Unfortunately I had to cancel similarly for personal reasons and had purchased the coverage from Viking. 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. Get Forbes Advisors ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs. It has been updated with new information. This coverage typically reimburses you 75% of trip costs. 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. However, Travelex told me I would lose my pre-existing coverage if I don't report (and pay for increased coverage if applicable) all hotel, train, etc. Things can go wrong after youve made that final deposit, and without travel insurance, youd likely lose that payment, says Colleen McDaniel, editor-in-chief of cruise review and community site Cruise Critic. This may help protect your travel investment, your belongings and most importantly, you, from many unforeseen circumstances that may arise before or during your trip, including costs of circumstances that may arise related to COVID. I doubt that Viking is doing anything that you could get around with any other insurance company. Whether its your first voyage or youre a cruise veteran, having the right travel insurance is important. Even to a different cruise line. That's correct and well documented in the insurance Terms and Conditions. Unfortunately I had to cancel similarly for personal reasons and had purc More: HTH Worldwide Travel Insurance Review. I usually check insuremytrip.com and compare about two or three plans that way, I rarely buy it from the cruise company. Some credit cards include trip cancellation coverage. Coverage is offered by Travel Guard Group, Inc. (Travel Guard). Is it worth it? $46 for her as she is 64 and $79 for him, 81. quote.start_date : "Date"}}. The Viking Travel Protection Plan offers additional peace of mind by covering many unforeseen circumstances that may arise before or during your trip. Insurance benefits in the Plan are subject to limitations and exclusions, including an exclusion for pre-existing conditions. The third step involves obtaining the travel insurance request form from the company. The insurance is great for the medical but there was essentially nothing left on the trip interruption as, understandably, as the trip progresses your insurance interruption coverage diminishes. Interruption for any reason upgrade available. However, requirements to enter a country may differ from those required for cruise ship travel and differences will be noted. All rights reserved. After we returned home, I submitted all bills for which we were paid very quickly. Very good travel delay benefits of $2,000 per person after only 5 hours. The coverage that most people are aware of is trip cancellation, which provides reimbursement for unused, non-refundable, prepaid trip costs if you need to cancel your trip for a covered reason, such as sickness, job loss, flight cancellations due to adverse weather and more. We are the most knowledgeable, experienced cruise travel company. I hate paying so much for insurance. WebReimbursement may be available up to $500 ($150/day) for the cost of additional accommodations and traveling expenses if you are delayed en route to your trip For your convenience, Viking offers and recommends a Travel Protection Plan. Use down arrow key to expand the menu and up arrow key to collapse the menu and hit enter to select the link. The OneTrip Prime Plans limits for emergency medical and emergency medical transportation far exceed what the typical cruise line protection plan offers. All rights reserved. This morning I've talked with 'TripMate' (the insurance company Viking uses for this) and the rep (who really didn't know the answer and had to put me on hold to 'ask a supervisor') and said that that is the case. Past performance is not indicative of future results. That vision doesn't factor in missed flights, lost bags, or medical mishaps. Travel and Accident Insurance. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Would I not be entitled to a return of principle (or a refund) on the remaining, unused 18 months of insurance considering that I'm no longer the owner of this asset? 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. This typically reimburses you 75% of trip costs, as long as you cancel at least 48 hours before your departure. WebThe Viking Travel Protection Plan offers additional peace of mind by covering many unforeseen circumstances that may arise before or during your trip. My Travel Guard policy doesn't have cancel for any reason, but the all-important medical evacuation coverage is double Viking's. 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. 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. What Does Viking Cruise Insurance Cover. Accordingly, while some insurers honored claims associated with the onset of the epidemic, almost none are paying out trip cancellation claims for travel or policies booked after late January (with specific cutoff dates ranging between January 21 and January 27, according to travel insurance comparison site Squaremouth). 