⭐𝗤𝗨𝗘𝗦𝗧𝗜𝗢𝗡: 𝗪𝗵𝗮𝘁 𝘁𝗶𝗽𝘀 𝗼𝗿 𝗿𝗲𝗰𝗼𝗺𝗺𝗲𝗻𝗱𝗮𝘁𝗶𝗼𝗻𝘀 𝘄𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝗳𝗼𝗿 𝗰𝗿𝘂𝗶𝘀𝗲 𝘁𝗿𝗮𝘃𝗲𝗹 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲? 𝗪𝗵𝗮𝘁 𝗽𝗿𝗼𝘃𝗶𝗱𝗲𝗿 𝗱𝗼 𝘆𝗼𝘂 𝘁𝘆𝗽𝗶𝗰𝗮𝗹𝗹𝘆 𝘂𝘀𝗲? Note: Link for a free travel insurance quote is in the video description.
Cruise line because I figured they could help without having to call some hotline to get the participating people they use. We also buy flights through the cruise line so they will cover delays and cancellations. However I might check out a yearly policy because of your video. We cruise 3-4 times per year.
We have an annual Allianz Travel Policy that covers our entire trip....we cruise enough that we save enough NOT buying cruise company policies to take a free cruise. All Our claims have been cleared and paid within 7 -10 days. We have Medjet for worldwide medical transfers back home.
I did to but want to look at policy closer. My TA recommended Allianz which is why I went with them for my first yearly as I have six cruises booked this year.
We did alliance a couple years ago...the had problems with BBB. I took a really long time to get our money for a really basic straight forward claim. They asked us to resend the documents several times and then had a 2 week review process...maybe they changed since then. I had to divert my return flight to seattle take both my parents back home in CA from our trip in Jamaica. I ended up travel with them after they both ended up in wheel chairs.
We have used an annual policy from Allianz for the last several years. With that, there's no worry about pre-existing conditions. In the few cases where we had to submit a claim, the reimbursement appeared in our checking account in five days or less. Great service!
I should have mentioned that we also have Emergency Assistance Plus for medical emergency coverage. In an emergency requiring transportation back home, they will provide any medical transportation necessary, including Air Ambulance. They also will provide a nurse to accompany us on the journey if medically required.
We have a yearly policy, Allianz! We do between 8 to 10 cruises a year, so the yearly one was much cheaper. We are covered for everything and anything related to travel!
Hi Mercy! How are you my Friend? Yeah, the Allianz annual plan is a great option. I may do a video on annual plans (i.e. when they would make sense for someone, what is involved, what to look for, etc.). Appreciate you so much!
@@TheTravelScouts When I last looked at annual insurance it covered only medical -- not baggage, trip interruption, etc. Are there annual policies that cover everything as do the by-the-trip policies?
Sorry not quite the same topic but close. I got the Insurance from Cruise ship NCL and had my flights cancelled and non existent flights and missed embarkation then had to get a flight to Mexico CIty ,( slept on a bench)to then get a flight to Costa Maya then get on ship 3 days late. not to mention my baggage was 4 days late. Basically the Insurance CO is doing its job by making me jump through hoops to get any reimbursement. I will Never pay it again !! Will just buy my own !
I would like to share with everyone that even if you purchase "cancel for any reason" addition, AND your reason is covered, you will likely NEVER receive a 100% refund. Insurance policies simply dont offer it. The most I've ever seen is 75% refunded, which stinks because it's so expensive to begin with!
What sarahpugh6700 says is usually correct. But some policies are odd. Viking’s policy pays 100% for cancel for any reason, but you likely get travel credits, not cash. To Viking’s credit, the cancel for any reason is part of their standard policy, not a costly upgrade.
I am a seasoned cruiser. I purchase the insurance every time. One never knows what will happen. You review was awesome and very informative and I learned some things that I was not aware of. Have had to use my insurance only once and that was for damaged luggage. Had a medical situation arise on my last cruise and needed medical attention on board. Fortunately I have a great supplemental insurance in addition to my MEDICARE and my supplemental plan reimbursed me 100%. Thanks, Jason for that great review. Don H Ocala Fl.
