Ad Choices. My husband tore up both of his knees in late May playing kickball at the company picnic and had to have double knee surgery. costs that I book pre-trip, even if I'm willing to take a hit on a hotel if we don't use the reservation and don't cancel. I'm not sure that this is unique to Viking though. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Hurricane and weather coverage requires a 48-hour waiting period. 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. If you have any questions about your current coverage, call your insurer or insurance agent or broker. More: HTH Worldwide Travel Insurance Review. 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). 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. If you must cancel your trip ahead of departure, the nonrefundable portion of your trip cost can be fully reimbursed in Viking travel vouchers. Is it worth it? This is not a complete description of all benefits and limitations. Now let's compare some popular insurance plans for cruises. Afterward, you must fill out each blank field on the travel insurance form, including your personal information, preferred coverage, and travel dates. CA DOI toll free number: 800-927-HELP. Insurance benefits in the Plan are subject to limitations and exclusions, including an exclusion for pre-existing conditions. This typically reimburses you 75% of trip costs, as long as you cancel at least 48 hours before your departure. Baggage delay coverage requires a 12-hour delay. We do this because we have very elderly parents, and should we need to cancel because of their health, we don't want any argument about an exclusion for pre-existing conditions. Interruption for any reason upgrade not available. 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 reimbursement for any unforeseen expenses that may pop up in the face of such scenarios. Before comparing cruise insurance plans, lets identify some of the features you should look for when shopping around: Supplier default coverage. Unfortunately I had to cancel similarly for personal reasons and had purchased the coverage from Viking. By Insurance Site January 17, 2023. 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. Travel delay and baggage delay require a 12-hour waiting period. {{travelBanText}} {{travelBanDateFormatted}}. Prices, terms, and conditions listed in this summary are subject to change without notice, and need to be reconfirmed with your Vacations To Go cruise counselor at the time of booking. Your travel insurers emergency assistance team can also help arrange for the medevac. More: John Hancock Travel Insurance Review. 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. Skipped ports would not be covered by travel insurance, she says, in cases of inclement weather. How frequently do you sanitize my stateroom? If you miss your initial embarkation of a cruise due to a flight delay or a weather event, such as a hurricane or winter storm, travel insurance could help cover the costs of you getting to the next port of call, so you can join your cruise, says James Page, senior vice president and chief administrative officer of AIG Travel, whose subsidiaries sell policies designed to cover cruisers. Weather is not covered unless it results in the cancellation of or significant interruption to the cruise. Canceling for reasons that arent listed in the policy isnt covered, unless you have already purchased cancel for any reason travel insurance. Plans only available to U.S. residents and may not be available in all jurisdictions. WebNorwegian Cruise Insurance Coverage - **Standard** $130 / Stateroom Trip cancellation or interruption for a covered reason - Total NCL vacation cost Trip Delay - $500 Emergency Evacuation - $25,000 Accidental Medical Expense - $20,000 Sickness Medical Expense - $20,000 Baggage / Personal Effects - $1,500 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. Coverage is subject to actual policy language. 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 Tickets and other travel documents will be issued approximately 3 weeks prior to departure. 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. Very good missed connection coverage of $1,500 per person. Superior baggage loss benefits of $2,500 per person. My Travel Guard policy doesn't have cancel for any reason, but the all-important medical evacuation coverage is double Viking's. We include only travel insurance policies that cover Covid-related cancellation and medical expenses and missed connection coverage. WebWhat does travel insurance cover? Older travelers taking long, expensive cruises will most likely be paying more for the same policy as a younger traveler taking a cheaper trip.. Non insurance services are provided by Travel Guard. Live and learn, now I purchase coverage only at the time of final payment. Superior coverage limits for medical expenses and medical evacuation. 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. 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 Includes $25,000 in non-medical evacuation benefits. 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). If you wait until final payment you risk developing something between the time you book the cruise and then. (We think you will, too.). This was strictly a voluntary trip cancellation. The cost for the Viking Silver drinks package is $19.95 USD per night per guest. 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 Very good travel delay coverage of $2,000 per person. 