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Cruise Hive was established back in 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. We make sure cruisers are fully prepared for their cruise vacation with tips on ships and ports. By Haiyan Ma. Modified Date: Aug 30, This vacation protection plan consists of three packages including Trip Cancellation waiver program, Travel insurance program and Worldwide emergency assistance program What is Carnival Vacation Protection?
What does Carnival Vacation Protection cover? Trip Cancellation Covers some of the most common reasons that may cause you to cancel your vacation. Travel Insurance This cover consists of trip delays, baggage protection, medical and evacuation emergencies.
These reasons are: If you, a traveling companion and any members of your immediate families suffer an injury or sickness or unfortunately die having been diagnosed and treated by a doctor at the time of cancellation. If you are terminated from your one year plus employment involuntarily. If you miss your cruise due to involvement in a traffic accident on your way to departure.
If your home is destroyed by a natural disaster. If you are required for jury duty or are needed in court. If you are called in for military service to offer aid and relief for a national disaster.
If on your way to or if at the port of embarkation, a watch or a severe weather warning is issued by the National Atmospheric Administration within 48hrs of your scheduled departure. Those reasons are as follows: Medical conditions that require diagnosis, treatment or a change in medication that first presented themselves in the day period before the purchase of the cancellation waiver package.
Any condition caused by elective abortion, use of drugs and alcohol for reasons not prescribed by a doctor. Any psychological disorder that does not require hospitalization.
A normal pregnancy that does not need hospitalization. Any reason emanating from obligations in business, education or of a contractual nature of you and any other person you are traveling with.
Any war declared or undeclared. Armed forces service in any country. If you, a traveling companion or a family member commit unlawful acts. Carnival Travel Insurance Program To cater for other unforeseen events that are different from trip cancellation. The cover has a schedule that shows each covered event and the maximum benefit amount for it.
The schedule is divided into 3 sections that is: Section 1: Travel Arrangement Protection Photo By: Russell Otway For Cruise Hive Only This section covers three travel arrangement issues that may cause you to possibly cancel your trip.
The three include: Trip Cancellation by Air If you are forced to cancel your trip while traveling by air en route to the port of embarkation and this prevents you from taking your cruise vacation. Carnival Cruise Insurance specifies that it will only pay the event above if: There is a sickness, injury or death suffered by you, a traveling companion or a family member that has been diagnosed and treated by a doctor.
Note it must be during the covered period And any other covered event in your protection package. Trip Interruption by air The cruise will pay you back up to the total original airfare cost, if your cruise vacation is delayed or cut short after departing, by the following events: There is a sickness, death or injury suffered by you and anyone else that you are traveling with that has been diagnosed and treated by a doctor during the covered period.
And any other covered event in your protection package. Such as being involved in a traffic accident on the day of departure, being called into military service for relief purposes or if you get jury duty or have to testify in court, if your home is made uninhabitable by a natural disaster and if a severe weather warning is issued by NOAA while you are on your way to the cruise within 48hrs of departure.
The cruise will pay you back up to the total original airfare cost for: Any additional transport costs used to catch up with the cruise.
Any additional transport costs that you incur to travel to the original destination of the cruise if you are delayed and miss the departure. Note they will only pay for a direct flight economy class one-way ticket. Any reasonable additional accommodation or travel expense you incur, to remain with a hospitalized family member or a traveling companion during the cruise.
They will only pay this event if it was caused by: You getting into a traffic accident on your way to departure Theft or loss of your traveling documents, money, and passport Being quarantined Being hijacked Adverse weather Unannounced strike or Civil disorder Section 2: Medical and emergency assistance Photo By: Russell Otway For Cruise Hive Only In the travel insurance cover, Carnival cruise offers the following maximum benefit amounts for medical and emergency assistance cover plans.