We predominantly sail with Princess they have 2 levels of trip insurance we get upgraded to the higher level due to our Captains Circle Status, I have not gone over it word for word but the main thing is if you have to be Medivacked back to the States, by the way Jason I really love your channel and always look forward to your videos I actually hit the like button as soo as it opens because I know I'm going to like the content keep up the fabulous work you both do. God Bless.
We were on a 34-day Europe Cruise the last 5 days I got sick with covid. I took the medicine paclovid which was free here in America, at the time, but it cost $750 on the ship. I thought for sure I wasn't going to get reimbursed but I turned it in the claim and the paperwork and to my surprise I was reimbursed. We use Allianz travel insurance and I found them easy to work with. Informative video
I purchase Allianz’s Yearly travel insurance coverage. It should be noted that there is a limit to how much the insurer will pay per year regardless of how many covered events occur within that year.
This was really helpful. We've never purchased insurance for about 14 cruises so far, but we are getting older, and traveling greater distances, so might soon start purchasing it.
Hi June! I am glad the information was helpful. We did not purchase insurance for a long time either. Then we began looking at the prices and it wasn't too bad. We started weighing the risk-rewards and decided we needed to start getting it for most of our travel. Thank you so much for your kind words!
Wow!!! 😱 This video gives us a lot to think about 🤔 I have used the cruise line insurance and last cruise I used “Travel Insured International”. I’m about to checkout the link you provided for a free quote for upcoming Dec cruise to Jamaica area 🛳️🛳️
Hi Belinda! Thank you so much for your kind comment. Hope you have a great cruise in December! We will be sailing with Royal Caribbean in December (Voyager of the Seas). Have a great day!
We get an annual policy with Allianz - we travel enough that getting individual trip coverage would be more expensive. I also have the Chase Sapphire Reserve card that I put the entire vacation on - so what one doesn't cover the other will.
We use an annual Allianz and, if kids/grandkids join us, we get trip-specific plans with Allianz. They’ve been very good to work with when we’ve needed to file a claim.
Great information we said. This is so complicated in you have pre existing. So many insurance companies do no want to pay. Pay when you book to be covered in most cases and I mean pay for the insurance not just order it because there may be a long period from booking date to payment date. Anything that happens in that period creates pre existing condition and not covered
For those who are unaware, GREAT Information sir. Always have Medical and Evacuation insurance. Many times common carriers will not allow a patient on. You will need an evacuation via a speciality company. Costing 6 figure's. Again Great Information! Thank You!
I like to book cruises shortly after they are announced to get the best price. The problem is that it is usually just over 2 years away. Typically, there are no travel insurance policies available if your cruise is over 2 years away. So by the time you can buy the policy, the 14 day time period for the per-existing condition waiver has already passed. Just doesn't seem fair.
Hi Eric! Thanks for commenting. You have a good approach to getting good prices on cruises. Booking early is generally cheaper in the current market. Plus, you always have the opportunity to do price matching if a price does happen to go down. Regarding travel insurance: It may be worth looking at an annual policy. That is the approach we went with. That could help to offset the valid concern that you bring up. Hope that helps! Have a great day!
Cancel for any reason never covers 100% of the cost, at least non of the policies I have seen. Also, usually if your trip is $10,000, it will have airfare, hotels, cruise, excursions, etc. The airlines I fly in USA, for “non-refundable” flights you are given a credit to be used within one year and in case of death of the passenger, I got a true refund for my father-in-law’s airfare when I wrote customer care and provided a copy of his death certificate for flight I had purchased for him. So insurance would not cover airfare expenses, since I got a refund.
I usually by trip insurance through the cruise line. Your video on this subject makes me aware of the way the insurance really works. It's good to know that Medicare (in the US) does not cover international health events.
Some Medicare advantage plans DO cover international emergencies. I ended up with a $2900 medical bill on Ruby Princess and my BCBS Blue Advantage policy covered 100% of it. Had to pay upfront, but got reimbursed.
We purchased a policy with Emergancy Assistance Plus through Southwest Rapid Rewards, a Chase visa card. The policy sounds very good for us. We have never used it.
