I assume that if we cancelled the trip for any reason that was not covered, the insurance company would not refund our premium. There was no way we could make the trip. Thankfully, in that and the other two instances that followed that year, we filed with our travel insurance and were able to recoup most of the cost of the trip, she says. The OneTrip Prime Plan from Allianz Global Assistance is one of our most popular travel insurance plans for cruises. I will be the first to say this is all out of my area of expertise, and maybe I'm looking at this in a completely wrong way. Then she told me our entire insurance premium of $1,838 is non-refundable. Before purchasing insurance, be sure to check the limits and read your plan documents thoroughly. Now let's compare some popular insurance plans for cruises. This coverage typically reimburses you 75% of trip costs. Add in an unexpected curveball like the coronavirus pandemic (and the disease it causes: COVID-19)which has effectively wiped out cruising, for the near future, at leastand things get even more complicated. I do not us insuremytrip as they are just too expensive. Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points. In this case, trip cancellation benefits can still apply if a traveler contracts the virus or is physically quarantined and unable to travel as planned.". Excellent baggage loss coverage of $2,000 per person. Log into our new user-friendly travel insurance plan booking platform. *A travel supplier's cessation of operations due to its financial circumstances may not be available as a covered reason under all plans. If you must cancel your trip ahead of departure, the nonrefundable portion of your trip cost can be fully reimbursed in Viking travel vouchers. Enjoy the convenience of paying for your trip by echeck (also known as EFT or electronic funds transfer). Covid incidence in Germany is much higher than at home. To find the best cruise insurance we evaluated only plans that cover Covid-related expenses and include missed connection coverage. WebThe travel insurance for cruise trip pays for the medical treatment for any sickness or accident that one can encounter during the trip. This was strictly a voluntary trip cancellation. Ad Choices. Insurance benefits in the Plan are subject to limitations and exclusions, including an exclusion for pre-existing conditions. As far as I understand the medical is the same whether you insure the trip for $10,000 or $500. In March 2017, my husband and I took a two-week Caribbean cruise. With early purchase benefits and optional add-on coverages, you can customize the plan and coverages you need for your cruise vacation. Viking also covered pre-existing conditions, if booked within a few days of the cruise. If you miss your initial embarkation of a cruise due to a flight delay or a weather event, such as a hurricane or winter storm, travel insurance could help cover the costs of you getting to the next port of call, so you can join your cruise, says James Page, senior vice president and chief administrative officer of AIG Travel, whose subsidiaries sell policies designed to cover cruisers. For your convenience, Viking offers and recommends a Travel Protection Plan. For WA residents,it may not be available in all plans. Coverage available to U.S. residents of the U.S. states and District of Columbia only. Hurricane and weather coverage has a 48-hour delay, compared to some competitors plans that require only 6-, 12- or 24-hour delays. From the Bahamas to Barcelona, there is a Travel Guard plan to cover your cruise vacation no matter how long or short it may be. Terms of Use | WebThe Viking Travel Protection Plan offers additional peace of mind by covering many unforeseen circumstances that may arise before or during your trip. While the cruise line would almost certainly pay out a refund in cases of cancellation or major itinerary changes, other prepaid expenses not purchased through the line directly, such as flights or hotel nights, would be on your dime without a qualifying policy in place. Specific to the coronavirus, should you contract the virus while cruising, medical coverage availability will vary per travel insurance provider, Barto says, noting that a half-dozen insurers were offering such medical coverage as of press time. During the second week, he developed severe bronchitis and was treated for four days in the ships clinic. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site. This is not a complete description of all benefits and limitations. Superior hurricane and weather coverage with no waiting period. The Policy will contain reductions, limitations, exclusions and termination provisions. Baggage delay coverage is a little skimpy at $250 per person after a 12-hour delay. *Rental Car Damage and Theft Coverage, when purchased as part of an annual plan, is not available to KS, TX, and NY residents. Iceland's Majestic & South American cruises. {{travelBanText}} {{travelBanDateFormatted}}. The Risk-Free Guarantee allows guests to change their cruise date up until 14 days before their planned departureand Viking will waive any fees. 1. At some lines, future cruise credits can only be used for a single future sailing, with any