Do you have experience with travel insurance? I need some feedback.

Have you had to file a travel insurance claim? If so…

Can you share an example of how it helped you in your situation? Why did you have to file a claim? What was the process like? Would you recommend travel insurance for those going on a cruise?

Also, have you ever encountered a situation where you needed travel insurance but didn’t have it?

What was the result, and what would have been different if you did have insurance?

22 Answers

We found there is a BIG difference in cost and coverage between travel agent and cruise line sites. Because of our ages now, getting travel insurance through the travel agent is very expensive. We still book with the travel agent when we get a cheaper price but use the cruise line insurance which is typically much cheaper. However, the difference in coverage is huge. Cruise line insurance covers getting you to the cruise and travel sites cover pretty much everything including medical which cruise lines usually don't. One of the big benefits we found booking with RCL is using their Air to Sea. We find the airfare ourselves and compare it to what they find for us. If our find is cheaper, Air to Sea books the one we found. And THAT is a huge plus. If you book through them and your flights are cancelled or delayed, they are ON IT. We were on the American Airlines flight to Barcelona that turned around in the middle of the Atlantic and went back to Miami due to faulty bathrooms. Air to Sea already had re-booked us to Malaga and booked a hotel with transportation from the airport in Malaga to the hotel and from the hotel to the port the next day before we even landed back in Miami. Not only that, but covered the cost of our meals while at the hotel. We only missed that first day of the cruise. We always use Air to Sea now, as we consider this a form of travel insurance to get us to the cruise.

Good stuff pays to do your homework...

We have had 3 instances in our party with the insurance. The first was a friend and his wife going out of New he Orleans. She was hospitalized in N.O the day before they sailed, lost the whole cruise no insurance. Another cruise our good friend was having eye issues so severe her Doctor would not allow her to go. She had insurance and the majority of the trip was refunded, it took a few months but it worked out. The third was a mishap on the pool deck where a teenager ran into one of our cruising partners and our friend broke her hip. She ended up in the infirmary for 4 days. The insurance kicked in for a medical flight on debarkation and other medical needs, again it took a bit but worked out. We live in upstate NY so insurance is a little harder to get but we secured it for our cruise in March.

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