Travel Insurance - do we need more?

Hey everyone, with all the hurricane travel issues this week I am starting to wonder if we have enough Travel Insurance coverage for our upcoming cruise in Dec. We are flying in the day before from Canada & that alone makes me think I need more. Our first cruise was 10yrs ago (this will be our 2nd) & my hubby & I were meeting 2 other couples from his company in Fort Lauderdale. It was also Dec & due to a storm that came through, our flight was delayed leaving, missed our connecting flight in Montreal & got in FL 8.5hrs later than planned. Thankfully because we flew in the day before & our original arrival time was noon so we had that full day to get there. However, this time we are due to arrive in Orlando at 9pm, if for some reason we have a big delay it could have us arriving the day we sail (fingers crossed that doesn't happen).


When we booked, our Carnival Rep mentioned we have the Vacation Protection Plan & I've read this over a 100 times but recently read somewhere that if we didn't book our flights through Carnival (we didn't) then that insurance wouldn't cover our flights should something happen. This is what the summary states:


Trip Cancellation Coverage per person

Trip Cancellation/Interruption Coverage (independent booked air): If you cancel due to weather, illness etc you get 100% back in cash, if you cancel due to any reason not covered by the plan you get a 75% cruise credit back. *Of original flight amount* Travel Insurance: Delayed Trip - up to $500 in catch up expenses (ie: hotel, meals, transportation) Baggage/Personal Effects: up to $1500 if your baggage is lost, stolen or damaged; up to $500 if you need to buy replacement stuff while waiting for your bags after 24hrs. Medical - Accidental Medical/Sickness: up to $10,000, Emerg Evacuation - up to $30,000, Repatriation (return to your own country) $30,000

We also have some basic travel coverage through hubby's work & our provincial health coverage has some stuff too.


Is this enough or would you still purchase travel insurance independently for the 4 of us?


Sorry so long! I did try searching the forum first but couldn't find exactly what I needed.


Appreciate any advice you can offer. 


Tags: carnival travel insurance

6 Answers

My best advice to call Carnival and ask if your flight is covered. When we used their services before they said the flight was included in the coverage. I know they use a third party for the insurance, so if you have that name and number call them directly. We chose to go with our homeowner/auto insurance for our last cruise. Sometimes they can give you a better deal (good for future reference). Good luck!

You thought me something new about insurance because I've never thought about Home Owners before.

To call and get a quote will cost you nothing and might just save you a bit.

Good advice

I prefer to use non cruise line travel Insurance so I can get enough to cover the air and hotel. I think it is CSA that I have used. I have put in claims for medical reasons and got paid out very quick and very easy.

We will always use our RBC Insurance for general travel and our homeowners for specifics. I can meet with our agent and have it set up at minimum cost.


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