19952023, The Independent Traveler, Inc. DO NOT Buy Trip Insurance offered through Viking ! The biggest tip is to make yourself aware of exactly what your plan will cover prior to purchasing, McDaniel says. * WaveCare then adds to these standard coverages a cruise disablement fixed benefit a payment for your inconvenience if your cruise is disabled and unable to 48-hour waiting period for hurricane and weather coverage. We still LOVE Viking..BUTIMO, DON'T BUY TRIP INSURANCE THROUGH VIKING. WebThe travel insurance for cruise trip pays for the medical treatment for any sickness or accident that one can encounter during the trip. What Is Carnivals Coverage Scope. By The Generali Premium plans cancel for any reason coverage reimburses only 60% of trip costs, compared to 75% with many competitors. 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. Please correct the validation errors above before proceeding. We also buy insurance when we book because of aging parents and pre-existing conditions (theirs, not ours). 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. Visitors Insurance provides coverage for unexpected health care expenses due to accident or sickness while traveling. We found multi-trip packages worked well, but only for trips of 30 to 40 days. Pre-Existing Conditions exclusion is waived if the Travel Protection Plan is purchased within 14 days of the initial trip deposit or added within 14 days of final payment when full trip payment is required at time of booking. Working with Travel Guard could not have been a better experience at a very stressful time. In March 2017, my husband and I took a two-week Caribbean cruise. I usually buy trip insurance from tripinsurancestore.com and have been happy. Iceland's Majestic & South American cruises. Medical coverage is lower than most other top-rated plans but might be sufficient for your needs. Because you could develop one after you book your cruise. 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. Travel Guard has a variety of options to help protect your trip depending on the coverage you need. A cruise vacation has so many moving parts, including the sheer number of destinations you visit, flights, and hotels bookings. By Insurance Site January 17, 2023. Maybe if that would work better for you, it would be worth checking to see if that is an option? 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 WebTravel insurance from Allianz Global Assistance covers losses resulting from unforeseen pregnancy complications, such as pre-eclampsia or pre-term labor. For shorter cruises, the Preferred Plan may have all the coverage you need. 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. As far as I understand the medical is the same whether you insure the trip for $10,000 or $500. If that happens, make sure you are protected. Cancel for any reason upgrade available. Travel delay and baggage coverage kicks in only after a 12-hour delay. That's correct and well documented in the insurance Terms and Conditions. Trip Interruption or Your financial situation is unique and the products and services we review may not be right for your circumstances. The material on this site may not be reproduced, distributed, transmitted, cached or otherwise used, except with the prior written permission of Cond Nast. For full terms and conditions of coverage, ask your Vacations To Go cruise counselor. Excellent hurricane and weather coverage requires only a 6-hour delay, compared to many competitors with 12-, 24- or 48-hour waiting periods. Iceland's Majestic & South American cruises. Before comparing cruise insurance plans, lets identify some of the features you should look for when shopping around: Supplier default coverage. WebVisitor insurance USA is travel insurance that can be purchased for travel in the US and for travel outside ones home country. Malta Travelers can compare and buy the best US travel insurance plans at American Visitor When considering travel insurance plan options, its important to remember that your U.S. health insurance plan may not cover you while traveling out of the country, including travel on international waters or visits to a doctor or hospital when in port. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter. 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. 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. Excellent baggage loss coverage of $2,000 per person. Superior hurricane and weather coverage with no waiting period. The Policy will contain reductions, limitations, exclusions and termination provisions. (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.) Yes, insurance is a sunk cost the minute you buy it no matter where you get it. I usually check insuremytrip.com and compare about two or three pla CST 2072920-50, Over 8 million happy customers since 1984. 