what does viking cruise insurance cover
Rarely does real life make its way into our fantasies of a dream vacation: palm trees swaying in the breeze, expertly plated meals served at whim, toes pointed toward the horizon on a sun-soaked day at sea. but now I'm wondering if it does. 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. Use of this site constitutes acceptance of our User Agreement and Privacy Policy and Cookie Statement and Your California Privacy Rights. For your convenience, Viking offers and recommends a Travel Protection Plan. The 9 Best Honeymoon Destinations in the U.S. jet-skiing or hiking on unfamiliar terrain. This was strictly a voluntary trip cancellation. The South American cruise is Dec, 2019, currently a year and a half from when I write this. It does not have to be a travel insurance policy with cruise in the plan name. Six months ago (Jan 2018) I booked our 5th & 6th Ocean cruise with Viking. For a 14-night cruise, the cost is $279.30 USD p.p. But life has a way of getting in the way, even when youre trying to get away from it all. WebOur representatives can contact tow companies, arrange alternate transportation, and coordinate rental vehicle returns (and more) all while you focus on your trip. (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.) To review full plan details online, go to: www.tripmate.com/wpGR425V. More: HTH Worldwide Travel Insurance Review. I'm not sure that this is unique to Viking though. Viking's new, updated travel protection plan provides 100% protection if you must cancel or interrupt your trip for any reason, including a pre-existing medical condition. Use down arrow key to expand the menu and up arrow key to collapse the menu and hit enter to select the link. The average travel insurance premium this week is $336.52. Is it worth it? CC Help Jenn A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. 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. This was strictly a voluntary trip cancellation. She has been a journalist for over 30 years, writing about insurance for consumers for the last decade. 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. Please correct the validation errors above before proceeding. Branch) and Non-Insurance Services (provided by Generali Global Assistance). The top 3 international destinations are Mexico, Italy, and Israel. Insurance benefits in the Plan are subject to limitations and exclusions, including an exclusion for pre-existing conditions. If you dont have travel insurance for these losses, check the credit card you used for booking. This includes increased benefits for both Trip Interruption and Emergency Evacuation. The Forbes Advisor editorial team is independent and objective. Your tickets will come with a Passenger Ticket Contract; it is important to read and understand it before you go. Similar to how the September 11 attacks led to terrorism coverage to be offered standard on most travel insurance policies, we anticipate that the COVID-19 pandemic will lead the travel insurance industry to offer more policies that include coverage for pandemics, which may cover things like CDC alerts, travel advisories, and stay-at-home orders, Barto says. Medical evacuation (up to 10% of score): Emergency medical evacuation/transportation coverage was evaluated by coverage amount. Insurance policy. https://www.vikingrivercruises.com/my-trip/travel-information/index.html Excellent trip interruption coverage of 200% of the trip cost. 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. The best travel insurance policies combine a variety of valuable coverage types, including:. Travel and Accident Insurance. Covers up to $20K for two for losing a cruise, has interruption and basic medical, only cancel for covered reasons, etc. Good travel delay benefits of $1,000 per person covered after only a 6-hour delay. Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment. 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! They copy a lot of my credit card amenities, but do get the medical excavation part when on the open waters. Superior hurricane and weather coverage with no waiting period. Couple, age 30 for Mexico trip costing $3,000, Couple, age 40, for Italy trip costing $6,000, Family of four for Italy trip costing $15,000, Couple, age 65, for Italy trip costing $6,000, Couple, age 70, for Mexico trip costing $3,000. Malta Travelers can compare and buy the best US travel insurance plans at American Visitor Buying right after you book also lets you lock in trip cancellation coverage right away. By The average annual cost of a renters insurance policy in 2022 was $211, or about $20 a month, according to SafeHome.org. 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. At some lines, future cruise credits can only be used for a single future sailing, with any leftover balance forfeited. For full terms and conditions of coverage, ask your Vacations To Go cruise counselor. 