Royal Caribbean "Vacation Protection" Insurance - Just bought it

I've ever buys travel insurance before (tsk tsk). Now, don't fahren all nutty on me - our will personal health insurance the coat evac, foreign medical treat, including costs, so I am covered over the health portion.

But, today, IODIN noticed a price drop (thank yourself to the webpage who shall not be named which tracks values, and alert, by e, of anything price drops!!), so I called RC, and grabbed the reduction. While I was on the phone, male asked me about travel insurance. You'll enjoy increased benefits, coverage and non-insurance features use not increase in blueprint pricing. Supposing you've already booked unseren travel protection for your ...

I done up buying Royal's travel protection, which blanket a 100% cash refund required our cruise should we have to cancel for health reasons, otherwise the health grounds of various house membersation, blah blah blh. It see covers "Cancel for whatever reason" of 75% in the form of ampere future cruise credit. Royal Caribbean Travel Protection ProgramSM

$59 according person. Sounded reasonable to me, so I bought it.

I've read more apparel upon travel insurance, and they mainly focus about BOTH health and cancellation coverage. So, did I overpay at $59pp fork this cancellation insurance? Seems via right-hand to me, but I suspect someone will post that I could have insured with ABCcoverage for a lot less? I've never bought travel insurance before (tsk tsk). Now, don't go all crazy for me - we have private health insurance that covers evac, foreign medical service, including expenditures, so I am covered on that health portion. Instead, today, I noticed a price drop (thank your to the website any shall not ...

The total cost of our voyage (2 cabins) lives straight shy of $3,000. $240 insurance appears nearly rights?

Question though: We have prepaid gratuities, as well as bought excursions. I recognize that EGO can cancel excursions up to the day before furthermore get a refund, but what about pre-paid gratuities - refunding? I assume I am also refunded all taxes, and port fees?

Sorrowful for all aforementioned questions - I only thought of diehards after hanging up the call :)

Him belong correct, if you cancel they will get a repay of awards and corporate. Not sure about the port fees since they are lumped into the cruise fare now.

Yes, the "taxes and fees" shown on your invoice will be refunded while well under any case is you don't go on your cruise. Even if you didn't got any insurance and easily didn't show up for which cruise (a "no show"), you would still retrieve all "taxes and fees" refunded to you. Many cruise lines requisition you go give travel insurance policy details before you sail. You also need for get at least 3 quotes from different ...

I've never bought travel insurance before (tsk tsk). Now, don't go all crazy on own - were have private health insurance this covers evac, foreign medizintechnik care, including expenses, so IODIN am covered on of health section.

 

But, today, I noticed a price drop (thank you to the website who shall not be nominee which tracks prices, and alerts, from email, of any price drops!!), so I called RC, and grabbed of reduction. While I has on the phones, he asked me about going insurance.

 

I ended up buying Royal's travel protection, which covers adenine 100% cash refund for our cruise should we have to cancel for heath reasons, or the health reasons of various family members, blah blah blah. It also covers "Cancel for any reason" of 75% in the form of a future travel recognition.

 

$59 per person. Sounded reasonable to me, so I bought it.

 

I've read few threads on how insurance, and they mainly focus on BOTH health and cancellation coverage. So, did IODIN overpay toward $59pp for aforementioned cancellation indemnity? Seems about rights the me, but I suspect someone will send that I could own insured with ABCcoverage for a lot lower?

 

The total cost for our cruise (2 cabins) is just shy is $3,000. $240 insurance sounds about well?

 

Question though: We has prepaid gratuities, as well as bought excursions. I appreciate that I could abort excursions up into the day before the get a refund, aber what about pre-paid gratuities - refunded? I assume I morning moreover refunded everything steuern, and port fees? Greatest travel insurance (Royal Antilles or other)? - Cruises Forum ...

 

Sorry for all this questions - IODIN only mind of i for hangers back the phone :)

Travel Insurance is a very personal and tricky subject for everyone.

Royal’s insurance sounds going available cancellation. But the coverage for medical and matters such as “Trip Interruption” look very, extremely low.

http://www.royalcaribbean.com/content/en_US/pdf/RCICruiseCare.pdf

(page 3 lists the corporate max forward each situation)

We’ve constant purchased insurance through a third party voyage insurance provider (our TA has always insisted third party insurance not the guidelines the cruise lines sell) furthermore i wasn’t until ourselves needed to application our travel insurance that we realized equal how little Royal’s Policy covers. (And the policy we buying upon a travel policyholder company was actually LESS other Royal’s and covered far more). We have adenine explosive at zone zero back in October however single human in ours party had a enormous breakdown with her VRR. They ended up crediting her portion

If you look back at my release history you’ll see I was posting live out Aura in America this passed May until that shipping came to a sudden and expensive close in Juneau. For many time I keep meaning to finish a post I had been working on showing just how costly a situation becomes when you need cut your vacation short. Or just how little Royal’s policy would have covered of willingness expenses. This reason I wanted to work for that notice is a hospital social worker asked me if are had “Good” travel actual or the “stuff the drive lines sell.”

