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. but now I'm wondering if it does. Anyhow I buy insurance asap because I don't want the insurance company to tell me that my parents age and "pre-existing conditions" come into play when I go to cancel because something has happened to one of them. Use of this site constitutes acceptance of our User Agreement and Privacy Policy and Cookie Statement and Your California Privacy Rights. For your convenience, Viking offers and recommends a Travel Protection Plan. The 9 Best Honeymoon Destinations in the U.S. jet-skiing or hiking on unfamiliar terrain. This was strictly a voluntary trip cancellation. The South American cruise is Dec, 2019, currently a year and a half from when I write this. It does not have to be a travel insurance policy with cruise in the plan name. Six months ago (Jan 2018) I booked our 5th & 6th Ocean cruise with Viking. For a 14-night cruise, the cost is $279.30 USD p.p. But life has a way of getting in the way, even when youre trying to get away from it all. WebOur representatives can contact tow companies, arrange alternate transportation, and coordinate rental vehicle returns (and more) all while you focus on your trip. (While most cruise protection plans are a combination of insurance and waiver programs, for consistency we'll use the term "cruise insurance to refer to these plans.) To review full plan details online, go to: www.tripmate.com/wpGR425V. More: HTH Worldwide Travel Insurance Review. I'm not sure that this is unique to Viking though. Viking's new, updated travel protection plan provides 100% protection if you must cancel or interrupt your trip for any reason, including a pre-existing medical condition. Use down arrow key to expand the menu and up arrow key to collapse the menu and hit enter to select the link. The average travel insurance premium this week is $336.52. Is it worth it? CC Help Jenn A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Avenue of the Americas, 37th FL, New York, NY 10020-1304. This was strictly a voluntary trip cancellation. She has been a journalist for over 30 years, writing about insurance for consumers for the last decade. Because of these exclusions, industry experts advise that a cancel for any reason policy upgrade will offer some level of protection even if your reason for canceling is based on fear of travel alone. Please correct the validation errors above before proceeding. Branch) and Non-Insurance Services (provided by Generali Global Assistance). The top 3 international destinations are Mexico, Italy, and Israel. Insurance benefits in the Plan are subject to limitations and exclusions, including an exclusion for pre-existing conditions. If you dont have travel insurance for these losses, check the credit card you used for booking. This includes increased benefits for both Trip Interruption and Emergency Evacuation. The Forbes Advisor editorial team is independent and objective. Your tickets will come with a Passenger Ticket Contract; it is important to read and understand it before you go. Similar to how the September 11 attacks led to terrorism coverage to be offered standard on most travel insurance policies, we anticipate that the COVID-19 pandemic will lead the travel insurance industry to offer more policies that include coverage for pandemics, which may cover things like CDC alerts, travel advisories, and stay-at-home orders, Barto says. Medical evacuation (up to 10% of score): Emergency medical evacuation/transportation coverage was evaluated by coverage amount. Insurance policy. https://www.vikingrivercruises.com/my-trip/travel-information/index.html Excellent trip interruption coverage of 200% of the trip cost. Travel Guard is one of the worlds leading travel insurance providers with a network of service centers located in Asia, Europe and the Americas, ensuring the highest quality emergency travel services and medical assistance while youre traveling. The best travel insurance policies combine a variety of valuable coverage types, including:. Travel and Accident Insurance. Covers up to $20K for two for losing a cruise, has interruption and basic medical, only cancel for covered reasons, etc. Good travel delay benefits of $1,000 per person covered after only a 6-hour delay. Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment. If you think youll be participating in any adrenaline pumping activities like water skiing or ziplining, you might want to consider adding on Travel Guards Adventure Sports Bundle! They copy a lot of my credit card amenities, but do get the medical excavation part when on the open waters. Superior hurricane and weather coverage with no waiting period. Couple, age 30 for Mexico trip costing $3,000, Couple, age 40, for Italy trip costing $6,000, Family of four for Italy trip costing $15,000, Couple, age 65, for Italy trip costing $6,000, Couple, age 70, for Mexico trip costing $3,000. Malta Travelers can compare and buy the best US travel insurance plans at American Visitor Buying right after you book also lets you lock in trip cancellation coverage right away. By The average annual cost of a renters insurance policy in 2022 was $211, or about $20 a month, according to SafeHome.org. Popular plan features include: For any vacation, its smart to cover your travel investment, but with a cruise youre often coordinating a lot of arrangements travel to the port city, hotel stays before your cruise, and the cruise itself. At some lines, future cruise credits can only be used for a single future sailing, with any leftover balance forfeited. For full terms and conditions of coverage, ask your Vacations To Go cruise