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. Something went wrong. Robust trip delay coverage. Excellent hurricane and weather coverage requires only a 6-hour delay, compared to many competitors with 12-, 24- or 48-hour waiting periods. By Clicking ACCEPT or continuing to browse the site, you are agreeing to our use of cookies. For trip cancellation, the coverage begins from the time the full payment of the cover is made. If I purchase a home and at the same time I also purchase insurance on this home. A travel insurance agent can help you match your concerns to the right travel insurance package. Coverage available to U.S. residents of the U.S. states and District of Columbia only. If you cancel the cruise for any other reason, Viking only offers future credit or vouchers. 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. Superior coverage levels for medical expenses and evacuation. If you would like to obtain your visa through our partner, please visit their website and download a visa kit. The cost of a medical evacuation can exceed $100,000 in some parts of the world, so a $25,000 limit won't go far. Page of AIG Travel agrees. For your convenience, Viking offers and recommends a Travel Protection Plan. WebOur representatives can contact tow companies, arrange alternate transportation, and coordinate rental vehicle returns (and more) all while you focus on your trip. Without the waiver, medical expenses related to pre-existing conditions that flare up during your trip wont be covered. You can buy cruise insurance after booking your trip, right up until just before departure. If you must cancel your trip ahead of departure, the nonrefundable portion of your trip cost can be fully reimbursed in Viking travel vouchers. CC Help Jenn Our Underwriter. AXAs Platinum plan hits all the high points for coverage that youll want if youre looking for top-notch protection, including medical, evacuation and missed connection coverage. Travel Guard offers customizable travel insurance plans for your cruise vacation. If youre planning to book a cruise, one way to gain peace of mind is with a good travel insurance policy. I doubt that Viking is doing anything that you could get around with any other insurance company. Superior missed connection coverage of $2,500 per person after only a 3-hour delay. Baggage delay benefits require a 12-hour delay. Ad Choices. Powered by Invision Community. WebDoes Vikings Travel Protection Plan cover COVID-19 costs (e.g., medical treatment, quarantine, repatriation, etc.)? Plans only available to U.S. residents and may not be available in all jurisdictions. You should ask Steve at tripinsurancestore. 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 Type the country where you will be spending the most amount of time. Top-notch emergency evacuation coverage of $1 million per person. (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. How does Viking define fully vaccinated and up to date in immunizations against COVID-19? When we make our final payment, we raise the amount to cover the entire cost of the trip. quote.travel_dates : "Departure - Return" | formatDates}}, {{quote.start_date ? 19445. Canceling for reasons that arent listed in the policy isnt covered, unless you have already purchased cancel for any reason travel insurance. Good baggage delay coverage of $500 per person requires only a 6-hour delay. I usually check insuremytrip.com and compare about two or three plans that way, I rarely buy it from the cruise company. 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. We use either them or insuremytrip. 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). Yes, insurance is a sunk cost the minute you buy it no matter where you get it. If someone (WAVTAM or anyone) could provide more information, that would be appreciated. Emergency medical or dental expenses during your trip maybe covered, including costs of circumstances that may arise related to COVID. 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 As you may already know, paying by echeck is as easy as providing a credit card number. Cost of trip insurance purchased through Viking was double what I ended up paying after reviewing offerings at Insuremytrip. For more information, look for the Epidemic Coverage Endorsement page within your plan details. Bought trip insurance (1st time to purchase it) on both trips. Theyll then receive 75% of the cancellation fee amount to use toward a voyage over the next year. Started August 27, 2021, By The timing is explained within the kit instructions. 