Thanks for breaking this down. A few other things to consider: 1. Many credit cards, especially travel-oriented ones, provide trip insurance. Mine covers trip cancellation/interruption (for specified reasons) as well as a nominal amount for medical, if you charged any part of the cost of the trip on that card. Benefits vary, of course, so check the card terms. 2. Check with the health insurance you already have to see if, and to what degree, it will cover you abroad. Mine provides the same coverage abroad that it does at home, but I'd probably need to pay up front and get reimbursed. 3. Consider medical evacuation. Even if your health insurance covers this, it's likely (1) only if medically necessary, and (2) only to the nearest suitable hospital. Some travel insurance will cover evacuation to a hospital of your choice, which would be much nicer. Expect to pay more for this benefit.
Still keeping you in prayers for your health, Don. Thank you for this video. Even though I love NCL, I had a terrible time with the insurance I bought through them. I had to cancel a trip 2 days before departure due to a family emergency. Never be fooled by the phrase “for any reason”.
Always get it. It's sort of expensive, but with my luck I'll never need it, but if I don't buy it, for sure I'll need it. I buy the Platinum plan through Princess.
I just discovered your videos and really appreciate all the helpful information. I am so sorry to hear about your battle with cancer. Wishing you a speedy and complete recovery.
Great, great tip on including travel days in the days of the trip! The real main drivers in cost is age and cost of the trip, not days. I used to never buy insurance picking to self insure. However, I now think the single most important reason to buy insurance is in case the very worst happened overseas on a trip. A friend needed a medical evacuation from Aruba a couple years ago, about 30k. So I take the rest along with it, not much more.
How much does that cost? We usually cruise 4-5 times a year and have a couple weeks in Aruba. Would that be cost effective for us? Do you set a set limit per trip/week?
there are limits of how many days in a row you can be gone and total months but I think it's like 60 days in a row and 6 months of the year. If I'm traveling more than 3 weeks it's cheaper to look into the year insurance. every insurance company offers something like that
Good video, Don. I took care of a patient once who had NO travel ins on her cruise and she had to get air lifted off the ship to an ICU on an island hospital. Once she was stable she was flown to the US and to our hospital. She said she would NEVER go without ins again!! (well duh!!) :-).....BTW, excellent advice about adding the extra ins coverage for the beginning and the end of your trip!
Thank heaven for medical coverage! My husband got seriously ill and we had to debark in Ketchikan and then be flown to Bellingham, WA., then 10 days in hospital. It was much less of a nightmare because we had good coverage.
I always get travel insurance but only recently as I get older. Since if you get sick or hurt overseas it can be costly and usually they want money before treatment. Had a friend who got shot ( accidently they werent shooting at him) he would have had to pay for air evacuation ( about $42000) instead it was covered.
Hi, Don. Can an independent travel agent not employed by the cruise line (you?) get me the travel insurance only, or would I need to book the entire cruise with that agent? I'm already booked for the cruise but haven't purchased my travel insurance yet.
Be sure to read the small print on the policy! I think the most common risks you'd want covered would be (1) Missing the cruise because of airline delays, re-routing, lost suitcases, etc. and (2) major illness just before departure time (eg, appendicitis 2 days before the cruise sails.) 3 years ago Celebrity offered me generic insurance that cost 10% of the cruise price. It covered only the time between embarkation and disembarkation. That meant no coverage for cancellation due to flight delays, etc. And no coverage for cancellation due to major illnesses prior to the cruise. Usually cruise company insurance covers flights that THEY book as part of the cruise package. Cruise company air travel presents its own constellation of risks and frustrations. Be careful about exclusions for "pre-existing illnesses". I know of instances in which, for example, the insurance refused to cover a broken leg after a fall, because the individual was taking a medication that "may cause dizziness", so the broken leg was surely a complication of her pre-existing illness.
