Medical evacuation (up to 10% of score): Emergency medical evacuation/transportation coverage was evaluated by coverage amount. But there was no refund. It's the trip cancellation/interruption that's affected. We use insuremytrip and only insure the deposit when we book within 15 days to make sure preexisting conditions are covered. We raise the amount at Many cruise lines also offer travel insurance plans. For our 2020 WC, we had to go with the Viking Insurance as no local broker, Insuremytrip or the TA could find an insurance company that will cover the deposit for almost 2 years and full payment 6 months out. If I purchase a home and at the same time I also purchase insurance on this home. quote.start_date : "Date"}}. Economic-woe scenarios, like having to cancel if you are laid off from your job, or if a travel supplier should declare bankruptcy, are typically covered under standard plans. A comprehensive travel insurance plan will package additional benefits such as travel delay insurance, baggage insurance and missed connection travel insurance. My Travel Guard policy doesn't have cancel for any reason, but the all-important medical evacuation coverage is double Viking's. We use either them or insuremytrip. Viking will send you a number of notifications via email as your departure date nears, including your booking confirmation, payment receipts and, if you purchased your air travel from Viking, logistical information about your air travel and transfers. To find the best Even a short weekend cruise could turn costly if a traveler has an accident or becomes ill, and requires emergency medical treatment or a medical evacuation from sea, he says, pointing out that travelers are more prone to injury since they often take risks on vacationslike jet-skiing or hiking on unfamiliar terrainthat they might not take back home. WebDoes Vikings Travel Protection Plan cover COVID-19 costs (e.g., medical treatment, quarantine, repatriation, etc.)? Enjoy the convenience of paying for your trip by echeck (also known as EFT or electronic funds transfer). A cruise vacation has so many moving parts, including the sheer number of destinations you visit, flights, and hotels bookings. CST 2072920-50, Over 8 million happy customers since 1984. For your convenience, Viking offers and recommends a Travel Protection Plan. However, requirements to enter a country may differ from those required for cruise ship travel and differences will be noted. You could also lose the cost of pre-paid shore excursions. Travel Insurance Jennifer Simonson. 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. 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. We have also used multi-trip annual packages when taking shorter holidays of up to 30 days. Ad Choices. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. If you would like to obtain your visa through our partner, please visit their website and download a visa kit. She has been a journalist for over 30 years, writing about insurance for consumers for the last decade. 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 Due to travel restrictions, plans are only available with travel dates on or after, Due to travel restrictions, plans are only available with effective start dates on or after, Ukraine; Belarus; Moldova, Republic of; (North) Korea, Democratic People's Rep; Russian Federation. Performance information may have changed since the time of publication. More: Generali Global Assistance Travel Insurance Review. With early purchase benefits and optional add-on coverages, you can customize the plan and coverages you need for your cruise vacation. And the insurance I buy is a 24 month policy that I pay in one lump sum on day 1. Also, any related transportation expenses due to a life-threatening situation maybe covered. Our ratings take into account a product's benefits and coverage levels. Buying right after you book also lets you lock in trip cancellation coverage right away. Provides excellent non-medical evacuation coverage of $100,000 per person. 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. Pricey among the plans we analyzed but you buy superior benefits. While cruise lines usually offer their own insurance policies, experts advise looking instead to an independent, third-party insurer. Please try again later. Then the couples turned to their trip protection plan, which said it covers trip cancellation and 100% of the trip cost. 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. All information is current as of August 2021. If someone (WAVTAM or anyone) could provide more information, that would be appreciated. Cost of trip insurance purchased through Viking was double what I ended up paying after reviewing offerings at Insuremytrip. My Travel Guard policy WebiCruise.com recommends Travel Insurance. Covid-Related Refund and Cancellation Policies. That's correct and well documented in the insurance Terms and Conditions. I've learned things from Trip Insurance Store; they're great. Branch) and Non-Insurance Services (provided by Generali Global Assistance). Cancel for any reason upgrade available. If you cancel the cruise for any other reason, Viking only offers future credit or vouchers. But in my simple mind here is how I see an analogy. Interruption for any reason upgrade available. I knew that was a sunk cost when I purchased but believed the only way I would cancel would be for a covered event. Warning from the U.S. State Department that you should leave the country due to civil, military or political unrest. She had to go for emergency surgery. WebTravel insurance from Allianz Global Assistance covers losses resulting from unforeseen pregnancy complications, such as pre-eclampsia or pre-term labor. 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 Malta Travelers can compare and buy the best US travel insurance plans at American Visitor That's correct and well documented in the insurance Terms and Conditions. Unfortunately I had to cancel similarly for personal reasons and had purc Insurance policy. Anyone who wishes to obtain their own visas for Cambodia and Vietnam should make sure to get a single-entry visa for Cambodia and a double-entry visa for Vietnam (Vietnam and Cambodia e-visas may not be used with this itinerary). Trip interruption travel insurance (5% of score): Points were given if trip interruption reimbursement was 150% or higher. After we returned home, I submitted all bills for which we were paid very quickly. Insurance concept. But life has a way of getting in the way, even when youre trying to get away from it all. Very good travel delay coverage of $2,000 per person. Benefits dont kick in until you are a specified amount of time into your trip, for example 48 or 72 hours. As noted before, "cancel for any reason" policies typically must be purchased within 14 to 21 days of your initial trip deposit. 