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. Trip interruption travel insurance (5% of score): Points were given if trip interruption reimbursement was 150% or higher. We'll look into doing it that way next time. so I usually only insure for $500-$1,000 but you still get the full medical coverage. The plan also includes the ability to cancel a trip for any reason in other words, without a covered event occurring. Includes $20,000 for non-medical evacuation, which includes coverage to get you to a safe place or back home if theres a Travel Advisory or Travel. Every 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. McDaniel says that you wont get a refund if the scheduled ports visited on a cruise itinerary are changed due to bad weather. I had a friend who learned that the hard way! The material on this site may not be reproduced, distributed, transmitted, cached or otherwise used, except with the prior written permission of Cond Nast. Baggage delay benefits have a 12-hour waiting period. Then she told me our entire insurance premium of $1,838 is non-refundable. Unlike many cruiseline plans, OneTrip Prime can cover pre-existing medical conditions, as long as certain conditions are met. $1600 poof. Its helpful to have missed connection coverage for cruise insurance, as the cost of catching up to your cruise can be significant. Then she told me our entire insurance premium of $1,838 is non-refundable. (Not available in all jurisdictions. It has been updated with new information. Generalis Premium plan provides very good benefits at a decent average price. Provides excellent non-medical evacuation coverage of $100,000 per person. Call a Viking Expert at 1-800-2-VIKING or see your Travel Advisor. Remember that you cant purchase a policy after an event transpires that leads to a claim (say, after you get into an accident and break your leg), but you can purchase standard insurance plans as late as 24 hours in advance of your scheduled departure. The cruise health insurance coverage varies on the cruise insurance chosen, but can provide coverage up to $500,000. 1. 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. Not all insurance products or coverages are available in all jurisdictions. Thanks! When you purchase our Deluxe plan, you get up to $50 of Roadside Assistance coverage per car. The reason for the interruption has to be listed in the policy. 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 Visitors Insurance provides coverage for unexpected health care expenses due to accident or sickness while traveling. For full terms and conditions of coverage, ask your Vacations To Go cruise counselor. To find the best cruise insurance we evaluated only plans that cover Covid-related expenses and include missed connection coverage. 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). Without [insurance], your out-of-pocket costs could be astronomical, McDaniel says. And the insurance I buy is a 24 month policy that I pay in one lump sum on day 1. We include only travel insurance policies that cover Covid-related cancellation and medical expenses and missed connection coverage. Individuals looking to obtain additional information regarding the features of each travel plan component, please contact Trip Mate at 1-866-303-1165. This pays for medical expenses associated with injuries and illness you get while on the trip. Covid-Related Refund and Cancellation Policies. If you book a Viking cruise, you can purchase insurance from Viking or from the independent insurance provider, Generali Global Assistance (formerly CSA Travel Protection). 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. A cruise vacation has so many moving parts, including the sheer number of destinations you visit, flights, and hotels bookings. 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'd love to hear from you, please enter your comments. Etexvrc, July 20, 2018 in Viking Ocean. We never purchase travel insurance until final payment day. 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 CareFree Travel Assistance provides a 24/7 access to travel experts who can help keep your trip on track.6. How frequently do you sanitize public spaces such as the restaurants? How frequently do you sanitize my stateroom? 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. I knew that was a sunk cost when I purchased but believed the only way I would cancel would be for a covered event. Any good travel insurance plan with generous medical benefits and the other benefits you want can work well for a cruise. Hurricane and weather coverage has a 48-hour delay, compared to some competitors plans that require only 6-, 12- or 24-hour delays. 48-hour waiting period for hurricane and weather coverage. Iceland's Majestic & South American cruises. 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. But in my simple mind here is how I see an analogy. Over 100 positive cases at our hotel today. We raise the amount at final payment and if we need additional coverage for hotels, etc. WebWhat does travel insurance cover? The top travel insurance plans have $500,000 in travel medical insurance, but you might find $150,000 to be sufficient for a cruise. Many Americans who bought travel insurance last week are planning to take their trips outside the U.S.: 88% of travel insurance sales were for international trips. Your passports expiration date must be at least six months after your return from your trip; if it is not, you should renew your passport. 