Contributor Level: Captain

Which is the way to go for Cruise insurance? Cruise Line or Independent Co.

Ahoy Maties! Happy

On my first virgin cruise, it was only 4 days so I just went with Carnival's Cruise Insurance, because I just rather be safe than sorry.  I felt it was seasonable and worth the fee.  I was also sailing by myself.  Good deal!

This next cruise will be the whole family for 7 days on Carnival and I've been reading more and doing some research.  I'm hearing more about other companies that offer Cruise Insurance.  I'm also finding some better rates out there.  Being the novice here, I'm turning to you my Cruise Buddies that have a whole lot more experience and knowledge that I trust for advice in this department! Wink

What is your personal preference?  Any recommendations on Cruise Ins. companies that you may have used and have or have not been satisfied with?  Any and all suggestions will be appreciated! Happy   Thank you and Happy Cruising!


16 Answers

Contributor Level: Captain

I use my own banks insurance group, I get a real good rate for the short term insurance required during travel. But also check with you credit card company.

Contributor Level: Captain

We always use Allianz

Contributor Level: Captain

I have bought both. The only insurance I have used is one purchased through Princess. 

Contributor Level: Captain

We go through Allianz. Never had a problem, but then again never had to use it either.

I go through "insuremytrip.com" Prices are reasonable and you can compare rates from several companies.

Contributor Level: Staff Captain

Ah yes .. and have you ever added up how much you have spent on cruise insurance to never have used it? I bet it is more than a cruise or 2 would cost .. so to never have bought it, even if it turned out you needed it  you have still come out ahead. I assume we are talking cruise insurance and not extended health insurance as the two are different and should be separate.

Contributor Level: Cruise Director

agreed, OGW.  That's why we never get cruise travel insurance. 

Contributor Level: Staff Captain

We go through Trip Insurance Store.  We have found better rates and better coverage when we buy from an outside company rather than through the cruiseline.

Contributor Level: Captain

The cruise insurance covers both the cruise and also health matters (such as emergency air evacuation running tens of thousands of dollars).

I have spent more on life insurance than I will receive, and I have never had a claim. That doesn't mean one should not get life insuranceWink

Contributor Level: Captain

Big SmileThanks everybody for your quick responses.  I'm gonna put my husband on the "research and comparison mission" with the information and tips you've given me.  I knew y'all wouldn't let me down!Wink   I still welcome any other suggestions.  Y'all are the best!!!


Happy Cruising! Happy


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