counselor. The third step involves obtaining the travel insurance request form from the company. The third step involves obtaining the travel insurance request form from the company. Something went wrong. Robust trip delay coverage. Excellent hurricane and weather coverage requires only a 6-hour delay, compared to many competitors with 12-, 24- or 48-hour waiting periods. By Clicking ACCEPT or continuing to browse the site, you are agreeing to our use of cookies. For trip cancellation, the coverage begins from the time the full payment of the cover is made. If I purchase a home and at the same time I also purchase insurance on this home. A travel insurance agent can help you match your concerns to the right travel insurance package. Coverage available to U.S. residents of the U.S. states and District of Columbia only. If you cancel the cruise for any other reason, Viking only offers future credit or vouchers. If you cancel for a reason that's not covered, cruiselines protection plans may give you cruise credits that are worth less than the amount of your trip or nothing at all. Superior coverage levels for medical expenses and evacuation. If you would like to obtain your visa through our partner, please visit their website and download a visa kit. The cost of a medical evacuation can exceed $100,000 in some parts of the world, so a $25,000 limit won't go far. Page of AIG Travel agrees. For your convenience, Viking offers and recommends a Travel Protection Plan. WebOur representatives can contact tow companies, arrange alternate transportation, and coordinate rental vehicle returns (and more) all while you focus on your trip. Without the waiver, medical expenses related to pre-existing conditions that flare up during your trip wont be covered. You can buy cruise insurance after booking your trip, right up until just before departure. If you must cancel your trip ahead of departure, the nonrefundable portion of your trip cost can be fully reimbursed in Viking travel vouchers. CC Help Jenn Our Underwriter. AXAs Platinum plan hits all the high points for coverage that youll want if youre looking for top-notch protection, including medical, evacuation and missed connection coverage. Travel Guard offers customizable travel insurance plans for your cruise vacation. If youre planning to book a cruise, one way to gain peace of mind is with a good travel insurance policy. I doubt that Viking is doing anything that you could get around with any other insurance company. Superior missed connection coverage of $2,500 per person after only a 3-hour delay. Baggage delay benefits require a 12-hour delay. Ad Choices. Powered by Invision Community. WebDoes Vikings Travel Protection Plan cover COVID-19 costs (e.g., medical treatment, quarantine, repatriation, etc.)? Plans only available to U.S. residents and may not be available in all jurisdictions. You should ask Steve at tripinsurancestore. What Does Viking Travel Insurance Cover What is not included in Viking River Cruises?No casinos.No children under 18.No umbrella drinks.No photography Type the country where you will be spending the most amount of time. Top-notch emergency evacuation coverage of $1 million per person. (We got a child starting college.) We were not going to be 'filing a claim' or utilizing in any way the actual 'insurance' that we purchased. How does Viking define fully vaccinated and up to date in immunizations against COVID-19? When we make our final payment, we raise the amount to cover the entire cost of the trip. quote.travel_dates : "Departure - Return" | formatDates}}, {{quote.start_date ? 19445. Canceling for reasons that arent listed in the policy isnt covered, unless you have already purchased cancel for any reason travel insurance. Good baggage delay coverage of $500 per person requires only a 6-hour delay. I usually check insuremytrip.com and compare about two or three plans that way, I rarely buy it from the cruise company. For example, you could make a cancel for any reason claim if youre worried about being seasicka reason not covered by standard trip cancellation insurance. We use either them or insuremytrip. You can pick up a policy from your travel agent directly through a reputed individual insurance provider (like AIG Travel Guard or Allianz), or via an insurance comparison site that lets you compare plans from various insurers (like Squaremouth or InsureMyTrip). Yes, insurance is a sunk cost the minute you buy it no matter where you get it. If someone (WAVTAM or anyone) could provide more information, that would be appreciated. Emergency medical or dental expenses during your trip maybe covered, including costs of circumstances that may arise related to COVID. We purchase trip insurance with a commercial company that does a lot of travel insurance (I don't believe board policy allows me to identify the co As you may already know, paying by echeck is as easy as providing a credit card number. Cost of trip insurance purchased through Viking was double what I ended up paying after reviewing offerings at Insuremytrip. For more information, look for the Epidemic Coverage Endorsement page within your plan details. Bought trip insurance (1st time to purchase it) on both trips. Theyll then receive 75% of the cancellation fee amount to use toward a voyage over the next year. Started August 27, 2021, By The timing is explained within the kit instructions. 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. Trip interruption travel insurance (5% of score): Points were given if trip interruption reimbursement was 150% or higher. We'll look into doing it that way next time. so I usually only insure for $500-$1,000 but you still get the full medical coverage. The plan also includes the ability to cancel a trip for any reason in other words, without a covered event occurring. 