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Here is a link for a frank discussion of the need for insurance and the cost that could be incurred without it in the event of an emergency. Look at http://cruisereviews.com/Insurance.htm
Insurance horror story!
There are different types of insurance. The insurance I recommend has been a company I have used for two years and have had no complaints. Trip Cancellation insurance pays you for a loss for a number of qualified reasons-most of them emergencies. It is not a change-your-mind insurance. You can even get coverage for loss of job providing you meet the criteria. To get the most coverage, the insurance must be purchased within 10 days of your booking. To be covered for pre-existing conditions and to have protection from bankruptcy of the carrier you also have 10 days from booking to obtain your insurance. To read FAQ's of our insurance carrier, click onto this link: http://www.accessamerica.com/aa/prosellers.aspx?utm_source=myACCESS&utm_medium=Email&utm_campaign=PS-Supplier_0210&utm_content=icon_link
* It provides for your fare if you or your traveling companion cannot go for qualified reasons. Some insurance policies protect your fare, but you still have to go on the cruise without your roommate or spouse if they cannot go. Others will only give you future credit for cruises with them and a time limit to use it.
Our carrier has four (4) different types of policies. All are good, some are better than others. An important note:
1. It is not a "change your mind" insurance policy.
2. Cancellation has to be for a qualified reason. This extends from grandchildren to grandparents and usually centers around a death or serious injury most of the time requiring hospitalization for you, your traveling companion or a member of your immediate family as described above. Doctors evaluation and report must be submitted to the company stating the qualifying factors. The questionnaire includes issues such as when did this problem first occur, how serious is it, does it prohibit the patient from traveling, etc.
3. For the lost luggage protection, you should have a list of the clothing or property that was in the luggage and receipts. So, keep all receipts for anything you purchase for the trip or anything of large value you are bringing with you, including the luggage you purchased. For items of special value you should take a picture to verify what it looks like, and you may wish to make an inventory of each valued piece placed in your luggage so you can present it if needed.
Disclaimer - Information on this page is for illustration purposes only. Below is a highlight sample of coverage offered. Please note that this is not an official offering, it is my synopsis of sample coverage. Your actual coverage and cost will be found in the policy you purchase.
Coverages & Limits
ACCIDENT AND SICKNESS MEDICAL EXPENSES $ Per Insured
ACCIDENTAL DEATH/DISMEMBERMENT $ Per Insured
AIG TRAVEL ASSIST -- Per Insured
BAGGAGE & TRAVEL DOCUMENTS Per Insured
BAGGAGE DELAY $ Per Insured
EMERGENCY MEDICAL TRANSPORTATION $ Per Insured
MISSED CONNECTIONS $ Per Insured
TRAVEL DELAY $ Per Insured
TRIP CANCELLATION Trip Cost Per Insured
TRIP INTERRUPTION 1 Per Insured
15 DAY BENEFITS
CHANGE OF MIND (when in default period) Optional-cost extra Per Insured
PRE-EXISTING CONDITION WAIVER -- Per Insured
TERRORISM -- Per Insured
TOUR OPERATOR/AIRLINE DEFAULT Trip Cost Per Insured
More Information:
Fulfillment Documents Available for download:
Cost for very good plans are based upon age and price of the trip.
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