happy cruisers 2 Posted October 28, 2023 Report Share Posted October 28, 2023 Do any of you have a trip insurance company that you'd recommend, based on past experiences or cost? I know I've seen Allianz and AIG mentioned on this blog in the past. With plans for at least three cruises next year, I'm thinking I should look for an annual policy. My main concern is coverage for any potential medical evacuation or care while outside of the US. I don't think I'd want to pay for the Cancel For Any Reason coverage. In the past, I've gone to Squaremouth and InsureMyTrip. Any suggestions regarding sites to use will be appreciated also. Thanks! Quote Link to comment Share on other sites More sharing options...
smokeybandit Posted October 28, 2023 Report Share Posted October 28, 2023 Always compare the annual plan coverage, specifically cancellation/interruption amounts, to multiple individual trip plans. Quote Link to comment Share on other sites More sharing options...
AshleyDillo Posted October 29, 2023 Report Share Posted October 29, 2023 I use Allianz..I'm covered for any trips more than 100 miles from my doorstep. You can adjust the different coverages to fit your needs. I take more less expensive trips than big ticket trips so it makes sense for me. DoomSlayer and Cactus527 2 Quote Link to comment Share on other sites More sharing options...
Traveling Mike Posted October 29, 2023 Report Share Posted October 29, 2023 I did lots of comparisons and went with AIG annual plan. All the plans are different enough to make a choice hard. i just liked the coverage better and I have had good experiences with collecting claims from AIG in the past. Quote Link to comment Share on other sites More sharing options...
Biaggio Posted October 29, 2023 Report Share Posted October 29, 2023 www.insuremytrip.com Shop multiple insurers DoomSlayer 1 Quote Link to comment Share on other sites More sharing options...
TXcruzer Posted October 29, 2023 Report Share Posted October 29, 2023 I have had an annual policy from Trawick International for many years now. Kathleen 1 Quote Link to comment Share on other sites More sharing options...
Shari Posted October 29, 2023 Report Share Posted October 29, 2023 We use Allianz. Reputable and not too expensive. Annual with them is cheaper than one cruise with Royal. Also Allianz is what we always booked through the airlines when we did just one flight. WAAAYTOOO, DoomSlayer and Cactus527 3 Quote Link to comment Share on other sites More sharing options...
DoomSlayer Posted October 29, 2023 Report Share Posted October 29, 2023 Check all of your current coverage options and determine any gaps for things important to you. For example, my credit card has trip cancellation and emergency evacuation coverage. My health insurance is a global policy and even covers medical aboard cruise ships specifically as well as coverage abroad. I don’t buy extra insurance for these reasons. Shari and WAAAYTOOO 2 Quote Link to comment Share on other sites More sharing options...
RCVoyager Posted October 29, 2023 Report Share Posted October 29, 2023 Buyer beware for sure. There was an article a couple of months back (which I can't find now) regarding two families traveling NCL with NCL purchased air. One family had insurance, the other didn't. In both cases, the NCL purchased flights did not get them to the cruise in time. In both cases, the families were denied the opportunity to board at the next port. The one family was out like $60,000 (large group). The other lost all but a few hundred dollars of their money because the insurance only paid like $500 per person. I'd like to think RCCL would handle a similar situation differently, but I'm not sure. WAAAYTOOO 1 Quote Link to comment Share on other sites More sharing options...
Matt Posted October 30, 2023 Report Share Posted October 30, 2023 I recommend listening to this episode of the Royal Caribbean Blog Podcast covering insurance, including annual plans: https://www.royalcaribbeanblog.com/podcast/episode-510-how-pick-travel-insurance-plan tingtang 1 Quote Link to comment Share on other sites More sharing options...
happy cruisers 2 Posted October 31, 2023 Author Report Share Posted October 31, 2023 Thanks to all, and thanks especially to Matt for the link. There's some info in that interview that I had not considered. I'll do a bit more research and make a choice soon. tingtang 1 Quote Link to comment Share on other sites More sharing options...
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