chrismelissa Posted August 29, 2023 Report Share Posted August 29, 2023 Good evening all, What is a great travel insurance company to get our cruise and airfare covered before our trip, is the one RC offers any good VillainsGin 1 Quote Link to comment Share on other sites More sharing options...
VillainsGin Posted August 29, 2023 Report Share Posted August 29, 2023 I'd also like to know as well, I usually use my TAand they have been amazing. The drawback is the travel agency is not able to help me coordinate efficiently if I booked directly through casino royale comp'd cruise program. Quote Link to comment Share on other sites More sharing options...
Pattycruise Posted August 30, 2023 Report Share Posted August 30, 2023 I use Allianz and gave an annual policy for my family. I cruise pretty much monthly, so it made more sense for me to do the annual policy VeronicaS1970, VillainsGin, RCARD and 3 others 4 1 1 Quote Link to comment Share on other sites More sharing options...
Traveling Mike Posted August 30, 2023 Report Share Posted August 30, 2023 I use AIG and have collected a few times and have not had any issues. They will pay out for issues as fast as they collect for the policy. currently I have an annual policy with them. Travel Guard Travel Insurance | AIG US RCIfan1912, ChessE4 and VillainsGin 2 1 Quote Link to comment Share on other sites More sharing options...
Cactus527 Posted August 30, 2023 Report Share Posted August 30, 2023 insuremytrip.com is a great place to start looking for the exact plan that fits your needs. RCIfan1912, VillainsGin, Cruisegirl1976 and 1 other 2 1 1 Quote Link to comment Share on other sites More sharing options...
Xaa Posted August 30, 2023 Report Share Posted August 30, 2023 I waffle between Travel Insured and Allianz. Key is to get your insurance within 14 days of booking your cruise. That way you will be covered for pre-existing conditions. ChessE4, VillainsGin and RCIfan1912 1 1 1 Quote Link to comment Share on other sites More sharing options...
Cruisegirl1976 Posted August 30, 2023 Report Share Posted August 30, 2023 I also recommend insuremytrip.com ,there you have many choices to match your needs. VillainsGin and RCIfan1912 1 1 Quote Link to comment Share on other sites More sharing options...
VillainsGin Posted August 30, 2023 Report Share Posted August 30, 2023 @Pattycruise@Traveling Mike I live in California, just in case the location matters for travel insurance. By chance do you know if Allianz and AIG has an average cost when it comes to complete coverage? Do I also need to be a frequent cruiser to make it worth have travel insurance? Do I need an annual policy if I only cruise 6-8 times a year give or take depending on the year? Has there been any problems where travel insurance actually helped and how fast are they able to help resolve problems as they arise. I'm picturing a scenario where my flight was canceled or heavily delay, what would they do to make it right? Sorry for the bombardment of questions, appreciate and many thanks in advance! Quote Link to comment Share on other sites More sharing options...
KJones Posted August 30, 2023 Report Share Posted August 30, 2023 I usually purchase policies with Allianz via AAA portal. I will usually buy insurance for any trip that has non-refundable costs of $1k or more (personal preference/limit), whether it's a cruise or big vacation. I almost always book refundable hotels, so I never include that in my trip value being covered. For cruises, I usually will only insure the value of the cruise fare, airfare and any 3rd party non-refundable excursions/ prepaid things. RC Cruise planner purchases and gratuities would all be refunded if I couldn't make the sailing for some reason, so I don't include those. Cost will vary by: level of coverage, cost of trip(s) being insured, age of person(s) insured, etc. If you're cruising 6-8 times per year, you would definitely want the annual policy rather than per trip. It will also cover non-cruise travel. There's different levels of coverage, so you would need to look up each policy to see what they offer for flight cancellation/ delays, baggage loss/ delays, etc. VillainsGin and RCARD 1 1 Quote Link to comment Share on other sites More sharing options...
VeronicaS1970 Posted August 30, 2023 Report Share Posted August 30, 2023 We went with the annual policy through Allianz since we are now cruising multiple times per year. Haven't had to use it, hoping I never have to. I did research and compare other plans, but the Allianz plan seemed to suit us best. WAAAYTOOO, RCIfan1912 and RCARD 3 Quote Link to comment Share on other sites More sharing options...
steverk Posted August 31, 2023 Report Share Posted August 31, 2023 I use Allianz with an annual policy. Cost wise it doesn't make sense for me to book on a per trip basis. Mostly I'm looking for medical and med- evac insurance. It covers much more, but I've always felt that you should insure against risks you can't afford to take. If I can't afford to lose the price of a cruise, then I should reconsider taking it. Married2Grumpy, Mr. K, WAAAYTOOO and 3 others 5 1 Quote Link to comment Share on other sites More sharing options...
Mr. K Posted August 31, 2023 Report Share Posted August 31, 2023 Thanks for the idea Steverk. We are doing Utopia in Sep 2025 and then Icon in November 2025 and it makes sense to get one policy for both trips instead of 2 separate since the sailings are so close. Quote Link to comment Share on other sites More sharing options...
Matt Posted August 31, 2023 Report Share Posted August 31, 2023 New podcast episode: https://www.royalcaribbeanblog.com/podcast/episode-510-how-pick-travel-insurance-plan Cactus527, VillainsGin and USCG Teacher 2 1 Quote Link to comment Share on other sites More sharing options...
