What’s the Best Cruise Travel Insurance for Seniors?

Introduction

Many seniors enjoy cruising as a favorite vacation because of its convenience to visit many places, and you only have to unpack once. Just book the cruise, show up, and your meals, transportation and entertainment are all provided.

The cruise ship itself can be the destination. Modern ships offer innovations like skydiving simulators, robotic bartenders, celebrity chef kitchens and all-suite staterooms. In addition, many provide facilities that accommodate family members of all generations traveling together or even passengers cruising solo.

Whether you’re taking a quick getaway or trip-of-a-lifetime cruise, include travel insurance in the planning process.

Why Get Cruise Travel Insurance?

No one plans to get hurt or sick on or before vacation, but it happens. Unexpected medical emergencies create additional costs.

It might be something small like a broken bone or something life threatening like a heart attack or stroke. This can lead to huge medical bills and even bigger evacuation costs. You could end up spending retirement savings to pay for overseas medical.

Cruise travel insurance protects seniors from catastrophic financial loss. It’s a senior traveler’s best friend against the unexpected.

Unexpected trip cancellation is a common concern for seniors. It’s important to protect your investment in prepaid non-refundable costs like cruise fare, airfare, hotel bookings, rental cars, port excursions, medical device and mobility rentals and airport transfers.

With cruise travel insurance, you could cancel your cruise for a covered reason and be reimbursed 100% of those costs.

There are 4 main ingredients in every cruise trip insurance policy:

In this review, we cover how to pick most important parts of a travel insurance policy, what insurance the cruise lines offer, and go over what a comprehensive cruise travel insurance policy looks like.

What Does Cruise Line Travel Insurance Cover?

Travel insurance purchased directly from the cruise line only covers the travel arrangements you made through them. The cruise line insurance only covers the cruise fare. All other reservations were at financial risk.

To remedy this, our client got a policy through AardvarkCompare that covered all their prepaid, non-refundable reservations regardless of booking source.

What is Not Covered?

It does not cover any privately booked air, excursions, scooter, medical rental equipment, prepaid parking lot.

One client’s recent Caribbean cruise booking included the following prepaid, non-refundable reservations:

  • Cruise fare, taxes and prepaid tips
  • Discount hotel night before embarkation through Hotels.com
  • Off-site parking lot company near port (they drove)
  • Electric scooter rental for use onboard (not provided by cruise line)
  • San Juan food tour booked directly with the provider
  • Jeep rental in St. Maartin from local company

You may also have prepaid, non-refundable bookings for:

  • Airfare, upgraded seats
  • Rail fare
  • Medical equipment rental like oxygen or dialysis machine
  • Kennel
  • Airport to port transfers

What to Look for When Buying Travel Insurance

Trip Cancellation

One of the biggest concerns for senior cruise-goers is: What happens if I’m sick or injured and can’t go on the cruise?

Travel insurance pays a full refund for the unforeseen sickness, accidental injury or death of a traveler or non-traveling family member. In fact, it’s the #1 reason why people cancel their trips.

Most cruise insurance offered by cruise lines don’t allow many reasons for cancellation, but when you shop for travel insurance in the marketplace like AardvarkCompare, you find better policies with more flexible cancellation reasons.

Here are a few of the additional cancellation reasons we offer that most cruise lines don’t:

  • Theft of passports or visas
  • Inclement weather
  • Natural disaster or hurricane at destination
  • Mandatory evacuation orders of destination
  • Your residence made uninhabitable by natural disaster
  • Terrorism
  • Financial default of airline, cruise line or tour operator
  • Strike causing cessation of travel services
  • Traveling family member required to work during vacation
  • Children’s school extended beyond predefined school year
  • Trip delayed more than 50% of scheduled trip length
  • Attend child birth of family member (if not pregnant when insurance purchased)

The more covered cancellation reasons, the better.

Pre-Existing Conditions

In the world of travel insurance, a pre-existing condition is any disease, illness or injury you or your traveling companions were treated for in the past 60-180 days, including treatment, testing and medication change. Older, stable conditions controlled with medication are covered.

Cruise line travel insurance does not cover pre-existing conditions. Some offer a refund for cruise credit for a pre-existing condition cancellation but pay $0 for a medical emergency involving a pre-existing condition.

Seniors can make sure pre-existing medical conditions are covered in travel insurance by purchasing the policy within 14-21 days of the initial trip payment. Without the Waiver of Pre-existing condition benefits, a claim for cancellation, interruption or medical treatment related to the pre-existing condition would not be covered.

Senior Tip: Make sure you get a pre-existing condition waiver on your cruise travel insurance policy.

If you cannot, then make sure the look back period is no longer than 60 days. That is the time the insurance carrier looks back to see if you have a pre-existing medical condition affecting a claim.

Single Supplement

Since cruises are priced based on double occupancy, many seniors wonder if they can still go if their traveling companion cancels.

Unfortunately, most cruise line insurance does not offer this benefit.

Many policies at AardvarkCompare feature a single supplement benefit. If your traveling companion cancels their trip for a covered reason, your cruise trip insurance can cover the added fee for change in occupancy.

This gives seniors more freedom to travel without the worry their roommate’s cancellation might make them cancel.

Trip Interruption

Another major concern of senior cruise fans is cutting the trip short to return home early due to an unforeseen illness, injury or death of a traveler or family member. In fact, it’s one of the most common reasons for a trip interruption.

Cruise travel insurance covers trip interruption at 100-150% of the trip cost to make sure you get reimbursed for the unused portion of your trip. It also helps pay the added cost of going home early.

Medical Insurance – This is one of the most important benefits

Many seniors believe Medicare or the government will pay for their medical costs outside the country. Unfortunately, this is not the case.

Medicare does not cover any treatment outside the US. Some Medicare supplement policies offer up to $50,000 of international medical care, but it’s a lifetime limit. In addition, there are deductibles and copays, and you may have to get pre-approval beforehand.

Travel insurance sold by cruise lines is habitually weak for medical insurance. Most offer $10,000-$25,000 if you have a medical emergency. It’s totally inadequate, and potentially harmful. People who buy cruise line travel insurance assume they’ll have good medical but they won’t. They’ll end up paying far more out of pocket.

AardvarkCompare recommends seniors taking cruises outside of the US have a minimum medical insurance benefit of $100,000 on their cruise insurance. We recommend this amount even when going to Canada, the Caribbean, Mexico and Bermuda.