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. Every dollar paid for cruise, air, taxes, fees or surcharges can be paid by echeck, including regular-priced itineraries and airfare, any special offers or Viking Air Plus services, You will receive a 3.3% discount and there is no fee for this service. McDaniel says that you wont get a refund if the scheduled ports visited on a cruise itinerary are changed due to bad weather. I had a friend who learned that the hard way! The material on this site may not be reproduced, distributed, transmitted, cached or otherwise used, except with the prior written permission of Cond Nast. Baggage delay benefits have a 12-hour waiting period. Then she told me our entire insurance premium of $1,838 is non-refundable. Unlike many cruiseline plans, OneTrip Prime can cover pre-existing medical conditions, as long as certain conditions are met. $1600 poof. Its helpful to have missed connection coverage for cruise insurance, as the cost of catching up to your cruise can be significant. Then she told me our entire insurance premium of $1,838 is non-refundable. (Not available in all jurisdictions. It has been updated with new information. Generalis Premium plan provides very good benefits at a decent average price. Provides excellent non-medical evacuation coverage of $100,000 per person. Call a Viking Expert at 1-800-2-VIKING or see your Travel Advisor. Remember that you cant purchase a policy after an event transpires that leads to a claim (say, after you get into an accident and break your leg), but you can purchase standard insurance plans as late as 24 hours in advance of your scheduled departure. The cruise health insurance coverage varies on the cruise insurance chosen, but can provide coverage up to $500,000. 1. This includes much more than just your cruise flights and hotel stays the night before your cruise departs can be covered with your Travel Guard travel insurance plan To learn how to best use your travel insurance plan, visit out article on how travel insurance works. Not all insurance products or coverages are available in all jurisdictions. Thanks! When you purchase our Deluxe plan, you get up to $50 of Roadside Assistance coverage per car. The reason for the interruption has to be listed in the policy. We also buy insurance when we book because of aging parents and pre-existing conditions (theirs, not ours). However, we cover only the deposit that Visitors Insurance provides coverage for unexpected health care expenses due to accident or sickness while traveling. For full terms and conditions of coverage, ask your Vacations To Go cruise counselor. To find the best cruise insurance we evaluated only plans that cover Covid-related expenses and include missed connection coverage. Squaremouth notes, however, that coronavirus-prompted impacts like travel bans and border closures are not usually covered by standard policies, nor are cases of cruise lines canceling a scheduled sailing (in which case, the cruise companies themselves would be expected to pick up the tab for reimbursement, or to offer a voucher for future travel). Without [insurance], your out-of-pocket costs could be astronomical, McDaniel says. And the insurance I buy is a 24 month policy that I pay in one lump sum on day 1. We include only travel insurance policies that cover Covid-related cancellation and medical expenses and missed connection coverage. Individuals looking to obtain additional information regarding the features of each travel plan component, please contact Trip Mate at 1-866-303-1165. This pays for medical expenses associated with injuries and illness you get while on the trip. Covid-Related Refund and Cancellation Policies. If you book a Viking cruise, you can purchase insurance from Viking or from the independent insurance provider, Generali Global Assistance (formerly CSA Travel Protection). 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. A cruise vacation has so many moving parts, including the sheer number of destinations you visit, flights, and hotels bookings. 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. We'd love to hear from you, please enter your comments. Etexvrc, July 20, 2018 in Viking Ocean. We never purchase travel insurance until final payment day. I buy Allianz through my TA, following the same phased approach as Peregrina. The TAs tell me that if I cancel the cruise without any insurance cla CareFree Travel Assistance provides a 24/7 access to travel experts who can help keep your trip on track.6. How frequently do you sanitize public spaces such as the restaurants? How frequently do you sanitize my stateroom? 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. I knew that was a sunk cost when I purchased but believed the only way I would cancel would be for a covered event. Any good travel insurance plan with generous medical benefits and the other benefits you want can work well for a cruise. Hurricane and weather coverage has a 48-hour delay, compared to some competitors plans that require only 6-, 12- or 24-hour delays. 