When listing cost of trip for trip insurance....

[JenPinks]

What all do you include?
As of right now I just have the cruise cost. I don't know how much my airfare will be, I am not cruising until Dec 2018.

 

[mevelandry]

Airfare - hotels (before or after) - park tickets (if we visit parks before or after the cruise) - activities (excursions)...

 

[bbel]

I don't have answers to your questions, sorry.

But I just wanted to thank you for reminding me I needed to get insurance for the trip I go on it two days....

 

[MickeyEarrings]

Don't forger non-refundable tickets, like Mickey's Christmas or Halloween party that many cruisers do in combination with their sailing.

 

[kid-at-heart]

I called our medical insurer to find out if they covered out-of-country emergency medical costs. Ours did and also covered medical while at sea. Saved a bit of money by excluding medical when buying cruise insurance.

 

[Msmit002]

I called our medical insurer to find out if they covered out-of-country emergency medical costs. Ours did and also covered medical while at sea. Saved a bit of money by excluding medical when buying cruise insurance.

Yes, but your co-insurance/co-pays would be covered by the policy as secondary medical. I don't know about anyone else, but the ship's medical and any other medical facility I would encounter are considered 'Out of Network' and only covered 80% by my health insurance. The other 20% is out of pocket. Or, in my case, covered by the trip insurance.

Also... make sure your health insurance covers emergency transport (like Medevac). I was floored when my sister found out that emergency transport, under her employer-funded policy, only covered emergency transport when the patient is in 'critical' condition as opposed to 'stable' or 'fair' condition. Crazy...

 

[MunFam]

Yes, but your co-insurance/co-pays would be covered by the policy as secondary medical. I don't know about anyone else, but the ship's medical and any other medical facility I would encounter are considered 'Out of Network' and only covered 80% by my health insurance. The other 20% is out of pocket. Or, in my case, covered by the trip insurance.

Also... make sure your health insurance covers emergency transport (like Medevac). I was floored when my sister found out that emergency transport, under her employer-funded policy, only covered emergency transport when the patient is in 'critical' condition as opposed to 'stable' or 'fair' condition. Crazy...

Yes this!!! My coworkers father opted out of medical because his home policy covered it. What he neglected to check was if it covered emergency medical evacuation. Well, he was down in Argentina, got a bite and ended up with something like Zika but not Zika. His insurance is covering his medical expenses, although they are paying them upfront. His medivac flight back to the US cost $257,000+ and was not covered. He was stuck on a ventilator there for months. They finally sold their home...maxed out their credit cards and got him home a few weeks ago. He spent 2 weeks at UCSD medical center here in San Diego and is "healthy" again...the care in Argentina was keeping him alive, but not getting better. He needed to get back to the States for that. And FYI, his medical insurance through trip insurance to cover that was less than $40 He "saved" $40, has no home now and mounds of credit card debt.

 

[kid-at-heart]

Yes this!!! My coworkers father opted out of medical because his home policy covered it. What he neglected to check was if it covered emergency medical evacuation. Well, he was down in Argentina, got a bite and ended up with something like Zika but not Zika. His insurance is covering his medical expenses, although they are paying them upfront. His medivac flight back to the US cost $257,000+ and was not covered. He was stuck on a ventilator there for months. They finally sold their home...maxed out their credit cards and got him home a few weeks ago. He spent 2 weeks at UCSD medical center here in San Diego and is "healthy" again...the care in Argentina was keeping him alive, but not getting better. He needed to get back to the States for that. And FYI, his medical insurance through trip insurance to cover that was less than $40 He "saved" $40, has no home now and mounds of credit card debt.

Absolutely, do check. I did and was informed that yes, it would cover medical evacuation from the ship to the nearest appropriate hospital. I also made sure to ask about the specific area we were going to be in while cruising. If we had been traveling to Central/South America, I would have taken that into consideration. We were traveling up the West coast of the US and Canada/Alaska. This is something I recheck each time we cruise to a different area, just to make sure that the particular area is covered. And yes, our deductible for the year would have needed to be met before the insurance would kick in - but we had already met it for the year.