In addition, we also urge you to get at least $250,000 emergency medical evacuation benefit to get you to the proper facility to treat your condition, and then back home.

A medevac flight from the Virgin Islands to Miami for a heart attack can cost $25,000-50,000; to cross the Atlantic, $100,000-$125,000; and across the pacific at least $250,000.

Local health care programs are only available to the residents of that country, not traveling Americans. In fact, Americans are often sent to private hospitals for treatment where an inpatient stay may cost $3,000-$4,000 per day.

Important to note, the US State Department will not pay for any medical services for Americans traveling outside the country.

Emergency Evacuation – This is another extremely important benefit

Imagine your left arm hurt as the ship arrived in St. Maartin. The ship’s doctor diagnosed a heart attack and you need immediate critical care. If the local hospital is not properly equipped or staffed to handle your emergency, you must go somewhere else.

Your travel insurance emergency medical evacuation benefit would cover the flight back to Miami for proper treatment. Then, once you are stable, it pays to return you home. An air ambulance flight from St. Maartin back to Miami might cost $50,000.

Your regular health insurance at home does not cover this. TRICARE For Live is also pretty dodgy about how and when they provide evacuation.

Cruise line travel insurance benefits quit at $25,000 for emergency evacuation. While that might be acceptable close to the US border, AardvarkCompare recommends a minimum of $250,000 if you venture more than a hundred miles from the US.

An air ambulance flight back from Europe costs $100,000-150,000, while a flight across the pacific is at least $250,000.

Paying for medical evacuation without proper cruise travel insurance could annihilate your retirement savings, change your lifestyle and permanently end your retirement travels.

Baggage – loss & delay

When it comes to cruising, there’s a saying: Pack half as much as you planned but bring twice as much money.

Whenever possible, carry on your baggage. If that’s not possible, avoid traveling with expensive items like electronics, cameras, jewelry or precious metals.

If your bags are delayed more than the time specified in the policy, you’ll be reimbursed for replacing important items like clothing and toiletries. (Tip: Keep the receipts.) We always recommend carrying medications and travel documents with you since they could be delayed or lost in checked baggage.

Cruise line travel insurance only covers baggage when it’s in their custody. Generous policies also cover it on an airline on the way to the cruise ship (but not going home).

All cruise travel insurance plans available at AardvarkCompare cover baggage anywhere it goes.

Cancel For Any Reason

Cancel for Any Reason is great if you need flexibility for a situation you can control, such as staying home if the dog is sick.

Some cruise lines upsell Cancel For any Reason, but they only offer cruise credit as compensation.

Most senior cruisers find Cancel For Any Reason unnecessary since the cancellation reasons of AardvarkCompare’s policies cover the most common situations.

Interruption For Any Reason

This works the same as Cancel For Any Reason, but after you’ve already left on your trip.

For example, you board the ship and are totally disgusted by the condition it’s in. The stateroom is outdated, the bed is uncomfortable, and the air conditioning doesn’t work.

You can use Interruption For Any Reason to leave after 48-72 hours and go home. You’d receive 75% refund of the unused portion of your trip.

Cruise line travel insurance does not offer this benefit.

Cost

Time and again in our reviews of cruise line travel insurance we find that AardvarkCompare’s travel partners offer 5-10 times the amount of coverage at a fraction of the cost.

We compared at similar cruises for each of the 3 cruise lines most popular with our clients: Holland America, Princess and Celebrity.

Our hypothetical couple, ages 55 and 60, are taking a 7-day Eastern Caribbean cruise to Mexico with a standard balcony cabin and cruise cost approximately $2,900. Our trip cost is $2915:  the mean average of the 3 cruises.

Trip Cancellation & Interruption

Cruise lines cover trip cancellation for a slim number of reasons, with a few exceptions. By comparison, AardvarkCompare’s marketplace travel insurance policies have comprehensive lists of cancellation reasons. This benefits the traveler more.

Overall, trip cancellation and interruption benefits sold by cruise lines are weak. It’s almost like they don’t want you to cancel.

Pre-existing Conditions

More importantly, cruise line insurance does not cover pre-existing conditions. That means if you cancel, interrupt, seek medical treatment or require medical evacuation due to a pre-existing condition, their policy will not cover you.

Most policies at AardvarkCompare cover pre-existing conditions when purchased soon after the initial trip deposit.

Medical Insurance

The most offensive fact about travel insurance sold by cruise lines is how little medical insurance they give senior passengers.

Seniors need at least $100,000 medical insurance because Medicare doesn’t pay outside the US.

The Worldwide Trip Protector Plus offers $100,000 medical insurance, the minimum we recommend for senior cruise travelers. It is one of several quality travel insurance policies with at least $100,000 medical coverage.

Emergency Medical Evacuation

Because many seniors travel overseas, AardvarkCompare advocates for at least $250,000 of medical evacuation insurance. The high cost of evacuation can financially devastate families.

Evacuation offered in cruise line insurance is simply repulsive. Most policies on hand at AardvarkCompare provide robust evacuation benefits at an affordable price.

Covered Expenses

Cruise line travel insurance only covers the bookings you made through them. If you bought airfare, hotels or transfers through another source, they won’t be covered. This leaves a huge gap of risk exposure to seniors if they must cancel.

Every policy through AardvarkCompare covers all travel expenses, regardless of where you got them.

Cost

The cost of cruise line insurance for the miniscule benefits they provide is unacceptable. It’s a bad deal for everyone, except the cruise line.

You can always find much higher value at AardvarkCompare. Get a better policy for lower cost. It’s a win-win combo for seniors.

AARP recommends their members use a travel insurance marketplace like AardvarkCompare to search and compare policies. By doing so, you’ll always find the best value for your money.

Conclusion

Cruise travel insurance offered by cruise lines at checkout is a lousy deal for seniors. It’s very high priced with embarrassingly low benefits. Among those sad benefits are the medical insurance and emergency evacuation limits.

Seniors also cannot cover any travel arrangements made outside the cruise line with that insurance. You’d have to buy a second policy to get full coverage.

Even fully-featured, top of the line travel insurance policies available at AardvarkCompare cost less than the cruise line insurance. For seniors, having the better medical and evacuation coverage we provide can literally be the difference between life and death.

Invest in your financial protection and peace of mind with a superior travel insurance policy at AardvarkCompare.

