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Old 12-18-2012, 07:25 PM   #1
rab1022
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Travel Insurance - worth it?

We just booked the Feb. 11, 2013 5-night Wonder cruise out of Miami with KSF. We've never gotten travel insurance before, but we've also never sailed during flu season before...

I signed up for the Disney travel insurance, but it is $174! Not bad, except that the cruise is only $1706 ($1365 when you take the 20% I saved with Target last week into account). That's nearly 13% of the price of the cruise...

I'll probably keep it, but are there better deals out there? And, the wording is so obscure - does it cover flu or similar illnesses?
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Old 12-18-2012, 08:12 PM   #2
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I would highly recommend insurance. Ed have had to cancel a couple trips and when you think of that alone it saves you money. We have had lost luggage and delayed flights as well. A few years ago I was stuck in NYC for 3 days and I learned teal quick to buy it. We travel 12 or so times a year mainly for work and always carry insurance. I would check insure my trip.com
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Old 12-18-2012, 08:43 PM   #3
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Worth it is such a relative term. I personally think it's totally worth it, but I've had multiple times I've needed to use it, so that probably biases me.

When you're asking about "covering the flu or similar illnesses", do you mean for medical treatment or for cancellation payment? Most insurance policies will cover for illnesses like that, if it meets certain criteria (always read the policy before buying!) If you have the flu 3 months before the cruise, you wouldn't be able to cancel the cruise for that and get it paid for (unless for some strange reason your doctor bans you from traveling for 3 months). But if you catch the flu the week you are to travel, and can't take the cruise, as long as you cancel according to the instructions in the policy, and get a doctor's verification of your illness and inability to sail, then you should usually get reimbursed.

If you get sick *on* the cruise, and either have to go to the ship's doctor or be confined to your cabin, or something like that, then, with the right documentation, you should get reimbursed for medical costs and/or missed vacation time. Again, it varies by policy and circumstances. Always check with your insurance company to find out exactly what's covered and what's required to document it.

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Old 12-18-2012, 08:53 PM   #4
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I never buy the insurance but as others have pointed out it is probably a good idea to buy the medivac that will pay to airlift your from a hospital in a 3rd world country.

For the rest of the expenses I just don't see the point. Our family has run up $5,000 in medical expenses this year that aren't covered by our medical insurance. If I crash my car and have $5,000 in damage my auto insurance doesn't pay. If my house has $5,000 in damage my homeowners insurance won't pay a dime. So why should I buy travel insurance to protect me from canceling my cruise????

13% of your cruise fare is completely outrageous. It should be 1-2%.
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Old 12-19-2012, 08:51 AM   #5
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Quote:
Originally Posted by rab1022 View Post
We just booked the Feb. 11, 2013 5-night Wonder cruise out of Miami with KSF. We've never gotten travel insurance before, but we've also never sailed during flu season before...

I signed up for the Disney travel insurance, but it is $174! Not bad, except that the cruise is only $1706 ($1365 when you take the 20% I saved with Target last week into account). That's nearly 13% of the price of the cruise...

I'll probably keep it, but are there better deals out there? And, the wording is so obscure - does it cover flu or similar illnesses?
Disney's insurance is usually only 8% of the cost of your cruise, not sure why your's is closer to 10% of the original amount. But there are other options out there for you to look at. In the past and for our next cruise we will use Travel Guard. You can visit www.***************** to find other options that may be right for you.
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Old 12-19-2012, 09:26 AM   #6
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Thanks to those that recommended *****************!

I found a policy through Allianz that more than covered what we needed for only $52 -- that's another $122 that we can save (read spend elsewhere on the trip).
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Old 12-19-2012, 09:50 AM   #7
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Originally Posted by rab1022 View Post
Thanks to those that recommended *****************!

I found a policy through Allianz that more than covered what we needed for only $52 -- that's another $122 that we can save (read spend elsewhere on the trip).
Your very welcome. It saves up quite a bit of many as well
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Old 12-19-2012, 04:24 PM   #8
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For big ticket vacations (DCL is one) we always buy trip insurance. We have experienced flight delays personally and I know others that have; that would have caused flight delays long enough to miss the boarding time.

We have also experienced two unexpected deaths in the family that would have caused us to cancel the cruise or cut it short. There are too many unexpected things that could happen that may cause either missing the ship or having to leave during the vacation; that I would never chance having no insurance.