Just to add, this is a policy that will take care of the hospital, all expenses and flights home, with a nurse if needed. ( a family policy, so they will take care of your spouse also). Even a private flight, anywhere on earth. This is not trip insurance, cancelation, or interruptions insurance. Something we added as we have gotten older. Shit happens, you know!😮😮
I booked two cruises and then thought a yearly policy would be cheaper than single policies through the cruise line. I read the yearly policy before paying and discovered that the yearly policy had to be purchased before booking travel. But, if you already have a yearly policy and the renewal date is after you booked travel, the rule does not apply. So glad I read the policy.
I'm almost 60 and have never had to cancel a vacation or had one disrupted for covered reasons. I don't see the need for travel insurance. With The amount of money you spend on insurance, save it and invest in quality stocks or just save in your account currently earning hopefully close to or at 5%. Maybe if I cruised during hurricane season I might consider it but why would I ever cruise during hurricane season? I wouldn't! I sold insurance for years and I do have renters insurance and auto of course, but if for some reason my vacation gets screwed , which (knock on wood) has never happened then I am willing to take the loss. Save your money and invest in a quality insurance company instead, as they rack in billions annually. Each year coverage gets less and premiums go up. WTF!
Wow, Jason! Some eye-opening stuff here! Thank you! Definitely going to save this off for future reference. We generally book with the cruise line, but may reconsider that in the future.
Along with having good travel insurance. If you know you want to be cremated when the time comes. You can go to a company it’s called Neptune. Pay for your cremation upfront at 2024 prices. When the time comes no matter where in the world it happens. Your loved one just calls Neptune. And they will take care of everything else at no additional charge to your loved ones. i’m sure there are probably other companies that do the same thing. Read the fine print.
I ended up getting travel insurance through Allianz. They're pretty good with reimbursement as long as you provide the required documentation that they ask for. I've gotten refunded for event tickets in the past due to an unexpected death in my family. I just sent in the DC & blacked out all PII that they didn't ask for. I got a refund within 7-10 days of submitting the required documents.
We bought through Princess last year. The insurance company is AON. Glad we had it because my mom broke her leg in the airport and we never made it on our mother daughter cruise, but they were not easy to work with. 5 months before we ever saw any money back. 😱
I had insurance through Carnival two years ago before I was then diagnosed with breast cancer. I got a TERRIBLE runaround even though my oncologist filled out all the required paperwork. I had everything they asked for-credit card bill, itinerary, etc. They kept stalling and stalling. They asked multiple times for things I had already submitted. I had friends who had a similar experience. So what company are y’all using that pays so well so quickly?? This was NOT my experience.
Great video. I've used World Nomads for the last couple of cruises. Thank God I've never had to use any of the travel insurances over the many many years of exploring the world!
Just had to use our travel insurance in January. 1st time in 32 cruises. Was reimbursed for everything out of pocket and all the med evac flights were paid in full. Never saw bill for for them. Insurance directly threw the cruise line.
Hi Darleen! I am so sorry you had a situation where the insurance was needed, but I am so glad to hear that it came through for you! Great news! Hope all is well!
Very informative, we are traveling overseas on B2B cruise and purchased travel insurance and additional riders. Going to review again to ensure coverage is adequate. Thank you so much!
What is often left off of these discussions is do you really need travel insurance? For the majority of us the answer is "No". Princess charging 9% / 12% for 1 trip is way overpriced for a less than 1% chance of something happening and using the insurance. When travelling more frequently and/or you have some real concerns an annual insurance plan through Allianz or something is a far better value than a single trip plan.
I've had 3 situations where when needed refunding. We've used Allianz once and NCL's AON twice and so far have never had a problem with refunds as long as we had the proper documentation. It's true there are time delays due to the documentations but they were working with us.
Annual policy with AIG and Geoblue medical extension. Had a claim recently and it was paid in 2 weeks. I also have had two travel agents go broke on me and travel insurance does not cover that. Sad. I may get some money back because I used my Chase Sapphire Preserve - but it hasn’t been determined yet if they will refund the money because the agency is in financial trouble.
Great video Jason. There is a lot to consider when purchasing travel insurance. However I am not sure that I want to. I would be the person whose claim was denied on a technicality.