Summary of Cruise Line Travel Insurance

  • High cost
  • Low medical and evacuation
  • Few cancellation reasons
  • Cruise credits instead of cash refund
  • Doesn’t cover other travel arrangements
  • Many limits and exclusions
  • Pre-existing conditions not covered for cancellation or medical treatment

Will I Pay More Buying Travel Insurance From a Comparison Website?

Think you can get a better deal directly with the insurance company? Think again.

You will see the same price at the insurers’ site as you will on AardvarkCompare. 

Head over to AardvarkCompare’s online travel insurance quote tool and get an instant quote with dozens of options.

Have questions? We would love to hear from you. Send us a chat, Send us a Mail or alternatively Call Us at (650) 492-6298.

Recent AardvarkCompare Travel Insurance Customer Reviews

TP1|AardvarkCompare.com

TP3 | AardvarkCompare.com

I Panicked When I Discovered
I panicked when I discovered the Travel Insurance I had through Expedia had expired when I changed my flight reservation.
When I went to renew I was told I couldn’t.
I discovered Aardvark on my AARP site and I was excited I could purchase a an even better travel plan with coverage starting with my trip departure, at a cost I could afford.
I was confused with the initial site and was Mr. Breeze reached out to me for clarification.
He explained the policy more thoroughly and addressed all my concerns, can’t get any better then that!
Thank You Aardvark and thank you Jonathan for your assistance.
I can go on my trip now knowing I’ll be covered for medical emergencies, and then some.
Barbara

TP6 - AardvarkCompare Review | AardvarkCompare.com

Good Choices, Well Explained
I liked the way insurance was explained. I had read an article your company had written explaining Expedia trip coverage versus other choices.
I used this advice to make the best choice for me and my traveling companions. That choice was to take a policy that provided much better medical and evacuation primary care.
Your site allowed comparisons, and I think I got the best value for my money. I don’t like constant follow up emails. You could back off a bit!!
Louise


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Is Costa Carefree Travel Insurance Worth Buying? – Company Review

Costa Cruises Carefree Travel Insurance

Is Costa Carefree Travel Insurance Worth Buying is the question we will try to answer for you today.

Costa Cruise Line’s roots began like many others as cargo shipping and is now the largest cruise line based in Europe. Today, Costa is owned by Carnival Corporation and features a cruise experience with an Italian flair.

Costa’s “Carefree” travel insurance is available at checkout, as you will see below, when we made our Costa cruise plans.

Costa Cruises’ brand of travel insurance is called “Carefree Travel Protection.” It’s a policy underwritten by Nationwide, administered by Aon Affinity and made specifically for Costa Cruises. Both are reputable insurance partners.

In our experience, policies made just for the cruise or tour company often lack sufficient emergency medical insurance and often have gaps of coverage. Costa’s Carefree Travel plan holds true to form with highly restrictive cancellation reasons and lack of coverage for pre-existing medical conditions. Moreover, refunds in the form of future cruise credits, and very weak medical and evacuation benefits add to a trip insurance poliicy that is best avoided.

Our Costa Cruise

Our globetrotting senior couple, who are 55 and 60 years old, chose a 6-night Mediterranean Cruise with a balcony room. The total fare including port fees is $1,923.

Clicking through to make our deposit, Costa asks if we want to add Travel Protection. It was a bit tricky to get the price to actually show up, but finally discover their travel insurance plan costs $258 for two people.

Does this sound like a good deal? Should we buy travel insurance from Costa Cruises? This article answers that question, and provides alternative options to the Costa Carefree Travel Protection.

Costa Cruises Cancellation Policy

If you choose not to buy the Costa Cruises travel insurance, you will be subject to their cancellation policy.

To understand the Costa cancellation policy, we note that Costa Cruises offers guests the option to choose a “Comfort level” for their cruise. It’s actually a complex system of upsells: basic, classic, premium and deluxe.

Although we have seen other cruise lines upsell drink packages, on board credit or prepaid tips at checkout, we have never seen a cruise line use a cancellation policy based on the upsold packages. Normally, cancellation tiers are based on the duration or destination of the cruise.

As you might expect, the Basic level has the most restrictive cancellation policy, while the Classic, Premium and Deluxe levels are a bit more forgiving.

In short, the Basic cancellation policy charges a minimum of 15% cancellation fee until 90 days prior to departure, then it goes up to 100% from there. The other plans keep the deposit as a cancellation fee until 57 days prior to departure, then they too increase over time to 100% fee.

Trip Cancellation & Interruption

Costa Carefree trip insurance has a painfully short list of covered cancellation reasons:

  • Accidental injury, illness or death of a traveler, traveling companion or non-traveling family member
  • Hijacking, quarantine, jury duty, subpoena
  • Your home is uninhabitable due to natural disaster
  • Involved in traffic accident on your way to departure
  • Terminated or laid off from work, after 1 year of continuous employment

These reasons are basic and limiting for cancellation (and trip interruption). Even the most basic policies offered through travel insurance marketplaces like AardvarkCompare have at least 10 cancellation reasons.

There are a several cancellation reasons we noticed are not on this list, but appear on most of the policies available through AardvarkCompare:

  • Inclement weather
  • Natural disaster or hurricane at destination
  • Your residence made uninhabitable by natural disaster
  • Terrorism
  • Military leave revoked
  • Financial default of airline, cruise line or tour operator
  • Strike causing cessation of travel services

Did you notice anything odd? Costa’s travel insurance plan does not cover default of a common carrier or cruise line. So, if Costa Cruises went into bankruptcy, even their travel insurance policy won’t reimburse you for your financial loss. Yikes!

Trip Interruption

Trip interruption occurs when one of the listed cancellation reasons happens to you after you’ve already begun your trip and must return home early.

If you’re two days into your cruise and have a heart attack, this is a trip interruption. You won’t be staying on the ship any longer because you’ll be moved to the hospital.

Costa Carefree pays a 100% refund for the unused prepaid portion of your cruise if it’s interrupted. Although that sounds good, if the interruption is due to a pre-existing medical condition, there is no refund.

Pre-Existing Conditions

Travel insurance policies do not cover cancellation due to a pre-existing condition. It’s a standard, industry-wide exclusion, unless the policy has a Medical Waiver. More about Medical Waiver later.

Pre-existing medical conditions can affect whether or not a policy pays benefits for trip cancellation, interruption, medical insurance and emergency evacuation. In other words, this is an important element of any policy, so please investigate as every policy treats pre-existing medical conditions differently.