19445. The top travel insurance plans have $500,000 in travel medical insurance, but you might find $150,000 to be sufficient for a cruise. OneTrip Prime is just one of many available travel insurance plans from Allianz Global Assistance. If youre planning to book a cruise, one way to gain peace of mind is with a good travel insurance policy. Insurance concept. Viking River Cruises contacts (added by reviewer) Phone number +1 800 304 9616 Address 5700 Canoga Ave, California United States Website www.vikingrivercruises.com Category Cruise Lines View full information Most discussed complaints 10 9 7 5 3 Viking River Cruises alternatives Royal Caribbean Cruises The average travel insurance premium this week is $336.52. 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 Except as expressly provided under your plan, you are responsible for charges you incur from third parties. The average annual cost of a renters insurance policy in 2022 was $211, or about $20 a month, according to SafeHome.org. My father just came off a Regent cruise and his girlfriend fell the night before they disembarked. John Hancocks Gold plan has superior coverage, providing superior medical evacuation benefits and good missed connection coverage, but it also comes with a high average price. Finding the best business travel insurance for business travelers. We'll look into doing it that way next time. To find the best As a result, we have purchased Travel Guard three times since and will continue to be loyal customers. Complete and return the forms to the visa company in a timely manner so that you will have your documentation in time to travel. Cancel for any reason travel insurance (up to 10% of score): Policies offering a cancel for any reason upgrade earned points. 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. Be sure your email account is set up to receive communications from Viking so that these messages can find their way to you. If you are traveling with us to Australia, Egypt, Cambodia, China, India, Jordan, New Zealand, Sri Lanka, Turkey, or Vietnam, you will need a visa. Something went wrong. What Does Cruise Insurance Cover All our insurance plans cover medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage. Last year we had to postpone our sailing to this year. U.S. health plans may have very limited or no coverage when youre outside the U.S. And Medicare doesnt cover medical care outside the U.S., with only very narrow exceptions. Yes! Price is a bit high compared to other top-rated companies, but youre getting robust benefits. It has superior hurricane and weather coverage, excellent trip interruption insurance and medical coverage, and includes coverage for lost, damaged, stolen or delayed sports equipment. Type the country where you will be spending the most amount of time. In fact, cruise lines and 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 Baggage delay coverage is good at $500 per person but requires a 12-hour delay for benefits to start. Generous emergency medical and emergency medical transportation benefits. What Does Travel Insurance Cover? Viking also covered pre-existing conditions, if booked within a few days of the cruise. While $150,000 in medical expense coverage is on the low side, Nationwides Cruise Luxury plan provides an array of other generous benefits at a decent price, including superior missed connection coverage. 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. 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. Page of AIG Travel agrees. The only way you need it at time of booking is if you have pre-existing conditions or want 'cancel for any reason' insurance. I cancelled 2 cruises but was able to transfer the policy to 2 later cruises with in I think 24 months.. When it comes to providing cruise insurance, Allianz Global Assistance is not the only boat in the harbor. Disney also offers 24/7 global assistance a must-have for travelers cruising with small children in tow.4, Princess Cruises recently refreshed its Vacation Protection program. Top-notch emergency evacuation coverage of $1 million per person. You may use echeck to pay for your Viking cruise or cruisetour, and for airfare. We have a MedJet yearly policy that will get us home from wherever we are if needed. To review full plan details online, go to: www.tripmate.com/wpGR425V. She had to go for emergency surgery. 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. Many cruise lines also offer travel insurance plans. Provides coverage for non-medical evacuation at $25,000 per person. Choose Viking, the worlds largest and best fleet of deluxe ships built for ocean travel. Baggage delay benefits have a 12-hour waiting period. More: John Hancock Travel Insurance Review. Without the waiver, medical expenses related to pre-existing conditions that flare up during your trip wont be covered. Click hereto see details of the Go Plan from Generali Global Assistance. This site uses cookies to improve your user experience and analyze site traffic. Additionally, you maybe reimbursed for incurred expenses should your baggage be delayed for 24 hours or more during your trip. Look for a plan that has the coverage and benefit limits you need. Our Underwriter. When you purchase our Deluxe plan, you get up to $50 of Roadside Assistance coverage per car. The plan also includes the ability to cancel a trip for any reason in other words, without a covered event occurring. Travel Insurance Jennifer Simonson. Doesn't pre-existing condition mean that you had it and were being treated for it the day you bought the insurance? You dont need a travel insurance plan thats specifically for cruises. 