Good luck with the big C, sir and thamk you for taking the time to make the video. I have a Capital One Venture card and it says it has 'travel insurance' but I don't know if I should get the insurance through Royal Caribbean. First cruise, so I don't know what I should do. I do have regular health insurance
We were going out of charleston S.C with 2 other couples Hurricane Florence came ashore the weekend we were sail. We had all taken the insurance that Carnival offered. Weall received money for port charges and such from Carnival and at we got all our money back. Recommend the insuarnce they offer.
I notice that you did not mention anything about plane fare. Some cruise line insurance policies cover plane fare if you book the fare through the cruise line only. For example, Viking Cruise Line does not cover plane fare if you purchase it own our own you have to get it through Viking.
When me and my husband went on our cruise years ago we didn't have it. He cut his finger and when we got back to the ship they wanted over $20 for a bandaid. They told him he had to buy the whole box and he argued with them. Finally they gave him a bandaid for free. They're stingy on cruise ships. I don't know if insurance would cover a bandaid but next time we go I'm gonna just bring my own first aid kit.
Hmmmm, I dunno ... these travel insurance thingy ... I am wondering whether I now have logged into this fear of "just in case something bad happens". The thought of buying travel insurance had never entering my mind up until this upcoming June cruise I've been planning (since July 2017) when I started finding out that there is this thing call "travel insurance". I mean, I had traveled much in my last 30 years or so, both domestically and aboard (ie, Paris, Costa Rica, Puerto Rico, Bermuda, a RCCL cruise over a decade ago), had never purchased any travel insurance, and nothing ever happened, and my travels all were completed smoothly without a glitch.
I purchased trip insurance through my travel agent and then hurricane Maria took out almost every islands we were traveling too including our beginning port San Juan. Royal Caribbean was telling us the trip was still on although the airport was closed and we had no way to get there. We were dismayed to say the least. We called our travel insurance company and they said, sorry, nothing we can do. The hurricane didn’t happen during your cruise. Seriously? $400 down the drain for full coverage trip insurance. Fortunately our hotel reimbursed us because they were closed due to extensive damage, we called Delta and they kindly reimbursed us and Royal finally cancelled the cruise about 20 hours prior to it. Up until that point they were telling us to just fly in the day of the cruise. Seriously? Now I’m distrustful of cruise insurance. What if it’s another scam and I really need it? They all talk a good game but when push comes to shove they come up with excuses why your not covered. I thought buying through my travel agent I could trust it now I’m weary of them all.
Travel Guard Insurance is virtually impossible to use. Even if you read the policy you will not know the volume of documentation required for coverage. It a complete waste of money, you will never be covered. For instance in the policy it states that you need a letter from your doctor advising you not to travel by air to get coverage for a cancelled trip. Upon apply for coverage refund you will find addition documentation required that would take your doctor an hour to fill out completely. I doubt any doctor would be willing to fill out the required forms. Skip any product from Travel Guard.
question ..lets say i buy trip cancellation insurance which I would ...lets say I book a trip 6 months in advance ..by the time the trip arrives its cancled due to oh im guessing hurricanes or whatever ...what actually happens ? full refund or do i just get to pick another trip
if it's canceled because of hurricanes or something like that and the ship does not sail then they will either offer you a refund and a credit for another cruise. if you cancel it for a reason then it depends on the coverage you got and what % is covered.
Sorry to disagree with you, but I think that organising travel insurance through your cruise line is the last thing you should do. You could end up paying double, or even treble the amount that an identical cover would cost online. In Europe it is often cheaper to buy an annual policy rather than paying for two individual cruises. Another advantage is that if you book, for example, a cruise on NCL, and then another on MSC, you will probably have to sort out two entirely different policies. An annual policy will automatically pick up all your booked trips, so if you book a cruise today, for July 2019, you will be covered if you fall seriously ill tomorrow, so long as the insurance does not expire before the end of the cruise. I worked in travel insurance for years. A lot of the premium goes in preparing paperwork, payments to agents or brokers and investigating some of the claims. Only a relatively small percentage is used to pay claims. If you have got lots of money, but little time to waste, then fine, get insurance through the cruise line. On the other hand, I would prefer to save $80 by spending an hour researching and then making sure that I am scrupulously honest filling in the application. In my personal opinion, it is more likely that someone will get a claim denied because of the unlucky person having a pre-existing medical condition if someone else filled the application form in for them. Finally , only use insurers whom you recognise.