Costa Cruises defines a pre-existing medical condition as:

A condition that first presents, worsens, becomes acute, or has symptoms causing a person to seek diagnosis, care or treatment, or prompts a change in medication during the 60 days before you purchased your cruise vacation.

Costa Carefree travel insurance is no exception. They do not reimburse for cancellation due to a pre-existing condition.

For a pre-existing condition cancellation, Costa Carefree offers future cruise credit equal to 100% of the prepaid, non-refundable value of the cruise. It’s better than nothing, but–surprise! There are restrictions and it expires. Bet you didn’t see that coming!

In the travel insurance marketplace, most policies offer a Waiver of Pre-Existing Condition, which modifies the policy to cover pre-existing conditions. That way, if you must cancel due to a pre-existing medical condition, you still receive 100% refund in cash.

AardvarkCompare recommends travelers get a policy with a Pre-Existing Condition Waiver whenever possible. Without it, there is an increased risk the insurance company could deny your claim. Medical Waivers are Time Sensitive – you must buy the policy promptly after your first trip deposit or payment. Normally we only have 2 or 3 weeks to get the policy in place so as to get the Medical Waiver included. It does not cost any more, it is just a question of timing.

Medical Insurance

For cruisers leaving the US, emergency medical insurance is one of the most important parts of a travel insurance policy.

Many seniors are surprised to find out that Medicare does not pay health care providers outside the US. In addition, the US State Department will not provide any funds to cover medical care.

Costa Carefree trip insurance has medical insurance, but it’s a feeble $10,000.

Hospitals outside the US might have great public health programs for their residents, but deny that same coverage to visitors. Instead, Americans go to private hospitals and must pay full price, often $3,000-4,000 per day.

As a result, AardvarkCompare recommends travelers have at least $100,000 of medical insurance when leaving the country. This amount is enough to cover you as an inpatient, but also medical treatments and some surgeries if necessary.

Emergency Medical Evacuation

Emergency medical evacuation is another major segment of all trip insurance policies.

Evacuation moves you from an unsuitable facility to a properly equipped hospital for initial treatment. Then it provides transportation home after a medical emergency so you can continue treatment near friends and family.

In addition, emergency evacuation also returns a traveler’s remains home in the unlikely event they die on their trip.

In a critical health event, your ride home might require a private jet fitted as an air ambulance with a medical team on board to oversee your care. If so, this could set you back $100,000 to $250,000.

Costa Carefree insurance pays a maximum of $30,000 for medical evacuation.

At AardarkCompare, we think a $30,000 evacuation benefit is downright disrespectful. As a result, we recommend at least $250,000 evacuation coverage for US citizens traveling outside the country. That way, you can get home properly if you experience a worst-case scenario. If you were within 6 hours of home, then perhaps $100,000 of Medical Evacuation benefit is sufficient. But $30,000? This is a pitiful amount of coverage, and could leave a traveler with incredibly high levels of co-payment in the worst case scenario of a long-range private jet medical evacuation home.

What It Covers and Does Not Cover

Costa Carefree trip insurance covers all of your travel arrangements (cruise fare, airfare, excursions, transfers and hotels) booked by Costa.

If you make independent travel arrangements, such as through a travel aggregator website or directly with an airline or hotel, then Costa Carefree will not cover one penny of it. Note that not only would your additional trip costs not be covered by Costa, but your medical and evacuation costs ahead of and after the cruise itself would also be missed.

If you cancelled your cruise, all money spent on private bookings would be entirely lost.

Unfortunately, this is a standard practice conducted by most travel insurance plans offered by cruise lines.

Costa Carefree travel insurance does not cover your travel agent going out of business or bankrupt.

Alternatives to Costa Carefree Travel Protection

Using the earlier example of a $1,923 trip, we plugged the data into the instant quote tool at AardvarkCompare.com to find alternative travel insurance policies to the Costa Carefree travel protection.

The least expensive policy that included Pre-Existing Medical Condition coverage is Travel Insured International Worldwide Trip Protector. This a mid-range policy with solid medical benefits.

Here are a few highlights:

  • $100,000 medical insurance vs Costa $10,000
  • $1,000,000 evacuation vs Costa $30,000
  • Covers Pre-Existing Medical Conditions vs Costa no coverage
  • Price $107 for both travelers vs Costa $258

We also compare Costa Carefree to the big brother, Worldwide Trip Protector Plus, because it offers Cancel For Any Reason benefits.

How Costa Carefree Measures Up Against Other Travel Insurance

Worldwide Trip Protector at $107 is a 60% savings over the Costa Carefree plan.

Worldwide Trip Protector Plus at $164 is a 40% savings over the Costa Carefree plan.

Next, we go over some of most popular travel insurance benefits not found on Costa Carefree trip plan.

Pre-Existing Conditions

As discussed earlier, the two alternative plans to Costa Carefree shown above both include Pre-Existing Condition Waivers when these conditions are met:

  • Your payment for this policy and enrollment form are received within 21 days of the date your initial payment or deposit for your trip is received; and
  • You insure all prepaid trip costs that are subject to cancellation penalties or restrictions and also insure within 21 days of the payment or deposit for those travel arrangements the cost of any subsequent travel arrangements (or any other travel arrangements not made through your travel agent) added to your trip; and
  • You are not disabled from travel at the time your premium is paid.

Cancel For Work Reason

While Costa Carefree trip insurance covers involuntary termination or lay off as a covered cancellation, it does not cover cancellation if an employer gave permission for vacation then rescinded it.

Many policies available through AardvarkCompare travel insurance marketplace offer Cancel For Work Reason benefits. It’s valid for you, your traveling companion or family member traveling with you if required to work during the trip.

Cancel For Any Reason

Cancel for Any Reason is just that simple.

If you need to cancel your trip for a reason not covered or excluded in the policy, Cancel For Any Reason allows you to do that and still get a cash refund. However, the cost of this flexible privilege is that the refund is 75% rather than 100%.

Several top-shelf travel insurance plans offer Cancel for Any Reason, including Worldwide Trip Protector Plus, priced at $164 above.

