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Old 01-13-2013, 02:06 PM   #16
dennes
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We live in New Zealand so travel insurance is a necessity for us
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Old 01-13-2013, 02:33 PM   #17
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We don't for most trips. The only time we did was our trip this Japan. Too much money invested to not. We will for the cruise too!
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Old 01-13-2013, 02:43 PM   #18
PrincessShmoo
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Except for our first cruise (when we didn't know any better) we've always gotten travel insurance.

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Old 01-13-2013, 02:52 PM   #19
MillauFr
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The only insurance I think is worth buying is the medi-vac coverage. The rest is a waste of money as my health insurance covers our family outside of the US. I just wouldn't want to be admited to a hospital in a 3rd world country.
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Old 01-13-2013, 02:55 PM   #20
ilovetexas
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I wouldn't cruise without it. I can absorb the cost of the cruise, if necessary, but the cost of any medical evacuation would bankrupt me. If I, or one of my family members, gets seriously hurt onshore, I want to be able to be evacuated to a US hospital to get treatment. Those evacuations are EXPENSIVE!

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Old 01-13-2013, 02:56 PM   #21
PrincessShmoo
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Quote:
Originally Posted by MillauFr View Post
The only insurance I think is worth buying is the medi-vac coverage. The rest is a waste of money as my health insurance covers our family outside of the US. I just wouldn't want to be admited to a hospital in a 3rd world country.
Well, many health plans don't cover out of the US (and as soon as you step onboard, you are "out of the US").

Our last cruise we priced just getting the health coverage (since it was a Hawaii one), but it actually was cheaper to get the whole plan then do it ala carte selections.

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Old 01-13-2013, 05:59 PM   #22
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We do not buy trip medical or cancellation insurance. Our insurance covers the ship doctor and foreign medical, albeit with a higher co-pay than at home.

We have bought evacuation insurance - it is very cheap. Just put $0 in the "value of trip" blank, and you are covererd only for evacuation, not cancellation or medical expenses while traveling.

While we would hate to cancel a trip, we figure the next year we would go on another trip, so we are in the same financial situation as if we took the trip - just out the good memories and money won't create those.

If a trip were once in a lifetime and we never could come up with the money again, that might be a different situation.
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Old 01-13-2013, 06:00 PM   #23
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Travel insurance encompasses so much more than just medical needs.....

Last year my DH was unemployed for several months. Thankfully, the vacation was paid for before he lost his job. Had he been able to start a new job during the penalty period for the cruise (meaning he wouldn't have the time off to go), we would have been able to cancel and be reimbursed under the Cancel for Business Reasons clause in our policy.

Bad weather can sometimes close airports and cruise ports, causing both planes and the ships themselves to be rerouted or delayed. Insurance reimburses meals, hotels, change fees, and costs to join the ship at a different port if needed. This weekend's fog delay for the Magic into and out of Galveston is a perfect example. Those who did not book air through DCL were on there own to deal with yesterday's missed flights. One poster in another thread reported that Air Tran wanted to charge their family $2000 in change fees and differences in fare costs due to their missed flights. They were able to plead their case in the end, but they very well could have been liable for that $2000. Insurance would have covered those costs.

I tend to think of purchasing insurance not just for reimbursement of what I might have already spent. I think of it as a way to avoid the unexpected outlay of (possible large sums of) money I hadn't budgeted for should circumstances not go as planned.
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Old 01-13-2013, 06:32 PM   #24
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Quote:
Originally Posted by Ariel224
Travel insurance encompasses so much more than just medical needs.....

Last year my DH was unemployed for several months. Thankfully, the vacation was paid for before he lost his job. Had he been able to start a new job during the penalty period for the cruise (meaning he wouldn't have the time off to go), we would have been able to cancel and be reimbursed under the Cancel for Business Reasons clause in our policy.

Bad weather can sometimes close airports and cruise ports, causing both planes and the ships themselves to be rerouted or delayed. Insurance reimburses meals, hotels, change fees, and costs to join the ship at a different port if needed. This weekend's fog delay for the Magic into and out of Galveston is a perfect example. Those who did not book air through DCL were on there own to deal with yesterday's missed flights. One poster in another thread reported that Air Tran wanted to charge their family $2000 in change fees and differences in fare costs due to their missed flights. They were able to plead their case in the end, but they very well could have been liable for that $2000. Insurance would have covered those costs.

I tend to think of purchasing insurance not just for reimbursement of what I might have already spent. I think of it as a way to avoid the unexpected outlay of (possible large sums of) money I hadn't budgeted for should circumstances not go as planned.
Exactly. It will also cover hotel, meals, etc if you have to take a later flight. That can add up to a huge chunk of change if it's a weather issue and you have to wa it days gor a flight.
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Old 01-13-2013, 06:42 PM   #25
PrincessShmoo
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Quote:
Originally Posted by Ariel224 View Post
Travel insurance encompasses so much more than just medical needs.....

Last year my DH was unemployed for several months. Thankfully, the vacation was paid for before he lost his job. Had he been able to start a new job during the penalty period for the cruise (meaning he wouldn't have the time off to go), we would have been able to cancel and be reimbursed under the Cancel for Business Reasons clause in our policy.

Bad weather can sometimes close airports and cruise ports, causing both planes and the ships themselves to be rerouted or delayed. Insurance reimburses meals, hotels, change fees, and costs to join the ship at a different port if needed. This weekend's fog delay for the Magic into and out of Galveston is a perfect example. Those who did not book air through DCL were on there own to deal with yesterday's missed flights. One poster in another thread reported that Air Tran wanted to charge their family $2000 in change fees and differences in fare costs due to their missed flights. They were able to plead their case in the end, but they very well could have been liable for that $2000. Insurance would have covered those costs.

I tend to think of purchasing insurance not just for reimbursement of what I might have already spent. I think of it as a way to avoid the unexpected outlay of (possible large sums of) money I hadn't budgeted for should circumstances not go as planned.
Insurance also can cover being quarantined to your room. They will pro-rate out the daily cost of the cruise and reimburse it (as well as any excursion or activities you may have already paid for on those days).

Some insurance can cover cancel for any reason, also.

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Old 01-13-2013, 07:00 PM   #26
DCLSailing
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I always get travel insurance.

We typically go VGT so with that your options are very limited. Compared to the cost of the trip, the insurance and peace of mind is worth it.
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Old 01-13-2013, 07:06 PM   #27
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We were the people who did not purchase on our July 2011 Dream cruise and should have. You do not know when one of your party has an unexpected major illness. The ambulance meet us at the dock in Port Canaveral. The doctors thought medi-vac would have been more dangerous for him. We always purchase travel insurance for cruises now.
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Old 01-13-2013, 07:14 PM   #28
Tjaleks
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When I do purchase trip insurance I make sure the policy I choose the medical coverage is primary not secondary. Meaning I do not have to turn it into my medical insurance first to see what they will pay. WAIT. Then turn in the balance into the trip insurance.
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Old 01-13-2013, 07:15 PM   #29
kuhltiffany
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We have amazing travel insurance (trip, medical, cancellation, flight, rental car, etc.) on our credit card. As long as we charge the whole trip on it, we're covered. That's what everyone I know does here in Canada, maybe you don't have that kind of coverage in the US?
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Old 01-13-2013, 07:21 PM   #30
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Alright - you all convinced me. TA purchasing our trip insurance tomorrow.
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