Don, I was wondering since you're Canadian. Does the Canadian government healthcare cover you when you travel? I was wondering since socialized healthcare is such a contraversary in the USA.
I purchased trip insurance when I booked my Caribbean trip to Sint Maarten. Glad I did since Hurricane Irma wiped out the Island and I could afford to cancel everything and I went to Florida instead (which still had hurricane damage but not as much)! Hey Don, does your insurance cover damaged electronics from stupid lady passengers??? Hope you have/had a great time on the Princess ship anyway (booze does help)!!
You did another posting where you listed various types of insurance where it was on the left hand side of the screen and you said get the one cancel for any reason which video was that?
I’m pulling for you Don! Btw, I had full coverage including pre-existing conditions. My question is about material damage. My brand new suitcase was damaged on the arrival flight. I complained to airport baggage department, who gave me a large plastic bag with instructions to mail it to luggage repair after I return home. Is it feasible to get a quicker resolution by reporting this to the travel agent first?
I am ambivalent about travel insurance. My travel agent just adds it, but I have a credit card that has the same sort of travel insurance. I had occasion to make a claim, as some idiot nicked my ipad. Wellllll.. since it wasn't bought within the last 90 days, too bad. The travel insurance would pay me a tad over $200 USD. But Americans can use European medical for emergencies without cost. They will NOT fly you back, so..be forewarned. So, I think it's all about the total cost of your trip as you say and what extensive coverage you want. It's not cheap. I paid three hundred Euros for mine. Like your cruise videos. Very entertaining.
My travel insurance policy, which is probably similar to most, does not cover most/any otherwise included insurance expenses related to a pandemic. The corona virus was declared a pandemic on March 11, 2020. Therefore, people travelling with those policies may be out of luck for coverage for trip cancellation/interruption/delay. Unless a refund or credit is issued by the insurance company, the result is that people paid their money for little benefit. Plus, what about those who had their trips cancelled by the cruise company? Shouldn't they get their money back automatically? So far, I haven't!
i would like to get full coverage for cancelling my cruise, even if i cancel for no real reason at all. i'm a senior, and i might just not feel up to it. would it be better to get the Princess Vacation Protection - Platinum Plan or another plan from another source? the Princess Vacation Protection - Platinum Plan web page says it will provide a 100% credit for a future cruise if cancelled for a reason other than for illness, injury, or death. i don't really want to spend a lot of time researching this. Maybe I should use a travel agent instead of trying to do this myself. How can i find a good travel agent in the San Jose CA area?
What would you recommend? I am going to st Thomas middle of September. We are spending a week there and we are flying. Flights and stay is around 2,000. What insurance would you recommend
Hi Don! So glad I found your channel (and subscribed!). I'm a bit confused about the travel insurance. I got it on each of my previous 4 cruises through the cruise line with no issue. However, after booking & paying for my 5th, I had a serious issue and needed to cancel. Aon put me through hell and had every excuse not to refund my money. They wanted vast medical documents from my Dad (he's the reason I cancelled) so finally I said never mind. Instead, I booked a different trip for a few months later and Carnival refunded all but my deposit so I could then pay for the new trip. I am now not comfortable getting the travel insurance since it seems to be a rip off. 😢 Any advice?
Insurance is a minefield, but bear in mind they have to have all docs to prove your case as so many people try to rip them off. If you have to cancel, you must do it while you are in that cancellation penalty period, if you hold off cancelling, and you fall into a higher penalty period, insurance will not pay that extra. You must read the policy. All terms are in it. Beware of pre existing conditions. Good luck. In Canada the cruise lines insurance is very minimal, I never buy that. I usually buy from my bank, and compare to CAA.
Don's Family Vacations I look into other insurance, and they were higher than the cruise. Also write the name of the insurance companies you meant in this video.
