So I have heard that external trip insurance is the way to go.
It is cheaper and you do not need to pay for it until it is time to pay your final deposit 75 days out.
Thoughts, opionions,
Recommended coverage?
Thanks guys & gals
FatCat
2007 Sept 7 day Western
2007 - May ASM
2007 - Cruise and Pop
2006 - POR
2006 - AKL
2005 Contemporary
2005 Gaylord Palms
2005 P. Century
2004 WL
2003 Holiday Inn Suites
2002 All Star Vac. Homes
2000 POR
1999 Car. Beach
1997 Car. Beach
1980 Some Red Hotel with a Pool
I'm "special needs" in the insurance category due to a chronic medical condition. Therefore, I have to be careful when I purchase insurance (I have to be able to work, not within a certain period of time following surgery, etc.)
It's wise to look into policies before you buy (I could have easily tripped myself up by not knowing the stipulations).
That said, you definitely want to make sure that all of your vacation is covered (air travel, hotel stays, etc.), not just the cruise itself.
Ellen INTERCOT Staff: Dining, Disney Cruise Line, Guests with Special Needs
Next up:
Christmas with the Mouse
President's Week 2013
HI, I just helped my parents purchase insurance for there cruise. We made one big mistake, you SHOULD purchase the insurance within 15 days from "the day that you BOOKED the trip"! It is much cheaper and there are many clauses, pre-exisiting, ect. I am not sure if I can mention the website (insuremytrip.com) hope thats OK, but they have many companys that you can pick and compare from. They are also very helpful if you call and all the insurance companys are rated. Hope this helps. They also have a "cancel for any reason policy", it will only pay you back 75% of your money but its better than nothing if you are in a jam???
Beach Club Villa's 10/03
Portofino Bay and Beach Club Villa's 10/04
Saratoga Springs Resort 10/05
Pop Century and Beach Club Villa's 10/06
Boardwalk Villas 06/11
Last year I booked my Disney Cruise vacation through Magical Journeys. My mother and her husband were traveling with us. My mother had recently been diagnosed with her second bout of breast cancer and we were very concerned that she would not be able to make the trip. Well, Nanci at Magical Journeys recommended a travel insurance company that accepted pre-existing conditions and were priced very reasonable. My mother was able to make the trip and while on the ship developed a stress fracture in her hip that called for several trips to the ships doctor. It was not a problem, once back home the company paid everything in full. I cannot remember which company we used but I know Nanci follows this board and I am sure she can let you know.
On a final note, we made this trip as a family last April and my mother passed away in September, but that last trip together as a family is a memory my entire family will always cherish.
"Why is the rum always gone?"
Jun 09 - Old Key West
Apr 08 - Disney Cruise
Dec 07 - Ft Wilderness
Feb 07 - Animal Kingdom
Apr 06 - Disney Cruise
Dec 05 - Wilderness Lodge
Mar 05 - Wilderness Lodge
Dec 04 - Car. Beach
Aug 03 - Car. Beach
Jun 02 - Port Orleans
Oct 98 - All Star Music
We also used the MJ suggested insurance. My DH got really sick and was confined to the cabin for 48 hours of our 4-day cruise.
We submitted a claim for 1/2 of our total cruise price because HELLO - I'm not going into Nassau all by myself!
They paid it without any question. I did write a virtual doctorial thesis on our experience.
We won't travel, especially cruise, again without it. I think it was about $120 and we got back $1K.
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