Travel
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Travel Insurance for a cruise?
Just booked our 7-night southern Caribbean cruise out of San Juan, PR in July... yay! I opted out of paying gratuity in advance, as well as getting trip protection through the cruise line. (I have heard insurance can be purchased elsewhere for much less if I feel the need to buy it.)
So my question for you... when is it worth it to purchase travel insurance?
Re: Travel Insurance for a cruise?
imo it's generally always worth it BUT it's important to know what the cruise line and airline's change/cancellation policies are vs. teh trip insurance.
insuremytrip.com is a great aggregator site that ive used for years.
Travel insurance is a gamble. You are guarding against needing it & the insurance company is betting you won't need it.
You have no health coverage outside the US. If something happens to you, you have to pay the doctor, hospital, transport home out of your own pocket. My cousin's wife fell & broke bones in another country. Her father is very wealthy. They had the $18k cash to cover her treatment & the emergency flight home. That's an extreme case but . . . .
Check out insure my trip . com You can get great coverage for a cheap price.
Also paying gratuities in advance reduces the size of your bill at the end of the cruise. They are automaically added to your bill.
Great info everyone- insuremytrip.com it is!! I will check that out tonight. And good point on the no health insurance part of traveling outside the U.S. That is something that never came to mind but should always be taken into consideration.. esp since I have a great track record of clumsiness.
Also check out Travel Guard. They usually have competitive rates. Take in mind to look for the policy that covers whatever you feel comfortable with - read all the fine print.
travel guard is one of the companies shown on IMT.com
Awesome! I haven't used IMT, so didn't know. Thanks for the info!