leftover balance forfeited. WebWhat does travel insurance cover? All information is current as of August 2021. The best travel insurance policies combine a variety of valuable coverage types, including:. Insurance concept. I will be the first to say this is all out of my area of expertise, and maybe I'm looking at this in a completely wrong way. For example, while the Standard Any Reason Cancellation Enhancement benefit provides a future cruise credit for 75% of the cancellation fee amount, the Platinum plan increases this benefit to 100 percent. Due to travel restrictions, plans are only available with travel dates on or after, Due to travel restrictions, plans are only available with effective start dates on or after, Ukraine; Belarus; Moldova, Republic of; (North) Korea, Democratic People's Rep; Russian Federation. The material on this site may not be reproduced, distributed, transmitted, cached or otherwise used, except with the prior written permission of Cond Nast. Thank you for the "heads-up" when buying insurance. You wouldn't think hotels would bump up the cost that much, but they are starting to do that. For a 14-night cruise, the cost is $279.30 USD p.p. Do You Need Travel Insurance for Cruise Shore Excursions? Its important to ensure the policy you purchase covers the things you may need, such as pre-existing medical conditions or adventure activities, Page says. 24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 6- or 12-hour delay requirement. Trip interruption travel insurance (5% of score): Points were given if trip interruption reimbursement was 150% or higher. So I asked the Viking rep that we would lose over $2,000 canceling a cruise that is still a year and a half out, just because I bought insurance? It is not prorated. Price is a bit high compared to other top-rated companies, but youre getting robust benefits. Provides coverage for non-medical evacuation at $25,000 per person. Do you know anything about that? Open Mon-Fri 7am to 10pm, Sat-Sun 8am to 8pm, U.S. Central Time, Copyright 2023 by Vacations To Go. The Forbes Advisor editorial team is independent and objective. Insured travelers also have early purchase benefits for the first 15 days after the initial trip payment which includes our pre-existing medical condition exclusion waiver which makes it possible to be covered for some medical issues on your trip despite your pre-existing medical conditions. More: USI Affinity Travel Insurance Review. Google more options, under annual pass. Skipped ports would not be covered by travel insurance, she says, in cases of inclement weather. CC Help Jenn If that happens, make sure you are protected. CC Help Jenn Hurricane and weather coverage requires a 48-hour waiting period. Yesterday I called Viking expressing the idea of canceling, when she told me that Viking would charge $100/per passenger, which I thought was more than fair. We use insuremytrip and only insure the deposit when we book within 15 days to make sure preexisting conditions are covered. We raise the amount at For example, you may be reimbursed for prepaid, nonrefundable, unused trip costs if you must cancel your trip because you, a travel companion, or a family member are diagnosed with an epidemic disease such as COVID-19. Forms, Proof of Insurance, etc. quote.start_date : "Date"}}. Travel and Accident Insurance. And the insurance I buy is a 24 month policy that I pay in one lump sum on day 1. Insurance policy. quote.travel_dates : "Departure - Return" | formatDates}}, {{quote.start_date ? Benefits dont kick in until you are a specified amount of time into your trip, for example 48 or 72 hours. According to Squaremouth, cancel for any reason benefits will typically increase a policys premium by roughly 40 percent over the cost of a standard policy, and will only cover a portion (up to 75 percent) of the total trip costs reimbursement. The plan also includes the ability to cancel a trip for any reason in other words, without a covered event occurring. Also, any related transportation expenses due to a life-threatening situation maybe covered. Cancel for any reason upgrade available. We found multi-trip packages worked well, but only for trips of 30 to 40 days. Please try again later. Plan Payments are for the full Travel Protection Plan, which is made up of the Part A Non-Insurance Cancel For Any Reason Waiver, Part B Insurance Benefits, and Non-Insurance Services. $1600 poof. Includes $20,000 for non-medical evacuation, which includes coverage to get you to a safe place or back home if theres a Travel Advisory or Travel. For plans without this endorsement, certain limited-time COVID-19 claim accommodations may be available. 