Missed Connection

If you miss your cruise or tour departure because your arrival at your trip destination is delayed for 3 or more hours, due to:

  • delay of a Common Carrier
  • documented weather condition preventing You from getting to the point of departure;
  • quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

Then the Missed Connection benefit in either of the Travel Insured Worldwide Trip Protector/Plus policies will reimburse you up to the maximum benefit for:

  • Additional Transportation Cost to join Your Trip; and
  • Unused, prepaid expenses for the water travel arrangements; and
  • Reasonable accommodation, telephone and meal expenses up to $200 per day necessarily.

Be sure to save your receipts!

Single Supplement

On cruises and tours where pricing is based on double occupancy, the Single Supplement benefit can make the difference between going on vacation or not.

In the event your traveling companion or family member must cancel due to a covered reason, you do not have to.

Single Supplement benefits will be paid up to the maximum benefit amount for the additional cost due to a change in the per person occupancy rate.

Most policies featured on AardvarkCompare‘s website have a Single Supplement benefit, while CostaCarefree does not.

Conclusion

It’s unfortunate and misleading Costa named its travel insurance policy “Carefree,” because it’s anything but carefree. 

In fact, cruisers, particularly seniors, who purchase the policy believing they’ll have cancellation protection and medical insurance would be in for a harsh reality if they had to make a claim.

Here’s why:

  • Costa Medical and evacuation limits are disgraceful. It leaves the traveler open to massive financial risk in the event of a medical emergency.
  • Trip cancellation and interruption are extremely limited.
  • Pre-existing conditions are excluded with Costa. Should a traveler need to cancel due to a pre-ex, they’re only offered future credits with an expiration date.
  • It does not even cover default of Costa itself — the cruise line. If Costa went into bankruptcy, neither their travel insurance plan or the company itself would pay for a reimbursement. That’s pretty weak.


All in all, it’s a traveler-unfriendly and restrictive policy with a premium price.

We urge Costa cruisers considering the Carefree Travel Protection plan to search out alternative travel insurance plans because they will get a better value: more benefits for a lower price.

Try AardvarkCompare

Travelers can find the best plan to fit their travel needs using a marketplace like AardvarkCompare to shop their options. 

At AardvarkCompare, our knowledgeable licensed customer service specialists will help you compare, contrast and understand the coverages in a plan.

We guarantee you will not find a lower price for the plans on our site anywhere else.  Not even through the insurer directly.

Have questions? We would love to hear from you. Send us a chat, Send us a Mail or alternatively Call Us at (650) 492-6298.

Recent AardvarkCompare Travel Insurance Customer Reviews

TP1|AardvarkCompare.com

TP3 | AardvarkCompare.com

I Panicked When I Discovered
I panicked when I discovered the Travel Insurance I had through Expedia had expired when I changed my flight reservation.
When I went to renew I was told I couldn’t.
I discovered Aardvark on my AARP site and I was excited I could purchase a an even better travel plan with coverage starting with my trip departure, at a cost I could afford.
I was confused with the initial site and was Mr. Breeze reached out to me for clarification.
He explained the policy more thoroughly and addressed all my concerns, can’t get any better then that!
Thank You Aardvark and thank you Jonathan for your assistance.
I can go on my trip now knowing I’ll be covered for medical emergencies, and then some.
Barbara

TP6 - AardvarkCompare Review | AardvarkCompare.com

Good Choices, Well Explained
I liked the way insurance was explained. I had read an article your company had written explaining Expedia trip coverage versus other choices.
I used this advice to make the best choice for me and my traveling companions. That choice was to take a policy that provided much better medical and evacuation primary care.
Your site allowed comparisons, and I think I got the best value for my money. I don’t like constant follow up emails. You could back off a bit!!
Louise


Is Holland America Line Travel Insurance Good Value? – Company Review

In our Holland America Line Travel Insurance review, we highlight the costs of its two plans and the limited benefits that are provided.

Strengths

  • Platinum plan underwritten by Nationwide
  • Standard plan available to everyone, regardless of country or state of residence
  • Rates not based on age

Weaknesses

  • Plan is charged per person, instead of group
  • Only covers the Holland America Line travel arrangements, no arrangements made by the traveler or outside travel provider
  • Very weak medical
  • Standard plan has virtually no benefits for the cost

Summary/Overview

Before you buy Holland America Line Travel Insurance, take a moment to familiarize yourself with what it covers and review all your options.

Overall, both levels of Holland America Line Travel Insurance have a generous but expensive cancellation plan. However, Holland America coverage is completely inadequate in the event of a serious illness or accident. Medical Evacuation limits are dubious in an emergency. For Holland America Line guests, there are significantly better cruise travel insurance and cancellation plans available in the wider travel insurance market.

Lastly, we present alternative travel insurance options available for US customers. These plans offer significantly higher benefits at a much lower price.

Holland America Line travel insurance

Trip cancellation insurance

Trip Cancellation for Any Reason

Canceling for Work Reasons

Emergency Medical coverage

Emergency Medical Evacuation

Cost of the policy

Alternative travel insurance to Holland America Line Cancel Protection Plan

Our Holland America Line Cruise

Our illustrative couple, a 55- and 60-year old, chose a Holland America 7-day Eastern Caribbean cruise.

The total fare for 2 travelers including taxes is $1,638. Later, we use this trip cost to compare alternative travel insurance plans.

Holland America Line Cancellation Policy

Holland America’s cancellation coverage is reasonably generous when compared with other cruise line insurance. However, the generosity is limited to certain destinations.

This information comes directly from Holland America’s website:

The following applies to cruises to Caribbean; Panama Canal; Mexico; Canada & New England; Pacific Coastal; Pacific Northwest; Alaska and Alaska Land+Sea Journeys; Europe (except Prinsendam Europe, 30+ day Transatlantic and segments of 30+ day Transatlantic) and 27-day or less Hawaii sailings

For other destinations, the cancellation fees begin sooner and are less forgiving. On the positive side, Holland America Line is one of the few cruise lines that provides a refund in cash. Many lines only offer a future credit but keep your money if you cancel. Under those circumstances, this is a positive feature of Holland America Line.

Cruise lines, like airlines, moved in the direction of non-refundable deposits, so at minimum you will lose your deposit for a cancellation.

What is Holland America Cancel Protection Plan?

When you book your Holland America cruise, you will be invited to buy travel insurance: either the Holland America Line Cancel Protection Plan Standard or Platinum.

Upon inspection, we discover the Standard Cancel Protection Plan is not a travel insurance policy. Instead, it is an optional upgrade to Holland America Line’s standard cancellation policy and administered by Holland America Line.