Hi Don, what's a good medical insurance provider for Europe (Spain, France and Italy). We are going on a cruise. My wife is required to get at least 30k Euro of insurance. I'm thinking of getting it for the whole family of 4.
scams out there have to be careful - 69 and 65 years old here over 70+ cruises and traveling the country europe and the world - i think about it but never take it - we once went on a 28 day cruise in 2017 to northern europe and 12 days prior my husband had a double hernia that failed to heal - the prostrate fell into the euretha so he had to wear a bag connected to his bladder through his penis for that trip - we never needed to attend a medical professional while on the ship - i feel like whelp we have a great insurance policy and a credit card that i use that covers stuff - im on the fence on spending extra for that - - so far have never taken anything extra risky probably
the cancel for any reason is the best out there as you can just change your mind and you get your money back. that's why it cost more than other types of insurance. I would say medical is a must. then If you cruise is costing alot then I would say at least get trip interruption insurance.
Depends on the health insurance you already have and where you go. I'm heading to South America soon, and my insurance company said they'll cover emergency medical, but on a reimbursement basis only.
I was sick and spent one night in supposedly hospital. I had the insurance with carnival but had to pay next day on my sail and sign then got my money back several months later. What happens if you can't afford the doctor bill but have carnival insurance ..what happens then.
R.a.t.t.y , if you buy the same type policy yourself through a third Party, it’s a little cheaper than going through the cruise line. He is talking about the full coverage type. If you go through the third party and buy a less comprehensive policy, it will be much cheaper.
If you buy the insurance with the cruise line, do you need separate insurance for the flight? Say a snowstorm delays your flight, they lose all your luggage etc? I actually plan to fly in a day early to avoid any crazy stuff but you know things happen. The cruise line insurance seemed VERY expensive too, so perhaps external insurance is better?
![Credit Card Travel Insurance Explained [PLUS How To File Claims & Get PAID]](/img/n.gif)
Thanks for breaking this down. A few other things to consider:
1. Many credit cards, especially travel-oriented ones, provide trip insurance. Mine covers trip cancellation/interruption (for specified reasons) as well as a nominal amount for medical, if you charged any part of the cost of the trip on that card. Benefits vary, of course, so check the card terms.
2. Check with the health insurance you already have to see if, and to what degree, it will cover you abroad. Mine provides the same coverage abroad that it does at home, but I'd probably need to pay up front and get reimbursed.
3. Consider medical evacuation. Even if your health insurance covers this, it's likely (1) only if medically necessary, and (2) only to the nearest suitable hospital. Some travel insurance will cover evacuation to a hospital of your choice, which would be much nicer. Expect to pay more for this benefit.
Give SafetyWing Travel Insurance A Try It Is Rated A AAA+ Insurance By Customers.
Still keeping you in prayers for your health, Don. Thank you for this video.
Even though I love NCL, I had a terrible time with the insurance I bought through them. I had to cancel a trip 2 days before departure due to a family emergency. Never be fooled by the phrase “for any reason”.
Always get it. It's sort of expensive, but with my luck I'll never need it, but if I don't buy it, for sure I'll need it. I buy the Platinum plan through Princess.
I just discovered your videos and really appreciate all the helpful information. I am so sorry to hear about your battle with cancer. Wishing you a speedy and complete recovery.
thank you and welcome. It's a battle I intend to win :)
Great, great tip on including travel days in the days of the trip! The real main drivers in cost is age and cost of the trip, not days. I used to never buy insurance picking to self insure. However, I now think the single most important reason to buy insurance is in case the very worst happened overseas on a trip. A friend needed a medical evacuation from Aruba a couple years ago, about 30k. So I take the rest along with it, not much more.
I travel so much I buy my travel insurance for the whole year and save a bit that way
How much does that cost? We usually cruise 4-5 times a year and have a couple weeks in Aruba. Would that be cost effective for us? Do you set a set limit per trip/week?
there are limits of how many days in a row you can be gone and total months but I think it's like 60 days in a row and 6 months of the year. If I'm traveling more than 3 weeks it's cheaper to look into the year insurance. every insurance company offers something like that
Great info, thanks! Would fit well with my travel pattern, will check it out.
