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Old 03-28-2007, 06:32 AM
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In your opinion what is the best travel insurance for a cruise. I have been looking at a Travel guard policy, but it is confusing because there are so many. Does anyone know the difference between the different ones?
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Old 03-28-2007, 08:01 AM
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I don't know if anyone can really tell you want you get or are covered by with any of those insurance policies. Look at those people that were hit by the hurricanes. When they tried to collect all they got was a lot of double talk BS. The damage was due to flooding not rain. The wind blew your roof off and you are not covered for wind therefore we cannot cover any water damage. Etc....

HR reps do the same they don't know a answer and will hand you some BS and then will tell you that they never said that or that you misunderstood them.

Good luck. I think you will just get more frustrated. I am also interested in the answer to this one; especially someone that has had to use it and not someone that is selling or just purchased it.
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Old 03-28-2007, 08:27 AM
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The best insurance covers, cancellation before departure, trip delay (flight delay etc) , luggage and medical emergencies while you are on your trip.
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Old 03-28-2007, 08:37 AM
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This subject come up frequently. One company that is often mentioned in a positive way is Travel Guard. If you click on "find* at the top of the page and enter "Travel Guard Insurance" it will give you specific posts where this is talked about.

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Old 03-28-2007, 02:51 PM
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I have looked into Travel Guard and it appears they have about five different policies. When you look at them , they all look similar, just differ in cost. Any insight into the differences?
Do most people take out the travel insurance. It almost seems risky not to.
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Old 03-28-2007, 03:04 PM
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The difference in cost is related to the amount of coverage you want. And yes, it is definitely risky not to. Unless you travel with a lot of expensive clothes you can probably cut back on the lost luggage premium; but you should have the trip interruption/cancellation and emergency evacuation coverage.
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Old 03-28-2007, 05:48 PM
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Which specific policies are you considering? I can help decipher the differences.

I am a firm believer in purchasing travel insurance, not just for trip cancellation, but for trip interruption. A good friend of mine was injured on a shore excursion and had to cover the cost of much of her medical care (her health insurance was not accepted outside the U.S.) as well as $thousands for transportation home. She did not have travel insurance on that cruise, but has bought it ever since.
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Old 03-28-2007, 07:37 PM
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Look here. It will help you look at several different insurance companies and compare their differences in what they cover.
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Old 03-28-2007, 10:38 PM
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I just booked a cruise last week on the Pride in July. I have never cruised and have 2 booked cruises. I bought insurance for the Freedom cruise but not for the Pride cruise. How important is it to have travel insurance. Please fill me in. Thanks
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Old 03-29-2007, 09:13 AM
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depending on how much you paid for your cruise and if your medical insurance will cover you outside the USA..I always recommend to my clients about the insurance, but I do not pressure them into buying it. My job is to give them the facts and what can happen if you do not have it.

Example: Had a family reunion group going on a 5 night cruise out of Galveston in December. 8 cabins booked, family from all over USA, one family with 5 members were unable to leave Colorado due to the heavy winter storms..(remember when the airports were shut down?), well the other 7 cabins sailed and this one didnt, they couldnt even drive out of the area to another airport..they purchased the travel insurance and were reimbursed their costs due to missing the ship.

Example 2: Had a young couple purchase a 5 night cruise from Charleston SC, after final payment found out the wife was pregnant, no medical problems, just decieded that she was scared to go on the cruise due to possible sea sickness...no insurance...no refund. They cancelled 1 week prior to cruise..Lost all their money.

Kinda like homeowners insurance and auto insurance, hate to pay the premiums, but glad you did when you are protecting a large investment.
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