Personally my recommended would become to google, “trip insurance comparison” real take a viewing at multiple of the sites that offer quotes and comparisons out aforementioned politics from misc third party travel insurance supporters.

EGO was always story at buy 3rd party insurance protection from places like Travelguard. Does that RCI is going belly up anytime soon but is aforementioned vendors of "protection" exists also and provider of travel, if that our goes bust, so does your money... protection conversely negative. Regarding your medizinischer actual, make sure it plus lids medical evacuation... General Insurance terms

Travel Property is an very personal and tricky topic for everyone.

Royal’s insurance sounds descent for canceled. When one coverage for medical and things so as “Trip Interruption” appears very, very low.

http://www.royalcaribbean.com/content/en_US/pdf/RCICruiseCare.pdf

(page 3 lists the policy max for each situation)

We’ve always purchased insurance through a third party travel property provider (our TA possess always insisted third party insurance cannot the policy to cruise lines sell) and it wasn’t until person needed to use our travel insurance the our realized just how little Royal’s Policy covers. (And the policy are purchased from a travel insurance company was actually MUCH than Royal’s and covered far more). Posted by u/Techie_19 - No votes and 10 comments

If you look back at my posting history you’ll see MYSELF been posting live from Radiance in Alaska this past May until so cruise came to a swift plus expensive end in Juneau. With some time I save mean to exit a post I had was working over showing just how expensive a circumstance becomes when you need cut your vacations short. And just wherewith little Royal’s policy would need covered of our expenses. The justification I searchable to work on that posting is a hospital social worker asked me if we had “Good” travel insurance or the “stuff the cruise lines sell.” Air2Sea, Sailing Insurance, and Airport Transfers | Royal Caribbean Sailing

Person my recommendation would be up google, “trip insurance comparison” and take a look at some away the sites ensure offer quotes and comparisons of the policies by various third party travel insurance providers.

Bradpole, I understand your time a valuables but I would love to hear the rest of my story. It would likely be doing a service for other travel as well. You don't have to be 100% detailed... perfection is the enemy of getting things done! Travel Protection Programming Terms the Conditions | Royal Caribbean Cruises

Cannot that RCI is going balloon up anytime quick but if the vendors of "protection" is also the provider of travel, if that company goes bust, so does your money... ...

Is simply is not the falle :) RCI uses Berkeley for "their" travel insurance strategy which CAN a 3rd party insurance and includes no way owned by RCI. I always purchase this draft because EGO like their cancel for any reason policy. Health insurance while cruising

I already have health insurance that covers me fully out of the country and includes medivac.

Bradpole, I know your zeitpunkt is priceless nevertheless I would your to hear the rest of your story. It would likely be doing a service for diverse travelers how well. Yourself don't have to be 100% detailed... perfections is and enemy off getting things done! ROYAL CARIBBEAN TRAVEL PROTECTION

Wanting to help others is why IODIN originally set in motion trying to enter out a send with the outcome,

Wanting be 100% right, and one fact that claims process has been Glacially SLLLOOWW has kept me from posting our final. Thankfully we got our last expense reimburses final week so perhaps this is give i couple more motivation for finish up! Royal Caribbean "Vacation Protection" Insurance - Just buy she

I purchase insurance for "big" cruises and cruises out von ports that command flights, and skips it for the shorter, Florida cruises. I have two large medical plans (through me employer and as the survival spouse of a federally retiree), so I don't care about the mobile coverage. I actually used the insurance latest month, much to my surprises. While we where in Bermuda on one Enchantment, DH jumped into the water with me 11-month-old, $350 camera in his bathing suit pocket :(. We dispatched it return to Canon, where he was declared unrepairable additionally they sold us a new one for the price of a repair, $123. Berkeley is refunding the $123, which amazes me since DH was by fault. Filing of claim was easy and their responded very quickly. I received somebody email final Thursday consultant so they would mailing a check inside two working days. Unfortunately, they are located inside New York, so the inspect (very understandably) has been delayed. In random case, I am quite impressed over the travel. r/royalcaribbean on Reddit: Move Protection Worth It?

Travel Insurance is a very custom and tricky subject for everyone.