Emergency Evacuation You are covered for any emergency evacuation transportation expense if you fall sick or get injured while on the cruise. Note that a doctor has to authorize this first You are also covered for a non-emergency evacuation in case of sickness or injury, up to the hospital or your place of residence if deemed necessary by a doctor. Repatriation The travel insurance package under the medical part also offers for repatriation in the unfortunate case that you die during your cruise.
Pre-existing Medical Conditions Coverage Unfortunately, Carnival Cruise insurance does not cover emergency evacuations and repatriation expenses for a person with a pre-existing condition. Artificial limbs, teeth or other prosthetic devices, dental appliances such as dentures, bridges and braces, retainers, hearing aids, and any type of eyeglasses, sunglasses or contact lenses.
Tickets or documents, other than administrative fees for ticket reissue Credit card, money and money orders, securities such as stocks and bonds, bills, deeds, stamps and food stamps or accounts.
Property shipped prior to departure date whether by water or freight. Carefree World-Wide Emergency Services This is the third item of the three package insurance cover offered by Carnival cruise lines.
It manages hotel reservations for you. It tracks lost, stolen or delayed baggage. It makes rental car reservations. It coordinates travel for your visitors to come and be with you in the hospital in case of sickness or injury. It assists you to locate the nearest embassy. It assists you to perform cash transfers and also assists you with bail bonds. As promised this guide also answers some of the most common questions people ask regarding the Carnival cruise line insurance program.
Check out the following questions and their answers as per Carnival insurance. Extra benefit Also note that if your air travel arrangements take more than four days, you qualify for trip interruption and trip delay benefits. Can I cancel a Carnival cruise without incurring a penalty?
Cancellation charges or penalties will depend on the length of your trip for example, For cruises that are less than 5 days, you have up to 60 days to make a final payment before departure.
You can also, always buy cruise insurance from an independent travel insurance company. When should I buy the Carnival cruise insurance?
Benefits of taking up cruise insurance It protects your vacation investment in cases of last minute cancellations. Unfortunately, we've needed it 3 xs: father passed away in middle of first cruise It was all covered. On a recent cruise a passenger had to be medivac-ed from ship Try insuremytripdotcom, check out package coverage, we use travel guard: but there are many others, if you call them they are very friendly and helpful!
It's overpriced, and doesn't cover airfare unless you book it through Carnival. But travel insurance, then I mostly get it. If I cruise in the winter, then I get it because of the possibility of flight delays. In the summer, I don't always get it because I'm stupid I guess, but I'm young, healthy, and don't take part in any risky shore excursions.
That said, now that I cruise with my boyfriend, he insists on travel insurance so now I always get it. But you're better off getting the insurance from someone other than Carnival, you'll save a lot of money and have more coverage. Trip Insurance is a very Good idea. The Cruiseline's Insurance is very pricey, has very low medical coverage and marginal MedEvac coverage. Especially if you're a younger cruiser you can get higher coverages and more benefits for a lower premium with the 3rd party Trip Insurance Policies like Travel Insured, CSA and TravelEx.
If you're traveling with kids, look at TravelInsured and TravelEx who insure kids free with insured adults. Never had it, and never needed it. That doesn't mean it's not a good idea to purchase. It just means I've never used it. Cruise protection is useful even before you leave on the cruise. One year my sister was very close to serving on jury duty days before her cruise. And since it was a Federal Case there would be no excuses taken.
We called our TA and found out that since both of us were were sharing a cabin and we both had bought the insurance we would have received a full refund if she was chosen to serve. Thank you all for the valuable information and your experience, which made it clear to me that I need to buy insurance. My purpose to buy the insurance is to insure 1 any possible cancellation and 2 possible medical issue since we are travelling with two seniors and one toddler.
I didn't know I am able to buy insurance from a third party until I saw your posts. So based upon your knowledge, shall I buy the insurance from Carnival or from other insurance company?
