Hello Ladies and Gentlemen! John and I have been thinking about cruise insurance. For a trip with this price tag, it is really a good thing to consider. You can buy trip insurance directly through Royal Caribbean. They offer insurance through CruiseCare. We find them to be a little expensive.
The last time we cruised, we used Travel Guard (www.travelguard.com).
You can also go to www.insuremytrip.com and enter your information and get quotes from several different companies.
We find the insurance offered by both of these websites to be more reasonably priced and still offer great coverage.
This is a small additional cost that could save you alot of money in case of trip cancellation or a medical emergency or missed flight connection, etc. Let us know if you decide to get insurance and what you get.
Technically up until the time of final payment next April, your down payment can be refunded to you 100%. The time when insurance comes in handy is when you get closer to the trip and something comes up which causes you to have to cancel. This is when you would want to have trip insurance to be sure you can get refunded 100%. There are also plans that cover unforeseen expenses (like if you had to be helicoptered off the ship or anything like that).
I am NOT trying to scare anyone. John and I have cruised 10 times and have NEVER had to use the insurance. And there have been times on shorter/cheaper cruises when we didn't even buy insurance. However, with this trip we will probably invest the $100 or so to be on the safe side.
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