Travel Insurance?

Can anyone recommend a good travel insurance company, please? Hopefully
some of you will have had experiences with an insurance company I could
benefit from.

I want to purchase, but I don't want to talk again with the travel agent who
is handling our group cruise.

AG in MD

We have good sucess with our auto insurance company for our travel insurance
needs.

Frank


"grossbea" wrote in message
...
Can anyone recommend a good travel insurance company, please? Hopefully
some of you will have had experiences with an insurance company I could
benefit from.

I want to purchase, but I don't want to talk again with the travel agent
who is handling our group cruise.

AG in MD

"grossbea" wrote in
:

Can anyone recommend a good travel insurance company, please?
Hopefully some of you will have had experiences with an insurance
company I could benefit from.

I want to purchase, but I don't want to talk again with the travel
agent who is handling our group cruise.

AG in MD




I could reccomend a good comapny that has paid claims timely and been
helpful, but then I suspect that many of hte other a gents here could.
conatact one of us we can help.


--
Joseph Coulter
Cruises and Vacations
http://www.josephcoulter.com/

I've been using CSA Insurance which can be tailored to buy just what
portions you need to keep the cost down. Although I personally haven't had a
claim, I've read lots of good comments about them. My main concern is not so
much as travel delay or lost luggage as it is with emergency medical
evacuation form the ship. http://www.csatravelprotection.com/

"grossbea" wrote in message
...
Can anyone recommend a good travel insurance company, please? Hopefully
some of you will have had experiences with an insurance company I could
benefit from.

I want to purchase, but I don't want to talk again with the travel agent
who is handling our group cruise.

AG in MD

grossbea wrote:
Can anyone recommend a good travel insurance company, please? Hopefully
some of you will have had experiences with an insurance company I could
benefit from.

I want to purchase, but I don't want to talk again with the travel agent who
is handling our group cruise.

AG in MD


go to www.insuremytrip.com and input your information. You'll then be
able to compare different policies.
We usually use Travelex Lite since it covers kids 16 and under for free
and is a primary, not a secondary policy.

Bill

--
Visit my Caribbean Princess website:
www.cruisingthecaribbeanprincess.com

"grossbea" wrote in message
...
Can anyone recommend a good travel insurance company, please? Hopefully
some of you will have had experiences with an insurance company I could
benefit from.

I want to purchase, but I don't want to talk again with the travel agent
who is handling our group cruise.

AG in MD

If your group cruise policy is Berkleycare (which many are), you can do
better.

We also like Travelex (Lite). But whoever you choose,

Look for:

-Primary coverage (secondary is useless).
-Pre existing condition waiver (usually, you have to take the policy within
2 weeks of your trip downpayment).
-Unless you are over 60 (sometimes 65), a policy with lower rates for
younger people.
-Medical coverage (Medicare won't pay out of US).
-Medical evacuation (NOTE: this always means = to the nearest good hospital,
not back home =)

imd

Primary coverage (secondary is useless).

Start with this fact: Usually primary coverage costs more than
secondary coverage.

You're going to fall into one of two groups:

Group #1 includes those whose regular medical insurance DOES NOT cover
them during their trip. In this case, since there is no coverage to be
secondary to, a nominally secondary coverage policy is in fact
delivering primary coverage. Why in the world would you pay more for a
primary policy if there no actual advantage?

Group #2 includes those whose regular coverage DOES cover them during
their trip. Since I've already got coverage I'm paying for I have to
ask myself why I would pay to duplicate that coverage. In an ideal
world I'd want a policy with NO medical coverage and save a few bucks.
But almost all policies include a medical component so I have to buy
coverage I don't need. Do I (A) at least try to keep my costs as low as
possible and buy a less-expensive secondary plan or do I (B) spring for
a higher-priced primary plan.

Of course, if you can find a primary coverage plan at a price
comparable to a secondary policy go for it.