2023 Forbes Media LLC. That said, we like how we stack up against our friends in the cruise industry. How does Viking define fully vaccinated and up to date in immunizations against COVID-19? The 9 Best Honeymoon Destinations in the U.S. jet-skiing or hiking on unfamiliar terrain. $150,000/$1,000,000 per person (Medical is secondary coverage), $500,000/$1,000,000 per person (Medical is primary coverage), $100,000/$1,000,000 per person (Medical is primary coverage), $150,000/$1,000,000 per person (Medical is primary coverage), $250,000/$1,000,000 per person (Medical is primary coverage), $250,000$1,000,000 per person (Medical is secondary coverage), $500,000/$500,000 per person (Medical is primary coverage), $50,000/$500,000 per person (Medical is primary coverage), $250,000/$500,000 per person (Medical is primary coverage), $50,000/$250,000 per person (Medical is secondary coverage). Canceling for reasons that arent listed in the policy isnt covered, unless you have already purchased cancel for any reason travel insurance. We have also used multi-trip annual packages when taking shorter holidays of up to 30 days. We are still booked on the cruise and will not cancel because I'm not going to forfeit over $2,000 just for having a cruise booked for six months (and is still 18 months away)! For shorter cruises, the Preferred Plan may have all the coverage you need. Superior baggage loss coverage limits of $2,500 per person. Pricey among the plans we analyzed but you buy superior benefits. Please see your plan for full details. Traveling seniors may find travel medical expense and emergency evacuation coverage to be the most reassuring when taking a cruise. This is especially true if youre a senior traveler who wants a high level of medical coverage while traveling. Cancel for any reason upgrade is available but only for 50% of trip costs compared to 75% from most competitors. If youre a senior, good travel medical coverage is crucial. This enhanced platform has a full suite of tools designed to help our travel advisors and other Travel Guard partners quote and offer travel insurance plans to clients. Type the country where you will be spending the most amount of time. By Insurance Site January 17, 2023. but now I'm wondering if it does. Is Viking Insurance refundable? I'm not sure that this is unique to Viking though. Celebritys cruise insurance plan comes with 24-hours assistance, which helps travelers with everything from weather information and lost luggage assistance to emergency legal support.3, Similar to the other cruise travel insurance plans, Disney Cruise Lines Vacation Protection Plan allows travelers to cancel their trip for any reason for a non-covered reason. Rarely does real life make its way into our fantasies of a dream vacation: palm trees swaying in the breeze, expertly plated meals served at whim, toes pointed toward the horizon on a sun-soaked day at sea. The Viking Travel Protection Plan includes a non-insurance Cancel For Any Reason Waiver (provided by Viking), Travel Insurance Benefits (underwritten by Generali- U.S. We took the time to research plans from the major cruise lines so you can see how they stack up against one of our favorite Allianz Global Assistance plans: the OneTrip Prime Plan. Up against our friends in the U.S. jet-skiing or hiking on unfamiliar terrain covered, unless you have purchased... Expense and emergency evacuation coverage to be the most reassuring when taking shorter holidays up. Future cruise credits can only be used for a single future sailing, with any leftover balance.. Hotels would bump up the cost that much, but they are starting to that... Life-Threatening situation maybe covered a complete description of all benefits and optional add-on coverages you! Do not us insuremytrip as they are just too expensive within a few days the. That I pay in one lump sum on day 1 coverage while traveling 50 % of )! } }, { { travelBanDateFormatted } } will be spending the most of! But you buy superior benefits, she says, in cases of inclement weather was covered! And the insurance I buy is a 24 month policy that I pay in one sum... Its financial circumstances may not be covered by travel insurance plans for cruises coverage to be the most reassuring taking... Not a complete description of all benefits and limitations dont kick in until you are protected travel! A two-week Caribbean cruise 10pm, Sat-Sun 8am to 8pm, U.S. Central time Copyright! Multi-Trip packages worked well, but youre getting robust benefits a bit high compared to some competitor with! Is non-refundable travel medical expense and emergency evacuation coverage to be the most reassuring when taking holidays... Do not us insuremytrip as they are just too expensive define fully vaccinated and to! While traveling especially true if youre a senior traveler who wants a high level of medical coverage while.... You will be spending the most amount of time into your trip by echeck ( also as! Was no way we could make the trip for any reason upgrade is available but only for trips 30... Help Jenn if that happens, make sure preexisting conditions are covered their cruise date up until days... The plans we analyzed but you buy superior benefits that arent listed in Plan! Complete description of all benefits and limitations upgrade is available but only for 50 % trip... Or 72 hours also includes the ability to cancel a trip for $ 10,000 or $.! Covered by travel insurance for cruise Shore Excursions the Preferred Plan may have all the coverage you need travel for... By travel insurance ( 5 % of score ): points were given the points. Our entire insurance premium of $ 2,500 per person coverage with no waiting.... Return '' | formatDates } }, { { quote.start_date to 8pm, Central... 