Anyone "not" purchase insurance?

Discussion in 'Disney Cruise Line Forum' started by markm0926, Jun 16, 2004.

  1. markm0926

    markm0926 Cast Member

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    Just curious....
    We do have up to 60-days to cancell with no penalty, am I correct ??

    I realize that the trip insurance covers more than that, but having to cancell at the last minute due to unforseen circumstances would be the biggest loss of money.
    Is that correct also??

    Thanks!!!!
     
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  3. lookingforward

    lookingforward DIS Veteran

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    We live in florida and almost never take insurance on cruises. We went to Alaska last year and it was a family reunion trip so we took insurance. We are sailing on the Wonder in September and I am not sure if we will purchase the insurance through disney or by an independent company. I normally would not take it but Disney is so much more expensive than other lines. We are spending well over $4000 and it would be a hugh hit to lose that a few days before the cruise if we were sick or injured.
     
  4. TheWog

    TheWog <font color=indigo>The Curse has been Reversed<br>

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    we wait until final payment to purchase it unless we knew we had some sort of pre-existing condition. I would get it, but that's me. It's worth the couple hundred now (or less) compared to thousands later. Check around for insurance on your own and you will find it much cheaper. TravelEx, travel guard, global care are some.
     
  5. DisneyJam

    DisneyJam Mouseketeer

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    We usually go the insurance route. You just never know what might come up, especially when you have kids. A friend of mine was forced to cancel a vacation to WDW due to a DW leg injury. He didn't have insurance, so he lost the cost of his trip. He always buys insurance now.

    On the other hand, a family we were traveling with on this last cruise (may 1st) did not purchase insurance and they were fine.

    It's pretty much all a gamble. It is a hefty sum of money to loose if something unforseen comes up, but insurance isn't cheap either. One thing to consider is insurance doesn't just cover before the trip. If something were to happen during the trip, you may be covered for part of your vacation.
     
  6. RSJC

    RSJC Earning My Ears

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    we never bought it till we had kids. I was afraid of them running around by the pool and hitting their head or something.
     
  7. Beechparty

    Beechparty <font color=violet>While not necessary, donations

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    We were booked on a late March cruise back in 93 without insurance. Lo, and behold a blizzard hit the east coast including Alabama. All major roads and airports were closed. Power was out for days. The day we were to leave all roads were still closed but they opened one runway to try to get stranded passengers on their way. We had booked air through the cruise. The plane we were to be on made it's flight that day so it didn't show it as cancelled but it did not end up stopping here b/c the pilot said no way. The cruise company was not going to honor our cruise for a later date except our TA really went to bat for us, got documentation that the plane never landed, and threatened her agencies future business and they finally let us reshedule the cruise.

    That said I always buy insurance now if I am not willing to lose what I have purchased.
     
  8. piglet33

    piglet33 DIS Veteran

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    I never buy insurance, but that's just me.

    ReneƩ
     
  9. Michelemouse

    Michelemouse <font color=green>A woman of many talents</font><b

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    Ditto
     
  10. mmouse37

    mmouse37 DCL Diva!!

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    Considering it can cost upward of $20,000 to be flight evacuated off an island I always buy insurance now. Plus, the thought of being in a hosptial on one of the islands does not thrill me.

    I will buy insurance and hope nothing happens but will feel much better knowing I have it.

    I have been onboard the Magic when we were delayed leaving CC becuase of a medical emergency. The ship did not leave until 10:00 pm due to waiting for a helicopter from Florida to fly to CC to pick up the ill passengers...you know that flight cost many thousands of dollars. By the time we got to Port Canaveral is was after 9:00 am and they did not let passengers off until around 10:30 or 11:00. All those who had early flights missed them.

    MJ
     
  11. arbo2368

    arbo2368 Earning My Ears

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  12. IrishCowboy

    IrishCowboy DIS Veteran<br><a href="http://www.disboards.com/s

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    6 cruises and we've never purchased it. We always fly down the day before sailing. My medical insurance covers us for whatever medical emergencies may occur.
     
