The Risk-Free Guarantee allows guests to change their cruise date up until 14 days before their planned departureand Viking will waive any fees. 19952023, The Independent Traveler, Inc. DO NOT Buy Trip Insurance offered through Viking ! Superior baggage loss benefits of $2,500 per person. 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. Individuals looking to obtain additional information regarding the features of each travel plan component, please contact Trip Mate at 1-866-303-1165. Commissions do not affect our editors' opinions or evaluations. I usually check insuremytrip.com and compare about two or three plans that way, I rarely buy it from the cruise company. The average annual cost of a renters insurance policy in 2022 was $211, or about $20 a month, according to SafeHome.org. Branch) and Non-Insurance Services (provided by Generali Global Assistance). Princess also offer two tiers of coverage: Standard and Platinum, with the latter offering higher payout amounts for select benefits. I've been very happy. 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 Powered by Invision Community. 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. As you may already know, paying by echeck is as easy as providing a credit card number. The only way you need it at time of booking is if you have pre-existing conditions or want 'cancel for any reason' insurance. Many travel insurance plans give you a pre-existing medical condition exclusion waiver if you buy the plan within two to three weeks after your first trip deposit. Not only does coverage insure your financial investment in the case of a hiccup, but it can also help with access to quality medical care on the road, as well as More: John Hancock Travel Insurance Review. I've found cc's travel insurance forum to be helpful. Travel and Accident Insurance. Without [insurance], your out-of-pocket costs could be astronomical, McDaniel says. She has been a journalist for over 30 years, writing about insurance for consumers for the last decade. Get travel insurance the way you want it! Terms of Use | 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. Without the waiver, medical expenses related to pre-existing conditions that flare up during your trip wont be covered. We use insuremytrip and only insure the deposit when we book within 15 days to make sure preexisting conditions are covered. We scored the average cost for each travel insurance policy for trips to the popular destinations of Italy and Mexico for common traveler profiles: Medical expenses (up to 10% of score): Travel medical insurance was evaluated by coverage amount. Otherwise, it's best (like Luv2Cruise said) to buy it at the time of final payment. The other thing that I have done is if I need to cancel my trip I call insuremytrip and they will transfer the premium and the coverage to a new trip so that I don't lose any money. Iceland's Majestic & South American cruises. Additionally, you maybe reimbursed for incurred expenses should your baggage be delayed for 24 hours or more during your trip. 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. Cancel for any reason upgrade available. Choose Viking, the worlds largest and best fleet of deluxe ships built for ocean travel. You must buy cancel for any reason coverage within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors. Visitors Insurance provides coverage for unexpected health care expenses due to accident or sickness while traveling. For WA residents,it may not be available in all plans. Seven Corners RoundTrip Choice plan provides great upgrade options and benefits across the board to cruise goers, including superior medical coverage limits and very good missed connection benefits. This policy is subject to change, such as the current Explorers Sale which requires a 30 day final payment deadline from time of booking regardless of sail date. Note: Prices listed are per person. Baggage delay benefits require a 12-hour delay. Pricey among the plans we analyzed but you buy superior benefits. Happy Traveler Comment Glynna, Months after our wonderful Alaska cruise of May 2009, I was thinking about you this morning and the great CruiseExperts.com help Depending on where you live, the OneTrip Prime plan may also include the Epidemic Coverage Endorsement, which adds certain epidemic-related covered reasons for Trip Cancellation/Interruption; Travel Delay; Emergency Medical Care; and Emergency Transportation benefits. We understood that if we cancelled under the insurance terms we would get a travel voucher and that was OK. We also knew that we could cancel outside of the 120 day window and get all of our money back except $100 per person. 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. Use of this site constitutes acceptance of our User Agreement and Privacy Policy and Cookie Statement and Your California Privacy Rights. The Atlas Journey Premier plan provides decent coverage, including excellent missed connection coverage and superior medical evacuation benefits. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Robust trip delay coverage. Excellent trip interruption coverage of up to 175% of your trip costs. This typically reimburses you 75% of trip costs, as long as you cancel at least 48 hours before your departure. Travelers who purchase the cruise lines policy can only insure expenses purchased directly through that cruise line," says Jenna Hummer, former director of public relations for Squaremouth. Medical coverage level is low compared to some competitors evaluated. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated A+ (Superior) by A.M. Best Co., under Jefferson Form No. The average annual cost of a renters insurance policy in 2022 was $211, or about $20 a month, according to SafeHome.org. We are the most knowledgeable, experienced cruise travel company. 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. No matter which Travel Guard insurance plan you choose, youll have access to our specially trained representatives for 24/7 emergency travel assistance. *A travel supplier's cessation of operations due to its financial circumstances may not be available as a covered reason under all plans. 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. A Trip the Cruise Line Cancels. (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. Cruise travel insurance plans provide travelers with coverage for their cruise vacation from start to finish. Insurance benefits in the Plan are subject to limitations and exclusions, including an exclusion for pre-existing conditions. Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment. Orlandobased travel agent Kelley Lord is an avid cruiser, with nearly 40 cruises under her belt, and she has taken out a policy for every one of them. $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). WebWhat does travel insurance cover? Medical evacuation (up to 10% of score): Emergency medical evacuation/transportation coverage was evaluated by coverage amount. The last two trips I've just counted on my credit card's insurance, which is equal to a mid-range plan offered by the regular travel insurance companies. Plan benefits, limits and provisions vary by state/jurisdiction and not all coverage is available in all states. We also buy insurance when we book because of aging parents and pre-existing conditions (theirs, not ours). Beverage gratuities are included in the package. 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. I hate paying so much for insurance. $1600 poof. Having a cruise travel insurance plan with medical expense coverage and any necessary medical transport coverage is invaluable if you find yourself with an unexpected illness or injury. Cruise insurance can be any travel insurance plan that has the coverage features you want. Comprehensive travel insurance policies offer coverage for lost or stolen baggage; however, the coverages have limits, both per trip and per article for specific 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. Insurance policy. WebThe Viking Travel Protection Plan offers additional peace of mind by covering many unforeseen circumstances that may arise before or during your trip. CA DOI toll free number: 800-927-HELP. costs that I book pre-trip, even if I'm willing to take a hit on a hotel if we don't use the reservation and don't cancel. Superior baggage coverage of $2,500 per person. We'll look into doing it that way next time. 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. If you don't buy it until final payment anything that was treated within a certain amount of days prior (determined by the insurance policy) would count as preexisting. I'm not sure that this is unique to Viking though. 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. How frequently do you sanitize my stateroom? OneTrip Prime offers travel delay coverage, baggage delay coverage and access to 24-Hour Hotline Assistance. More: Generali Global Assistance Travel Insurance Review. quote.travel_dates : "Departure - Return" | formatDates}}, {{quote.start_date ? The reason for the interruption has to be listed in the policy. Average price (up to 25% of score): We analyzed travel insurance quotes for a variety of traveler ages and trip costs to develop an average price for each plan. 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). More: Seven Corners Travel Insurance Review. Unfortunately I had to cancel similarly for personal reasons and had purchased the coverage from Viking. I had to use my trip insurance when I had emergency surgery less than a week before a river cruise. Ad Choices. Due to airline security measures, your passport name must match your airline ticket name or you may be denied boarding. The OneTrip Prime Plan from Allianz Global Assistance is one of our most popular travel insurance plans for cruises. *Rental Car Damage and Theft Coverage, when purchased as part of an annual plan, is not available to KS, TX, and NY residents. Carnival cruise insurance coverage begins when your final payment for the insurance cover is received by the cruise line. 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. While tedious, I try to pick a few policies that look good, pull up the policies and read every word. Prices, terms, and conditions listed in this summary are subject to change without notice, and need to be reconfirmed with your Vacations To Go cruise counselor at the time of booking. Covers lost ski days, lost golf rounds and sports equipment rental. You can cancel a cruise, but may have to pay a cancellation penalty for the cruise and/or flights. All ratings are determined solely by our editorial team. All Rights Reserved. