Trip Insurance prices

[Rroo]

Could I please ask what you were quoted for complete medical and trip cancellation/interuption insurance? Our quote for $1500 worth of insurance for under age or 59 seems high.

Thanks a million

 

[SandraC]

I bought CAA trip insurance for medical. The cost was $55 for my entire family. My daughter has a pre-existing heart condition and she was still covered. Because I opted to book everything separately myself, I didn't get cancellation insurance however I think booking with VISA gave us some cancellation insurance. S

 

[madonna31]

I can check our travel insurance provider for you.

Rroo, what are your dates of travel and how many people are you? This will change cost of travel insurance.

 

[casper_jj11]

$110 with Meloche Monnex covers our family of 4 for medical and trip cancellation for an entire year and all trips shorter than 60 days (oldest member of family is 38)

Joanne

 

[Rroo]

Thanks so much! There are 2 of us going from May 20-27.

Thanks again!

 

[F4disneyfan]

Wow that is high our coverage for medical etc was 80.00 for the year through Meloche Monnex and that is for a family of 5.

 

[madonna31]

Thanks so much! There are 2 of us going from May 20-27

8 day coverage, 2 people, covering $1500, both under the age of 59:

Deluxe package is $179.28 with tax
Non-medical is $142.56 with tax
Medical only is $52.00

...that's with RBC insurance.

IMHO - if this is for a Disney vacation - I wouldn't cover the entire cost of the trip, as the most Disney will charge you upon cancellation is $200.

 

[Rroo]

Thanks so much for the info!
Is there any difference in getting the RBC Insurance directly through the bank as opposed to through a travel agent?

 

[tink1969]

I am purchasing travel/health insurance through CAA. I was quoted for a family of 4 for 7 days just under $36!! I even asked the girl to double check because I thought the price was awesome. Even covers up to 5 million dollars!
I'm not a CAA member so that wasn't even a member price!

 

[madonna31]

Is there any difference in getting the RBC Insurance directly through the bank as opposed to through a travel agent?

Nope, not at all. The travel agent acts on behalf of RBC and therefore coverage and prices are identical. TA's are paid a commission from RBC, just like they are paid from Disney, so no additional cost to you.

Of course my vote would be to go through your travel agent, only because chances are your local TA needs the business FAR more than RBC does.

 

[nepean]

Last year we received a quote from a TA for RBC insurance for $221.00 we called RBC Insurance direct and paid $126. This is for an annual plan for all trips under 15 days. We can add extra days if needed. Unfortunately, for us we needed the insurance. DD came down with a Norwalk virus and ended up in the hospital in Celebration. RBC was amazing throughout and we never had to pay a cent. We did see a copy of the bill. It was for $2556. Thank God we had bought the insurance. DH was 55 at the time and they are one of the few companies that don't request a detailed medical form until age 60.
Check directly witht the company.

Nepean

 

[madonna31]

Last year we received a quote from a TA for RBC insurance for $221.00 we called RBC Insurance direct and paid $126.

Sounds like your TA put his/her own mark up on your travel insurance. Or it could be as simple as 'human error' on the TA's part when putting in the information for the coverage. A little bit over the amount you are insuring and the quotation jumps a LOT.

But it is indeed a GREAT thing that you had the insurance. WOW!

 

[trivial]

President's Choice Financial gave me a quote for $200 and change for 2 adults (aged 0-59), insuring for $2000 each, for 10 days, both medical and trip cancellation/interruption. You can get your own quote online at www.pcfinancial.ca.

 

[trivial]

I wanted to investigate this a bit further... I'm typically a big fan of President's Choice insurance, but their travel insurance quote is indeed rather pricey compared to what RBC Insurance is giving me ($200.88 vs $140.98, both comprehensive insurance). Can anyone figure why President's Choice travel insurance would cost so much more? I'm accustomed to their other insurance costs being very competative.