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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.
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.