Traveling Mike Posted September 1, 2023 Report Share Posted September 1, 2023 On 8/30/2023 at 9:31 AM, VillainsGin said: I live in California, just in case the location matters for travel insurance. I am also from California, Fresno. I have always carried travel insurance and it would cost me anywhere between $80 and $150 depending on the age of my son. Now I am a solo traveler and paid about $120 per trip for travel insurance. This last year I purchased an annual policy for $259. this year I have done 5 weeks on a cruise ship and 6 road trips. All of it was covered by the annual policy. The one thing about the annual policy is you cannot collect multiple times on the amount. When you collect on the policy it subtracts from the maximum payouts. they do have a number for issues while you are traveling. I have never used it and am not sure how good it is. Standard Packages ACCIDENTAL DEATH/DISMEMBERMENT $50000.00 Per Insured BAGGAGE COVERAGE $2500.00 Per Insured BAGGAGE DELAY $1000.00 Per Insured $200.00 Payout Limit Per Day CONCIERGE SERVICES Included Per Insured EMERGENCY EVACUATION AND REPATRIATION OF REMAINS $500000.00 Per Insured EMERGENCY TRAVEL ASSISTANCE Included Per Insured IDENTITY THEFT ASSISTANCE SERVICES Included Per Insured MISSED CONNECTION $500.00 Per Insured PERSONAL SECURITY ASSISTANCE Included Per Insured SECURITY EVACUATION $100000.00 Per Insured TRAVEL MEDICAL ASSISTANCE Included Per Insured TRAVEL MEDICAL EXPENSE $50000.00 Per Insured TRIP DELAY $1500.00 Per Insured $150.00 Payout Limit Per Day TRIP INTERRUPTION 100% Trip Cost Per Insured WORLDWIDE TRAVEL ASSISTANCE Included Per Insured VillainsGin and ChessE4 2 Quote Link to comment Share on other sites More sharing options...
PL8SWPR Posted September 1, 2023 Report Share Posted September 1, 2023 I use https://tripinsurancestore.com/. Never use the insurance from the cruise line. It's more expensive, has lower coverage rates, and doesn't cover the whole trip (flights, hotels, etc). VillainsGin 1 Quote Link to comment Share on other sites More sharing options...
AshleyDillo Posted September 24, 2023 Report Share Posted September 24, 2023 On 8/30/2023 at 12:31 PM, VillainsGin said: Has there been any problems where travel insurance actually helped and how fast are they able to help resolve problems as they arise. I'm picturing a scenario where my flight was canceled or heavily delay, what would they do to make it right? Travel insurance typically doesn't help resolve problems. Some do provide access to a concierge that can help you pivot if something comes up, but you can also take care of most of that on your own. What they will do is reimburse you for additional expenses you incurred because of a delay. So if your flight is canceled and you rebooked a new flight on your own, the travel insurance would reimburse you for the new ticket up to the policy limits. If there is a delay, they will reimburse you for meals during the delay or if it's an overnight delay, they would reimburse your hotel and incidentals expenses. Keep in mind that when a reimbursement limit states "100٪ of trip cost" that your cost for a comp cruise is $0, therefore if something happened and you missed the cruise, you aren't going to get any kind of reimbursement from the travel insurance for your cruisefare. What travel insurance is good for is the losses that would be financially devastating, which is the medical coverage component of a travel insurance policy. AandD, WAAAYTOOO and teddy 3 Quote Link to comment Share on other sites More sharing options...
Riverboy Posted September 27, 2023 Report Share Posted September 27, 2023 We have had an Allianz annual policy for a couple of years. We are in our mid-70's and the annual cost for our policy is just over $700 per year for two people. Our health is generally good, but three weeks ago I was hospitalized and discharged two days before we were to depart for a cruise, driving 750 miles to port. Consequently, we had to cancel our cruise last minute. I filed a claim with Allianz for the lost cruise fare and the process was very easy. We had lots of hospital documentation and Allianz advised that the claim should be processed in 7 - 10 business days. We are now at day 5 but we have not had any requests for additional documentation, so hopefully we will be good. Eleven years ago we had a flight cancellation and filed a claim with Travel Insured, which took about six weeks to resolve. WAAAYTOOO and ChessE4 1 1 Quote Link to comment Share on other sites More sharing options...
EvelynMarie Posted October 18, 2023 Report Share Posted October 18, 2023 I have been using SafeTrip by UnitedHealthcare and it has been great. They have different options depending on what you need but they cover medical and travel and even lost bags. It is great knowing that we are covered medically while on the ship just in case something were to happen. It is also pretty cool because you can choose which days you need covered and it will give you a quote for that certain period of time. https://www.uhcsafetrip.com/ Quote Link to comment Share on other sites More sharing options...
Riverboy Posted October 19, 2023 Report Share Posted October 19, 2023 On 9/27/2023 at 11:11 AM, Riverboy said: We have had an Allianz annual policy for a couple of years. We are in our mid-70's and the annual cost for our policy is just over $700 per year for two people. Our health is generally good, but three weeks ago I was hospitalized and discharged two days before we were to depart for a cruise, driving 750 miles to port. Consequently, we had to cancel our cruise last minute. I filed a claim with Allianz for the lost cruise fare and the process was very easy. We had lots of hospital documentation and Allianz advised that the claim should be processed in 7 - 10 business days. We are now at day 5 but we have not had any requests for additional documentation, so hopefully we will be good. Eleven years ago we had a flight cancellation and filed a claim with Travel Insured, which took about six weeks to resolve. Follow-Up: we were fully reimbursed for our cancelled cruise within the 10 business days by Allianz. Very satisfied. Quote Link to comment Share on other sites More sharing options...
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