Question:
I put a down payment on a cruise for February. Full payment is due in November. Can I still get full coverage for this trip? Do you offer yearly plans also?- Paula,08/15/2023
Answer:
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 70 days per trip with most plans. Our multi-trip medical plans provide both medical and medical evacuation coverage. The comprehensive policies have to be purchased on a per trip basis.
Question:
I am going on a cruise in October. I have separately booked two connecting rooms, one for my wife and one child and one for myself and another child. (Royal Caribbean would not let me book two minor children alone in a room.) Can I buy insurance for all 4 of us on the same policy at the same time even though there are two different booking numbers?- John,08/05/2023
Answer:
Yes, you can all be listed on the same policy together as long as you live in the same state and travel on the same dates. You are not required to be booked in the same room or have the same booking number to be able to be listed together on a policy.
Question:
Have just booked a cruise within the United States and have Medicare. Is there insurance that covers cruise and air without medical?- Richard,08/03/2023
Answer:
Unfortunately, we do not have policies that just include trip cancellation coverage. We have comprehensive policies that include these benefits. These plans provide coverage for Trip Cancellation, Trip interruption, Baggage loss, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and some also offer coverage for Accidental Death. The medical coverage would essentially act as secondary to whatever your existing insurance will not cover you for, up to the policy limit.
Question:
We will be doing a 12 day British Isle cruise staying in London for several days before and then flying to Munich to stay after.....do I need separate trip insurance for the cruise or can both cruise and land be covered together?- Linda,02/03/2023
Answer:
You can cover your entire trip away from home with one policy. You are not required to obtain separate policies for each segment of your trip. Please fill out the quote form on our home page, www.insuremytrip.com with your trip details to obtain a quote. If you are interested in trip cancellation and other travel protection benefits, please click on the “Comprehensive” filter on the left when you arrive on the results page. If you like, you can also call us at 800 487 4722 and any customer care representative will be happy to assist you with finding a policy over the telephone.
Question:
My wife has a preexisting. If she were to become ill a week before the cruise date and we have to cancel is there any insurance that would reimburse partial or cost of the trip?- Randall H,08/23/2022
Answer:
Most Comprehensive Plans will offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy within 10 - 21 days of making your first trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy. Please fill out the quote form on our home page, www.insuremytrip.com with your trip details to obtain a quote. If you are interested in trip cancellation and other travel protection benefits, please click on the “Comprehensive” button on the left when you arrive on the results page, then the pre-existing conditions waiver filter below that. If you like, you can also call us at 800 487 4722 and any customer care representative will be happy to assist you with finding a policy over the telephone.
Question:
We have 5 cruises booked for 2022, Is there a yearly plan we can purchase?- SusanE,12/16/2021
Answer:
We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 70 days per trip with most plans. To obtain a quote, please fill out the quote form with your very first trip's details and once you arrive on the results page, please click on the button labeled “medical” on the bottom left and view our plans that are labeled “multi trip". Our multi-trip medical plans provide both medical and medical evacuation coverage. If you were interested in trip cancellation and other travel protection benefits, that coverage has to be purchased on a per trip basis.
Question:
I had to rebook canceled cruises. Will my coverage switch dates automatically or should I report each to you?- Janet,05/21/2020
Answer:
The dates on your policy will not change automatically. You will need to contact our Customer Care department at 800-487-4722 with the updated information (please have your email address, order and/or policy number available so that we can find your information in our system). We will contact the insurance company to make sure the updates are made on their end as well.
Question:
My wife and I have an Iceland cruise booked on Seabourn for July 2021. We made a deposit of $8,500 (refundable until 120 days before sailing), and the total trip cost for both of us is about $40,000 for the penthouse suite. If history holds true, that cost will adjust downward to $30,000 six to eight month before the cruise. Is there a way to just insure our deposit now (especially for financial default of Carnival Seabourn), and then increase the amount to cover the entire cruise once the fare adjusts to its final pricing? I don't want to pay a premium that covers more than we anticipate paying for the cruise, and I especially don't want to pay such a high premium for a cruise that we might cancel depending on Covid conditions 120 days out. Thanks.- DavidH,04/30/2020
Answer:
Yes, with most plans you can insure the cost of your deposit now and then insure subsequent payments as you make them. Some plans do have time sensitive benefits, such as a pre-existing condition waiver and/or optional Cancel For Any Reason protection, that (among other eligibility requirements) require you to insure your trip within 10-21 days after making your first payment or deposit. If you are reviewing plans that have time sensitive benefits, it is important to read the full policy details as they will list all eligibility requirements. As you make future payments toward your trip, it is important to then insure that additional amount right away, within 10-21 days after making that payment, so that you don't risk becoming ineligible for any time sensitive benefits that may be on your plan. When talking about coverage for COVID-19, and potentially having to cancel your trip because you don't feel comfortable traveling, you would want to look at a plan that offers optional Cancel For Any Reason protection. Standard comprehensive travel insurance plans don't cover fear of travel. There are some eligibility requirements for Cancel For Any Reason protection, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days after making your initial trip payment (and insuring subsequent payments within 10-21 days after making them), and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company. If you are looking at different plans and have questions, please call our Customer Care department at 800-487-4722 to speak with a licensed travel insurance representative.
