Should we get travel insurance? Leaving 4/14 on flight and cruise?

[Josh & Amy]

We did not get travel insurance and we booked through carnival. Should we get insurance?

[daddyx2]

Yes you most definetly should always buy travel insurance. BUT!! Do not buy thru the cruise lines...Use a company like Travel Guard, CSA. These are much better insurance companies and usually they cover more for less. But please don't travel with out it. Lets say you get sick on a cruise or hurt and have to be med evac back to the USA? Its approx. $25,000 and if you don't have insurance...you have to pay it.

[Josh & Amy]

What is a link for a website I can buy insurance from? How much does it cost? Do I have enough time to still buy it?

[Jim C.]

Just google for travel guard. And yes, it think you can still get it even though your cruise is coming up soon. They just won't cover and pre-existing conditions. (Like you can't have a medical condition that you won't be able to cruise because of and then buy the insurance and collect.)

But they will cover so much more that the cruise line insurance. (Like medi-flights back to the US if you get injured, lost baggage reimbursment etc... And its at least half the cost of what the cruise line charges.

I don't normally buy insurance, but I did for my upcoming cruise because we have a lot of $$ invested in this trip.

[tncruiseman]

With the number of flight delays increasing, you definitely should look in to it.

[LHT28]

It may be too late to get trip cancellation/interruption insurance as you usually need to buy it within 48 hours of your final payment or as soon as you may have penalties apply.
You can still buy medical insurance
www.insuremytrip.com will give you a choice of insurance companies

[LisaP]

Originally posted by LHT28:
It may be too late to get trip cancellation/interruption insurance as you usually need to buy it within 48 hours of your final payment or as soon as you may have penalties apply.

This varies from policy to policy, as well as from state to state (assuming, Josh & Amy, you live in the States; the situation can often be different for residents in Canada, as I recall from "insurance school."). I highly recommend trip interruption insurance...a good friend was injured on an excursion and she had to pay $thousands for a flight home.

[MicheleT]

I just spoke to my TA. She had originally set us up through Carnivals Insurance...but when I brought this to her attention - she says that they are basically the same coverage - but for A WHOLE LOT LESS. She doesn't know why she hasn't offered this to her clients and THANKED ME!!!! She is checking into getting it cancelled through Carnival (since we haven't paid in full yet)and she is going to use TravelGuard. WOW!!! I can get the four of us for the price Carnival was charging for two of us. BUT remember TravelGuard has a Pre-existing condition clause that did apply to us...but you need to check that out. Carnival's coverage covered what TravelGuard didn't! Hope this helps...and please everyone keep a prayer out that I can cancel and get switched!!! I need to save that difference!

[Didikay]

I've purchased travel due to the fact that I have older in-laws. In the event that they woulf fall ill just prior to the trip we would be covered if we couldn't go.Oterwise you would lose your money. I was on the Sensation a couple of weeks ago and negligently left a suitcase!(We were with 8 other people)I called Carnival (This was on a sunday) to let them know that we had left a suitcase, they said call back monday and report it.I called monday morning and they told me that it was routine to return it, if found COD...I asked how much and she couldn't tell me. (I wanted the option to go back and pick it up if it was too much ,as we live only 2 hours away.) Anyway I came home tuesday afternoon and there it was and they didn't charge us a dime! I was surprised it was received so quickly and not to have charged us. Thanks CARNIVAL....We will be back...

[baby doll]

Thanks for all your input on the travel insurance. We have never purchased it before, but like one post we have a lot of money invested in this next cruise and maybe we should look into getting some. Any idea's what we should be paying? I read somewhere that it only covers 75% of your investment. Is this true?