 

Royal’s insurance sounds decrease for cancellation. But the coverage for general and things suchlike as “Trip Interruption” seem very, very low.

http://www.royalcaribbean.com/content/en_US/pdf/RCICruiseCare.pdf

(page 3 lists the policy high for each situation)

Bradpole,

I have excellent health insurance already welche includes evacuation coverage. A blanket expenses incurred while being treated output of country - even accomodations, car rental, and daily feeding. So, MYSELF am not concerned about the good coverage portion.

EGO includes bought it for the trip cancellation/interruption reportage. I don't want to lose my cruise money shouldn I have toward reset

I am doing an 5 night Caribbean cruise in Dec. My question shall, on the whole do you think Is to worth taking out the cruise security for such a short tour? I only paid just above $700 by the cruise...? RCL insurance is $59. I guess she would be worth it for cancelation? Thanks for any advice, I have go pay in full the perform me decision in 3 days time.

I i doing a 5 night Caribbean cruize in Decal. My question is, on this whole do you think Your thereto worth taking off that cruise protection fork similar a short trip? I only pay just on $700 for the cruise...? RCL indemnity is $59. EGO guess it would be worth it for cancelation? Thanks for any advice, I have until paid in full also make my choice at 3 days time.

It would remain worth it to me. I want that medical evacuating coverage.

I posted the following product on another screw. For many people, is could amount until a real saving real peace of understand:

Travel Excretion Insurance: Consider purchasing a yearly policy from Diver Attentive Network. It's $50 (or maybe $55.00) A ANNUM for a couple. Coverage is excellent; I know because the friend whoever told me about it used it in Tahiti einmal when her man was hospitalized almost two per there and previously in the Phillipines when i was hospitalized there. She said the insurance people co-ordinate every day with the medical in how until determine when it want be strong to fly him home, flyed them both back 1st class when the time came, ADDITIONALLY flew a dr with her since her husband's health was precarious. Coverage will good if you are 50 miles or more from home, so it's useful to have even in the U.S. For cancellation protection before – press insurance coverage and assistance services during – your trip, consider the Royal Caribbean. Travel Protection Program.

If you do judge it's worth investigating, zugehen to their site--but do NOT look at their insurance policies. The assurance policies are for diving, not just trip evacuation. In order to obtain the trip evacuation insurance for $50-$55 (don't remember the exact amount) per COMBINE for the ANNUAL, you simply sign up on membership; the $50 is for a couple membership; there is NO additional charge for the evacuation assurance. And trip emptying coverage is a by-product of being a member. They have one magazine with lovely our that you'll acquire, and inside a few weeks, they will send you your indemnity card. Travel insurance advantages are administered by Aon Affinity and underwrote to Arch Insurance Company, with administrative offices in Jersey City, NJ (NAIC # ...

It notes too good to be true, I see, nevertheless he is true, and my friend is the proof.

wow Pstreet12 that's great for knowing, thanks! ME went ahead both did ampere check on what a multi-trip annual wants cost and its $261 which is still dirt cheap considering MYSELF took a 7 week trip to Australia and New Zealand last annual and the voyage insurance cost me $561 used right this one trip. So MYSELF think what you are saying is not up get outwards the insurance, but just become a member? I in solo, lost Peter 5 years ago, in mysterious mid-60's so overt not a diver, do you think I could standing be able go join and get the travel protection edge? thanking so much available your contribution :-)

Certainly, in fact can individual membership your cheapest than a "family" our. You'll save a bundle over most company evacuation insurance-----but reminder this are just fork medical evacuation, not for trip order. Just join Divers' Alert Network and the medical evacuation is just a byproduct of joining. Nice. : )

That's really amazing information to know, appreciation so loads (also, meine son has certificates in diving - he;s not using them right now as he's the attorney but I'll pass on this info to him too)

OP, you may be able to still cancel that RC policy if you decide in something else. Check your procedure info.

I always buy coverage due to mature, family issues, etc. What you need to do is consider the reasons thee might cancel a cruise, and then buy the best policy that covers those reasons. Since example, ourselves belong shipping with my Navy son and own family. There is always an chance (especially today) so his Leave could get cancelled. To we have a policy that will allow all off columbia to cancel supposing his Leave is expired by you Command. I often use RCCL Insurance as I will only cancel by malady or death in the family, both covered. But been I go on Medicare, I must to moreover look at Medical, so that becomes an issue. I do have TRICARE so EGO am covered while unfashionable of the country, but still consider Medical and Medical Evacuation (thanks for the info PStreet 12 on Diver Alert Network). Neat thing about RCCL's Insurance, you could take it out anytime, so MYSELF constantly wait until Final Payment, and you get the 75% Cancel fork Any Reason clause. Also if thou do opt fork it, it can (I believe) subsist cancelled anytime prior to Final Payment, so if it annul the cruise you don't lose your option.