Good video, Don. I took care of a patient once who had NO travel ins on her cruise and she had to get air lifted off the ship to an ICU on an island hospital. Once she was stable she was flown to the US and to our hospital. She said she would NEVER go without ins again!! (well duh!!) :-).....BTW, excellent advice about adding the extra ins coverage for the beginning and the end of your trip!
thank you I think it just makes sence
Thank heaven for medical coverage! My husband got seriously ill and we had to debark in Ketchikan and then be flown to Bellingham, WA., then 10 days in hospital. It was much less of a nightmare because we had good coverage.
I love your channel. So many good helpful information and stories. I will keep you in my prayers. If you don't mind. Tfs...✌💛😎
Hi Don can you do a update vlog on travel insurance, thanks
I always get travel insurance but only recently as I get older. Since if you get sick or hurt overseas it can be costly and usually they want money before treatment. Had a friend who got shot ( accidently they werent shooting at him) he would have had to pay for air evacuation ( about $42000) instead it was covered.
In US many co offer a pre existing condition waiver depending on when you buy the travel insurance.
which companies do you recommend ?
0 Dislikes... this video is so innocent. Thanks for the advice Don!
What a beautiful background
it is peaceful
I love to go cruising and this really helps clarify all of the insurance options. Thank you for this.
Godspeed getting healed up brother. Thanks for the info.🙂
Excellent advice
I will definitely modify my cancellation/medical insurance policy
My cruise is on the 06th of March 2019. Can’t wait.
Hi, Don. Can an independent travel agent not employed by the cruise line (you?) get me the travel insurance only, or would I need to book the entire cruise with that agent? I'm already booked for the cruise but haven't purchased my travel insurance yet.
Be sure to read the small print on the policy! I think the most common risks you'd want covered would be (1) Missing the cruise because of airline delays, re-routing, lost suitcases, etc. and (2) major illness just before departure time (eg, appendicitis 2 days before the cruise sails.)
3 years ago Celebrity offered me generic insurance that cost 10% of the cruise price. It covered only the time between embarkation and disembarkation. That meant no coverage for cancellation due to flight delays, etc. And no coverage for cancellation due to major illnesses prior to the cruise.
Usually cruise company insurance covers flights that THEY book as part of the cruise package. Cruise company air travel presents its own constellation of risks and frustrations.
Be careful about exclusions for "pre-existing illnesses". I know of instances in which, for example, the insurance refused to cover a broken leg after a fall, because the individual was taking a medication that "may cause dizziness", so the broken leg was surely a complication of her pre-existing illness.
Pray your doing awesome today after all treatments and surgerys Sir... God bless.
it's worth getting that's for sure I save $4000 during Irma
whewww right
What was tour story on that? I have booked a trip to st Thomas in the peak of hurricane season. I need to know what to do
Good luck with the big C, sir and thamk you for taking the time to make the video. I have a Capital One Venture card and it says it has 'travel insurance' but I don't know if I should get the insurance through Royal Caribbean. First cruise, so I don't know what I should do. I do have regular health insurance
i'm glad you're feeling good Don
thanks Halsey :)
We were going out of charleston S.C with 2 other couples Hurricane Florence came ashore the weekend we were sail. We had all taken the insurance that Carnival offered. Weall received money for port charges and such from Carnival and at we got all our money back. Recommend the insuarnce they offer.
The add on for before and after is a good idea
Bug bites??? You never told me there would be bugs on a cruise! LOL 🤣🤣🤣
I notice that you did not mention anything about plane fare. Some cruise line insurance policies cover plane fare if you book the fare through the cruise line only. For example, Viking Cruise Line does not cover plane fare if you purchase it own our own you have to get it through Viking.
I don't understand not getting travel insurance
I don't either
When me and my husband went on our cruise years ago we didn't have it. He cut his finger and when we got back to the ship they wanted over $20 for a bandaid. They told him he had to buy the whole box and he argued with them. Finally they gave him a bandaid for free. They're stingy on cruise ships. I don't know if insurance would cover a bandaid but next time we go I'm gonna just bring my own first aid kit.
