Travel Insurance
- Thread starter Jean F
- Start date
I recommend that you look at the "Trip Insurance Store". They are a small privately owned insurance reseller. They only sell companies that they have vetted and can answer any questions that you may have. All their insurance policies include COVID coverage the same as any other illness and you want to make sure that any company you choose do cover COVID.
COVID, IMO, is not the problem it use to be, but it still is hanging around and would cause major issues if you get sick onboard. (Norwalk virus is a bigger problem now IMO.) This past January my DW and me were on the "Celebrity Beyond" and both came down with COVID very soon after arriving home (my DW in less than 12 hours, me about 24 hours after her); so soon that it had to been caught on the ship. Luckily we were home by the time we got sick (minor symptoms) so did not affect our travel at all. If it had been a 10-14 day cruise, instead of 7, we would have had problems that would have likely caused insurable events.
COVID, IMO, is not the problem it use to be, but it still is hanging around and would cause major issues if you get sick onboard. (Norwalk virus is a bigger problem now IMO.) This past January my DW and me were on the "Celebrity Beyond" and both came down with COVID very soon after arriving home (my DW in less than 12 hours, me about 24 hours after her); so soon that it had to been caught on the ship. Luckily we were home by the time we got sick (minor symptoms) so did not affect our travel at all. If it had been a 10-14 day cruise, instead of 7, we would have had problems that would have likely caused insurable events.
Just a reminder that it might be helpful to add your country of residence as C@ddict members are international. From this Canadian’s perspective, you are lucky to be under 65 for at least two considerations from your profile: 1) you may have insurance on your credit card which is good up to 21 days, but only 4 days on most for over 65 so check reviews and the details if you need to add anything to be fully covered for medical, trip interruption and cancellation. From what I’ve read, you may be better off with a fresh start with a solid travel insurance company like a bank’s, Allianz, Manulife (we got a Costco discount) and 2) watch out for pre-existing conditions if you need to pay extra to protect yourself (over 65 is a 9 month (!) preexisting clause!)
If you plan to take more than two trips outside your home province/country in a year, consider an annual plan which can save you lots and no worries for a year unlimited travel as long as you don’t go over the holiday length you choose (ie a week each time or 10 days or a month etc)
Sptrout is correct about Covid and similar viruses onboard. Many posted, including me and my husband, that they had a terrible cough, throat and fatigue, some with proven Covid, immediately after disembarking from our June Alaskan cruise.
Have a great worryfree trip!
If you plan to take more than two trips outside your home province/country in a year, consider an annual plan which can save you lots and no worries for a year unlimited travel as long as you don’t go over the holiday length you choose (ie a week each time or 10 days or a month etc)
Sptrout is correct about Covid and similar viruses onboard. Many posted, including me and my husband, that they had a terrible cough, throat and fatigue, some with proven Covid, immediately after disembarking from our June Alaskan cruise.
Have a great worryfree trip!
Seamom has some great suggestions. Reading her post reminded me of one other insurance option that we carry all year and that is MedJet. Medjet's primary purpose is to pay for medical transport from one medical facility to a similar one near your home. The obvious feature is if you are in a hospital in a foreign country and want to be transferred to a medical hospital near your home. However, it can also be used in your home country if you are 150+ from home and you need medical transfer back home. To use a local (to me) example; say I was in Dallas and was in the hospital for some reason and I wanted to be transferred back to a hospital near Houston. Dallas to Houston is more than 150 mile so MedJet would pay for a medical transfer like this. The only real catch is that they only pay for transport from one medical facility (hospital, rehab, etc.) to an equal facility back home; not just back to your actual home/house. If you can travel without medical assistance you are on your own and they are not needed.
We buy their annual policy for the 150 mile rule which covers the entire world including the USA.
We buy their annual policy for the 150 mile rule which covers the entire world including the USA.
Premier Air Medical Transport and Travel Protection | Medjet
Medjet is the premiere global air medical transport and travel security membership program for individuals, families, groups and corporations. Starting at $99.
medjetassist.com
SpaceCowboy9
Waiter
I'm not a fan of Travel Insurance. We've gotten it twice, once we got a discount on it during covid and the other we were traveling with my 95 year old mother-in-law, her health can be a wild card. We are in good health and, for the most part, don't have things that come up in our lives that would require a change in plans. I like the idea of self insurance. As we get older and random health events begin to occur, we may reevaluate.