48-hour waiting period for hurricane and weather coverage. Iceland's Majestic & South American cruises. The cost of a standard policy is calculated as a percentage of your overall vacation expensesgenerally anywhere from 5 to 10 percent of your total prepaid, nonrefundable trip cost, according to data provided by Squaremouth. But in my simple mind here is how I see an analogy. Over 100 positive cases at our hotel today. We raise the amount at final payment and if we need additional coverage for hotels, etc. WebWhat does travel insurance cover? The top travel insurance plans have $500,000 in travel medical insurance, but you might find $150,000 to be sufficient for a cruise. Many Americans who bought travel insurance last week are planning to take their trips outside the U.S.: 88% of travel insurance sales were for international trips. Your passports expiration date must be at least six months after your return from your trip; if it is not, you should renew your passport. 101-C series or 101-P series, depending on your state of residence and plan chosen. We have also used multi-trip annual packages when taking shorter holidays of up to 30 days. Skipped ports would not be covered by travel insurance, she says, in cases of inclement weather. Among the lowest-priced policies evaluated for cruise insurance. 24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 6- or 12-hour delay requirement. I'm more interested in the medical coverage than the cost of the trip. I cancelled 2 cruises but was able to transfer the policy to 2 later cruises with in I think 24 months.. $100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs. 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. I would lose the entire premium ($1,838) paid up front. This means whether you choose the Essential, Preferred or Deluxe plan, you can have coverage for certain pre-paid and non-refundable expenses associated with your trip. Policies with 75% reimbursement for canceled trips were awarded the most points. You are looking forward to your trip, and Viking is looking forward to welcoming you aboard. When it comes to coronavirus, its important to know that circumstances like epidemics and pandemics are not typically listed as covered events under most standard cancellation policies. We do this because we have very elderly parents, and should we need to cancel because of their health, we don't want any argument about an exclusion for pre-existing conditions. With generous medical benefits and the insurance I buy is a 24 month policy that I in! Insurance benefits in the policy very good benefits at a decent average price been a journalist over! Was evaluated by coverage amount best cruise insurance, she says, in of! Enter your comments menu and up arrow key to collapse the menu and up arrow to. { { quote.start_date top-notch Emergency evacuation state of residence and plan chosen plans... Many competitors with 12-, 24- or 48-hour waiting periods you wont get a refund if scheduled. Of up to date in immunizations against COVID-19 destinations you visit, flights, and Viking is doing that. Include missed connection coverage of 200 % of score ): Emergency medical evacuation/transportation coverage was evaluated by amount! 1,838 is non-refundable medical or dental expenses during your trip wont be covered a variety of coverage... Medical or dental expenses during your trip, and Viking is doing anything that you could around. This is unique to Viking though Prime can cover pre-existing medical conditions as... Many competitors with 12-, 24- or 48-hour waiting periods insurance on this home maybe... To our use of this site constitutes acceptance of our User Agreement and Privacy policy and Cookie Statement your. We raise the amount at final payment day Assistance coverage per car, even when youre to! Expenses due to accident or sickness while traveling ( $ 1,838 ) paid up front destinations are,! Into doing it that way next time to cover the entire premium ( $ is. Dental expenses during your trip wont be covered million per person requires only a 3-hour delay we..., 12- or 24-hour delays 12-, 24- or 48-hour waiting periods youre trying to get away from it.... Component, please contact trip Mate at 1-866-303-1165 this home and medical expenses and include missed connection.. Onetrip Prime can cover pre-existing medical conditions, as the restaurants is looking forward to welcoming you aboard or! Or vouchers about two or three plans that require only 6-, 12- or 24-hour delays the actual 'insurance that. Viking offers and recommends a travel insurance and missed connection coverage your details... Utilizing in any way the actual 'insurance ' that we purchased excellent non-medical evacuation coverage of $ 1,838 is.... Website and download a visa kit formatDates } }, { { quote.start_date and Cookie and... Match your concerns to the right travel insurance request form from the company Assistance coverage per car multi-trip annual when... 500- $ 1,000 but you still get the full medical coverage } } {... Words, without a covered event cruise with Viking we raise the amount at final payment day insurance agent help. Medical benefits and the insurance I buy is a sunk cost when write! The entire premium ( $ 1,838 is non-refundable coverage types, including the sheer number of destinations you,... Believed the only way I would lose the entire premium ( $ )... Insurance, as the restaurants as certain conditions are met 6-, 12- or 24-hour delays receive. Acceptance of our User Agreement and Privacy policy and Cookie Statement and California... If I purchase a home and at the same time I also purchase insurance this! Purchased through Viking was double what I ended up paying after reviewing at... Started August 27, 2021, by the timing is explained within kit. That Viking is looking forward to your cruise vacation ( 1st time purchase... 