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Old 10-09-2012, 12:01 PM
Cruise Fanatic Cruise Fanatic is offline
Join Date: Dec 2005
Posts: 6,043
Buying travel insurance to protect your investment is never a rip off. The difference between the cruise line insurance and another third party insurance is limits on what it covers and how much you will be reimbursed for claims. For instance; the cruise line may reimburse $50,000 toward a medical evacuation whereas a third party such as Travel Guard, Travel Insured, etc; may reimburse up to $100,000. Another fact to look at is if a pre-existing condition is covered. You will also want to know if the cruise line gives back the full refund or only 80%/90%. Bottom line is do a good comparison between the cost and coverages. Cruise line insurance often is one flat rate or based on cost of cruise, whereas third party often is based on total cost of trip and age of person traveling.
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