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 personTrip 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.