On the other hand, the Cancel Protection Plan Platinum is an exclusive insurance policy written for and sold by Holland America Line, underwritten by Nationwide Mutual Insurance Company.

Holland America Line requires the traveler make their Cancellation Plan selection before entering contact info.

Standard Cancel Protection Plan

Adding the Standard Holland America Line Cancel Protection Plan brings the trip cost up from $1,638 to $1,796. That’s because Holland America Line charges each traveler $79 for the trip insurance.

What do you get for the additional $158?

Our Standard Cancellation Protection Plan (Cancel Protection Plan Standard Plan) will allow you, for any reason, to provide written cancellation up to 24 hours prior to the start of your scheduled travel (sea, land and/or air) arrangements made by Holland America Line and receive a refund equal to 80% of the eligible amounts paid. Cancel Protection Plan Standard is available to all guests, regardless of residency.

Basically, this plan costs our travelers $158 to extend the cancellation out to 24 hours prior to departure for an 80% refund. That means they paid a $158 fee and will lose at least 20% of the cruise fare cost: $327.60.

Still, it lacks full trip coverage. While this plan provides baggage loss/damage protection up to $500 (while bags are in the custody of Holland America Line), it has no medical expense insurance or emergency medical evacuation benefits.

Again, this cancellation plan is not a travel insurance policy. It’s simply an improved partial refund due to cancellation than without the plan.

Holland America Standard Protection Plan is NOT Travel Insurance

Platinum Cancel Protection Plan

Here, the Platinum Holland America Line Cancel Protection Plan brings the trip cost up to $1,836. That’s because each traveler is charged $99 for the trip insurance.

What does the Platinum Travel Insurance Plan cover for $189?

Our Platinum Cancellation Protection Plan (Cancel Protection Plan Platinum) enables you to supplement the benefits provided under the Cancel Protection Plan Standard Plan with higher cancellation reimbursement and extends the eligible cancellation period up until the start of your scheduled travel (sea, land and/or air) arrangements made by Holland America Line. Cancel Protection Plan Platinum also provides insurance coverage for trip delays and interruptions, medical expenses and much more. In addition, Cancel Protection Plan Platinum includes 24-hour worldwide emergency assistance services.

This plan is made up of two parts. First is the upgraded Cancellation policy sponsored by Holland America Line, and second is the actual insurance policy with trip interruption and medical benefits.

Holland America Line – Standard vs Platinum Cancel Protection Plan

Holland America Standard Cancel Protection Plan

Standard plan offers virtually no protection for the price. It’s just an expensive, upgraded cancellation policy.

Holland America Platinum Cancel Protection Plan

Side by side, the Platinum Plan puts the Standard Plan to shame. Unfortunately, the traveler still risks incomplete coverage and unfavorable value buying the Platinum Plan.

Holland America Platinum Plan has woeful levels of Emergency Medical Insurance and Emergency Medical Evacuation.

Neither Plan Covers Privately-Booked Travel Arrangements

Under the Platinum travel insurance plan, cancellation and interruption coverage only apply to products and services sold by Holland America Line.

When you made your own private arrangements, their Cruise Insurance won’t cover a penny of it.

On the contrary, every policy at AardvarkCompare provides trip coverage for all prepaid non-refundable costs, not just the cruise.

This may include airfare, rail tickets, excursions and tours, event tickets, hotel rooms, long term parking, medical device or mobility rentals and port/airport transfers.

In other words, Holland America Line Travel Insurance will leave you completely unprotected in the time spent traveling to and from the cruise – a critical omission of coverage.

What Medical Insurance Benefits Do I Need On a Cruise?

No one goes on a trip expecting massive medical bills or a medical evacuation will come with it.

Travel Medical Insurance covers your emergency doctor and hospital bills while outside the US. Emergency Medical Evacuation gets you to the best place to treat your condition, and later brings you back home after your ordeal.

Medical Insurance Overseas

At AardvarkCompare, we believe the only time it’s appropriate to consider lower medical protection overseas is when a traveler has a health insurance that pays full benefits outside the US. Unfortunately, few Americans own health insurance policies with international coverage.

Travel Medical insurance is only effective when it can mitigate a worst-case scenario. We have seen worst-case scenario, so we always recommend a traveler carry at minimum $100,000 of Travel Medical Insurance protection when outside the US.

That may seem like a lot, but unexpected traumatic injury or illness often result in significant medical expense. International private hospitals can charge up to $3,000-$4,000 per day.

A policy with only $10,000 or $15,000 medical coverage won’t last long before the hospital bills you personally. A minimum medical benefit of $100,000 will buy you time and treatment.

Where to Seek Medical Treatment Overseas

Moreover, many Americans believe overseas public health services are free and open to treat a sick or injured American traveler. On the contrary, public health services are not open to foreign visitors, so Americans must seek treatment at costlier private health clinics and hospitals.

As a result, you will pay full price to use private health facilities. Again, the US State Department does not provide financial support to US residents needing overseas health care. In short, you are completely on your own.

Therefore, proper travel medical insurance is necessary.

What Medical Evacuation Benefits Do I Need When Cruising?

It’s not unusual for US tourists to require medical evacuation.

If you experience a serious accident or illness on your trip and the local hospital is not equipped to treat you, you need evacuation to the appropriate facility.

Transport may be as simple as transfer to a nearby hospital or as complicated as a private jet outfitted with medical equipment accompanied by a nursing team to another country, such as home.

Without evacuation, you’d be left to recover alone for weeks or months in a foreign country. In any event, patients recover faster when supported by nearby family and friends. Medical Evacuation provides this.

Health Insurance Won’t Help You

Don’t count on your health insurance to send a plane to pick you up and bring you home.

Even if you have good health insurance in the US, it does not include medical evacuation. If you break a leg in Canada, have a stroke in The Bahamas or get a disabling virus in Belize you will be stuck there until you are well enough to take a commercial flight home.

And again, the US State Department will not help with the financial costs of your return home.

Recommended Medical Levels

Specifically, travelers who cruise within 3-4 hours of the US border should carry a minimum $100,000 of Medical Evacuation benefits.

Cruisers venturing further from home need a minimum $250,000 of Medical Evacuation – the cost of a long-range private jet staffed with a medical evacuation team.