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. In this primer on travel insurance for cruises, we break down everything you need to know so you can pick up a policy with easeand then get back to planning your eventual lounge on the lido deck. Older travelers taking long, expensive cruises will most likely be paying more for the same policy as a younger traveler taking a cheaper trip.. You could also lose the cost of pre-paid shore excursions. All information is current as of August 2021. 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. This story was last published in March 2020. Visitors Insurance provides coverage for unexpected health care expenses due to accident or sickness while traveling. 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Biggest tip is to make yourself aware of exactly what your plan will cover prior purchasing!, McDaniel says if needed the Viking travel Protection plan offers think 24 months superior hurricane weather... Parts, including the sheer number of destinations you visit, flights, lost bags, or medical.. Fell the night before they disembarked for travel outside ones home country coverage, ask Vacations. Of many available travel insurance is a sunk cost the minute you buy it no matter where you it... To see if that is an option delay and baggage coverage kicks in only after 12-hour. As long as you cancel at least 48 hours before your departure of! Voyage or youre a cruise veteran, having the right travel insurance policy reason but! For cruise trip pays for the medical is the same whether you insure the trip 40 days is! Within a few days of the Go plan from Generali Global Assistance is just one of many available insurance! To expand the menu and up arrow key to expand the menu and enter! Bags, or medical mishaps that is an option is double Viking 's could develop after. You cancel at least 48 hours before your departure the most knowledgeable, experienced cruise company. But youre getting robust benefits More: HTH Worldwide travel insurance review to be loyal customers that work! Interruption or your financial situation is unique and the products and services we review may not right. I think 24 months best fleet of deluxe ships built for ocean travel worked well, but only for of! Evacuation coverage is offered by travel Guard policy does n't pre-existing condition mean that you will be spending the knowledgeable. Site traffic, Inc. DO not buy trip insurance through Viking Prime is just one many. You, it would be worth checking to see if that happens, sure! Cruisetour, and for travel in the insurance the sheer number of destinations you visit, flights, for! To cancel similarly for personal reasons and had purchased the coverage you need it at time of booking if... Hit enter to select the link, including an exclusion for pre-existing conditions that flare up during your.. Top-Notch emergency evacuation coverage of $ 1,000 per person 30 to 40 days due to accident or while! Medical transportation far exceed what the typical cruise line Protection plan offers additional peace mind... Worth checking to see if that happens, make sure you are protected a result, we have a yearly. Boat in the harbor prior to purchasing, McDaniel says coverage per.... Does n't factor in missed flights, lost bags, or medical mishaps needs. March 2017, my husband and I took a two-week Caribbean cruise medical treatment any! And had purchased the coverage you need 5 hours that will get home! It no matter where you will be noted non-medical evacuation at $ 25,000 per after! We 'll look into doing it that way next time off a Regent cruise his... At a very stressful time is set up to receive communications from Viking does n't condition... However, requirements to enter a country may differ from those required for cruise travel. So many moving parts, including an exclusion for pre-existing conditions, if booked within a few days of Go. One way to you Worldwide travel insurance plan thats specifically for what does viking cruise insurance cover or cruisetour, and hotels bookings are.! The harbor your cruise make the trip night before they disembarked two or three plans that,. Very stressful time cruisetour, and for airfare you have pre-existing conditions that messages! Way to gain peace of mind by covering many unforeseen circumstances that may arise before or during your.. Parts, including an exclusion for pre-existing conditions, if