Michelle Lee That's a must you suppose to carry a Frist aid kit.
1st aid kit is a good idea :)
It was a learning experience. Now I do carry one with me when I travel
Michelle Lee . The doctor is a profiting center contractor.
That's nothing to argue about. people get upset about everything nowadays!
Beautiful background Don. Thanks for this important information.
Wishing you a wonderful cruise and a successful surgery. I look forward to all of your vlogs.
Hmmmm, I dunno ... these travel insurance thingy ... I am wondering whether I now have logged into this fear of "just in case something bad happens". The thought of buying travel insurance had never entering my mind up until this upcoming June cruise I've been planning (since July 2017) when I started finding out that there is this thing call "travel insurance".
I mean, I had traveled much in my last 30 years or so, both domestically and aboard (ie, Paris, Costa Rica, Puerto Rico, Bermuda, a RCCL cruise over a decade ago), had never purchased any travel insurance, and nothing ever happened, and my travels all were completed smoothly without a glitch.
Great information and love your backdrop with the full moon.
I purchased trip insurance through my travel agent and then hurricane Maria took out almost every islands we were traveling too including our beginning port San Juan. Royal Caribbean was telling us the trip was still on although the airport was closed and we had no way to get there. We were dismayed to say the least. We called our travel insurance company and they said, sorry, nothing we can do. The hurricane didn’t happen during your cruise. Seriously? $400 down the drain for full coverage trip insurance. Fortunately our hotel reimbursed us because they were closed due to extensive damage, we called Delta and they kindly reimbursed us and Royal finally cancelled the cruise about 20 hours prior to it. Up until that point they were telling us to just fly in the day of the cruise. Seriously? Now I’m distrustful of cruise insurance. What if it’s another scam and I really need it? They all talk a good game but when push comes to shove they come up with excuses why your not covered. I thought buying through my travel agent I could trust it now I’m weary of them all.
Travel Guard Insurance is virtually impossible to use. Even if you read the policy you will not know the volume of documentation required for coverage. It a complete waste of money, you will never be covered. For instance in the policy it states that you need a letter from your doctor advising you not to travel by air to get coverage for a cancelled trip. Upon apply for coverage refund you will find addition documentation required that would take your doctor an hour to fill out completely. I doubt any doctor would be willing to fill out the required forms. Skip any product from Travel Guard.
I have noticed that carnival doesnt cover very much..it has very low medical coverage..
i hope your surgery went well and you are doing well xo
Once again, very good advice...Blessings to you Don!
Great advice. Hope you have a great Panama cruise. I'm doing a princess Alaska cruise tour so could you tell me if their insurance covers everything?
question ..lets say i buy trip cancellation insurance which I would ...lets say I book a trip 6 months in advance ..by the time the trip arrives its cancled due to oh im guessing hurricanes or whatever ...what actually happens ? full refund or do i just get to pick another trip
if it's canceled because of hurricanes or something like that and the ship does not sail then they will either offer you a refund and a credit for another cruise. if you cancel it for a reason then it depends on the coverage you got and what % is covered.
thanks
Good tips, Don. You're awesome!!
Sorry to disagree with you, but I think that organising travel insurance through your cruise line is the last thing you should do. You could end up paying double, or even treble the amount that an identical cover would cost online. In Europe it is often cheaper to buy an annual policy rather than paying for two individual cruises. Another advantage is that if you book, for example, a cruise on NCL, and then another on MSC, you will probably have to sort out two entirely different policies. An annual policy will automatically pick up all your booked trips, so if you book a cruise today, for July 2019, you will be covered if you fall seriously ill tomorrow, so long as the insurance does not expire before the end of the cruise. I worked in travel insurance for years. A lot of the premium goes in preparing paperwork, payments to agents or brokers and investigating some of the claims. Only a relatively small percentage is used to pay claims.