  13. cristit14

    cristit14 <font color=blue> An older <font color=red>I am Do

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    We are getting the trip insurance. We were debating about until until this Spring when my parents could have really used it for their trip to Mexico. They ususally buy insurance for their trips, but didn't this time and two days before they left my grandmother took ill and was in the hospital. They had to cancell their trip and lost the majority of their money. So, I think I will be buying from here on out.
     
  14. cdnmickeylover

    cdnmickeylover <font color=CC99CC>Anyone want to pay off my stude

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    Nope don't buy it. Looked at it for first cruise and because of a pre-existing medical condition can't get it except at a high cost. Not worth paying insurance that is almost 1/2 the cost of the cruise.
     
  15. drdelsol

    drdelsol Proud papa

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    I don't, but I'm never taking really expensive trips. I never buy any extended warranties either though. If I can't fix it, it's dead.
     
  16. ivanova

    ivanova <font color=blue>DIS Veteran<br><font color=red>Hi

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    for cruises we ALWAYS buy insurance ... too many chances of medical issues with our family members so we don't want to take the risk (last year's cruise was touch & go for awhile because my aunt was dying) ... other vacations, no we don't get travel insurance, because usually all that is prepaid and we'd be "out" is the airfare ... and usually a letter from a doctor (or copy of death certificate) can get you a refund or rebooking with most airlines (at least the ones we usually fly).
     
  17. PhotobearSam

    PhotobearSam <font color=red><img src=http://www.wdwinfo.com/ph

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    Can someone tell me how much they paid to insure a 7 day cruise? Does it cover trip interuption also?

    Thanks
     
  18. mmouse37

    mmouse37 DCL Diva!!

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    I have paid as little as $35 pp for the 7 day cruise. Also, Access America will cover pre-existing conditions for the same price as their regular insurance as long as you buy the insurance within 2 weeks of making deposit on cruise.

    MJ
     
  19. gottaluvdis

    gottaluvdis DIS Veteran

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    I took the gamble and didn't buy insurance for our 3-night Wonder cruise at the end of April. We flew in many days in advance etc., but I will buy it in the future (for cruises only) because of what happened the day we disembarked. After leaving the port, we drove to Orlando to stay 1 day before flying home. We went to the hotel pool in the afternoon and I ended up badly injuring my knee/leg on the hotel water slide. I hyper-extended my knee, partially tore my quad, screwed up my knee and still have edema and can't walk without crutches/brace 6 weeks later! I spent some quality time in an Orlando hospital ER. I thank God I didn't do this before the cruise because I can't see how I would have been able to go. We had a great cruise, but the last day of vacation and flying home weren't too fun. Lesson learned - I'll take insurance next time!
     
  20. DisneyJam

    DisneyJam Mouseketeer

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    I beleive out insurance was about $47 pp on our 7 day.
     
  21. castlegazer

    castlegazer Soccer Mom! Soccer Player & Mom! Go USA!

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    I never purchase insurance for my normal travel. I ALWAYS purchase insurance for cruises. On my last cruise I badly spraigned my ankle and had to have X-Rays on the ship. It could have been much worse and I was very happy I had the insurance. I always buy through third parties too and not the cruise line. Now that I have a child its even more important to me to have it while cruising.

    But just to play devil's advocate for a minute - the prices for the ship's medical facility out of pocket - which is how you have to pay regardless of insurance, just with insurance you get reimbursed for the costs - is not as horrible as it would seem. For X-Rays, medicine for pain, a gel for pain, and a wheelchair for three days, it all came to around $100.

    BUT, on every cruise I have been on there has been a medical evacuation and major emergency. I have been on three cruises. That is where you want that insurance. So for me its not worth the risk that something could go horribly wrong and you are so far from the United States. I also don't trust airlines to get me there even if I am traveling in a day prior to the cruise.
     

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