breaking down travel insurance - the truth about travel insurance

breaking down travel insurance. Finding out the truth about travel Insurance. This is the most confusing topic when booking a cruise for people. In this review we try to understand travel insurance a little more we have to break down the travel insurance from medical to trip cancellation.

so I hope to give you the truth about travel insurance as I break down the travel insurance the best I can to explain why you need to buy travel insurance.

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[danbrown]

Thanks for breaking this down. A few other things to consider:
1. Many credit cards, especially travel-oriented ones, provide trip insurance. Mine covers trip cancellation/interruption (for specified reasons) as well as a nominal amount for medical, if you charged any part of the cost of the trip on that card. Benefits vary, of course, so check the card terms.
2. Check with the health insurance you already have to see if, and to what degree, it will cover you abroad. Mine provides the same coverage abroad that it does at home, but I'd probably need to pay up front and get reimbursed.
3. Consider medical evacuation. Even if your health insurance covers this, it's likely (1) only if medically necessary, and (2) only to the nearest suitable hospital. Some travel insurance will cover evacuation to a hospital of your choice, which would be much nicer. Expect to pay more for this benefit.

[keimemommy]

I just discovered your videos and really appreciate all the helpful information. I am so sorry to hear about your battle with cancer. Wishing you a speedy and complete recovery.

[deniscoakley]

Still keeping you in prayers for your health, Don. Thank you for this video.

Even though I love NCL, I had a terrible time with the insurance I bought through them. I had to cancel a trip 2 days before departure due to a family emergency. Never be fooled by the phrase “for any reason”.

[mariaaastarr]

I love your channel. So many good helpful information and stories. I will keep you in my prayers. If you don't mind. Tfs...✌💛😎

[mattcolver]

Always get it. It's sort of expensive, but with my luck I'll never need it, but if I don't buy it, for sure I'll need it. I buy the Platinum plan through Princess.

[oaketh]

0 Dislikes... this video is so innocent. Thanks for the advice Don!

[boatlover]

Great, great tip on including travel days in the days of the trip! The real main drivers in cost is age and cost of the trip, not days. I used to never buy insurance picking to self insure. However, I now think the single most important reason to buy insurance is in case the very worst happened overseas on a trip. A friend needed a medical evacuation from Aruba a couple years ago, about 30k. So I take the rest along with it, not much more.

[gailabert]

Good video, Don. I took care of a patient once who had NO travel ins on her cruise and she had to get air lifted off the ship to an ICU on an island hospital. Once she was stable she was flown to the US and to our hospital. She said she would NEVER go without ins again!! (well duh!!) excellent advice about adding the extra ins coverage for the beginning and the end of your trip!

[sheismymom]

i'm glad you're feeling good Don

[cassandrab]

Be sure to read the small print on the policy! I think the most common risks you'd want covered would be (1) Missing the cruise because of airline delays, re-routing, lost suitcases, etc. and (2) major illness just before departure time (eg, appendicitis 2 days before the cruise sails.)


3 years ago Celebrity offered me generic insurance that cost 10% of the cruise price. It covered only the time between embarkation and disembarkation. That meant no coverage for cancellation due to flight delays, etc. And no coverage for cancellation due to major illnesses prior to the cruise.


Usually cruise company insurance covers flights that THEY book as part of the cruise package. Cruise company air travel presents its own constellation of risks and frustrations.



Be careful about exclusions for "pre-existing illnesses". I know of instances in which, for example, the insurance refused to cover a broken leg after a fall, because the individual was taking a medication that "may cause dizziness", so the broken leg was surely a complication of her pre-existing illness.

[fredacuneo]

I love to go cruising and this really helps clarify all of the insurance options. Thank you for this.

[patrickmckeown]

Godspeed getting healed up brother. Thanks for the info.🙂

[talonmedic]

I always get travel insurance but only recently as I get older. Since if you get sick or hurt overseas it can be costly and usually they want money before treatment. Had a friend who got shot ( accidently they werent shooting at him) he would have had to pay for air evacuation ( about $42000) instead it was covered.

[walterwhitewalker]

Good luck with the big C, sir and thamk you for taking the time to make the video. I have a Capital One Venture card and it says it has 'travel insurance' but I don't know if I should get the insurance through Royal Caribbean. First cruise, so I don't know what I should do. I do have regular health insurance

[judyjetson]

In US many co offer a pre existing condition waiver depending on when you buy the travel insurance.

[bluefluke]

Hi, Don. Can an independent travel agent not employed by the cruise line (you?) get me the travel insurance only, or would I need to book the entire cruise with that agent? I'm already booked for the cruise but haven't purchased my travel insurance yet.

[aimeerogers]

Wishing you a wonderful cruise and a successful surgery. I look forward to all of your vlogs.

[AngryAmy]

Bug bites??? You never told me there would be bugs on a cruise! LOL 🤣🤣🤣

[janlovesmany]

Pray your doing awesome today after all treatments and surgerys Sir... God bless.

[bocajay]

Hi Don can you do a update vlog on travel insurance, thanks