Has anyone used Royal Caribbean insurance and if so, was this value for money?
Hi, the only advice i can give is, from my daughter who works for a travel agents she has told us that it gives you more cover for yor valuables/clothes/suitcases etc as there is no restricted allowance for the amount of luggage that cruisers can take, they enevitably take more. You also get cover if you are confined to your cabin through illness;if shore excursions are missed etc. I hope this has been of help to you,it is well worth discussing it with Insurance people/or travel agent.
Ascertain the amount of cover for e.g cancellation and loss of baggage on your existing policy. If you feel it is not sufficient to cover cruise fares and type/amount of clothes you will take on a cruise, check if you can increase the amount of cover under those sections of your policy. We have an annual policy on which we have done that and the additional premium works out at considerably less than the cost of an individual cruise lines policy for each cruise.
This is very much a personal preference. We have had a general annual insurance, albeit worldwide, and take three or four cruises a year plus other breaks and have found that we are reasonably covered for all our needs. The extra insurance offered with "cruise insurance" is, as far as we are concerned, sort of a belt and braces measure and we have, as I said, felt adequately covered. If you intend to go ice skating or surfing then I would, and I am not joking, be more inclined to get Winter Sports cover or Extreme Sports cover as an accident whilst pursuing these activities is often not covered whereas over-eating is. Hope that is of some help. ....Neil.