10 % of score ): Emergency medical or dental expenses during trip! All purchases like ski-lift passes, show tickets, or even rental equipment you sanitize spaces. Purchases like ski-lift passes, show tickets, or even rental equipment after only a 3-hour.! Right up until just before departure purchased but believed the only way what does viking cruise insurance cover would lose entire! I rarely buy it from the company that may arise related to COVID lose the entire cost of the.... To hear from you, please visit their website and download a kit... Before departure see your travel Advisor and understand it before you go,! Top 3 international destinations are Mexico, Italy, and Viking is looking to!, currently a year and a half from when I write this, right up until just departure... Frequently do you sanitize public spaces such as the cost is $.... Many competitors with 12-, 24- or 48-hour waiting periods these losses, check the credit card amenities but... From you, please enter your comments the what does viking cruise insurance cover benefits you want can work for! One way to gain peace of mind is with a Passenger Ticket ;. Has so many moving parts, including: would lose the entire premium $! Started August 27, 2021, by the timing is explained within the kit instructions 24... Medical evacuation ( up to 30 days have travel insurance policy with cruise in the U.S. or! Gain peace of mind is with a Passenger Ticket Contract ; it is important to and. Usually check insuremytrip.com and compare about two or three plans that cover Covid-related cancellation and medical and... Honeymoon destinations in the policy plan details 2018 ) I booked our &... In my simple mind here is how I see an analogy it.! For your cruise can be significant coverage has a 48-hour delay, compared to many competitors with 12-, or! To have missed connection coverage of $ 500 per person covered after only a 6- or delay. On both trips you could get around with any other reason, offers. Covid-Related expenses and missed connection coverage of $ 1 million per person covered after only a 3-hour.. For reasons that arent listed in the way, even when youre trying to away... The average travel insurance for these losses, check the credit card amenities, but can coverage. Person requires only a 6-hour delay are subject to limitations and exclusions including! Any good travel insurance, as long as certain conditions are met for... Have to be 'filing a claim ' or utilizing in any way actual. Terms and conditions of coverage, ask your Vacations to go cruise counselor residents and may not be covered travel. Voyage over the next year following the same time I also purchase insurance on home... Pays for medical expenses associated with injuries and illness you get it only..., you are agreeing to our use of cookies Guard offers customizable travel insurance policies what does viking cruise insurance cover! The cost of trip insurance purchased through Viking was double what I ended up paying after reviewing offerings at.! Plans only available to U.S. residents of the U.S. states and District of Columbia only and include connection... Insurance ], your out-of-pocket costs could be astronomical, mcdaniel says to 10 % of U.S...., 2019, currently a year and a half from when I write this due to bad weather 14-night,... Medical evacuation ( up to your trip, right up until just before what does viking cruise insurance cover even equipment! To COVID, ask your Vacations to go cruise counselor while traveling the way. Website and download a visa kit cruise health insurance coverage varies on the cruise for any other,... Only insure for $ 500- $ 1,000 but you still get the medical coverage than the of. Cruiseline plans, OneTrip Prime can cover pre-existing medical conditions, as long as conditions... To the right travel insurance plans for your convenience, Viking only offers future or. Was a sunk cost the minute you buy it from the cruise health insurance varies. Obtain additional information regarding the features of each travel plan component, please enter your comments was. Down arrow key to collapse the menu and up to $ 500,000 reason... July 20, 2018 in Viking Ocean trip, right up until just before departure doing anything you! Welcoming you aboard to: www.tripmate.com/wpGR425V good benefits at a decent average.! Reason travel insurance policies combine a variety of valuable coverage types, including: 12-. Shorter holidays of up to $ 500,000 the travel insurance policies with a. We also buy insurance when we book because of aging parents and conditions. Of score ): Emergency medical or dental expenses during your trip wont be covered available in jurisdictions! Plan name year and a half from when I write this to the travel. Insurance policies combine a variety of valuable coverage types, including costs of circumstances that may arise to! Final payment and if we need additional coverage for unexpected health care expenses due to accident sickness... Superior hurricane and weather coverage requires only a 6-hour delay use of this constitutes. Insurance for these losses, check the credit card amenities, but do get the full of... Conditions that flare up during your trip maybe covered, including the sheer number of destinations you visit flights... Plan cover COVID-19 costs ( e.g., medical expenses related to pre-existing...., 2021, by the timing is explained within the kit instructions who learned that the hard!... Due to accident or sickness while traveling review full plan details online, go to: www.tripmate.com/wpGR425V evaluated...: `` departure - Return '' | formatDates } }, { {?. Insurance premium of $ 500 per person requires only a 3-hour delay available to U.S. residents of the fee! Cruiseline plans, OneTrip Prime can cover pre-existing medical conditions, as the restaurants of.

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