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#1
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Insurance
Are there any insurance companies that sell a cruise policy for a period of
a year? |
#2
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Insurance
I understand from my friend in England that they can buy a yearly
travel insurance policy, but I have not known what it actually covers. I am not sure if it covers trip cancellation, medical or either or both. I have not been able to buy any yearly travel polciy in the U.S. |
#3
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Insurance
scapel wrote:
I understand from my friend in England that they can buy a yearly travel insurance policy, but I have not known what it actually covers. I am not sure if it covers trip cancellation, medical or either or both. I have not been able to buy any yearly travel polciy in the U.S. There might be some yearly travel policies in the U.S. This subject came up just before the GGC2006, and we asked Cal Ford to look into and see what he could find. He did find something, but I am not sure what. I am not sure if it is affordable, or if it is something people are going to be interested in. He was going to send out some information via snail mail shortly to some of us. I did a search when the subject came up prior to the GGC2006, and managed to confuse myself with the topic! There are ... mostly things available in the U.K. roland |
#4
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Insurance
Yes, atleast two companies offer an annual travel insurance plan that
either includes trip cancellation coverage or it can be added. The companies a Access America at http://www.accessamerica.com and Travel Guard at http://www.travelguard.com My experience has been that the coverages aren't as broad as the per trip plans. Most travelers are better off with the per trip plans because of the enhanced benefits (waiver of pre-existing and financial default) and the broader coverages. |
#5
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Insurance
Celebrity Cruiser wrote:
piperut wrote: scapel wrote: I understand from my friend in England that they can buy a yearly travel insurance policy, but I have not known what it actually covers. I am not sure if it covers trip cancellation, medical or either or both. I have not been able to buy any yearly travel polciy in the U.S. There might be some yearly travel policies in the U.S. This subject came up just before the GGC2006, and we asked Cal Ford to look into and see what he could find. He did find something, but I am not sure what. I am not sure if it is affordable, or if it is something people are going to be interested in. He was going to send out some information via snail mail shortly to some of us. I did a search when the subject came up prior to the GGC2006, and managed to confuse myself with the topic! There are ... mostly things available in the U.K. roland If Cal finds out, please post or include me in the email since we cruise 2 x a year. Mark Homeport: Monmouth County NJ Cal was sending out something via snail mail for some of us to look at. I was not sure what he found out, as I have not received it yet. Looks like someone else posted something about the annual insurance. I think this might be an underserved area of the market right now? Some of us take a couple of one week cruise a year, or will go someplace on a long weekend, a yearly travel insurance policy makes a lot more sense then a bunch of little policies. roland |
#6
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Insurance
Some of us take a couple of one week cruise a year, or will go
someplace on a long weekend, a yearly travel insurance policy makes a lot more sense then a bunch of little policies. The problem from the insurer's view point is not knowing what their total loss exposure is prior to issuing the policy. How can they properly price the policy without knowing if the client will be taking six cruises at $10,000 a piece or two cruises at $1000 a piece. That's why most annual plans that do include a trip cancellation benefit limit it to a small amount such as $1,000. This is why the vast majority of annual plans are issued to those not really needing cancellation coverage but are more concerned with medical, emergency evacuation, emergency assistance, etc. The above is for US-style plans, UK-style plans are much different |
#7
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Insurance
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#8
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Insurance
wrote in message oups.com... That's why most annual plans that do include a trip cancellation benefit limit it to a small amount such as $1,000. This is why the vast majority of annual plans are issued to those not really needing cancellation coverage but are more concerned with medical, emergency evacuation, emergency assistance, etc. Your saying that there are annual plane available? The emergence medical evacuation is the only reason I buy insurance in the first place. All the other items I can do without. I always buy the minimum insurance with includes the evacuation portion. If I get sick I'll bite the bullet & take the loss but if I have to be helicoptered off the ship that's another story. |
#9
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Insurance
Your saying that there are annual plane available? The emergence
medical evacuation is the only reason I buy insurance in the first place. All the other items I can do without. Travel Guard's got some cheap annual plans that include emergency evac and so does Access America and Travelex. One other option is Beta at http://www.betins.com But if all you need is evac coverage have you ever checked your credit cards. Many premium cards (Gold, Platinmu, etc) include it as a benefit. If you're already paying for it why buy more? And some people do indeed have evac coverage with their regular health insurance. Never hurts to call. |
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