Holland America Trip Medical Insurance Benefits Are Dangerously Low

Next, we highlight the Holland America Line Cruise Insurance Medical Expense Insurance and the Emergency Evacuation coverage levels.

In the event of serious illness or accident, both Cancel Protection Plans have recklessly low levels of medical insurance that will leave a traveler exposed to catastrophic financial risk. Later in this article, we go into detail.

As you can see, Medical travel insurance is extremely important for cruisers. On one hand, we like that Holland America Line uses Nationwide to underwrite their Platinum insurance. On the other hand, Holland America Line offers low Medical Insurance and Evacuation benefits despite the fact their primary clientele are seniors.

Travel Medical Insurance

As you can see, Holland America Line offers Medical Insurance in Cancel Protection Plan Platinum, but it’s scant. That’s especially dangerous for senior travelers.

Medical Evacuation Insurance

Likewise, Emergency Medical Evacuation exists, but again, it’s too low to be reliable in a true emergency.

More importantly, seniors who rely on Holland America’s cruise insurance for medical care and evacuation face increased financial risk. The Platinum Cancellation Plan only provides a meager $10,000 medical coverage and Medicare is not accepted outside the US.

Although Holland America’s Platinum Travel Insurance has helpful cancellation, it is not a strong dependable insurance plan. Fortunately, there are many more affordable trip insurance options with better coverage throughout the wider travel insurance market.

Basic Cancellation Travel Protection

Every Travel Insurance policy includes some form of basic trip cancellation protection. Typically, trip insurance pays a 100% cash refund for a number of reasons that include:

  • Accident, illness, or death of you, a traveling partner, business partner, or family member
  • Jury duty
  • Legal appearance
  • Traffic accident en route to airport
  • Death or hospitalization of your host at your travel destination
  • Weather
  • Bankruptcy of your travel provider

It’s not all bad news if you buy the Holland America Line Cancel Protection Plan. It has pretty good cancellation benefits.

Admirably, both Standard and Platinum Cancel Protection Plan have a “Cancel For Any Reason” option. However, this is the exception, not the rule in the realm of cruise cancellation.

Most cruise lines that offer Cancel For Any Reason pay cruise credits instead of a cash refund. We applaud Holland America for this.

In fact, Holland America Line itself takes financial responsibility to pay the Cancel For Any Reason benefit in its Platinum insurance:

The following Cancel For Any Reason Waiver is provided by Holland America and is not an insurance benefit. Please see the dates set forth in the Cancellation Policy in the applicable Holland America Line brochure.

The Cancellation Policy further details the requirements for a payout:

Trip cancellation protection is effective for any reason up to 24 hours prior to scheduled cruise or cruise tour departure under the Standard and Platinum Plans. The Platinum Plan additionally offers cancellation protection for covered reasons within the 24 hours prior to departure. All other benefits of the Platinum Plan are effective upon departure.

Holland America’s Covered Reasons for Cancellation

In the final 24-hour window, Holland America’s Cruise Cancellation Plan restricts cancellation to a few listed reasons:

  • your sickness, accidental injury or death, that results in medically imposed restrictions as certified by a physician at the time of loss preventing your continued participation in the trip;
  • sickness, accidental injury or death of a family member or traveling companion booked to travel with you that results in medically imposed restrictions as certified by a physician preventing that person’s continued participation in the trip;
  • sickness, accidental injury or death of a non-traveling family member;
  • you or a traveling companion being hijacked, quarantined, required to serve on a jury, subpoenaed; having your principal place of residence made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
  • you or a traveling companion being directly involved in a traffic accident, substantiated by a police report, while en route to departure;
  • a terrorist attack (or attacks) occurs in your departure city or in a city that is still a scheduled destination for your trip, provided: the terrorist attack (or attacks) occurs within thirty (30) days of the scheduled departure date for your trip or during your trip.

By comparison, Travel Insured Worldwide Trip Protector Plus (explained below) lists a generous 24 covered cancellation reasons, including the points above.

Single Supplement

Most cruise fares are based on double occupancy of the room. In the event one of the cruisers cancels, they normally charge the roommate a supplement fee or even the remaining fare if traveling alone.

If your companion cancels their cruise for a covered reason, and you still want to go without them, many travel insurance policies cover the added cost of the person who cancelled:

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for Prepaid Travel Arrangements if a Traveling Companion’s or Family Member’s Trip is canceled for a covered reason and You do not cancel Your Trip.

This is a benefit AardvarkCompare recommends so travelers can enjoy their cruise vacation even if their companion cannot.

Work Cancellation Travel Protection

In the event a traveler previously received approval for vacation, but the employer later rescinds it, Cancel For Work Reason covers cancellation for a 100% refund.

Although Holland America’s Cancel Protection Plan does not specifically allow Cancel for Work, it falls under Cancel For Any Reason.

By comparison, the Travel Insured Worldwide Trip Protector Plus cruise insurance allows for Cancel For Work Reason if a covered traveler is required to work during the trip. In fact, it pays a 100% cash refund to cancel for this reason. At Best, Holland America Line would refund 90% cash.

Worth nothing, a traveler who gets laid off from work through no fault of their own may be a covered under ‘covered cancellation’ many travel insurance policies.

Trip Interruption Travel Protection Reasons

If you’re already on your trip and a family member back home dies or is unexpectedly ill or injured, you may interrupt your trip and return early. This is a covered cancellation reason on all trip insurance policies available through AardvarkCompare.

Although Holland America Line Cancel Protection Plan Platinum has a “Cancel For Any Reason” policy, that does not mean it has an “Interrupt For Any Reason.” On the contrary, it lists only a few reasons it will cover a trip interruption:

  • Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip;
  • Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that results in medically imposed restrictions as certified by a Physician preventing that person’s continued participation in the Trip;
  • Sickness, Accidental Injury or death of a non-traveling Family Member;
  • You or a Traveling Companion being hijacked, Quarantined, required to serve on a jury, subpoenaed; having Your principal place of residence made Uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
  • You or a Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to departure;
  • A Terrorist Attack (or Attacks) occurs in Your departure city or in a city that is still a scheduled destination for Your Trip, provided: the Terrorist Attack (or Attacks) occurs within thirty (30) days of the Scheduled Departure Date for Your Trip or during Your Trip.

This is a very basic list that all travel insurance policies should cover for trip interruption.

By comparison, Travel Insured Worldwide Trip Protector Plus lists 24 covered interruption reasons, including those above.

