Making sure I get trip insurance that covers what we need

[emilyann415]

I have never taken out trip insurance for a cruise because...well...ignorance was bliss....Now I have seen and heard the horror stories of things that can happen and I want to take it out on our next cruise. I am going through an online group to save some money but am overwhelmed by all the lingo.

We are primarily interested in if we need to cancel if a family member were to pass away or if our flight can't get there due to weather. I see some plans you have to give 12 hours cushion time to get reimbursed and some need 24 hours (which we wouldn't have) I also see definition of family members are different between plans.

I just feel like the plans will end up being worthless and so can you give me a heads up on things to make sure we have included in our plan that should be. I don't want to save $50 and end up with a plan that covers NOTHING!

TIA
Emily

 

[MickeyEarrings]

The website I buy my trip insurance from lets me "filter" the things I need, so I can get what I really want. Then it shows me all the plans that have those things, and I compare them...apples to apples. Narrow them down according to price, or the percent of positive reviews, or the one that best covers your unique situation with your family. I've purchased from them several times, although I've never had to make a claim. The Dis forbids me naming the site, but if you google search 'buy trip insurance' it will be at or near the top of the list. Lots of people buy their insurance there.

 

[PrincessShmoo]

I have never taken out trip insurance for a cruise because...well...ignorance was bliss....Now I have seen and heard the horror stories of things that can happen and I want to take it out on our next cruise. I am going through an online group to save some money but am overwhelmed by all the lingo.

We are primarily interested in if we need to cancel if a family member were to pass away or if our flight can't get there due to weather. I see some plans you have to give 12 hours cushion time to get reimbursed and some need 24 hours (which we wouldn't have) I also see definition of family members are different between plans.

I just feel like the plans will end up being worthless and so can you give me a heads up on things to make sure we have included in our plan that should be. I don't want to save $50 and end up with a plan that covers NOTHING!

TIA
Emily

I've always found the representative that I've talked to when calling the most helpful in figuring out what/how much coverage I want.

 

[bumbershoot]

Does anyone have any conditions that could cause death or a situation that would cause you to leave the cruise or cancel last minute? If so, you have to have the "pre existing condition" waived. That means you have to buy that level of insurance and you have to do it within a certain period of time after booking.

So if someone has an heart condition, and that causes the problem, you'd need that. If someone has a heart condition but something UNrelated pops up, you wouldn't. If there are NO diagnosed conditions in anyone, you don't have to worry about that; but you really have to know their medical info and what their doctor knows.

As for weather and flights, beyond insurance, this thread is a good read for how to be prepared and proactive.

 

[emilyann415]

Does anyone have any conditions that could cause death or a situation that would cause you to leave the cruise or cancel last minute? If so, you have to have the "pre existing condition" waived. That means you have to buy that level of insurance and you have to do it within a certain period of time after booking.

So if someone has an heart condition, and that causes the problem, you'd need that. If someone has a heart condition but something UNrelated pops up, you wouldn't. If there are NO diagnosed conditions in anyone, you don't have to worry about that; but you really have to know their medical info and what their doctor knows.

As for weather and flights, beyond insurance, this thread is a good read for how to be prepared and proactive.

GREAT thanks a lot!!!!