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Old 03-03-2010, 03:45 PM   #1 (permalink)
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Cruise Insurance

How important is cruise insurance????

I did not get the Disney cruise insurance when I booked my cruise and when I recently paid it off it slipped my mind about adding it on. So I know I would have to go elsewhere.

Do most of you get the cruise insurance?? Do you feel it is worth the money?

We are traveling at the beginning of July, driving down the day before not flying. I know there is always the possiblity of "anything can happen." Just wondering if this was another expense I really should do. After paying off the cruise and getting passports my money is much tighter. Thanks!!
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Old 03-03-2010, 05:57 PM   #2 (permalink)
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Insurance is only "worth the money" when you have to make a claim.

Note that at this point, the insurance won't cover pre-existing conditions.

What might you want to cover? Travel delays that cause you to miss the boat. Circumstances beyond your control that require you to cancel or abandon the cruise (unexpected illness, death in the family, etc.). The cost of medical treatment when out of the country, and medical evacuation from the ship and/or back home, and extra costs from caring for someone when they're hospitalized outside the country (hotel and airfare for a companion, etc.)

Since you're driving, maybe you don't have to worry so much about missing the ship (folks who fly and may have delayed/cancelled flights need this coverage more). Since pre-existing conditions won't be covered, or if everyone in your party is young and healthy, some of the other medical-related coverage may not be as useful.

So, it's not really a clear-cut case under your circumstances.
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Old 03-04-2010, 06:24 AM   #3 (permalink)
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There are other companies that offer trip insurance including "Cancel Any Time" insurance. These are often a better deal than Disney but as Dave mentioned, none of them would cover existing conditions at this point. Check out Travel Insurance - InsureMyTrip.com to compare coverages from some companies. The company I use most often is AccessAmerica.com - Travel Insurance for Leisure and Business Travel.

Having been on a trip where someone was injured unexpectedly causing a delay in our return home, flight change fees, extar hotel nights, etc I will never travel without insurance again!
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Old 03-04-2010, 10:12 AM   #4 (permalink)
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Quote:
Originally Posted by Dave Marx View Post
Insurance is only "worth the money" when you have to make a claim.
I agree with this for the most part. I usually never get trip insurance however I did when we booked our cruise because I felt the money that I invested in the trip was worth it for me. We did not use Disney as our supplier mainly because we were doing other things than the cruise for this trip and I wanted it all covered. We used Access America and paid approximately $110 total for the policy that covered everything that I wanted. I felt that the extra money was "pennies" compared to the few thousand that I was spending on the entire trip. Shop around and determine for yourself if it is worth it or not.

Quote:
Originally Posted by Dave Marx View Post
Since you're driving, maybe you don't have to worry so much about missing the ship (folks who fly and may have delayed/cancelled flights need this coverage more).
The only thing I would be worried about here is a car accident or car trouble along the way causing a delay.
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Old 03-04-2010, 07:13 PM   #5 (permalink)
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Thanks everyone, I'll do some checking and than go from there!
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Old 03-05-2010, 09:58 AM   #6 (permalink)
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I awlays buy insurance. I just want the piece of mind to know that we'll be covered "just in case".
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Old 03-05-2010, 03:25 PM   #7 (permalink)
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Driving isn't typically covered (check the policy) for things like delays. Most policies only cover "common carrier" transportation (but check the policy).

If anyone in your party is under Medicare, insurance is a "peace of mind" measure, since Medicare won't cover you outside of the US. If your medical policy won't cover you outside of the US, again consider it. But if you are worried because of some pre-existing condition, like everyone has pointed out, it's too late.

But check the policy. Oh yeah, and ...
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