We always include trip insurance in the cost of a DCL vacation when we save up for it.
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Old 12-19-2012, 05:00 PM   #9
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Quote:
Originally Posted by tweis View Post
Disney's insurance is usually only 8% of the cost of your cruise, not sure why your's is closer to 10% of the original amount. But there are other options out there for you to look at. In the past and for our next cruise we will use Travel Guard. You can visit www.***************** to find other options that may be right for you.
Quote:
Originally Posted by rab1022 View Post
Thanks to those that recommended *****************!

I found a policy through Allianz that more than covered what we needed for only $52 -- that's another $122 that we can save (read spend elsewhere on the trip).
We love www.*****************! I always buy through them. They have choices that fit everyone's budgets/needs, and they are usually cheaper than the actual cruise line . --Katie
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Old 12-20-2012, 10:39 AM   #10
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Quote:
Originally Posted by rab1022 View Post
We just booked the Feb. 11, 2013 5-night Wonder cruise out of Miami with KSF. We've never gotten travel insurance before, but we've also never sailed during flu season before...

I signed up for the Disney travel insurance, but it is $174! Not bad, except that the cruise is only $1706 ($1365 when you take the 20% I saved with Target last week into account). That's nearly 13% of the price of the cruise...

I'll probably keep it, but are there better deals out there? And, the wording is so obscure - does it cover flu or similar illnesses?
You would have to read your policy to see what is covered, but insurance is definately worth it.

I was never an insurance purchaser for trips until 2 years ago, we had a Disney trip planned and a few weeks before we left our son got the stomach bug, a month later which included 20 days in the hospital. We would have missed our trip, but luckily it was booked al carte and I could cancel the hotel reservation.

Point is, you never know what might happen.
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Old 12-20-2012, 04:36 PM   #11
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Quote:
Originally Posted by MillauFr View Post
I never buy the insurance but as others have pointed out it is probably a good idea to buy the medivac that will pay to airlift your from a hospital in a 3rd world country.

For the rest of the expenses I just don't see the point. Our family has run up $5,000 in medical expenses this year that aren't covered by our medical insurance. If I crash my car and have $5,000 in damage my auto insurance doesn't pay. If my house has $5,000 in damage my homeowners insurance won't pay a dime. So why should I buy travel insurance to protect me from canceling my cruise????

13% of your cruise fare is completely outrageous. It should be 1-2%.
As noted above we started to get medical/medivac insurance (relatively inexpensive), after a DCL cruise 2 years ago. As we were leaving the ship, I had a Kidney Stone attack and had to be rushed to the emergency room for a kidney procedure that day & was kept overnight. We kept wondering what would have happened had this happened in Mexico or the Bahamas w/o extra medical insurance . Really not sure just what my insurance would have covered. I know what I had to pay (my deductible) & it was BIG $$$s . So now we get extra medical/medivac insurance when we cruise or travel out of the country.
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Old 12-20-2012, 06:39 PM   #12
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Looks like most of the most inexpensive policies had to be purchased within 15 days of trip deposit. Am I reading that right? I did my deposit about a month ago and trying to see what my most economical solution will be.
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Old 12-20-2012, 06:45 PM   #13
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Originally Posted by KMG1969 View Post
Looks like most of the most inexpensive policies had to be purchased within 15 days of trip deposit. Am I reading that right? I did my deposit about a month ago and trying to see what my most economical solution will be.
The requirement to be purchased within 15 days of trip deposit is to qualify for certain extra coverage such as a Cancel for Any Reason rider or a Pre-existing Condition waiver. You can definitely buy most policies (even the cheap ones) a month out, you just might not get those "extra" add-ons. In general, price does not change based on how long ago you paid your first deposit.

If price is your biggest issue, check out www.tripinsurancestore.com or www.*****************, you can compare policies & find the cheapest ones for what you want. If you're worried about a pre-existing condition waiver, there are still policies you can buy up until paid in full date that will have a PEC waiver, but they won't be inexpensive.

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Old 12-20-2012, 07:06 PM   #14
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Travel Insurance is a must IMHO

only used it on the Wonder in Alaska..apparently United couldnt find Vancouver, so we spent 3 days without luggage..Travel Insurance was great and we got clothes for each day plus nec items. They paid promptly...It is insurance and I dont sail without it.
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Old 12-20-2012, 10:15 PM   #15
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Deleted! Meant to post in a new thread!
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