Insurance

Didn't always get travel insurance, but started over the last three years. I've never had to use it, but I feel better knowing I have it. The policies have changed this year with COVID and all, and to cost have increased too. I have four cruises booked right now and travel insurance for all four because you just don't know.

Yep...been looking into it...pricey VERY pricey. Seems to me someone on board even "thinks" you might have a problem...even if its just a cough...or mebbe a temperature from being out in the sun too long, and sends you to their "infirmary"....welll.....you can guess the rest.....

And now with the new normal a lot of the travel insurance has changed with new challenges. Some companies now have special covid clauses to cover re-patriation and or being quarantined.

Companies are covering their bottom line. Not necessarily talking care of their customers. Glad you were able to recoup some of your cost.

Been a believer of travel insurance when cruising & traveling for sometime, but in this time of cruise cancellation, I did learn an interesting lesson (for a $$). Purchased a policy for a cruise that ended up being cancelled. The insurance company would not allow for a premium refund as the policy review period expired months ago. (Other companies I've used did have a process to request "exceptions" but unfortunately this company would not budge.) They did offer a 24 month period to use that policy on another trip, but as of late, I now purchase annual travel insurance policies, so that would have been redundant. To recover most of the premium, I was able to insure a dinner. Now the residual dinner was less than the reduced premium, but was able to recover 80% of the original premium in a refund. So still a loss overall, but learned a lesson regarding how some of these companies are operating in these times.

I have used CSA and we had no problem when we had to file a claim. The advantage of a 3rd party insurance is you can get one policy to cover your Cruise, your air and your hotel. A lot of time the Cruise line insurance will only cover what the cruise line sells you. I tend to book everything myself to get the hotel and flights I want so the one policy covering all of it is easier if you have to file a claim then 2 or 3 policies.

Thank you, will look into

We usually use Allianz

We go through our home owner/auto insurance company, we did need it once and they came through like champs.

Ive also purchased it and had to use it. The amount it saved me is enough to pay for it for 8 cruises. Well worth the additional upfront cost