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. Interruption for any reason travel insurance: (5% of score): Policies earned points if an interruption for any reason upgrade was available. The peace of mind gained by being a Travel Guard customer cannot be overstated. For a 7-night cruise, the cost is $139.65 USD p.p. Note: Visa requirements subject to change at any time without notice. I've learned things from Trip Insurance Store; they're great. but now I'm wondering if it does. Other potential problems might include the airline losing your checked bags, getting pickpocketed in port, the cruise line canceling your sailing due to weather or mechanical issuesor, as weve seen of late, due to not being able to run itineraries in areas affected by the coronavirus. Orlandobased travel agent Kelley Lord is an avid cruiser, with nearly 40 cruises under her belt, and she has taken out a policy for every one of them. A broad range of covered reasons for trip cancellation/interruption. My father just came off a Regent cruise and his girlfriend fell the night before they disembarked. Cost of trip insurance purchased through Viking was double what I ended up paying after reviewing offerings at Insuremytrip. NAIC # 11231, for the operating By subscribing to our newsletter(s) you agree to our User Agreement and Privacy Policy & Cookie Statement. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. For full terms and conditions of coverage, ask your Vacations To Go cruise counselor. Travel Guard offers customizable travel insurance plans for your cruise vacation. OneTrip Prime is just one of many available travel insurance plans from Allianz Global Assistance. We had a 17-night, port-intensive cruise and Europe trip planned for early June that included expensive flights, prepaid excursions, hotels, and the cruise fare, she says of one incident. 2023 Cond Nast. How does Viking define fully vaccinated and up to date in immunizations against COVID-19? After thinking about and discussing with wife we considered canceling the S.A. trip. But in my simple mind here is how I see an analogy. You can buy cruise insurance after booking your trip, right up until just before departure. Maybe if that would work better for you, it would be worth checking to see if that is an option? Contact AGA Service Company at800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or customerservice@allianzassistance.com. WebVisitor insurance USA is travel insurance that can be purchased for travel in the US and for travel outside ones home country. Are you sure you want to rest your choices? Call a Viking Expert at 1-800-2-VIKING or see your Travel Advisor. A travel insurance agent can help you match your concerns to the right travel insurance package. Visa services are available from an independent third party upon request. 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. 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. Log into our new user-friendly travel insurance plan booking platform. Without [insurance], your out-of-pocket costs could be astronomical, McDaniel says. The Forbes Advisor editorial team is independent and objective. 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 Superior hurricane and weather coverage with no waiting period. Please see our. 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 I hate paying so much for insurance. For plans without this endorsement, certain limited-time COVID-19 claim accommodations may be available. Covers lost ski days, lost golf rounds and sports equipment rental. WebStep 3: Fill out the Thailand Travel Insurance application form. But opinions are like lifejackets during a cruise ship muster drill everyone has one. 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. 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. We'll look into doing it that way next time. I called the insurance company and they allowed me to move our insurance to the new date. Any good travel insurance plan with generous medical benefits and the other benefits you want can work well for a cruise. This includes increased benefits for both Trip Interruption and Emergency Evacuation. Excellent baggage loss coverage of $2,000 per person. Visitors Insurance provides coverage for unexpected health care expenses due to accident or sickness while traveling. If you would like to obtain your visa through our partner, please visit their website and download a visa kit. Afterward, you must fill out each blank field on the travel insurance form, including your personal information, preferred coverage, and travel dates. This is only a brief description of the coverage(s) available. Because it only covers your belongings, Iceland's Majestic & South American cruises. Top-notch baggage loss coverage of $3,000 per person. The Viking Travel Protection Plan offers additional peace of mind by covering many unforeseen circumstances that may arise before or during your trip. Cond Nast Traveler may earn a portion of sales from products that are purchased through our site as part of our Affiliate Partnerships with retailers. Otherwise, it's best (like Luv2Cruise said) to buy it at the time of final payment. I usually check insuremytrip.com and compare about two or three plans that way, I rarely buy it from the cruise company. Started October 12, 2018, Copyright 19952023 The Independent Traveler, Inc. quote.travel_dates : "Departure - Return" | formatDates}}, {{quote.start_date ? You generally must buy it within 15 to 20 days of making your first trip deposit. Health & Safety FAQ | Viking Ocean Cruises (vikingcruises.com) Yes, our Travel Protection Plan helps protect you from many unforeseen circumstances that may I usually buy trip insurance from tripinsurancestore.com and have been happy. All rights reserved. Is Viking Insurance refundable? 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 Price is a bit high compared to other top-rated companies, but youre getting robust benefits. 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 company), and we purchase it within 15 days of booking the trip, even two years in advance. You could also lose the cost of pre-paid shore excursions. Enjoy the convenience of paying for your trip by echeck (also known as EFT or electronic funds transfer). Insurance concept. Excellent missed connection coverage of $2,000 per person after 3 hours. This story was last published in March 2020. Pricey and we didn't need it. 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