Insurance question.

I apologize I know this has to be in the search here somewhere, but I am relativity new and I can't seem to find it.

We have never cruised with (gasp) travel insurance. But with the state of things now and the fact we are cruising with my dad in his 80's, Do you all recommend getting insurance through the Cruiselines or through a independent agency? We are traveling Princess, on a Pacific coastal in October. any recommendations would be appreciated.

13 Answers

Just my opinion: I never buy insurance from the cruise line. I've found it to be too expensive

and with poor coverage. Many years ago I did not buy it at all. Then I had a problem and started getting coverage thereafter. I'm now 72. I strongly recommend it for your father even if he is in perfect health. Too many things can happen in our later years.

By all means look closely at the policy to compare! For example most cruise lines offer coverage only for the cruise. My outside coverage begins when I walk out the door and ends when I open my door on returning. Does your cruise line offer that kind of coverage?

I'm certainly not selling insurance, but I can tell you what works for me. My home and vehicle insurance is with USAA. They offer travel insurance through Travel Insured International.

I believe they are rated one of the very highest companies for travel insurance. Your cruise line probably doesn't want you to know this. They're making money selling insurance. Check for yourself and compare costs, coverage and ratings and make your own decision.

I had a claim and they paid promptly with my documentation. Just my experience. Don't buy on the basis of fear mongering. Do your homework first and understand your coverage.

Don't buy through cruise lines.

So who would you recommend?

Depends on where you are and what you need. In some scenarios the cruise line offered policy is the best. Shop around and see.

As stated previously: Compare cost, coverage, and ratings based on your needs. Do your own research. I'm not selling insurance and not endorsing any companies. I only indicated what works for me.

Almost forgot one very important consideration. Be sure to check coverage for any prior health conditions. Many do not offer coverage if you have a problem with a prior condition.

My insurance covers me for 'priors' if I buy the insurance within 30 days of my initial deposit.

This is very important and you wouldn't want insurance only to find your "prior" problem wasn't covered after you filed a claim.

Agree on not taking the cruise line insurance (unless it happens to fit your needs). My suggestion is to google "what is the best travel insurance?", since what I like and what other folks like make for a confusing mess. Big things today are pre-existing and Covid coverages that get you home from a foreign stop.

Depending upon your annual travel plans (cruises, resorts, cross country driving vacations, flights, weekend get-aways) you may want to look at an annual travel insurance policy. We found if you're planning to cruise about 3x over a 12 month period, its more cost effective than a cruise line plan and it covers you for all travel/vacation types during the period. Check it out .

I'd compare prices, but defiantly get insurance!

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