Please advise! Thank you! I bought Carnival's. And I think it's a good idea with your circumstances. My in-law's have had some major health issues and I just didn't want to take the risk. Someone just posted today that she has to have surgery I'm not a gambler and it's a risk I'm not willing to take The Carnival Policy also includes cancellation for job loss and cancellation for Hurricane Warning and covers the non-refundable Early Saver Deposit if you're cancelling for a covered reason.
You have to look at your personal circumstances and your concerns, and decide if these benefits might outweigh the lower price and the generally higher coverages the Carnival policy has very low medical coverage of the 3rd party policies several of which include free insurance for kids. See the link in my post 9 in this thread for some general info.
I read your post as well as the post you wrote for others regarding insurance. I went to insuremytripdotcom and got very general information. Basically what the web site quoated me is much cheaper than what Carnival can offer. The cancellation includes sickness subject to doctor's letter. Although the medical insurance coverage is pretty low, I can pick a higher coverage by paying a little extra amount of money. Primary coverage eliminates that wait. With a primary policy, you are paid for the event or loss outright.
With a secondary policy, which kicks in after your homeowner's or medical insurance has already paid, you have to wait for the other insurance to be paid, send receipts, and you are paid the difference between your out of pocket costs and what has already been paid.
You have to have a stream of documentation, too. In the course of researching the information needed for this article, we hoped to be able to give clear and concise information about each type of insurance, but it wasn't that simple. Many insurers offer coverage, and each has a different set of guidelines on such topics as pre-existing conditions, terrorist acts and what constitutes a traveling companion or an "immediate family member.
What we are able to do, however, is to offer a slight overview of the types of coverage available in a way that might help you find what you are looking for, and to help you to decide if you need insurance coverage and what kind to purchase. Please note: The information provided is for comparison purposes only. Cruise Critic is neither endorsing nor recommending any of these insurance companies or the coverage they provide.
Should I get travel insurance for my cruise? The easy answer to this question is: "Yes, with qualifications. In fact, coverage for the average cruise price amounts to the cost of about seven alcoholic beverages or one minor shore excursion, so it's well worth it if you build coverage into your price. If your trip is just a weekend getaway, if you're driving your own car to the terminal, or if you haven't paid much for the cruise and haven't got much to lose, travel insurance may not be your highest priority.
What kind do I need? Ahhh, this is a much more complicated question, and has no easy response. Coverage varies widely, and while all offer the same basics, some offer better protection in some areas than others. So you first need to determine where you need the most coverage and then you can decide what kind of insurance to purchase.
Cruise line or third-party insurance: Cruise lines are not in the insurance business, they're in the vacation business. It's certainly convenient to go through the cruise line to get your coverage, but is it your best option? Most travel agents think it's overpriced and doesn't offer the same protections as outside insurance, and that, even with outside administration, claims processing is more difficult.
Also, it's important to note that most cruise line coverage is secondary, and kicks in only after your personal insurance has paid off, and on top of that, you are often reimbursed in cruise credits rather than in cold, hard cash.
Medical evacuation: Many frequent cruisers have seen, at least once, someone being evacuated by helicopter from their ship, or being carted away from the pier by an ambulance. These medical emergencies, while rare, are extremely costly A helicopter or aircraft evacuation can cost thousands and thousands of dollars.
Travel insurance covers these costs. If your cruise takes you into the Indian Ocean, into the fjords of Chile or Norway, or down the coast of Vietnam or even through the Panama Canal just a few examples of exotic cruises the cost to get home to the U. This is where you want to ramp up your coverage.
Pre-existing conditions: This can be a critical component of your insurance choices because the companies offering coverage vary widely in the amount of time you have to have been symptom-free before your condition is covered. What you need to research, in the case of pre-existing conditions, is the number of "lookback days" the company requires in order to "waive the exclusion.
Some companies require a day period, some a day period, and some as few as a day period. And in order to waive the exclusion, you have to purchase your trip insurance within 10, 14 or 21 days of your initial deposit, again depending on the insurer.
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