I was wondering how many of you purchase cruise insurance? Do you only purchase it on longer cruises or shorter ones too? If you needed to actually use the insurance, did it cover what you expected it to cover?
I purchase it for the medical portion. I doubt my work sponsored insurance would cover me if there was an emergency on-board or in a foreign port.
The trip cancellation is just an added bonus.
Luckily I have never needed to use it.
Prior to hubby's stroke, we did not bother. Now, health issues are more unstable and we feel the insurance to be a good value. Fortunately, we have not had to use it as yet.
I always buy the insurance now, never used to to. I started because of my aging parents. Little did I know I would use it for my brother who had a stroke. The insurance forms were easy to fill out and everything was refunded. I was very pleased. Now I'm back to cruising and brother is well.
I always purchase it. I have used if when I came down with the Flu the night before a cruise, When I had to go in for for an unexpected surgery, When dad got the flu and when a friend got a doctors restriction that he can not go on a cruise due to lung issues.
The forms were easy to file and great customer service from the travel insurance company. I had payment in a few days.
When you get insurance make sure to get enough to cover the cruise, Hotel and air fair. You will need copy of receipts of amounts you paid for Cruise, Hotel and Air tickets that are non refundable.
I always get it, short cruise or 1 month cruise - land vacation. Most travel insurance does have some exceptions for pre-existing conditions causing cancellation.
We also get flight insurance when we book our airfare separately and/or it is not covered by the policy for the cruise itself.
The policy I got through Vacationstogo covered the cruise, air and hotel so just one insurance company to deal with.
Thanks everyone. Once we purchased flight insurance because we booked using frequent flyer miles and we had to change planes three times. We didn't use it but we felt better having it. We may start using cruise insurance now that we are getting older.