So, I just got off the phone with Royal Caribbean. I had been reviewing my last statement for my Upcoming 2020 cruise, and noticed that it said we had declined Travel Insurance.

Now anyone here, that actually pays attention to what i have to say in my posts, knows that I preach the Importance of Trip insurance when cruising so I assumed it was a mistake or oversight when we had booked the 2020 cruise.

I called RCI, and spoke to Luis in bookings. He informed me that a NY law that went into effect earlier this year precludes the cruise line from providing travel insurance when travel is booked directly through the Cruise Line. He also provided the Insurance carrier's phone number and pricing so I can call them directly, and book my trip insurance. Also, according to Luis, this only effects Residents of the State of New York.

This should not effect bookings made through travel agencies, however I strongly encourage everyone to check their documentation

Tags: RCI RoyalCaribbean TripInsurance NYS

16 Answers

I have found the advantage of a non-cruise line Travel Insurance policy is that I get one policy that covers the cruise, air, hotel and if I pre-paid rental car. Cruise line policy's that I have been offered only cover the cruise. I like everything covered by one policy so I just have to file one claim if needed.

Is that cruises leaving out of New York or New York residents no matter where they are leaving from? I have two upcoming cruises neither which are leaving from NY but I am a New York resident. I tried to look up the info to no avail.

Thanks in advance.

It occurs to me this stuff happens all the time. If you see ads for Insurance products on tv, they show a screen all in fine print for a few seconds that says its "not available for the states of so and so". So NO, it doesn't matter where you're cruising from, if you use a NY address, you cant buy insurance direct.

Good info to alert people to.

It is ANY cruise if you live in NY. I would review your documentation, and see if you have travel protection listed.

Folks who bought and paid for it have it grandfathered in prior to the change date. Their website covers it

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