TRAVEL INSURANCE
I
definitely recommend that all cruisers purchase a travel insurance policy.
Although
travel insurance can be purchased up until you cruise, policies usually don't
include any pre-existing conditions unless purchased within 10-14 days of your
first payment toward your cruise. If they do, it's generally at a higher
premium.
That's
why I always buy my travel protection within a week of my first payment toward
the cruise, including the refundable deposit. That way I can be sure I'm
covered for pre-existing conditions. A pre-existing condition does not
have to exist when the cruise is booked -- policies consider any illness or
accident occurring up to when you buy the policy as
"pre-existing". Who knows what may happen between booking the
cruise and actually going on the cruise!!!
All
of the people traveling together do
not have to buy from the same insurance company so each traveler can get a policy from the insurance agency best suited to that traveler's needs.
Each
of you must make your own decision on which travel insurance policy to get, depending on
your individual needs and
concerns. I suggest you do a search on the Cruise Critic
Message Board if you want more information from other cruisers who have had
to use the insurance or wish they'd had insurance. There are 2 excellent
articles on the Cruise Critic Message Board about travel insurance: "Tips
on Cruise Insurance" and "Travel
Insurance Pros and Cons".
STA
TRAVEL: I usually purchase my travel insurance through STA
Travel from the website or by telephone at (800) 777-0112. Their
policy is based on number of days you'll be away from home, not your age or the
amount of your expenses. As a result, it's less expensive than other
policies with less coverage! Coverage (for covered reasons stated in the
policy) includes:
-- Trip cost Trip Cancellatioon & Interruption
-- $500 Travel Delay
-- $1500 Baggage & Personal Efffects
-- $500 Baggage Delay
-- $100,000 medical expense
-- $250,000 Emergency Medical Transsportation
-- $20,000 Accidental Death & DDismemberment
-- $50,000 Common Carrier Accidentaal Death & Dismemberment
PRINCESS
TRAVEL CARE: Jean, our Travel Agent, can buy Princess
Travel Care insurance for you. Check the website for cost and
coverage.
ACCESS
AMERICA: Jean's travel agency has special AccessAmerica travel
protection policies she can buy for you. One of these policies includes
coverage for business-related reasons. Contact Jean for rates and
coverage.
INTERNET
WEBSITES: You can buy travel protection policies from numerous travel insurance
companies on the internet. These policies are generally
based on non-refundable trip costs and travelers' ages. Premiums and
coverages will vary among policies so you should carefully review your options
before you buy a policy.
There
are 2 excellent website that provide side-by-side comparisons of cost &
coverage for the various
travel insurance policies: InsureMyTrip.com
and TripInsuranceStore.com. These
websites also have excellent information about the advantages of travel
insurance and the various coverages in travel protection policies..
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