CRUISE INSURANCE PRO's and CONS

This ought to be interesting.  We, as you may have guessed, are retired..gratefully...wouldn't want to do any of that other stuff again...We have checked MEDICARE and our SUPPLEMENTAL policies to see exactly what they cover "out there". Some folks leave it in place until payment is required, then you cant cancel it.. We make our bookings as far out as the schedule allows, choosing ships, cabins etc, when virtually everything and anything is available. When we started cruising, we had it.  Now its like a tradition...to include it or not...lately its been not...

I think many folks in here have seen those ambulances pull up to the pier...and somebody's cruise gets, shall we say, interrupted....in a place that isn't known for stellar medical care, or cutting deals with cruise ship passengers.

 

What say you?

24 Answers

For me, I keep it in place for the medical reasons. The trip cancellation is just gravy.

We don’t leave home without travel and medical insurance for any vacation where we leave Canada. We already have it in place for our few days in Seattle later this month.

Hadn't thought about you folks from the "true north".....good point....my apologies for the travail coming out of DC....apparently lots of folks are.....

We get comprehensive insurance for all our travels. No way would we leave home without it.

Exactly.

I'd say keep it if you can.  I've had to use the Trip Insurance a few times when I had to go to the Infirmary.  Nothing medically major was wrong, so they could handle it there.  But I still had to pay for the medications.

Not a money issue fortunately...so we keep asking ourselves why do we cancel it? admittedly not very logical....

My plan at work covers medical for my wife and I while travelling and that is all we go with. We have never had any of the trip insurance and I figure with what we have saved by not having it is equal to or worth more than an entire cruise so in that respect we are ahead of the game.

 

well we've already paid for a cruise by cancelling it..I guess that entered into it a couple years back.....I got  a question...I assume you've checked...your plan covers ALL travel outside the 200 mi limit? cruises, Europe, SA, wherever???

 

We always get travel insurance, not so much for the cruise cost, but for medical.  You never know what can happen.  It's worth the money for my peace of mind.

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