If you have got lots of money, but little time to waste, then fine, get insurance through the cruise line. On the other hand, I would prefer to save $80 by spending an hour researching and then making sure that I am scrupulously honest filling in the application. In my personal opinion, it is more likely that someone will get a claim denied because of the unlucky person having a pre-existing medical condition if someone else filled the application form in for them. Finally , only use insurers whom you recognise.
Don, I was wondering since you're Canadian. Does the Canadian government healthcare cover you when you travel? I was wondering since socialized healthcare is such a contraversary in the USA.
I purchased trip insurance when I booked my Caribbean trip to Sint Maarten. Glad I did since Hurricane Irma wiped out the Island and I could afford to cancel everything and I went to Florida instead (which still had hurricane damage but not as much)! Hey Don, does your insurance cover damaged electronics from stupid lady passengers??? Hope you have/had a great time on the Princess ship anyway (booze does help)!!
If my US travel agent has opened up a ‘group’, then go with group coverage. Cost of insurance goes up as you get older.
You did another posting where you listed various types of insurance where it was on the left hand side of the screen and you said get the one cancel for any reason which video was that?
I’m pulling for you Don! Btw, I had full coverage including pre-existing conditions. My question is about material damage. My brand new suitcase was damaged on the arrival flight. I complained to airport baggage department, who gave me a large plastic bag with instructions to mail it to luggage repair after I return home. Is it feasible to get a quicker resolution by reporting this to the travel agent first?
WoW Thanks Don I need to change my insurance
my brother and I are going on the NCL Pearl for 7 days and our insurance was only $28 each, so how is that more expensive?
it does also guy but the cost of the cruise when you buy through the cruise line.
Its more expensive because you got absolutely nothing out of it, yet you spent $28 more than someone, say, like, me.
Don is the cruise guru!
Praying for you
a must have
yes
I am ambivalent about travel insurance. My travel agent just adds it, but I have a credit card that has the same sort of travel insurance. I had occasion to make a claim, as some idiot nicked my ipad. Wellllll.. since it wasn't bought within the last 90 days, too bad. The travel insurance would pay me a tad over $200 USD. But Americans can use European medical for emergencies without cost. They will NOT fly you back, so..be forewarned. So, I think it's all about the total cost of your trip as you say and what extensive coverage you want. It's not cheap. I paid three hundred Euros for mine. Like your cruise videos. Very entertaining.
I love that background video.
Thanks for the info! You should take Immunocal...it's from Canada
My travel insurance policy, which is probably similar to most, does not cover most/any otherwise included insurance expenses related to a pandemic. The corona virus was declared a pandemic on March 11, 2020. Therefore, people travelling with those policies may be out of luck for coverage for trip cancellation/interruption/delay. Unless a refund or credit is issued by the insurance company, the result is that people paid their money for little benefit. Plus, what about those who had their trips cancelled by the cruise company? Shouldn't they get their money back automatically? So far, I haven't!
Don I enjoy your videos, I wish you the Best..
It’s a piece of mind for us. Rather safe than sorry.
you should hear an insurance agent try and explain this stuff
lol I have
I love the moon behind you
How do you feel about annual insurance for frequent travelers Don?
i would like to get full coverage for cancelling my cruise, even if i cancel for no real reason at all. i'm a senior, and i might just not feel up to it. would it be better to get the Princess Vacation Protection - Platinum Plan or another plan from another source? the Princess Vacation Protection - Platinum Plan web page says it will provide a 100% credit for a future cruise if cancelled for a reason other than for illness, injury, or death. i don't really want to spend a lot of time researching this. Maybe I should use a travel agent instead of trying to do this myself. How can i find a good travel agent in the San Jose CA area?
What would you recommend? I am going to st Thomas middle of September. We are spending a week there and we are flying. Flights and stay is around 2,000. What insurance would you recommend
Thanks, great information!!!
Hi Don! So glad I found your channel (and subscribed!).