I don't purchase it because 1) Credit cards, medical insurance, amex platinum emergency evacuation provides some overlapping benefits, which reduces the value 2) Certain parts of a cruise is already refundable like taxes/fees/gratuities, which can be a significant portion of the cost. 3) I simply refuse to spend a massive amount of money on a cruise in the first place, so I can take the loss.
Best option for most folks is no travel insurance. Every trip we take our travel agent prices it out for us for some reason and and it is always a high premium for a low risk item only good for the 1 trip. Annual plan sounds interesting but we only take 1 trip far from home each year at the moment.
Thank you so much for the info. I am totally intimidated by travel insurance for some reason. I always end up with the cruise line knowing it most likely will not cover all if needed. I also worry about my husband as he’s almost 75 with health issues. Med Evac is always on my mind & scares me as I know we could never afford for an evac nor a hospital out of the country.
We have the NCL credit card & booked everything on that Mastercard. I’m going to call tomorrow to see if they cover anything cuz I spent $3500 for cruise to Bermuda in October & didn’t even think about insurance 😬. Thanks for the great video and much needed information, really appreciated 🤍
That is great. I have heard good things about Go Insurance. My family was planning to move to Australia when I was a young boy. I was so excited! It fell through though.... One day I hope to visit. Probably by cruise ship. :) Thanks for commenting!
@@TheTravelScouts if you come by ship or intend to cruise from Australia go to Sydney. It’s one of the world’s prettiest harbours, whee as Brisbane is next to a sewerage treatment plant. It’s just gross.
I used tripinsurance store as NY residents cannot get insurance through Carnival which was surprising for me. Truthfully since this was my first time purchasing and the tripinsurance store had good reviews, I went with them. After seeing your video, im definitely going to read that policy again
This video has popped up in my feed a few times and I was blowing it off as I already buy an annual policy…but I decided to watch it finally. GREAT video that I wished I seen before buying. I lucked out and went with Allianz and now feel really good about my choice but it was dumb luck. Never again will I skip one of your videos because I think it may not apply to me.
Why can't you insure just part of the amount of your "Trip" for cancellation and interruption (i.e., the amount you don't want to lose, or think you can't afford to lose, even if you're willing to eat some losses in the unlikely event something bad happens?)Why does it have to be a choice between buying no insurance at all, or paying a huge amount to insure 100% for cancellation and 150% for interruption? When you buy car insurance, you can get either minimum liability coverage (cheap) or a million in coverage (not cheap), if you are negligent, someone sues you, and you have assets to lose? What happened to the couple that insured for $10,000 and then got 0 because the "Trip" was 10,074 and they were required to insure for the full amount is just crazy.
I have an annual Allianz this year. Have never needed to file a claim but have seen too many people getting caught without it and what happens. I buy just in case of medical emergency. They do have a cap on claims per year, but if that ever happens, will probably either buy another one or stop traveling outside US.
Thanks for the great video! My COVID claim was rejected by Nationwide because they said that I wasn't officially "sick" with COVID until a doctor said so, i.e., the date on the doctor's letter. I suspect this would apply to any illness. So important to read the fine print.
QUESTION PLEASE: if you have 3 people in your family and 1 of you need to be medically evacuated, what happens to the other family members? Is the sick person going to be left alone to go through something like this ?
I bought insurance through MSC for our upcoming cruise this month. Neither MSC or Generali can give me a policy number. Msc says I'm covered, but Generali said that my policy was for January of this year which is when I booked the insurance. MSC messed up but won't refund my money.
I have used only Allianz, I have never needed to use it though so I can't say if they are good or not. The main item that I look for is medical evacuation.
Hi Diana! Yeah, Allianz is a favorite for many cruisers. I generally hear great things regarding them and our own experience with their has been good as well. Thanks for commenting!
