Convince my DH we need insurance!

[WHITEHC]

My inlaws had to cancel right before their cruise because my FIL had a heart attack and had to have open heart surgery, so it's a good thing they had insurance. I don't think twice about purchasing it for a cruise, especially since I have a DS that has been to several different emergency rooms while on vacation. We completely stopped traveling for a few years because he always got sick. Our cruise this year was the best ever, and hopefully we can make it two years in a row without an emergency room visit when we cruise again next May. We even got our insurance within 7 days of booking our cruise just so it would cover any pre-existing conditions. My DH has major back problems and I could just envision him not being able to move when cruise time rolls around again. I'm not one to take chances.

 

[FantasticDisFamily]

You've probably read enough now to have made up your mind but here is one more piece of info.

Even if you're not on a cruise stuff happens. A year ago my parents took Amtrack from Michigan to California to visit my brother and family. What was supposed to be a 4 week mid winter trip turned into 4 MONTHS! Mom became quite ill, was hospitalized for a month, and at one point we weren't quite sure if I was going to have to fly out for the end. When she was finally able to travel the doctor refused to let her on a train or in coach. She was required to fly first class because of the equipment and oxygen (that is another whole story with airlines). They had taken out the travel insurance and were covered not only for the "lost" train tickets but also the additional travel expenses on the way home.

We didn't even hesitate when we booked this cruise. The peace of mind is well worth it.

 

[ZooMommy]

Originally posted by eskimo
My DH wants to know why I feel we need to buy insurance. His reasons for NOT getting it are:

1. Our medical insurance covers us wherever we are in the world.
2. If for some reason, our cruise was cancelled (by Disney) we wouldn't have to pay anyway.
3. If our cruise was to be re-routed (hurricane), who cares, we're still on a cruise!
4. We are very healthy people (rarely take a sick day--same goes for the kids, surprisingly!)
5. We are not planning any excursions (won't be leaving the boat).
6. If our luggage is lost, the airline pays for it anyway


He can't see shelling out another couple hundred bucks for something we probably won't use and would prefer to use that money to pay for the trip or for spending money.

Can anyone think of any other reasons we would need it?

Maybe a month ago, there was a discussion about all the bad things that happened to people who didn't have insurance and I think that made me freak out. Of course, I couldn't remember specifics, so he still thinks we don't need it.

Anyone with an opinion on this?

Hi! We're on the Magic today in St. Thomas and I would DEFINITELY say get the insurance. My 6yo son's luggage was scanned and supposedly, is SOMEWHERE on this ship, but it isn't with us.... Everything in there was brand new and we'd be SOS on getting anything back.... once it leaves the airline, there's still a chance it'll be lost. There are things in there he needs, but we're not holding out much hope that we'll ever see it again. Plus, you 2 may be healthy, but accidents can and do happen (although I sure hope they don't!)

 

[albiats]

Originally posted by BeanoC
Ok, so you've already booked and paid for your cruise, which sails in 2 months, and you didn't buy insurance...

That's our situation. We sail on the 10/12, 7-day Magic cruise. I didn't take out any insurance. Where would I go to get it at this point?

We went on the Magic last year with no insurance, and it was no problem. We were lucky. But for a couple of hundred bucks, the peace of mind would be nice. So where can I get it?? Should I call my local agent or call DCL?

'Beano'

You can get insurance from a third party, and it's often recommended that way so that you have a buffer between you and the cruise line, in case of a problem.

You can buy insurance online for any trip, including a cruise or one with plane fare, from CSA and several others. Here's a link to their site:CSA Travel Insurance Their phone number is 800-873-9855.

I have never used CSA (I use AAA) but I searched for Travel Insurance awhile back and found out that you can buy it from CSA as close as 24 hours before your trip starts. You won't have coverage for existing conditions but all other benefits will apply. I'm sure there are others that offer similar plans, this is just the first one that I found.

I would recommend that if you did buy the insurance that you also cover all aspects of your trip, including air fare.

hope that helps