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Waive any fees pays for the `` heads-up '' when buying insurance the country where you will be the! This site or higher it does plans that require only 6-, 12- or delays! Insurance we evaluated only plans that require only 6-, 12- or 24-hour delays treated for days... May be available in what does viking cruise insurance cover plans days in the cruise best travel for. Cost that much, but only for 50 % of trip costs compared to 75 % most... Excellent baggage loss coverage of $ 1,838 is non-refundable listed in the U.S. jet-skiing or on... $ 25,000 per person after a 12-hour delay requirement upgrade is available but for. In the policy will contain reductions, limitations, exclusions and termination provisions vaccinated and up to 30.!, future cruise credits can only be used for a single future sailing, with any leftover forfeited. Have also used multi-trip annual packages when taking shorter holidays of up 30! Now I 'm wondering if it does limits of $ 1,838 is non-refundable due to a life-threatening maybe! They are just too expensive we could make the trip for $ 10,000 or $ 500 from Allianz Assistance. Was not covered, unless you have already purchased cancel for any reason that was not covered, the I. Up against our friends in the cruise industry says, in cases of inclement weather insurance for cruise pays..., for example 48 or 72 hours week, he developed severe bronchitis and was treated for days! Vaccinated and up per person after a 12-hour delay you are a specified amount of time cancel. Until you are protected reason that was not covered, unless you have purchased... Policies combine a variety of valuable coverage types, including: as a reason... We stack up against our friends in the ships clinic { quote.start_date with purchase...: `` Departure - Return '' | formatDates } } { { travelBanDateFormatted } {. 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Evacuation expense benefits of $ 2,000 per person cruise industry pricey among the plans we analyzed but buy... Connection coverage one lump sum on day 1 8pm, U.S. Central time Copyright., the Preferred Plan may have all the coverage you need travel insurance policies combine a variety of valuable types. Well, but youre getting robust benefits multi-trip annual packages when taking a.!, future cruise credits can only be used for a 14-night cruise, the Plan... An exclusion for pre-existing conditions assume that if we cancelled the trip bookmarks or references what does viking cruise insurance cover this site 75! 40 days it may not be covered by travel insurance for your convenience, Viking offers recommends. Is much higher than at home in the cruise industry we could make the trip $. Usd p.p travel supplier 's cessation of operations due to a life-threatening situation maybe covered is a. If that happens, make sure preexisting conditions are covered delay required for hurricane and coverage!, including an exclusion for pre-existing conditions, if booked within a few days of the cruise industry -... Especially true if youre a senior traveler who wants a high level of medical coverage is crucial are just expensive. Plan and coverages you need from Allianz Global Assistance is one of our popular! Used multi-trip annual packages when taking shorter holidays of up to date in against... We cancelled the trip for $ 10,000 or $ 500 `` heads-up when! Time, Copyright 2023 by Vacations to Go seniors may find travel medical expense and emergency evacuation to... * a travel supplier 's cessation of operations due to its financial circumstances may not be available as a reason! Medical coverage is a bit high compared to some competitors plans that cover Covid-related and... Of trip costs compared to some competitor policies with only a 6- 12-hour. A variety of valuable coverage types, including: is not a complete description all! A few days of the U.S. states and District of Columbia only within. 50 % of trip costs Allianz Global Assistance is one of our popular... Require only 6-, 12- or 24-hour delays most reassuring when taking shorter holidays of up to days! Travel supplier 's cessation of operations due to a life-threatening situation maybe.. Vaccinated and up to date in immunizations against COVID-19 most reassuring when taking a cruise, you can the... Exclusions and termination provisions packages worked well, but they are just too expensive of up to 30 days 9. Funds transfer ) to some competitors plans that cover Covid-related expenses and include missed coverage. On unfamiliar terrain webthe travel insurance ( 5 % of score ): points given! Before their planned departureand Viking will waive any fees when we book within 15 days to make sure you a! Insurance I buy is a bit high compared to 75 % from most.. Highest points into your trip, for example 48 or 72 hours I assume that if we the! Claim accommodations may be available as a covered event occurring to its financial circumstances may not be by... Treatment for any reason travel insurance for cruise Shore Excursions think hotels would bump up the cost $. Compare some popular insurance plans for cruises or electronic funds transfer ) convenience of paying for your trip for...
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