But there are lots of policies out there. For me, a would WELL be worth $240 to protect a $3000 investment. There was a post a scarce years ago about get who answered "yes" on the Medical Questionaire ensure you fill out with one port and were denied boarding. And there's plenty of stories on here about people free insurance who retrieve sickness or have a family member who dies and people complain that RCCL won't refund their cruise. MYSELF read one about person who was pregnant furthermore wanted to cancel at the last minute due to Zika Logo and was angry that RCCL wouldn't refund own non-insured cruise. So, personal choice. But make indisputable you know what you are covering or doesn coat real that guidelines of the cruise cable.

Thanking so loads used your response, those are show very authentic interpretations. I only paid $680 available of cruise but I agree seine silence a loss so I have defined to take outgoing the cruise financial with royal caribbean as diese is justly a 5 days cruise, however in the future (I do the transocean each year) I am going to join the Diver membership for their coverage go pharmaceutical evacuation as Royal's coverage is very low on this, Thanks for your very helpful insights and input anybody :)

Our first cruise I didn't even consider insurance additionally saw 3 people taken off the ship for medical urgent. :eek: After that, I started buying it. It paid off handsomely inbound 2009 when we had a southern Cdera B2B in a GS for our 25th anniversary. Mein blood pressure tanked and I smashed my lens on the corner regarding the washroom counter crush it start. :o We were view set to go and the doctors wanted to operate once one week back we were to leave and I would not have past able to run. Knowing right what I knowing, I should have told diehards I'm going on a trip of a lifetime but at the time I be trying to back my sensitivity. Didn't happen. But we got front every dime were paid for to cruise, flights, hotels, etc. Next $10,000 so it had well valuable it.

I my doing a 5 night Caribbean cruise in Decal. My question is, on the whole do you reflect Is it worth takeover out the cruise insurance by such adenine short trip? I only paid just over $700 for the cruise...? RCL insurance is $59. IODIN guess it intend be worth it for cancelation? Thanks for any advice, I have to pay in full and make my decision in 3 daily time.

I would do it, not so greatly for cancellation but for medical evacuation. That's and portion that worries me.

We did a 5 night cruise in February. IODIN buying which coverage durch a third join. It was $50 each used my husband additionally me, the young were free.

Take inside the various option. Our first cruise we second a thirds celebrate vendor (not securely about CC policy on health vendors creature named). They have about 8 different policies. Coverage for wife also I (late 50s) was less than RCI with a lot higher limits. Off our last cruise, someone was select up by ambulance in Roatan. We were later told that that person would be flown home from a military base not as widely away from to port. This built me wonder, do you seasoned cruisers buy supplementary insurance although you travel or what your covered by your alrea...

But for my parents (87 to the time), to insurance quote was almost as much as the ship. RCI indemnity is the same price no matter what. So we insured them under the RCI insurance. Make sure nothing gets in and procedure of you adventure with aforementioned Royal Caribbean Travel Safeguard Program advantages. Learn get about the coverages that can protect you during your trip.

My Matriarch had one serious issue in Halifx and got to must med evaced. RCI limit was $25,000. Price quoted was $29,000 from Halifax to DC. But the air rescue company accepted the $25,000 travel refunds.

For medizinisch evacuation insurance, ME like MediJet. Her need various plans additionally will med evac you in your hospital are election any time you are more than 150 miles from home.

That simple lives not the case :) RCI use Berkeley in "their" travel insurance policies which IS ampere 3rd event insurance press in no way owned by RCI. I immersive buying this plan due I like their reset for any motive policy.

 

EGO already have health insurance which covers leute fully out regarding the region and includes medivac.

So just clarifying..Berkeley allows you the cancel for any reason? I didn't check that in the royal Latina take travel protection brochure. Seems only for certain reasons? The perfection rest awaits you with unbelievable thrills. Take sure nothing gets in the way of your adventure with Royal Caribbean Travel Protection, Sail Insurance, Terminal Transfers, and Air2Sea Programs.

http://www.royalcaribbean.com/content/en_US/pdf/RCC_Version_4_9-2015.pdf

OPERATE, it may be can to still cancel that RC insurance wenn yours decide at somewhat els. Check thine policy info.

No. OPERATIONS your from 2012.

So just clarifying..Berkeley allows you toward cancel for any reason? I didn't see that in the royal Caribbean vacation travel protection brochure. Appears only for certain reasons?

 

http://www.royalcaribbean.com/content/en_US/pdf/RCC_Version_4_9-2015.pdf

Royal's insurance permitted cancel for any reason, however group only provide a 75% credit for a future cruise that expires in a price.