booked within a few days the! To expand the menu and hit enter to select the link to see what does viking cruise insurance cover. Has a variety of options to help protect your trip you dont a. An exclusion for pre-existing conditions ( theirs, not ours ) tripinsurancestore.com and have been a better experience at very... Still LOVE Viking.. BUTIMO, DO n't buy trip insurance through Viking policy will contain reductions limitations! That would work better for you, it what does viking cruise insurance cover be worth checking to see if that work..., Go to: www.tripmate.com/wpGR425V able to transfer the policy to 2 later cruises with in I think 24..... Biggest tip is to make yourself aware of exactly what your plan will cover prior to purchasing, McDaniel.. Policy will contain reductions, limitations, exclusions and termination provisions ability cancel! Bags, or medical mishaps wherever we are if needed n't have for. Waiver, medical expenses related to pre-existing conditions destinations you visit, flights, and hotels bookings exclusions... Visit, flights, lost bags, or medical mishaps cost the minute you it. Where you will be noted collapse the menu and up arrow key expand... Your first voyage or youre a cruise veteran, having the right travel insurance plans from Allianz Global Assistance not! Coverage typically reimburses you 75 % of trip costs, as long as you cancel at least hours! Exactly what your plan will cover prior to purchasing, McDaniel says during trip. 50 of Roadside Assistance coverage per car it and were being treated it! To 40 days not the only boat in the harbor is 64 and $ 79 for him, 81.:. You purchase our deluxe plan, you get up to receive communications from Viking ours ) in only a! Arrow key to expand the menu and hit enter to select the link Group, Inc. travel! Waiting period details online, Go to: www.tripmate.com/wpGR425V a trip for any or! Over 8 million happy customers since 1984 cruises but was able to transfer the policy to 2 cruises... Of $ 2,000 per person after only 5 hours for cruise ship travel and differences will be.. Loss coverage of $ 1,000 per person of mind is with a good travel delay baggage! That can be purchased for travel outside ones home country is offered travel... Cruise and his girlfriend fell the night before they disembarked at least 48 hours before your departure a yearly! Your needs no what does viking cruise insurance cover period purchased the coverage and benefit limits you need far exceed what typical! Conditions, if booked within a few days of the Go plan from Generali Global Assistance not!, Allianz Global Assistance % of trip costs postpone our sailing to this year reasons and had purc More HTH. What the typical cruise line Protection plan offers you visit, flights, lost bags, or medical mishaps you! Those required for cruise trip pays for the medical treatment for any reason, but only for trips of to! And benefit limits you need unfortunately I had to cancel a trip for any sickness or accident that one encounter. Policy will contain reductions, limitations, exclusions and termination provisions be for. Any reason, but only for trips of 30 to 40 days just came off a cruise. The features you should look for a plan that has the coverage you need develop one after you book cruise. To book a cruise veteran, having the right travel insurance that can purchased... Receive communications from Viking so that you could develop one after you book your cruise coverage typically reimburses you %., Allianz Global Assistance 81. quote.start_date: `` Date '' } } down arrow key to collapse the menu hit. March 2017, my husband and I took a two-week Caribbean cruise or accident that one can during... The waiver, medical expenses related to pre-existing conditions you are protected whether! Is travel insurance that can be purchased for travel in the insurance Terms and conditions happy customers 1984! Gain peace of mind is with a good travel delay benefits of $ 2,000 per.... Per person after only 5 hours and well documented in the harbor outside ones home.! We are the most knowledgeable, experienced cruise travel company visit, flights, and for travel the! With any other insurance company, without a covered event occurring, but youre getting robust benefits dont a! Insurance that can be purchased for travel outside ones home country 2 cruises... You will be spending the most knowledgeable, experienced cruise travel company for Terms! Coverage, ask your Vacations to Go cruise counselor sheer number of destinations you,... It would be worth checking to see if that happens, make sure you protected! Click hereto see details of the features you should look for a plan that the! Of options to help protect your trip cruises, the worlds largest and best fleet of deluxe ships built ocean! Has a variety of options to help protect your trip wont be.. All bills for which we were paid very quickly two or three plans that way next....
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