Question:
Is Airfare covered if you have to cancel for a covered reason?- StephanieL,04/10/2020
Answer:
If you included your airfare in your total insured trip cost and it is prepaid and non-refundable, it may be covered if you are cancelling your trip due to a covered reason. The travel insurance company providing coverage will make all final determinations as to what is or is not covered at the time of a claim.
Question:
Can I cancel my cruise and get a refund if my doctor writes a note saying I am not medically approved for travel? Too ill to travel? Also, can my companion that was scheduled to travel with me be included in the refund?- LisaH,03/10/2020
Answer:
The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. Trip Cancellation reimburses 100%.
Question:
What if the cruise ships is going to multiple places? What do I put for the destination?- JaylaS,03/09/2020
Answer:
Please enter the first international port of arrival as your destination. For instance, if you're boarding your cruise in Florida and your first port is Nassau, Bahamas, you will want to enter the Bahamas as your destination.
Question:
We have booked an Alaskan Cruise in July. The flight to Vancouver arrives the night before the ship leaves. If the flight is cancelled or not available for some reason and we can not board on time, is our entire trip insured?- George S,03/08/2020
Answer:
If your concern is having to cancel or interrupt your trip on the day of departure or after you have started traveling, Comprehensive travel insurance plans typically have coverage if there is a complete cessation of services of your airline for a certain number of hours for a covered reason such as inclement weather, strike, or mechanical breakdown. Coverage differs by provider and by plan, so you want to read your policy which will list all covered reasons for cancelling your trip as well as any coverage exclusions. When insuring your trip, you would want to make sure that you are insuring all pre-paid non-refundable trip costs as well as from when you leave your home, until you plan to return home. Please note, as Coronavirus is now a known event and no longer considered unforeseen, flight cancellations due to this reason would not be covered on a standard comprehensive plan. It may be a good idea to check and see what types of cancellation policies your travel suppliers are offering in the event that flights/cruises are cancelled.
Question:
How long do I have to purchase insurance for my cruise? I already booked my cruise and paid my deposit. My cruise date is set for June 15th- JohnC,03/07/2020
Answer:
You can purchase most comprehensive insurance policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
Question:
Just put down a deposit on a cruise in March, 2020. The deposit is non-refundable. Is this covered through the Trip Insurance I am planning to purchase?- Lee,10/14/2019
Answer:
Yes, you can insure a non-refundable cruise deposit with all other prepaid non-refundable travel arrangements paid for prior to departure. Most providers will allow you to insure just the deposit now and once you make the final payment towards the trip prior to departure, you can update the amount you insured with your existing policy at that time.
Question:
We are booked on two consecutive cruises. Do I insure them separately or as one?- Mike,07/29/2019
Answer:
If you are not returning back to your home in between each cruise, this is viewed as a single trip and you would only need to obtain one policy to cover you from the time you leave home until the time your return back to your home. You can insure all prepaid non-refundable travel arrangements associated with both cruises.
Question:
Is there any insurance that would cover a cruise if I have to cancel due to the sickness or medical emergency of an elderly parent- LaTonyaJ,05/17/2019
Answer:
The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. This applies to all comprehensive policies and it extends to non-traveling Family Members. Trip Cancellation reimburses 100%.
Question:
We are taking two cruises this year. One in Feb for 21 days and one in Aug. for 30 days. Is there a way to insure for both at the same time or do we purchase two separate plans?- SallyG,01/03/2019
Answer:
If you are looking for comprehensive coverage such as Trip Cancellation and other travel protection benefits, you would need to purchase a separate policy for each trip. Comprehensive Plans are the most widely known form of coverage and are often called package plans. Typically, a Comprehensive Plan will offer a variety of benefits for travelers, covering a wide range of concerns. Most provide coverage for Trip Cancellation, Trip interruption, Baggage loss, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and Accidental Death.