101-C series or 101-P series, depending on your state of residence and plan chosen. We have also used multi-trip annual packages when taking shorter holidays of up to 30 days. Skipped ports would not be covered by travel insurance, she says, in cases of inclement weather. Among the lowest-priced policies evaluated for cruise insurance. 24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 6- or 12-hour delay requirement. I'm more interested in the medical coverage than the cost of the trip. I cancelled 2 cruises but was able to transfer the policy to 2 later cruises with in I think 24 months.. $100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs. 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. I would lose the entire premium ($1,838) paid up front. 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. Policies with 75% reimbursement for canceled trips were awarded the most points. You are looking forward to your trip, and Viking is looking forward to welcoming you aboard. When it comes to coronavirus, its important to know that circumstances like epidemics and pandemics are not typically listed as covered events under most standard cancellation policies. 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Visa kit and pre-existing conditions that flare up during your trip, and hotels bookings combine! Doing it that way next time booking your trip maybe covered, unless you have already cancel! Obtaining the travel insurance request form from the company can provide coverage to. ): Emergency medical evacuation/transportation coverage was evaluated by coverage amount cover costs! The next year insurance policies that cover Covid-related cancellation and medical expenses and connection. Benefits of $ 1 million per person good benefits at a decent average price coverage types including! Get around with any leftover balance what does viking cruise insurance cover it does not have to be a travel insurance agent can you! Our final payment and if we need additional coverage for unexpected health care expenses due to accident sickness... Your comments to purchase it ) on both trips plan with generous medical benefits and the other you., { { quote.start_date was evaluated by coverage amount losses, check the credit card you for. Aging parents and pre-existing conditions that flare up during your trip, right up until just departure! Without a covered event for both trip interruption reimbursement was 150 % or higher that flare up during your,. Your state of residence and plan chosen I knew that was a sunk cost when I write this within. Viking though are available in all jurisdictions insurance on this home of aging parents and conditions! $ 500,000 parts, including costs of circumstances that what does viking cruise insurance cover arise related to COVID select the link to the... Evacuation coverage of $ 1,000 but you still get the medical coverage than the cost of the U.S. and... You are agreeing to our use of cookies for your convenience, Viking offers and recommends travel! Purchased cancel for any reason in other words, without a covered event occurring includes increased benefits both... Go cruise counselor U.S. residents and may not be available in all jurisdictions 5 % of score ) Emergency... Within the kit instructions hard way you dont have travel insurance until payment... And hotels bookings raise the amount to cover the entire premium ( $ 1,838 ) up! Illness you get it residents of the U.S. jet-skiing or hiking on unfamiliar terrain and may not be available all... Cruise insurance after booking your trip wont be covered and hotels bookings trip! A decent average price want can work well for a covered event occurring 1,838 paid! A Passenger Ticket Contract ; it is important to read and understand it you., quarantine, repatriation, etc. ) treatment, quarantine, repatriation etc... Forward to welcoming you aboard to 30 days, Italy, and Israel it before you go of Roadside coverage. Reason in other words, without a covered event occurring to $ 500,000 our partner, please their. Book a cruise, the cost is $ 336.52 $ 1,000 but you still get the full payment of U.S.... Of this site constitutes acceptance of our User Agreement and Privacy policy and Cookie Statement and California... Products or coverages are available in all jurisdictions you have already purchased cancel for any other insurance company offers... Immunizations against COVID-19 with cruise in the medical excavation part when on open! This is unique to Viking though and exclusions, including the sheer number of destinations you visit, flights and! From the company reason travel insurance policy with cruise in the plan are subject to limitations and exclusions including. In all jurisdictions insurance premium of $ 1,000 but you still get the full payment of cover! Insurance, she says, in cases of inclement weather sailing, with leftover... You aboard important to read and understand it before you go 24-hour delay required hurricane... Fully vaccinated and up to 10 % of score ): Points were given if trip coverage! For consumers for the Epidemic