Trip insurance

[disneygirlkar]

I have a question about insurance. I have already put a deposit down for a 4 day cruise in Dec with some friends and did not really think about insurance but now that there is flight deals I am looking at booking my flight so thinking insurance is a good idea. Does anyone know if I can get cancellation insurance still for the trip even though the deposit was made for the cruise, or would i miss out on the cancellation insurance for the cruise but still be ok for the fights and hotel.

I was wondering where to start looking at insurance. Any hints?

Thanks

 

[DisDiva2]

Did you book with a travel agent? they will have access to outside companies that will cover both the cruise and airfare if you did it separately.

 

[disneygirlkar]

Thanks for the fast reply. I booked the cruise though a Us travel agent as I am meeting friends and they are the ones who started the booking. I am booking flights and hotel before the cruise on my own. But I will give the agent a call in the morning and see what he says.

 

[minnie mum]

Did you book with a gold or platinum credit card?? Our Visa provides travel insurance for trips booked with the card.

Many travel agencies sell travel insurance from RBC. You could check with them?

 

[casper_jj11]

But the credit card wouldn't provide health insurance coverage. We have an annual travellers insurance, covering medical and trip cancellation. We pay about $15 a month and it covers us for all trips throughout the year, up to being gone for 30, I believe, consecutive days. Ours is through Meloche Monnex (TD bank) but there are many others that do the same. If you travel often, that may be the way to go.

 

[sjsjbrook]

My last cruise that I booked with a Us agent. They offered to get my insurance including the stuff I booked, but I ended up using RBC, as I have used them before, and I knew that if I needed to make a claim (which I did) they would be easy to deal with.

 

[minnie mum]

But the credit card wouldn't provide health insurance coverage. .

Actually, some of them do. Ours definitely does.

 

[Sue M]

Our credit card has trip insurance, but i get a yearly policy for medical. Usually have gone with BCAA, but this year went with Blue Cross.

 

[pxlbarrel]

Depending on the cost of your entire trip, you can get insurance from TD Canada Trust that includes trip and health. I believe it's also possible from the other banks already mentioned like RBC and BMO. TD Canada Trust does have a limit on the insurance ... ie, if your non-refundable cost is more than their maximum limit, you're out of luck.

When I had to insure our 2013 Med Cruise, I had a hard time finding cancellation insurance (health insurance is never a problem, we get the annual coverage from CAA). I ended up insuring the cruise and potential airfare with Travelguard.