Question:
When insuring my cruise vacation, should I include the hotel stays while traveling to and from the cruise? We typically drive to the ports.- JohnieD,11/15/2018
Answer:
As long as the hotel arrangements are prepaid and non-refundable prior to departure, you can insure the cost of these arrangements as well as the cost of the cruise.
Question:
If you have a non-refundable hotel booked, would it be covered by trip insurance?- Sheila,03/27/2018
Answer:
Yes, our comprehensive policies do cover prepaid non-refundable hotel arrangements.
Question:
Traveling on viking cruse in Germany next August 2018. When do I have to buy insurance?- justinaS,10/24/2017
Answer:
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-30 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
Question:
We've put a deposit for a cruise directly out of LA to the Mexican Rivera. So no airline travel. Is there a policy that covers us in the event one of our family members isn't able to make the trip at the last minute?- MaryP,10/07/2017
Answer:
The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. This applies to all of our comprehensive plans. As long as the cruise is prepaid and non-refundable, you can insure it.
Question:
What if the weather is bad where your leaving from like snow and the flight is cancelled what insurance do I need to get my cruise payment reimbursement- TeresaL,10/06/2017
Answer:
Our comprehensive policies provide Trip Cancellation and Trip Interruption coverage due to inclement weather. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.
Question:
Cruise booked but need insurance as I am flying to the cruise liner from Bulgaria,British Passport but now live in Bulgaria Can I get insurance that covers me for flight and cruise- Alan,06/15/2017
Answer:
Yes, as long as your travel arrangements are prepaid and non-refundable, you can insure them with any one of our comprehensive plans.
Question:
I'm going on a 30 day European holiday which includes an 8 day cruise. Do I need to get separate insurance for the county's I'm visiting and the cruise?- ElissaR,05/24/2017
Answer:
You can purchase one policy to cover your entire trip and you can insure all prepaid non-refundable travel arrangements, including the cruise. For the destination, we only ask to list the country where you are spending the most of your time, or you can list the country you fly to where the cruise begins.
Question:
If I purchase insurance for a cruise and I end up having to change the departure dates does the insurance follow me or do I have to cancel the insurance and then open it again?- EdwardC,05/13/2017
Answer:
If your travel dates change after the policy has been purchased, you can amend the existing policy with out having to purchase a new policy, as long as you contact us prior to the original listed departure date.
Question:
Am I covered if I am bumped off of an overbooked flight and then miss the cruise.- David,04/15/2017
Answer:
Generally, that is not something that is covered with travel insurance and the airlines are typically responsible for compensating any losses that may result from this type of incident.
Question:
My Neice WANTs TO BOOK A CRUISE, BUT her FATHER IS ON A LIST FOR HIP SURGERY IN CANADA. He is not taking the cruise, but she is a nurse and will have to take care of him. We don't know when the surgery will be as with the Canadian health system we have to wait for a call when space is available. Can she get a full refund for the cruise if this should happen the week of my cruise and I can't go.- Michelle,04/06/2017
Answer:
For this type of concern, you would need Cancel for Any Reason as this is considered foreseen. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
Question:
Cruise is paid for can we still buy travel insurance?- Mary,03/18/2017
Answer:
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-30 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
Question:
We are going on a 10 day cruise to Northern Europe with Regent cruise line. What type of insurance coverage do you recommend?- Saundra,02/25/2017
Answer:
Unfortunately, because we are a comparative website, we cannot recommend one company over the other. However, we can make a suggestion based on your travel needs. The easiest way to help you narrow the search is to call us at 800-487-4722 and we can help find the best plans for your particular concerns.
Question:
We are taking a cruise to Cuba but will only be there 1 1/2 days of a 5 day cruise. The starting port of Tampa would be considered the main port, correct? I have some health issues, if we had to cancel would our excursions off the ship be covered also? We get our excursions from a third party.- Jean,02/23/2017
Answer:
As long as the travel arrangements are prepaid and non-refundable, you can insure them. It does not matter where the arrangements were purchased.
Question:
We will be cruising in November but driving to the port .what's the best type of cruise insurance to purchase ? Also would they insurance have to have purchased at the time of the first payment .- jackieB,02/17/2017
Answer:
Any comprehensive plan will provide coverage for your upcoming cruise trip. We also have specific cruise policies through Nationwide which may be available depending on the cruise line you are cruising with. You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-30 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
Question:
We plan a 12 day cruise with stays in different ciites before and after the cruise. Is the land with flights and cruise covered based on total cost? Do any of your policiies include missed connection while on the cruise, e.g., in one port the bus or train we took to town has an accident and the boat sails without us. thank you- KarenH,02/17/2017
Answer:
Unfortunately, that is not something that is covered with travel insurance. Missed Connection benefits offer coverage in the event you miss a cruise or tour departure because of a common carrier delay resulting from inclement weather or other specified reasons.