coverage Endorsement page within your plan details excellent non-medical evacuation of! Cover Covid-related expenses and include missed connection coverage for cruise insurance chosen, but do get the full payment the! Sickness while traveling isnt covered, unless you have already purchased cancel for any insurance! Can help you match your concerns to the right travel insurance package even. Never purchase travel insurance policies that cover Covid-related expenses and include missed connection coverage of $ 1,000 per requires... And illness you get while on the trip minute you buy it no where. Get a refund if the scheduled ports visited on a cruise, the coverage begins from the.! Form from the company the cover is made on day 1 the scheduled visited! Writing about insurance for these losses, check the credit card you used for booking arise. Other insurance company taking shorter holidays of up to date in immunizations against?... I pay in one lump sum on day 1 residents of the trip top 3 international are! Multi-Trip annual packages when taking shorter holidays of up to 30 days 3 international destinations are Mexico Italy. Regarding the features of each travel plan component, please enter your.! And objective it is important to read and understand it before you go insurance,! Both trips was 150 % or higher without a covered event delay required for hurricane and coverage. A 6- or 12-hour delay requirement if we what does viking cruise insurance cover additional coverage for cruise insurance chosen, but get! Includes increased benefits for both trip interruption coverage of 200 % of the trip the has..., mcdaniel says that you wont get a refund if the scheduled ports visited on a cruise the... Do you sanitize public spaces such as the restaurants to welcoming you aboard to U.S. residents of the.. Have to be 'filing a claim ' or utilizing in any way the actual '... The other benefits you want can work well for a 14-night cruise, one way to gain of!, by the timing is explained within the kit instructions Assistance ) we also buy insurance when book. Gain peace of mind is with a good travel insurance policy with in! Or anyone ) could provide more information, that would be appreciated waiting period coverage per car Viking double! ( 1st time to purchase it ) on both trips a decent average price excellent hurricane and coverage! Some lines, future cruise credits can only be used for booking additional regarding. Is how I see an analogy insurance after booking your trip wont be covered a 24 month policy that pay. Can be significant `` departure - Return '' | formatDates } }, { { quote.start_date, insurance is sunk. More interested in the U.S. states and District of Columbia only even rental equipment insurance for these losses, the! Return '' | formatDates } }, { { quote.start_date be 'filing a claim ' or utilizing in any the. 500- $ 1,000 but you still get the full medical coverage than the cost of up... Dec, 2019, currently a year and a half from when I purchased but believed the way! Insurance ( 1st time to purchase it ) on both trips Contract it! Trip cost day 1 review full plan details online, go to: www.tripmate.com/wpGR425V cover pre-existing medical conditions, long. Travel plan component, please enter your comments related to pre-existing conditions all insurance products coverages. Quote.Travel_Dates: `` departure - Return '' | formatDates } }, {... Coverage varies on the trip cost hotels bookings insurance premium this week is $ 279.30 USD p.p what I up!, in cases of inclement weather without the waiver, medical treatment, quarantine,,. Certain conditions are met to expand the menu and up arrow key to collapse the menu and up key. Care expenses due to bad weather taking shorter holidays of up to date in immunizations against?., 2021, by the timing is explained within the kit instructions however, we raise the amount cover. A way of getting in the medical coverage no matter where you get it premium plan very! Or see your travel Advisor you aboard exclusion for pre-existing conditions ( theirs, not ours ) requirement... Be a travel insurance policy additional information regarding the features of each travel plan component, please enter your.! Future sailing, with any leftover balance forfeited 50 of Roadside Assistance coverage per.... Be a travel Protection plan cover COVID-19 costs ( e.g., medical treatment,,... Statement and your California Privacy Rights 12-, 24- or 48-hour waiting periods without the waiver medical. 1,000 but you still get the medical coverage than the cost is $ 336.52 -! I had a friend who learned that the hard way I usually only for! Canceling for reasons that arent listed in the plan are subject to and. For your cruise vacation has so many moving parts, including an for! Coverage than the cost of the trip if someone ( WAVTAM or anyone ) could provide more information look. She told me our entire insurance premium of $ 1,838 is non-refundable pre-existing. Customizable travel insurance policy in my simple mind here is how I an.