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Even if you cancel your trip due to a non-covered reason, the Plan may still allow you a refund of your cruise fare. The non-refundable cancellation provision enables a refund of your cruise fare if your trip cancellation is for a reason not covered by the cancellation penalty waiver. The Vacation Protection Plan includes a cancellation penalty waiver for your cruise fare if your trip is canceled due to a valid reason. This feature ensures a refund of your cruise fare if your trip cancellation is due to a covered reason. Cruise Hive was established back in 2008 and among the earliest blogs in the industry. Since the start, it's been our aim to provide the latest cruise news covering all the major cruise lines.
Can you add cruise protection after booking?
If you are planning on purchasing travel insurance through Royal Caribbean or Celebrity Cruises, they are raising the price of their policy effective June 1, 2023. Smith said browsing beyond the cruise line's offerings can help travelers find deals on insurance. "If you shop around, sometimes you can't actually find a better rate," he said. The value of a given policy is also dependent on the kind of coverage a traveler wants. Morrow said travelers should first ask themselves if they want cash or credit. "A lot of the cruise line insurance, it's not (that) you get a refund. It's (that) you get cruise credit for a future cruise," she said.
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Types of coverage offered by cruise travel insurance
Balcony rooms tend to be larger, so you may not feel as claustrophobic. And also, you get your own private outdoor area where you can sit, listen to music, read, and stare at the ocean without having to deal with the bustle and crowds that cruise ships are known for. But of all the activities the new world's largest cruise ship has to offer, my eight favorites are, for the most part, ones I've yet to see on another vessel. There's a reason Royal Caribbean's new mega-cruise ship is only operating seven-night sailings. It's seen the highest ticket revenue increase relative to 2019 out of the big three cruise giants. Carnival and Norwegian both trade more than 50% lower than their 2019 levels.
Royal Caribbean Travel Insurance - 2024 Review
That is why they offer their own travel insurance package whenever a customer books a cruise with Royal Caribbean. The Annual Policy provides a cost-effective way to safeguard your travel investments for multiple trips throughout the year. However, as with the ATC, it has exclusions and limitations, so review the plan details carefully before purchasing.
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CANCEL FOR ANY REASON2
The U.S. Travel Insurance Association says about 90 percent of claims are honored. The Royal Caribbean Travel Protection Program does not cover Pre-Existing Conditions inside the Look Back Period of 60 days. Instead, Americans receive treatment at private hospitals, not public, and must pay like anyone else. Admission for inpatient care can cost $3,000-$4,000 per day, plus the cost of treatment, x-rays, surgeries, and specialists. A Trip Interruption is a situation during your trip that causes you to miss some or the rest of your vacation.
Trip Cancellation – The most basic coverage with cruise insurance, trip cancellation protection allows you to get your money back that you’ve paid for your trip if you cancel for specific, predetermined reasons. This coverage doesn’t allow you to get repaid if you just decide to cancel because you don’t want to go (though there are policies that can do that). One "catch" with credit card protections is you must pay for the trip (sometimes completely) with the credit card you want to use for the benefits. You should also compare coverages against a regular travel insurance plan.
For instance, if your trip doesn’t go as planned, but you don’t suffer an actual loss, then you won’t be able to make a claim. If it pours rain an entire day that you are in port and you can’t even get off the ship, your travel insurance won’t cover the loss of a day of vacation. Weather is not covered unless it causes an actual interruption to the cruise. Most people will purchase a single trip insurance plan, where they want coverage for a specific vacation they are taking. There are also annual plans that are ideal for someone that vacations a few times per year. There's also some plans that have a "cancel anytime" option, which allows the insured person to have the coverage kick in for a reason not covered by the plan.
How much does it cost?
We examined cruise insurance prices for a seven-day trip in February 2023 from the U.S. to Mexico. The example traveler was 35 years old, from Georgia, and planned to spend $2,500 on the trip, including airfare. Smith advised travelers to weigh the pros and cons of policies provided through the cruise lines against those they can purchase through a third party.
The cost of cruise travel insurance
We receive a small commission if you buy travel insurance through the links included in this article, at no cost to you. Erica Lamberg is a personal finance and travel writer based in suburban Philadelphia. She is a regular contributor to USA Today and her writing credits include NBC News, U.S. News & World Report, Business Insider, Oprah Magazine and Creditcards.com. Even if your cruise line isn’t requiring proof of travel insurance, it can be a smart buy for any cruise passenger because of the multi-leg nature of a cruise. Many passengers partake in active activities on a cruise vacation that they may not do often at home, such as jet-skiing, zip lining, kayaking, and horseback riding.
The cruise line doesn't own or operate the insurance, they simply offer it to its passengers as a courtesy. Depending on which policy you choose, there are a great deal of coverages available with a plan purchase. In all of those scenarios, they would occur in the final days or hours before your cruise begins, and if you tried to cancel your cruise, Royal Caribbean would offer you no refund. In the Royal Caribbean Travel Protection Program, Trip Interruption benefits share the same short list of covered reasons as Trip Cancellation.
When it comes to refunds, we always prefer cash since future credits may not be used. For instance, suppose you’ve booked a week-long cruise with Royal Caribbean, and on the third day, you fall ill, necessitating an early return home. Without trip interruption coverage, you would bear the costs for the remaining days of your cruise, as well as any extra expenses you may incur in order to get home. With trip interruption coverage, however, you could receive reimbursement for the unused portion of your trip and any additional expenses that arose due to the interruption. Should you need to cancel your prepaid Royal Caribbean cruise vacation for a covered reason, you might be eligible for a refund of your cruise fare.
They work under Policy Form series LTP 2013 and relevant amendatory endorsements. However, if your travel plans are flexible or you’re not worried about unforeseen events, you might not need the plan. The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters.
For most people, however, we suggest looking at a site like InsureMyTrip.com. As mentioned earlier, if you are buying through the cruise line, you can purchase coverage at the same time that purchase your trip. Also, it’s important to understand that your benefits are less any refunds you might receive otherwise. So if your cruise is cancelled and the cruise line refunds your fare, you won’t be able to claim the cruise fare as a loss.
These are the sort of policies a travel aggregator website will include. In short, save receipts for everything, and ask for documentation for any medical or travel expenses. If you ever need to use your policy, there are important things to do so that you can have your claim covered.
One of the most important factors in selecting trip insurance is having adequate Medical Insurance when you travel. Aon Affinity, a division of Aon, specializes in tailoring insurance solutions for clients across various industries, including travel and hospitality. The Royal Caribbean Travel Protection Program is underwritten by Arch Insurance Company, based in Jersey City, NJ.
If you choose to make your own air arrangements or book air through our online ChoiceAir Travel Program you may wish to purchase ground transportation to the ship. Transfers are available for pre-purchase from the arrival airport to the pier on day of sailing and from the pier to the departure airport on debarkation day only. It is recommended that transfers are purchased two weeks prior to sailing. Please remember we require your flight information in order to promptly meet all guests. Royal Caribbean offers easy-to-purchase ground transfers to and from the cruise ship — just leave the details to us. Leave the driving to someone else for a change, and start your vacation early with a smooth ride to the ship.
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