"SpaceCowboy9", you are a brave person not buying travel insurance. Without it, you are wide open to huge financial risks. Medical evacuation off a cruise ship alone can cost a staggering amount, not to mention the hospital costs when they get you there. I have used travel insurance once and it totally covered a considerable cost liability when we had to cancel an Alaskan cruise just a couple weeks before departure. Some how my back when out for an unknow reason (still a problem 12 years later) that left me on the floor at home for months. I do not remember the total potential loss, but probably around $10k. No problem getting all our money back from the insurance company.
No one knows what kind of problem is around the corner. However, like any insurance, if a person/family can handle the potential financial risks then insurance is not needed, except when legally required (auto for example).
No one knows what kind of problem is around the corner. However, like any insurance, if a person/family can handle the potential financial risks then insurance is not needed, except when legally required (auto for example).
Not a fan of buying insurance either but you don’t plan or expect to use it. I know our beloved member Maw who left us last year would tell you that she wished she’d bought it when she broke her ankle boarding a tender years ago and had to go home early. Cost her thousands. Or if you asked the ones who slipped and fell on the ships we’ve been on and had to be airlifted mid cruise. It’s a gamble that i suppose you have saved for, especially at 95 when balance can be an issue.
(Edited to add that I don’t know the details but more recently, I’ve heard of claiming for missed ports or early returns of ships with trip cancellation/ interruption…. I’d never considered the actual cruise being insured, just the events such as if your rented car or bus broke down or flight was delayed (too often) and you missed the ship.)
"Janflute" My opinion on the need for travel insurance stays the same, needed for all travel, unless the financial risks for a specific trip can be easily covered by the traveler. I do not see a difference in insurance needs rather by land, by sea, or by river. The financial loss can be substantial in all cases even a short land trip from home.
In all cases I recommend and annual Air Medical Transport Insurance from "Medjet". https://medjetassist.com/
Medjet covers the costs of transport from a medical facility to your home hospital/rehab hospital from anywhere in the world to as short as only 150 miles from home. Most never consider covering short trips from from home when considering medical relocation costs, but even short medical transportation costs can be a kick in the wallet. For international relocation costs it can be breath taking. IMO, an annual policy is well worth the costs. Note that they only cover relocation costs from a distant (150 miles +) hospital/rehab to a similar facility back home (not hospital to your actual home). If you can safely use commercial travel; airlines for example, then there is no need for their assistance.
As for travel insurance we use the "Trip Insurance Store" https://tripinsurancestore.com/
The TIS is a small privately owned trip insurance reseller that vets all their recommended coverage plans and companies. COVID coverage is included in all policies and is considered no different than any other medical problem. Do not let the simple input webpage fool you, they are are a full service company that will answer any questions that you may have. Check them out. There are other travel insurance resellers so it come down to who do you trust to be available to help incase of any emergencies.
We have not had any travel emergencies yet, but I feel comfortable with recommending both Medjet & the Trip Insurance store.
In all cases I recommend and annual Air Medical Transport Insurance from "Medjet". https://medjetassist.com/
Medjet covers the costs of transport from a medical facility to your home hospital/rehab hospital from anywhere in the world to as short as only 150 miles from home. Most never consider covering short trips from from home when considering medical relocation costs, but even short medical transportation costs can be a kick in the wallet. For international relocation costs it can be breath taking. IMO, an annual policy is well worth the costs. Note that they only cover relocation costs from a distant (150 miles +) hospital/rehab to a similar facility back home (not hospital to your actual home). If you can safely use commercial travel; airlines for example, then there is no need for their assistance.
As for travel insurance we use the "Trip Insurance Store" https://tripinsurancestore.com/
The TIS is a small privately owned trip insurance reseller that vets all their recommended coverage plans and companies. COVID coverage is included in all policies and is considered no different than any other medical problem. Do not let the simple input webpage fool you, they are are a full service company that will answer any questions that you may have. Check them out. There are other travel insurance resellers so it come down to who do you trust to be available to help incase of any emergencies.
We have not had any travel emergencies yet, but I feel comfortable with recommending both Medjet & the Trip Insurance store.
EvelynMarie
Deck Crew
our go to is SafeTrip by UnitedHealthcare. They have different plans depending on what you need and cover medical and travel - even lost bags - https://www.uhcsafetrip.com/ highly recommend and it is super easy to get a quote for the time period that you need to be covered.