Jason thanks for all layers of ins. I originally got line coverage, then compared to 2 other ins company when i learned on Gary's you tube. I chose Insuremytrip since they offer many companies &compare quotes +coverage! Now your video taught me more. I definitely will reply a few times! + good comments from your viewers 😊
You need to be very careful believing Credit card travel insurance is the way to go. Most won’t cover you above a broken toe nail and will deny your claim. If you do two or more trips a year consider annual and read the policy. For example I have annual and I’m going to Nepal in Sept. although as I say I have annual. I’m only covered to 4000mts. Therefore I have to purchase another insurance that will cover me to 6000mts and will evacuate me by helicopter from a remote area. Insurance is a business….not a charity.
I love your guys' style for Cruise News and all your videos. You focus on delivering value to your subscribers, and you don’t add a lot of fluff. Your content is 100% nutritional with no filler. @@TheTravelScouts the recipe is good. Keep cooking. 🚀
Since we are traveling to Alaska, our regular medical insurance will cover us as we are United States citizens. Also, evacuation coverage is probably not as necessary since there are US hospitals available. Does that sound reasonable? So I am less interested in the medical coverage and more interested in missing our ship either on the first debarkation day or at a Port of call. Does anyone have any recommendations as to what coverage will cover this? Trip delay seems like very low coverage, trip interruption does not seem to necessarily apply. Missed connection seems to be what would apply? Can anyone recommend Travel Insurance that is specific to cruising with regard to missing the ship???
@@howardosden3112 I buy an annual policy for about $575. Covers you for any trip over 100 miles from home. Each trip maximum is $3K think. If you go over it, just buy another policy for the next 12 months. Medical is in the policy too. I’m in WA so it may be different for different states.
Always a good idea! We have one cruise scheduled next year, and did get insurance thru the cruise line, but if we end up scheduling more than that one, I'll probably cancel and get the annual policy.
I’m curious how Allianz is compared to like Carnival insurance when it comes to actually filing a claim. Which has been more successful, covered better, and has good, responsive customer service. Thanks!
As Jason mentioned, the cruise line coverage typically covers cruise line expenses and exceptions. It may or may not cover missed airline connections or other issues not related directly to the cruise. Allianz process claims promptly and reimburses quickly (for me, never more than five days later).
How would it work if your cruise was free and you only paid gov’t taxes and fees. We got one of those casino voucher for a free cruise so I wondered how they would evaluate how much to reimburse you if travel is canceled.
I chose the provider based on my destination and likely air evac costs. The last I looked at yearly it coverage was lower than my what my cruise costs. Side note, we had an incident on a shore excursion where the med center required a check up at the ER. Neither the cruise escort nor us knew who was paying that bill. Turned out we never got the bill. I wonder if that is normal?
We usually buy trip insurance with Allianz for each trip. I recently found out that they have yearly plans. Jason, I would love more information about these yearly policies if you can find out more. Thank you! By the way, I didn't see any videos about your Regent cruise. Did I miss them??
Hi Lori! How are you my Friend? Yeah, Allianz is great. And, an annual plan is not a bad option. We recently took that plunge. I will definitely look at doing a video on that (covering when an annual plan would make sense for someone, what is involved, what to look for, etc.). Regarding Regent: We had SUCH a great time! You did not miss the video. We still need to get them edited and published. Life has been busy. Ha! Hopefully soon!
Hey Jason. It would be great to do a video on the yearly insurance. I'm so glad you had a great time on your Regent cruise. I can't wait to see the videos! Take care. 😊
If I purchase the cruise insurance what does it cover. When I purchased it they told me that it will cover medical in the ship and any changes from the cruise. But if there is a better insurance please let me know. I will be a first time cruiser.
I've read that cancelation travel insurance does not cover the cost of your cruise if you booked using a cruise credit rather than cash/credit card. Has anyone encountered that?
Maybe a dumb question but.... do you include the cost of your air travel (first class travel exceeds $10,000 and adds a signifiant amount to the premium) in the quote for trip insurance? If the trip is delayed or cancelled, the airline would refund and/or get you home or credit you for future travel, so I'm thinking to EXCLUDEthe cost of the airline ticket. Thoughts?
If I have cruise insurance through the cruise line and I get sick or injured and only require minor treatment on board the ship by the ships staff, will I still have to pay the full bill before I disembark or would the cruise lines insurance discount or eliminate the charges immediately? I’m worried about a huge bill before I get off the ship and before I can process a claim.