AG in MD,

We used Travel Guard as we always do, and for the first time in over a dozen
cruises we had to cancel, and they sent us a check for over $13,000.
--
DG in Cherry Hill, NJ

(* _ *)

"grossbea" wrote in message
...
Can anyone recommend a good travel insurance company, please? Hopefully
some of you will have had experiences with an insurance company I could
benefit from.

I want to purchase, but I don't want to talk again with the travel agent
who is handling our group cruise.

AG in MD

Hi all - I would recommend a company that specializes in Travel
Insurance, such as Travel Guard. http://www.travelguard.com/ I have
included a story we published in our December 2005 Nautical View
Newsletter.

Hope it helps.

Thanks,

Chris

Travel Insurance - Don't Leave Home Without It

Imagine you're about to set sail for a romantic cruise for two and one
of you is hospitalized for emergency surgery. Or worse, you're
already onboard and out to sea when your spouse has a heart attack and
needs to be airlifted from the ship. Without travel insurance, your
medical and transportation expenses can make a bad situation worse and
turn your dream trip into a nightmare.

Today, many cruise passengers assume travel insurance is only for trip
cancellation but with the right policy, the coverage usually includes
much more. For more than 20 years, Travel Guard International has
covered millions of travelers throughout the world, offering some of
the broadest coverage in the industry. Travel Guard's variety of
plans may include medical coverage, trip interruption, emergency travel
and health services. Whether you are cruising for four days or 14,
there's a policy to suit your needs and as your personal cruise
expert, I can help you find the right one.

No one likes to think about all the things that can go wrong while on a
cruise but life's mishaps and accidents don't always take a
vacation when you do. Here are just a few scenarios that could arise,
but not to worry; Travel Guard's has you covered:

A close family member becomes seriously ill and you need to cancel your
cruise. Travel Guard covers your nonrefundable deposits and
pre-payments.
Your ship has just arrived in Venice and while on an excursion your
wallet and passport are stolen. Travel Guard provides emergency cash
and gets your passport replaced.
You've taken the Great Churches tour in Rome and you fall on the
cobblestone streets and break a leg. Travel Guard helps you find an
English-speaking doctor and covers your medical expenses.
And what might all this peace of mind cost? You'd be surprised at how
affordable the options are. For example, you're a forty-something
couple on a seven-day cruise worth approximately $1,500 per person. For
just $103 per person, you can opt for Cruise Tour and Travel, Travel
Guard's premier package plan offering comprehensive coverage and
services, the highest limits of medical coverage and bonus benefits
when purchased within 15 days of your initial trip deposit.

For more information, please give me a call and I'll review the
various insurance plans and find the option that's right for you.
With this type of coverage and benefits you can't afford not to buy
travel insurance when you cruise.

wrote in message
ups.com...
Primary coverage (secondary is useless).

Start with this fact: Usually primary coverage costs more than
secondary coverage.

You're going to fall into one of two groups:

Group #1 includes those whose regular medical insurance DOES NOT cover
them during their trip. In this case, since there is no coverage to be
secondary to, a nominally secondary coverage policy is in fact
delivering primary coverage. Why in the world would you pay more for a
primary policy if there no actual advantage?

Group #2 includes those whose regular coverage DOES cover them during
their trip. Since I've already got coverage I'm paying for I have to
ask myself why I would pay to duplicate that coverage. In an ideal
world I'd want a policy with NO medical coverage and save a few bucks.
But almost all policies include a medical component so I have to buy
coverage I don't need. Do I (A) at least try to keep my costs as low as
possible and buy a less-expensive secondary plan or do I (B) spring for
a higher-priced primary plan.

Of course, if you can find a primary coverage plan at a price
comparable to a secondary policy go for it.

One exception:

Suppose you have Medicare (does not cover out of the US) and a Medicare
Supplement (that does cover) BUT the Medicare Supplement has a lifetime
limit of how much it will pay you overseas (with a 20% copay).

If you buy secondary medical travel insurance, you will eat up your lifetime
limit of the Medicare Supplement (your secondary policy may pay your 20%).
If you buy primary travel insurance, you will preserve your lifetime limit
to a time when you may really have no coverage.