wanderlust7
DIS Veteran
- Joined
- Mar 10, 2015
Question about travel insurance: I've never purchased before but with a big cruise next year and our parents getting older, it seems like a good idea. I used insure my trip and found a policy I like. It asks for the total cost of the trip for the 6 of us that I'm insuring (cruise, excursions, airbnb) but then on the certificate, it divides it by 6 for a maximum benefit to each person. Since it's a cruise, our fares vary quite a bit - from 3rd and 4th person in a balcony at 75% off, to an inside cabin 3rd person, and then the main travelers in each cabin. That maximum per person number is about the cost of Passenger 1 and 2 in the balcony cruise fare only, while it's significantly more than the cost for all the others. Should I purchase insurance separately for the expensive fares passengers and then for the others? It just seems that if I cancel the trip, 2 people will only get back their cruise fare and lose all the excursions costs, etc., while the others would lose some of the value of their insured amount.
I'm sorry if I'm rambling, maybe I'm overthinking it, but thank you for any insight and sharing any experiences.
I came across this before. Link I think you're right, it can be an issue.
I always buy my parents' policy separately because I have different concerns for them (pre-existing conditions, medical coverage outside the US). It usually ends up being a different company than what we get. For my family of 4, I usually get one of the kids free policies. I should think more about this issue the next time I buy a policy for a cruise.
Are your excursions prepaid and nonrefundable? Cruise taxes are usually refundable, so I don't add those in. The insurance cost usually goes up per $500/person ($1001 is the same cost as $1500), so I always find the top of the bracket that contains the amount I need.