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! Before you purchase any of the plans we offer, please review the plan information that applies to your purchase. This plan provides insurance coverage that only applies during the covered trip. Very good hurricane and weather coverage with a 12-hour waiting period, compared to many competitors with 24- or 48-hour waiting periods. pre-existing medical condition exclusion waiver, Travel inconvenience benefit a one-time payment for inconveniences you encounter on your trip such as a cruise diversion or runway delay (included with certain plans), Emergency travel assistance specialized representatives are available day or night for unexpected travel issues, no matter how far the next port is, Lodging expense coverage for reentry requirements into the U.S. (optional add-on coverage available on certain plans), Adventure sports bundle for if youre planning extreme activities during your cruise (optional add-on coverage available on certain plans), Cancel for Any Reason (optional add-on coverage available on certain plans). Includes $25,000 in non-medical evacuation benefits. I've done this many times over the course of over 50 cruises. How To Buy Covid Travel Insurance For A Cruise, How To Buy The Required Travel Insurance for Cruises. Comprehensive travel insurance policies offer coverage for lost or stolen baggage; however, the coverages have limits, both per trip and per article for specific Includes concierge services such as restaurant and hotel referrals and reservations, luxury rental arrangements such as villas and charter planes, golf course information and more. This is something you may not be aware of this past December we were on a Princess South American 21 day cruise I had to be taken off the ship in Lima Peru as I was having shortness of breath the ship doctor said I needed to see a Cardiologist make a long story short ended up having a heart stint I had no health coverage (I thought) well not true if you have a Medicare supplement through AARP it has $50k coverage for medical emergencies out of the country it paid my $22K at 80% and my credit card paid $5K for trip interruption. Pricing is on the high side compared to other top plans. Baggage delay coverage is good at $500 per person but requires a 12-hour delay for benefits to start. Started August 27, 2021, By This could mean needing to pay out-of-pocket to start., Adds Page: The advantage of purchasing a comprehensive travel insurance policy through an insurance provider like Travel Guard is that the comprehensive plans may offer additional benefits, such as emergency medical evacuation, which may not be available under protection plans offered through cruise lines., In addition, cruise line insurance can be more limited than you might expect. Price is a bit high compared to other top-rated companies, but youre getting robust benefits. 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. 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. 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. Baggage delay coverage requires a 12-hour delay. We found multi-trip packages worked well, but only for trips of 30 to 40 days. 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 downside to waiting is that you likely wont be able to cover pre-existing medical conditions, and youll lose the option to add cancel for any reason coverage. By providing my email I agree to receive Forbes Advisor promotions, offers and additional Forbes Marketplace services. 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. Be sure your email account is set up to receive communications from Viking so that these messages can find their way to you. 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Carnival cruise insurance coverage begins when your final payment for the insurance cover is received by the cruise line. One delay and your entire trip could be impacted. How frequently do you sanitize my stateroom? I would lose the entire premium ($1,838) paid up front. 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. Pre-existing medical condition exclusion waiver (5% of score): Points were given to policies that cover pre-existing medical conditions (if purchased within a required time frame). I doubt that Viking is doing anything that you could get around with any other insurance company. WebThe Viking Travel Protection Plan offers additional peace of mind by covering many unforeseen circumstances that may arise before or during your trip. This is not a complete description of all benefits and limitations. You will be able to leave a comment after signing in, By Princess also offer two tiers of coverage: Standard and Platinum, with the latter offering higher payout amounts for select benefits. 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 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. Adding it increases a policy cost by an average of 50%. Superior coverage for medical evacuation at $1 million per person. But sometimes illness or an emergency at home may create the need to postpone or cancel your vacation. WebIf your cruise is cancelled for any of the reasons below, you'll receive up to 5,000, depending on the level of cover you choose, to cover the costs of your trip: Death, illness, injury or complications of pregnancy or childbirth of you, your travel companion, close relative, close business associate or anyone you planned to stay with For your convenience, Viking offers and recommends a Travel Protection Plan. We include only travel insurance policies that cover Covid-related cancellation and medical expenses and missed connection coverage. Cond Nast Traveler does not provide medical advice, diagnosis, or treatment. But opinions are like lifejackets during a cruise ship muster drill everyone has one. More: HTH Worldwide Travel Insurance Review. Excellent baggage loss coverage limit of $2,000 per person. 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. 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? 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. Superior baggage coverage of $2,500 per person. The total cost varies according to the length of the ocean cruise. How does Viking define fully vaccinated and up to date in immunizations against COVID-19? They copy a lot of my credit card amenities, but do get the medical excavation part when on the open waters. The biggest tip is to make yourself aware of exactly what your plan will cover prior to purchasing, McDaniel says. Just interested in the over 90 day coverage if you have any suggestions. So, lets stick to the facts by comparing cruise insurance plans features, head to head. A Trip the Cruise Line Cancels. 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. 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. WebEvery 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 Payments can be made in My Viking Journey 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. Past performance is not indicative of future results. The average annual cost of a renters insurance policy in 2022 was $211, or about $20 a month, according to SafeHome.org. 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). CA DOI toll free number: 800-927-HELP. Google more options, under annual pass. 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. Information provided on Forbes Advisor is for educational purposes only. Covers lost ski days, lost golf rounds and sports equipment rental. Includes $100,000 per person in 24-hour accidental death and dismemberment (AD&D) coverage. 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