Vincent Posted November 7, 2022 Report Share Posted November 7, 2022 We (me, wife and 2 younger twenty year old kids) have 3 trips planned over the course of the next year. The first is at a resort in Los Cabos (non-cruise), then 2 RC cruises, one to Nassau, and the other is multiple European countries via Symphony Western Mediterranean. I have never purchased insurance for past trips, but feel that the piece of mind is enough to justify the purchase. I have read through several post and discussions as far as recommendations for which insurance companies folks have had success with. So after doing some research and comparing prices, I believe that Alliance may be our best option. As we are leaving the country for 3 separate trips, wouldn't an annual plan make most sense? And as I pull up quotes through the Alliance site, it shows a comparison of 3 different options; "Executive", the most expensive, labeled as for the Business traveler. "Basic", Best for budget international travelers, and is in the middle cost wise. "Premier", states best for families who love to travel, is cheaper than the "Basic" plan but offers more AND higher plan benefits. Its states that all benefits are per insured, so I take that to mean all four of our family members, and all benefits are per trip except for trip cancellation and trip interruption - which are per travel insurance plan. Another question that I don't see clarified is if this plan is a calendar year or a full 365 day plan? If anyone might suggest advise, a different option, company, or idea, I am most definitely all ears. Quote Link to comment Share on other sites More sharing options...
smokeybandit Posted November 7, 2022 Report Share Posted November 7, 2022 It's 365 days. For instance mine is 3/1/2022 to 3/1/2023. And yes, an annual plan definitely makes more sense if you have more than 2 trips a year. Vincent and Baked Alaska 2 Quote Link to comment Share on other sites More sharing options...
Vincent Posted November 7, 2022 Author Report Share Posted November 7, 2022 13 minutes ago, smokeybandit said: It's 365 days. For instance mine is 3/1/2022 to 3/1/2023. And yes, an annual plan definitely makes more sense if you have more than 2 trips a year. Thanks. So is the price I am being asked to pay today, Total of $485 ($69.29 per traveler) per trip or are we covered for as many trips as we can cram into 365 days? Quote Link to comment Share on other sites More sharing options...
WAAAYTOOO Posted November 7, 2022 Report Share Posted November 7, 2022 I assume you are referring to Allianz ? We have the Allianz AllTrips Premier plan. Since we are both on Medicare, which is not good outside of the US, we have this plan primarily for its medical and medical evacuation coverage. Below is the information regarding our coverage. ChessE4, MamaShark and CruiseGus 2 1 Quote Link to comment Share on other sites More sharing options...
smokeybandit Posted November 7, 2022 Report Share Posted November 7, 2022 22 minutes ago, Vincent said: Thanks. So is the price I am being asked to pay today, Total of $485 ($69.29 per traveler) per trip or are we covered for as many trips as we can cram into 365 days? That's your one time premium for the entire year. Vincent 1 Quote Link to comment Share on other sites More sharing options...
Vincent Posted November 7, 2022 Author Report Share Posted November 7, 2022 19 minutes ago, WAAAYTOOO said: I assume you are referring to Allianz ? Thanks and yes. So do you pay per trip or just the one time, once per year? Seems all most too good to be true, especially when considering what just one minor injury or sickness would be. Our health insurance also does not follow us out of the US. Quote Link to comment Share on other sites More sharing options...
teddy Posted November 7, 2022 Report Share Posted November 7, 2022 Annual plan=You pay once per year. As I remember, some benefit limits are per year, not per trip. We use Allianz and have been pleased. Vincent and WAAAYTOOO 2 Quote Link to comment Share on other sites More sharing options...
Vincent Posted November 7, 2022 Author Report Share Posted November 7, 2022 12 minutes ago, smokeybandit said: That's your one time premium for the entire year. Wow! Am I missing something? Other than the understanding of just how naive and lucky we have been over the last several years. The older I get, the less risk I seem to take. Informed the family that I don't want to climb on the roof and put up Christmas lights anymore. Except for the leg lamp in the window, that's the only show our neighbors are getting this year. Quote Link to comment Share on other sites More sharing options...
WAAAYTOOO Posted November 7, 2022 Report Share Posted November 7, 2022 16 minutes ago, Vincent said: Thanks and yes. So do you pay per trip or just the one time, once per year? Seems all most too good to be true, especially when considering what just one minor injury or sickness would be. Our health insurance also does not follow us out of the US. Just once per year. It covers both of us. A travel plan is definitely the way to go if you plan on taking multiple trips (whether cruising or other) per year. Note that the maximum allowance amounts are a TOTAL value...[e.g.] so it's not $50K per trip...it's $50K per year. If you use all of your coverage, it's gone.... teddy, CruiseGus and Vincent 3 Quote Link to comment Share on other sites More sharing options...
teddy Posted November 7, 2022 Report Share Posted November 7, 2022 11 minutes ago, WAAAYTOOO said: Just once per year. It covers both of us. A travel plan is definitely the way to go if you plan on taking multiple trips (whether cruising or other) per year. Note that the maximum allowance amounts are a TOTAL value...[e.g.] so it's not $50K per trip...it's $50K per year. If you use all of your coverage, it's gone.... A much clearer way of getting across what I was trying to say. Quote Link to comment Share on other sites More sharing options...
WAAAYTOOO Posted November 7, 2022 Report Share Posted November 7, 2022 12 minutes ago, teddy said: A much clearer way of getting across what I was trying to say. Your explanation was very clear...our posts just passed in cyberspace ! LOL teddy 1 Quote Link to comment Share on other sites More sharing options...
AshleyDillo Posted November 7, 2022 Report Share Posted November 7, 2022 The Allianz plans will cover you anytime you leave for a trip 100 miles from your house, door to door. So even if you plan a weekend road trip and something happens that's a covered event, you could get some benefits. It also includes rental car damage coverage, some luggage coverage and other smaller coverages. teddy, Baked Alaska, WAAAYTOOO and 2 others 4 1 Quote Link to comment Share on other sites More sharing options...
DoomSlayer Posted November 8, 2022 Report Share Posted November 8, 2022 Check your credit card benefits as you might already be covered. My AMEX card has travel insurance if I purchase the trip with it. I have never had to use it, but I do know people that have and were happy with it. Apart from having to submit proof and documentation for an incident, they had no issue with AMEX covering and reimbursing them for both the trip and medical expenses. Quote Link to comment Share on other sites More sharing options...
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