fairytalelover
DIS Veteran
- Joined
- Nov 20, 2003
- Messages
- 2,211
So it seems like most people like Allianz insurance over the disney cruise line insurance. Am I right or do you have another insurance company you prefer?
So it seems like most people like Allianz insurance over the disney cruise line insurance. Am I right or do you have another insurance company you prefer?
So it seems like most people like Allianz insurance over the disney cruise line insurance. Am I right or do you have another insurance company you prefer?
I don't think there is an easy answer to this question. It depends on many factors, such as which aspects of the insurance are most important to you, the cost of the trip, the ages of those traveling, etc. Some people want the DCL policy because of the "cancel for any reason" coverage. That wasn't important to me -- I wanted more medical & evacuation coverage.
I researched several companies, including Allianz. We went with Travel Insured because the premiums were lower and the coverage amounts for medical and evacuation were much better than Allianz.
You really have to price it out on your own to find out what's best for your family.
Thanks for the info! We bought our cruise thru Costco - can't book insurance until we plan our exact dates for pre-cruise DW and buy airfare... Which won't be for several months...
... All of these travel insurances say cancel any time but in reality it is not true. ...
We used Travel Guard and really was not happy. All of these travel insurances say cancel any time but in reality it is not true. Read the fine print. Preconditions are not part of canceling, if someone passes away, they need the last 2 years of medical records from all doctors. Everything goes through an underwriting department and their medical team and they make that choice whether or not you get that money back. I have heard from Disney though that with their travel insurance which they use Berkley and so does NCL, Disney will no matter what give you a cruise credit. That is good.
My mother in law passed away 1 month before our cruise, although it was with a different cruise line, we ended up having to go on our cruise during that horrible time in our lives because travel guard said that it could take months to see our money or maybe not see it at all.
So to make a long story short, Just read the fine print.
Well it looks like Allianz is out for us then because Severe Weather /Hurricanes is a big possibility and we want an insurance company that covers that. Also our son has type 1 diabetes so we need pre-existing coverage.
Well it looks like Allianz is out for us then because Severe Weather /Hurricanes is a big possibility and we want an insurance company that covers that. Also our son has type 1 diabetes so we need pre-existing coverage.
I can't speak specifically to Allianz -- but virtually no travel insurance will cover weather-related delays or cancellations once a storm is "named." So, it comes down to when you purchase the insurance; purchase early.
Most coverages for PEC need to be purchased within 2 weeks of the deposit. Sometimes you can get that coverage later, but it will cost a lot more.
Enjoy your cruise!
We just book our second Disney cruise and bought the insurance through Disney. Was this a mistake?
Do you mean as long as we buy it before the storm is named we are covered or do you mean that if the storm is named then we are not covered? Because all big storms/hurricanes are named.
The thing we liked about Allianz was that they offer a kids covered for free with a paid adult deal, as many companies do. This also makes it much cheaper than what DCL offers.