"Dory Samuels" wrote in message
...
We never bothered with insurance as all our past cruises (22) have been
in the caribbean and we have been in good health. However we booked a
transatlantic for next April and decided to take the insurance that was
offered. Now I realize I don't really know what this covers and I will
check with our travel agent. He explained it to me but I wasn't paying
a lot of attention at the time. We are now going to book another long
and expensive cruise starting in Barcelona and will be taking out
insurance. Where do you experienced cruisers go for your insurance? We
are (thankfully) still in good health but at 67 & 74 anything could
happen. So we would want medical and trip cancellation/return home.
Where do I start or do I just go along with the travel agents advice?

Your TA should have some sort of brochure or something to show you your
coverage.
We received the premium insurance from Princess for the basic insurance
price as a perk for being platinum now.
We took the insurance because I have an 87 year old mother and 70 year old
sis-in-law. If something happens to one of them we are covered for missing
the cruise.
They also cover luggage and a lot of other stuff.
A few years ago we almost missed a cruise because my other sister-in-law was
on life support and her husband could not decide to let her go. We
eventually went to the funeral, got home on Wednesday, packed on Thursday
and flew out to San Juan on Friday.
If my wife had decided not to take the cruise due to bereavement even on
Saturday after the funeral we were told by the insurance company she did not
have to go and we were 100% covered for additonal expenses to change our
cruise dates.
We always take the insurance. It is always under $150 and it is cheap as far
as our experiences.