I never used to even consider insurance until I missed a Columbia River cruise due to a sudden detached retina and eye surgery on the day before I was supposed to fly out.
Now I look at it as, "how much do I stand to lose?" On a little run down the Mexican Riviera I'll pass, although the thought of an air evacuation is causing me to rethink this; when I took four family members on a 10 day Baltic cruise, you bet I was insured. And as I get older I realize there are more and more things that could sidline me at the last minute.
The Iceland Volcano has certainly messed up the air space.
We do not buy insurance very often. We look at the risk, and take it from there.It is not only our health issues we have to think about, but our parents are at the age where things come up. So far we have been lucky.
Remember, also, that not all policies are created equal. I mentioned earlier that my parents' travel companions were covered when my parents had to cancel, and that we would have been covered for cancellation due to the volcanic eruption. Yet, I know of others whose policies did not cover them for cancellation due to the Iceland volcano. This is why it's important to read the policy terms carefully before you buy -- not that anyone could have imagined a volcano derailing a trip, yet certainly pay attention to provisions concerning pre-existing conditions (including those of close family members not traveling with you), travel companions, whether health coverage is primary or secondary to your health plan, etc. etc. etc.
Back to my question about required amount of insurance to purchase...Are we required to cover all the costs of our trip, or can we just look at the total of cruise and air for instance and just purchase that amount. Or, do we have to add in hotels here, at port, cruise, air, side trips, hotel before flying home? I have heard both ways? Thanks in advance for the info.
You can cover whatever you want. The insurers don't want an itemized list of your trip costs when you buy the policy. I buy enough coverage for everything - from the time I leave until I am back in my house with all my luggage - and round it up to cover miscellaneous things. So if my total cost for air, cruise, hotels, etc., is $3500 I'll buy $4000 in coverage. I also have my policy start a day before I leave and end at least a day after I expect to be home.
Thanks for the responses to my question; I just wanted to make sure that I did include what I needed to NOT void the coverage in the event I had to make a claim.. Cover what is necessary but not what I don't need to in order to keep the cost reasonable and make me feel secure. I don't want a loophold to void my protection.