 

[Anchors Away 2016]

Back to the original question....

You should include anything that is non-refundable. So if your plane tix or hotel room the night before (for example) are not refundable, do list it. If they are refundable (like most rental cars for example) then don't include it. DCL excursions are refundable up to three days before, so for that it depends if you think you might cancel in those last three days. You can always add more things to the policy as you go along in the planning process.

 

[mareed]

As Anchors Away noted, include non-refundable expenses that you want to insure. I'll add that since taxes/fees on the cruise are refundable even if you cancel at the last minute, you don't have to insure them - only the basic cruise cost. Sometimes this keeps me under the next price point so it can make a difference!

 

[JW9DVC]

Yes this!!! My coworkers father opted out of medical because his home policy covered it. What he neglected to check was if it covered emergency medical evacuation. Well, he was down in Argentina, got a bite and ended up with something like Zika but not Zika. His insurance is covering his medical expenses, although they are paying them upfront. His medivac flight back to the US cost $257,000+ and was not covered. He was stuck on a ventilator there for months. They finally sold their home...maxed out their credit cards and got him home a few weeks ago. He spent 2 weeks at UCSD medical center here in San Diego and is "healthy" again...the care in Argentina was keeping him alive, but not getting better. He needed to get back to the States for that. And FYI, his medical insurance through trip insurance to cover that was less than $40 He "saved" $40, has no home now and mounds of credit card debt.

This is where bankruptcy would come to play. Wouldn't sell my house for such.

 

[MunFam]

This is where bankruptcy would come to play. Wouldn't sell my house for such.

Assuming you had $257,000 in available credit to put on your credit cards or enough equity in your home to take out a second. They had to have the money upfront to get him on the plane. It wasn't like "hey, bill me later sucker!" and then watch me file bankruptcy. Maybe in the States you can pull that...where you get treatment/services first, but in other parts of the world, you pay first, then get service. They don't care if you are dying.

 

[Dug720]

Back to the original question....

You should include anything that is non-refundable. So if your plane tix or hotel room the night before (for example) are not refundable, do list it. If they are refundable (like most rental cars for example) then don't include it. DCL excursions are refundable up to three days before, so for that it depends if you think you might cancel in those last three days. You can always add more things to the policy as you go along in the planning process.

OR you can opt for separate airline insurance rather than putting it with the other trip insurance. I don't fly Southwest (or Frontier or Spirit or other bargain basement airlines), so I don't know if they do, but all the major airlines offer flight insurance when you buy a ticket. I figure I'd rather deal with them directly than have a third party involved.

 

[JW9DVC]

Assuming you had $257,000 in available credit to put on your credit cards or enough equity in your home to take out a second. They had to have the money upfront to get him on the plane. It wasn't like "hey, bill me later sucker!" and then watch me file bankruptcy. Maybe in the States you can pull that...where you get treatment/services first, but in other parts of the world, you pay first, then get service. They don't care if you are dying.

Depending on the situation, it would possibly work just fine. Granted I wasn't present to know exact details. Maybe I misread that they were billed after.

 

[cmwade77]

I would say all costs, that being said, anyone have tips for how to handle when you book hotels with a timeshare like DVC?

 

[Heatherdbby]

What all do you include?
As of right now I just have the cruise cost. I don't know how much my airfare will be, I am not cruising until Dec 2018.

When I did mine I factored

Price of Cruise.
Price of lodging night before.
Lodging night after.
Parking at terminal
One day pass to Disney for an adult, and one for a child.
Estimated Gas each way.

We are not doing any excursions or I would include the cost of those as well.

 

[eyeontheball]

So do you just estimate if you haven't booked your airfare yet?

 

[Dug720]

So do you just estimate if you haven't booked your airfare yet?

I usually get the air insured through the airline when I buy my ticket. Easier that way.

 

[Turk February]

So when I'm pricing insurance on Travel Guard, and I select cruise from their options, can I still include our WDW days before the cruise if I want to include the entire vacation? I don't see an option for something land and sea.

 

[TeeVeeTD]

You can add the air to the insurance after you purchase the air tickets.