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  #1 (permalink)  
Old 07-30-2008, 06:19 PM
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When I purchased my Celebrity cruise with Best Price Cruises (my travel agent) I was given free travel insurance that is called "VacationProtect - Standard". The insurance was free, but I did decide to purchase the "CYM" option for an additional $39.00 pp. (CYM-means Change your mind).

I would like to hear your opinions on travel insurance. This is the first time I have ever had travel insurance and I was wondering if you thought if it was a good idea to buy the additional option of "CYM".

Your input would be greatly appreciated.
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Old 07-30-2008, 06:49 PM
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I'm a little leery of "free" insurance; you have either paid for it as a hidden charge in your cruise fare, or if it in fact was "free" then I would be dubious about what kind of coverage your actually received. I don't mean to sound so negative, but insurance can be very valuable--or completely worthless; and very often you won't know which it is until you need it.

But getting that out of the way, yes, insurance is important and "CYM" is important, assuming that means you can cancel at the last minute for any reason.

The main components you want to look for are "trip cancellation", "trip interruption", medical coverage, medical evacuation coverage and baggage loss or damage protection. A cruise is a considerable investment and you need to protect your investment.

I would look closely at your "free" coverage, and if you don't see all or most of the above components, I would consider getting additional coverage from one of the many very reputable independent providers, such as Travel Guard.

Rick
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Old 07-30-2008, 07:07 PM
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Here is a little info I got from the policy:

Thank you for booking your Travel Insurance with Best Price Cruises. Your Policy Request is below:

Policy Type: VacationProtect - Standard


Coverages:

Trip Cancellation
Limit: Up to the Trip Cost

Trip Interruption
Limit: Up to the Trip Cost

Trip Delay
Limit: $500.00 USD

Lost Or Stolen Checked Baggage
Limit: $1,000.00 USD

Baggage Delay
Limit: $250.00 USD

Emergency Medical Evacuation/Repatriation
Limit: $500,000.00 USD

Emergency Medical or Dental Expense
Limit: $25,000.00 USD

Worldwide Assistance Services Included
Limit: Unlimited



Coverage: Insurance for Cruise to CARIBBEAN on December 1, 2008
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Old 07-30-2008, 11:49 PM
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That looks very comprehensive; I think you are okay.

Rick
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Old 07-31-2008, 08:53 AM
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Thanks F-Mattox...Appreciate your input.
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Old 07-31-2008, 01:54 PM
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Check the limitations- For example -trip cancellation. What do they consider valid reasons for cancellation? Injury/sickness only? Changed you mind? Depending on your job situation, you may want to make sure it includes loss of job/layoff or transfer.

For baggage delay, is that total or per day delayed? We met a couple on our last cruise that didn't get their luggage until the 7th day of a 12 day cruise. They basically had to buy a week worth of clothing and necessities. Would you be able to do that for $250?

Its those types of limitations you have to worry about. The TYPES of coverages you have is a good set. Just be weary of what/how they kick in. And bring a copy of your policy with you in case you need to check it about something. You would most likely need to purchase everything on a credit card and then submit a claim for it. It would be bad to assume you are covered and then end up eating the cost because you weren't covered in the way you thought. Just food for thought. Most likely you won't need to use the insurance but you can't be sure.
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Old 08-06-2008, 04:00 PM
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Can anybody recommend a good travel insurance company that would include all of the elements discussed in this thread?
Thanks
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Old 08-06-2008, 04:08 PM
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The best thing to do is go to Insure My Trip and compare policies. That is what I do.
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Old 08-06-2008, 04:10 PM
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Thanks I'm going to add that web site to my bookmarks.
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Old 08-15-2008, 03:51 AM
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Are there any cruisers out there who are over 70? What do you do for travel insurance?

I am 60 and DH is 71. We always have a lot of truoble getting travel insurance that involves a cruise.

Any suggestions? It would have to be international as we live in Europe.
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