Question:
Is having to go to university on "early admissions ' status a sustainable reason for cancelation/interruption under your coverage. University will not make admission decision until May, long after deadline for paying for cruise.- Marilynn,02/09/2017
Answer:
Unfortunately, this is not something that is covered with Trip Cancellation. We would recommend buying a policy that offers Cancel for Any Reason for that particular concern. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
Question:
Is there insurance to cover thefts or injuries on excursions not sponsored by the ship?- GarrieB,02/05/2017
Answer:
The baggage coverage that is included with our comprehensive plans offer coverage for lost, stolen, or damaged baggage. Please refer to the policy certificate for more specific details regarding baggage coverage.
Question:
I am booked on a river cruise from Vantage Travel from June 21 to July 6 flying from Washington D.C. to Amsterdam, boarding a riverboat and cruising down the Seine River through Germany, France, and Switzerland. Do you cover river cruises like this?- LettieH,01/27/2017
Answer:
Yes, as long as the cruise and your other travel arrangements are prepaid and non-refundable, you can obtain a comprehensive plan that includes Trip Cancellation to cover your upcoming trip. For the destination, please select the first destination on the cruise or the destination where you are spending the most of your time in.
Question:
I have made a deposit on a cruise but have not made the final payment. Do you know of a travel policy that covers pre-existing conditions under these circumstances?- RonaldW,01/20/2017
Answer:
We may have a policy that will offer a Pre-Existing Conditions Waiver as long as you still have a final cruise payment to make. This benefit is offered through Nationwide, but Nationwide only covers certain cruise lines.
Question:
If we buy a non-refundable airline ticket and are unable to make the trip. Will travel insurance cover the cost of the ticket as long as we include to ticket price in the amount of insurance we buy?- Jerryu,11/02/2016
Answer:
As long as the airline tickets are prepaid prior to departure and non-refundable, you can include this in your "Trip Cost" with all other prepaid non-refundable travel arrangements.
Question:
we are going on a 14 day cruise and want to know if insurance covers the possibility that we miss getting to the ship from an excursion. Will the incurance get us to the next port?- Barbara,03/19/2014
Answer:
No, if you just return to the ship late this would not be covered. Only in the event that a covered reason for trip interruption occurs and causes you to miss portions of the covered trip would there be coverage to get caught up.
Question:
Carnival cruise lines departing Tampa Fl. for 5 day cruise to Mexico and back to Tampa Fl. how much does Ins.cost for 2 people.? Is it recommended for a short cruise.?- CharlesG,03/08/2014
Answer:
We do recommend that you insure a trip anytime you have a risk of losing money. If your short cruise is not refundable then it is advisable to insure the amount of money you would lose in the event you have to cancel for a covered reason.
Question:
We made deposit on trip through a university continuing ed dept. At that time, nor for more than a week after deadline for deposits, did we know if the trip was a "go" with sufficient participants. When does the window expire to sign up for coverage including preexisting conditions?- Wayne,02/07/2014
Answer:
Once you make the initial booking/payment/deposit, you have 10-30 days to purchase a policy that will include the waiver of existing medical conditions.
Question:
If you arrange your own air using miles, what's the best way to protect yourself against fees for redepositing/changing? Cost of the trip is not in dollars, but miles and fees.- Melody,02/07/2014
Answer:
Airline miles are not generally considered an insurable cost. The fees and taxes you pay to use them can be insured for, and certain companies will also allow you to insure the cost of re-banking or re-depositing fees. There is also one company - Travel Insured - who will allow you to insure the value of the tickets, as long as the airline does NOT allow you to re-bank the miles.
Question:
When requesting a quote, does it matter if the trip starts in America but makes a stop in Mexico. Example, flying from Denver to LA. Then taking a cruise that stops in Mexico. Would I list Cont. United States or international when requesting a quote.- Scott,01/15/2014
Answer:
The destination is whichever country you will be spending the most time in during your trip. If you'll be visiting several destinations equally (or spending most of it on a cruise ship) then list the country where your trip begins. You will still be covered while traveling outside of the selected country, so long as you are not visiting a destination that is considered restricted. If a policy does consider certain destinations restricted, you can find this list in the terms and conditions section.