Moreover, Holland America only refunds trip interruptions for travel arrangements booked through them. Anything you booked privately is not covered for cancellation or interruption.

What Alternatives Can I Find For Cruise Travel Insurance?

Each year, Americans spend over $3 billion on travel insurance. Since the United States is home to one of the largest travel insurance markets in the world, travelers can easily compare policies to find the best fit for their cruise.

To help you shop for the best value, AardvarkCompare allows the traveler to quickly quote and compare travel insurance plans from some of the top travel insurers in the country.

Size Up Policies at a Glance with AardvarkCompare

First, we work with the most reputable travel insurance carriers in the US. Each of our carriers is rated ‘A’ or ‘A+’ by A.M. Best and offer highly respected customer service. (AM Best website: http://www.ambest.com/home/default.aspx)

Second, our carriers offer a range of travel insurance plans with different levels of benefits, a savvy consumer can compare a dozen different travel insurance plans at the same time.

Third, you are assured to find the best value on cruise insurance. We guarantee you will not find the same trip insurance policy at a lower price.

Holland America Line Cruise Insurance vs Travel Insured Worldwide Trip Protector Plus Travel Insurance Plan

Earlier we noted that the Platinum Holland America travel insurance plan was $198 for both travelers. Here we compare this to a more formal travel insurance policy with Cancel For Any Reason features priced at $164 for both travelers.

For our senior cruise couple, the cruise fare with fees and taxes is $1,638 for both travelers. Let’s take a look at their quote if they searched bought a travel insurance policy.

Features of Travel Insured International Worldwide Trip Protector Plus

Worldwide Trip Protector Plus is one of the most popular plans at AardvarkCompare due to its Cancel For Any Reason feature and high level of Medical Evacuation ($1,000,000).

Let’s take a look at how a premium travel insurance policy compares to the Cancellation Protection Plan offered by Holland America:

Here, our senior cruising couple can protect themselves a top level, fully featured travel insurance plan costs only a few dollars more than Holland America’s nearly-useless Standard Cancel Protection Plan.

Recap: Holland America Line Cancel Protection Plan Standard and Platinum

  • Holland America Line Cancel Protection Plan Standard – not travel insurance
    • Partial refund for cancellation costs paid to Holland America Line (cruise fare, excursions, air, land tour, etc)
    • High cost
  • Holland America Line Cancel Protection Plan Platinum – very limited benefits
    • Partial refund for cancellation costs paid to Holland America Line (cruise fare, excursions, air, land tour, etc)
    • Dangerously low medical and evacuation coverage
    • Narrow scope of insurance benefits
    • High cost
  • AardvarkCompare offers comprehensive travel insurance policies
    • Robust medical coverage to give you peace of mind
    • Covers all trip costs, regardless of vendor
    • Comprehensive policy benefits
    • One policy can cover everyone on trip, not just 1 person
    • Best value for your money

Conclusion

Holland America Line Travel Insurance Cancel Protection Plan performs solely for cancellation benefits, rather than a travel insurance policy. It is called Cancel Protection Plan after all, and not Holland America Line Cruise Insurance. In fact, Holland America Line seems to play down the insurance aspect of it.

While a Cancel For Any Reason offer is rather generous, most people cancel due to the sickness, injury or death of a covered traveler or a family member. As a result, Cancel For Any Reason is good marketing but overkill and expensive.

In fact, Holland America Line Travel Insurance – Cancel For Any Reason Cancel Protection Plan distracts from the major flaws of both Cancel Protection Plans: deficient medical benefits.

AardvarkCompare believes seniors vacationing with Holland America Line are best served when they have ample medical insurance in case of emergency during their trip, not just cancellation protection. As such, we do not recommend either of the Cancel Protection Plans for cruise travelers.

General recommendations

When traveling outside of the United States, we recommend having at least $100k in travel medical coverage, enough for an unexpected medical event.

We also recommend an emergency medical evacuation limit of at least $250,000 to get you to treatment quickly and then back home after a devastating medical event.

Furthermore, if you purchase your trip insurance policy within 10-21 days of your initial trip payment, a pre-existing condition waiver can be included to save you headache down the road.

Have questions? Want to speak with an expert?

We would love to hear from you. Send us a chat, email or call at (650) 492-6298 and talk with a travel insurance expert at no additional cost.

AardvarkCompare guarantees you will not find a lower price for the plans on our site anywhere else, not even from the insurer directly.

Safe Travels!

Recent AardvarkCompare Travel Insurance Customer Reviews

TP1|AardvarkCompare.com

TP3 | AardvarkCompare.com

I Panicked When I Discovered
I panicked when I discovered the Travel Insurance I had through Expedia had expired when I changed my flight reservation.
When I went to renew I was told I couldn’t.
I discovered Aardvark on my AARP site and I was excited I could purchase a an even better travel plan with coverage starting with my trip departure, at a cost I could afford.
I was confused with the initial site and was Mr. Breeze reached out to me for clarification.
He explained the policy more thoroughly and addressed all my concerns, can’t get any better then that!
Thank You Aardvark and thank you Jonathan for your assistance.
I can go on my trip now knowing I’ll be covered for medical emergencies, and then some.
Barbara

TP6 - AardvarkCompare Review | AardvarkCompare.com

Good Choices, Well Explained
I liked the way insurance was explained. I had read an article your company had written explaining Expedia trip coverage versus other choices.
I used this advice to make the best choice for me and my traveling companions. That choice was to take a policy that provided much better medical and evacuation primary care.
Your site allowed comparisons, and I think I got the best value for my money. I don’t like constant follow up emails. You could back off a bit!!
Louise


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Learn more about Libya Travel Health Insurance with an overview from the CDC and the US State Department. Here we cover Vaccines, Medicines and Insurance.

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Note: Always check that your destination country is one approved for travel by your travel insurance provider.

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Learn more about Liberia Travel Health Insurance with an overview from the CDC and the US State Department. Here we cover Vaccines, Medicines and Insurance.

At AardvarkCompare we can’t recommend travel insurance enough. Whether you are just traveling a few hundred miles from home to see family, or traveling to the other side of the world, travel insurance should be considered an essential part of your holiday packing. The hope is that you won’t have to use your travel insurance, and that you’ll have a fun and enjoyable trip. The following advice should help you make the most of your trip to Liberia.

Note: Always check that your destination country is one approved for travel by your travel insurance provider.

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