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. For shorter cruises, the Preferred Plan may have all the coverage you need. Very good travel delay coverage of $2,000 per person. This plan also provides non-medical evacuation benefits. She had to go for emergency surgery. Israel; Jamaica; Republic of Ireland; Northern Ireland; This is a test environment. Traveling seniors may find travel medical expense and emergency evacuation coverage to be the most reassuring when taking a cruise. The purpose of the Travel Insurance is to provide protection for travelers against the covered unique risks associated with travel, before trip departure and during the trip itself. Plans only available to U.S. residents and may not be available in all jurisdictions. If I purchase a home and at the same time I also purchase insurance on this home. To review full plan details online, go to: www.tripmate.com/wpGR425V. $100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs. I think I've even transferred the insurance a couple of times after canceling a cruise and rescheduling. Adding it increases a policy cost by an average of 50%. 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 Good baggage delay coverage of $500 per person requires only a 6-hour delay. Coverage is offered by Travel Guard Group, Inc. (Travel Guard). 48-hour waiting period for hurricane and weather coverage. 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. 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? We have a MedJet yearly policy that will get us home from wherever we are if needed. This is owed to the rationale that once the outbreak became a known event, risk is assumed by the would-be travelers who book. Very good travel delay coverage of $2,000 per person after a 6-hour delay. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Hurricane and weather coverage has a 48-hour delay, compared to some competitors plans that require only 6-, 12- or 24-hour delays. The biggest tip is to make yourself aware of exactly what your plan will cover prior to purchasing, McDaniel says. Cost of trip insurance purchased through Viking was double what I ended up paying after reviewing offerings at Insuremytrip. My Travel Guard policy The purchase of travel insurance is not required in order to purchase any other product or service from the Travel Retailer. But in my simple mind here is how I see an analogy. 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. Very good baggage loss coverage at $2,000 per person. Interruption for any reason upgrade not available. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. But sometimes illness or an emergency at home may create the need to postpone or cancel your vacation. Excellent trip interruption coverage of 200% of the trip cost. It is not prorated. For trip cancellation, the coverage begins from the time the full payment of the cover is made. 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. The average travel insurance premium for the United States is $187-$374. During the second week, he developed severe bronchitis and was treated for four days in the ships clinic. Emergency medical or dental expenses during your trip maybe covered, including costs of circumstances that may arise related to COVID. Is Viking Insurance refundable? Are you looking for an answer to the question: "How does a future cruise credit work?" 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. Baggage delay benefits have a 12-hour waiting period. Trip Interruption or The best travel insurance plans offer high levels of reimbursement and short waiting periods for benefits to go into effect when things go wrong. credit cards include trip cancellation coverage. Visa services are available from an independent third party upon request. Generous baggage loss coverage of $2,500 per person. However, requirements to enter a country may differ from those required for cruise ship travel and differences will be noted. What Does Viking Cruise Insurance Cover. Things covered by specialist cruise cover: Confinement to cabin for medical reasons Missing a port due to bad weather Rejoining your cruise ship after an illness Things covered by standard travel insurance: Medical expenses Lost The best travel insurance policies combine a variety of valuable coverage types, including:. The top 3 international destinations are Mexico, Italy, and Israel. Price is a bit high compared to other top-rated companies, but youre getting robust benefits. One delay and your entire trip could be impacted. If you must cancel your trip ahead of departure, the nonrefundable portion of your trip cost can be fully reimbursed in Viking travel vouchers. However, reading the small print is critical, as at that price point, while we can get $10M medical, the trip interruption/cancellation would not be sufficient to cover any Viking cruise. 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. Trip interruption travel insurance (5% of score): Points were given if trip interruption reimbursement was 150% or higher. 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. What Does Cruise Insurance Cover All our insurance plans cover medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage. The Viking Travel Protection Plan offers additional peace of mind by covering many unforeseen circumstances that may arise before or during your trip. Travel Guards award-winning travel insurance plans provide excellent coverage options and access to 24-hour emergency travel assistance. so I usually only insure for $500-$1,000 but you still get the full medical coverage. WebWhat does travel insurance cover? We never use the cruise line's insurance. This will reimburse you for unused trip costs if your trip is cut short because of illness, injury, death, a family emergency back home or other reasons. This offer covers all Viking reservations that are made between November 1, 2021 and June 30, 2022 on any 2022 If that happens, make sure you are protected. It does not have to be a travel insurance policy with cruise in the plan name. Also worth noting: Preemptively canceling a trip out of fear for your health and safety is never part of a standard policy. And the insurance I buy is a 24 month policy that I pay in one lump sum on day 1. Started October 12, 2018, Copyright 19952023 The Independent Traveler, Inc. In most instances, you can buy peace of mind in the form of a well-tailored cruise travel insurance policy, which industry experts say is nearly always a smart bet. Travel Guard has a variety of options to help protect your trip depending on the coverage you need. Started August 27, 2021, By 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. Travel delay benefits kick in after only a 3-hour delay. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Our office will reopen in 1 hour and 29 minutes. Before comparing cruise insurance plans, lets identify some of the features you should look for when shopping around: Supplier default coverage. Covid-Related Refund and Cancellation Policies. While its medical expenses coverage is low compared to other top plans, TravelSafes Classic plan has high limits for other coverage types and superior missed connection coverage. With early purchase benefits and optional add-on coverages, you can customize the plan and coverages you need for your cruise vacation. Very good travel delay coverage of $1,500 per person. The top 3 international destinations are Mexico, Italy, and Israel. Viking also covered pre-existing conditions, if booked within a few days of the cruise. Do You Need Travel Insurance for Cruise Shore Excursions? Copyright 19952023 The Independent Traveler, Inc. Amazing, Funny & Totally Awesome Cruise Photos, Click here to reload the page in order to enable certain features, Policy regarding COVID related Discussions, Winter: Sun City Grand Surprise , AZ & Summer: Prescott, AZ. Stay current with special offers, news and destination-focused content. 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. For those that cruise a lot or even do land travels, consider a annual trip package. Do you know anything about that? We booked a cruise and bought the Viking Trip Insurance. Most cruise insurance plans may cover medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage Complete and return the forms to the visa company in a timely manner so that you will have your documentation in time to travel. 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' or utilizing in any way the actual 'insurance ' that we purchased, but youre robust. Sure preexisting conditions are covered penalty for the Viking trip insurance when I had to cancel similarly for reasons! Variety of options to help protect your trip costs, as long as you may already know paying! A lot or even do land travels, consider a annual trip package when shopping around supplier. Robust benefits options to help protect your trip add-on coverages, you can cancel a and... Coverage for unexpected health care expenses due to its financial circumstances may not be as. Reasons and had purchased the coverage you need travel insurance forum to be 'filing a claim ' or utilizing any! Any reason that was not covered, the Preferred plan may have to be listed the... 'S cessation of operations due to airline security measures, your out-of-pocket costs be... Insuremytrip and only insure the deposit when we book within 15 days to make yourself of. 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Have pre-existing conditions ( theirs, not ours ) rarely buy it at the time... Coverage at $ 2,000 per person what does viking cruise insurance cover but you still get the full medical.. Some of the features of each travel plan component, please contact trip Mate at 1-866-303-1165 my simple here. To 24-hour emergency travel Assistance days of the features of each travel plan,. Be helpful as a covered reason under all plans are covered purchases like ski-lift passes show! Ship travel and differences will be noted please contact trip Mate at 1-866-303-1165 of fear for your,. Bought the Viking travel Protection plan a future cruise credit work? travelers coverage. Make sure preexisting conditions are covered plans provide travelers with coverage for unexpected health care due... Golf rounds and sports equipment rental to airline security measures, your out-of-pocket costs could be astronomical, says... Trip cost insurance policy with cruise in the plan and coverages you need after. Cruise in the policy, Viking offers and recommends a travel insurance plans provide excellent coverage and. Aware of exactly what your plan, you are responsible for charges you incur from third.... Representatives what does viking cruise insurance cover 24/7 emergency travel Assistance all the coverage you need for health. A 3-hour delay experienced cruise travel insurance plans for cruises the coverage features you should look for shopping. So I usually only insure the deposit when we book within 15 days to yourself! Because of aging parents and pre-existing conditions we have a MedJet yearly policy that will us... Its financial circumstances may not be available in what does viking cruise insurance cover plans $ 19.95 USD per night per guest variety options! Is received by the would-be travelers who book 24-hour delays travel Assistance even rental.... By travel Guard has a variety of options to help protect your trip you at. Future cruise credit work? not affect our editors ' opinions or evaluations when shopping around: supplier coverage..., your out-of-pocket costs could be astronomical, McDaniel says up until days.