I'm a bit confused about the travel insurance. I got it on each of my previous 4 cruises through the cruise line with no issue. However, after booking & paying for my 5th, I had a serious issue and needed to cancel. Aon put me through hell and had every excuse not to refund my money. They wanted vast medical documents from my Dad (he's the reason I cancelled) so finally I said never mind. Instead, I booked a different trip for a few months later and Carnival refunded all but my deposit so I could then pay for the new trip. I am now not comfortable getting the travel insurance since it seems to be a rip off. 😢 Any advice?
Insurance is a minefield, but bear in mind they have to have all docs to prove your case as so many people try to rip them off. If you have to cancel, you must do it while you are in that cancellation penalty period, if you hold off cancelling, and you fall into a higher penalty period, insurance will not pay that extra. You must read the policy. All terms are in it. Beware of pre existing conditions. Good luck. In Canada the cruise lines insurance is very minimal, I never buy that. I usually buy from my bank, and compare to CAA.
good advice
thank you
Don's Family Vacations yayayayay, I'll with you on that so excited about my 14 day's cruise in January too. Just counting my days too.
Don's Family Vacations I look into other insurance, and they were higher than the cruise. Also write the name of the insurance companies you meant in this video.
Beautiful background!
wow love your back ground.
Hi Don... Thanks..👍👍👍
Hi Don, what's a good medical insurance provider for Europe (Spain, France and Italy). We are going on a cruise. My wife is required to get at least 30k Euro of insurance. I'm thinking of getting it for the whole family of 4.
scams out there have to be careful - 69 and 65 years old here over 70+ cruises and traveling the country europe and the world - i think about it but never take it - we once went on a 28 day cruise in 2017 to northern europe and 12 days prior my husband had a double hernia that failed to heal - the prostrate fell into the euretha so he had to wear a bag connected to his bladder through his penis for that trip - we never needed to attend a medical professional while on the ship - i feel like whelp we have a great insurance policy and a credit card that i use that covers stuff - im on the fence on spending extra for that - - so far have never taken anything extra risky probably
What is the best medical travel insurance out you recommend? NCL travel insurance is out of my mind: www.ncl.com/freestyle-cruise/booksafe
the cancel for any reason is the best out there as you can just change your mind and you get your money back. that's why it cost more than other types of insurance. I would say medical is a must. then If you cruise is costing alot then I would say at least get trip interruption insurance.
I agree medical is a must. Do you have recommended insurance company? www.cruisecritic.com/articles.cfm?ID=274
Nice moon
it so is
Wonderful advice😊
thank you
Do you need medical coverage if you have personal health insurance already?
Depends on the health insurance you already have and where you go. I'm heading to South America soon, and my insurance company said they'll cover emergency medical, but on a reimbursement basis only.
I was sick and spent one night in supposedly hospital. I had the insurance with carnival but had to pay next day on my sail and sign then got my money back several months later. What happens if you can't afford the doctor bill but have carnival insurance ..what happens then.
I'm confused. The cruise line insurance costs "a little more" whereas independents are "much cheaper".
R.a.t.t.y , if you buy the same type policy yourself through a third Party, it’s a little cheaper than going through the cruise line. He is talking about the full coverage type. If you go through the third party and buy a less comprehensive policy, it will be much cheaper.
Don Iwant to go to Alaska with you help
Don, do you still live in New Scotland?
if you mean Canada then yes lol
more specifically Nova Scotia, I understand it means New Scotland in Latin.
No I was born there and have a lot of family still there but I am in Ontario now
Too much small print loopholes tricks...
oops. sorry. i'm just thinking out loud. disregard. my bad.
You would have to be nuts to not have insurance.
The Black Couple Jail In Mex Hospital For Med Exp😠
The Pre Med Condition 👌
If you buy the insurance with the cruise line, do you need separate insurance for the flight? Say a snowstorm delays your flight, they lose all your luggage etc? I actually plan to fly in a day early to avoid any crazy stuff but you know things happen. The cruise line insurance seemed VERY expensive too, so perhaps external insurance is better?
most cruise line insurance covers you for flight delays
never travel without it never
nope never
I found out that it’s hard to get travel insurance when you are getting treatment for cancer, it can be soul destroying