Zambia Travel Health Insurance – Country Review

Learn more about Zambia 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 Zambia.

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

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Yemen Travel Health Insurance – Country Review

Learn more about Yemen 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 Yemen.

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

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Vietnam Travel Health Insurance – Country Review

Learn more about Vietnam 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 Vietnam.

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

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Adventures by Disney River Cruise – Travel Insurance Vacation Protection Plan – Review

Adventures by Disney offers a limited number of river cruises in Europe on the Rhine, Danube, Rhone, and Seine rivers.

Unlike Disney Cruise Line ocean cruises, Disney does not own the river cruise boats. Instead, they contract with AmaWaterways to use their fleet. All guests on board are with Adventures by Disney, so there’s no chance of co-mingling with AmaWaterways’ customers. Most of their sailings are family-friendly, but a few are adults-only.

Adventures by Disney offers a travel insurance program called Vacation Protection Plan, which is a single, take-it-or-leave-it option. We are not fans of these types of plans since they cannot accommodate every traveler’s needs. Adventures by Disney charges a flat 8% fee for travel insurance on top of the cruise fare, taxes, fees, and gratuities.

About Adventures by Disney Vacation Protection Plan Travel Insurance Policy

Arch Insurance Company, which is rated A+ by AM Best for financial strength, underwrites the Adventures by Disney Vacation Protection Plan. They are also the underwriter for one of the travel insurance products available at AardvarkCompare: RoamRight. Aon Affinity Travel Practice administers the Adventures by Disney program and processes claims.

How to Buy Adventures by Disney Vacation Protection Plan

Like many river cruise lines, Adventures by Disney does not offer bookings on their website. You must call Disney to receive quotes on the cruise fare and cruise insurance.

Our Adventures by Disney Cruise

Our Adventures by Disney vacation is an 8-day Rhine river cruise that begins in Basel, Switzerland and ends in Amsterdam, the Netherlands. The cruise price is $8,169 per person, $16,338 total. Adventures by Disney includes gratuities, airport transfers, and daily excursions, but not airfare.

Unlike many river cruise lines, Adventures by Disney does not include or offer airfare, so you must purchase it on your own. Consequently, Disney trip insurance will not cover your airfare, so you’d have to buy a second policy to cover it.

Thus, the cost of this trip would be much higher because you would have to purchase our own airfare and hotels for a pre- or post-cruise stay. Since Adventures by Disney cruise insurance does not cover travel arrangements made privately, this review includes only the cost of the cruise, instead of total trip cost in the quote.

Comparison Quotes

Based on a sample couple, ages 55 and 60, we created comparison quotes using AardvarkCompare’s travel insurance marketplace engine.

We analyzed Adventures by Disney’s Vacation Protection Plan cruise travel insurance benefits to see how they stack up against two popular travel insurance policies available at AardvarkCompare.

First, we compare it to iTravelInsured Travel SE. For this trip, it’s the least expensive plan with at least $100,000 Medical Insurance, $250,000 Medical Evacuation, and a Pre-existing Medical Condition Waiver. These are the minimum coverage levels we suggest when traveling outside of the USA.

Second, we include iTravelInsured Travel LX in the review because it is the least expensive plan that offers Cancel For Any Reason benefits.

Next, we break down the benefits of each policy in a side-by-side comparison.

Overall, Adventures by Disney Vacation Protection Plan charges a tremendous price for a barebones policy. In the following section, we discuss each benefit in detail, so you know what to look for when shopping for travel insurance for your Adventures by Disney river cruise.

Trip Cancellation

A significant concern for senior travelers is Trip Cancellation. If you became ill or had an accidental injury prior to your departure date, you may have to cancel your travel arrangements, resulting in financial losses. While disappointing, Trip Cancellation is doubly painful without cancellation insurance.

Adventures by Disney Vacation Protection Plan permits cancellation for a slim number of reasons. They include:

  • Unexpected injury, illness, or death of traveler or family member.
  • Hijacking, quarantine, jury duty, subpoena
  • Residence uninhabitable by natural disaster, fire, flood, burglary
  • Inclement weather
  • Involuntary termination (layoff)
  • Terrorism
  • Revocation of military leave
  • Trip delayed more than 50% of scheduled duration

Unfortunately, Disney’s list of cancellation reasons lacks some important coverage. We recommend policies that also include:

  • Strike
  • default or bankruptcy of the common carrier
  • Cancel For Work Reason (traveler required to work during the trip)
  • Employer-initiated transfer of 250 miles or more
  • Destination uninhabitable or unreachable by fire, flood or natural disaster
  • Mechanical breakdown of a common carrier
  • Traveler involved in accident en route to departure
  • Mandatory evacuation
  • Hurricanes
  • Documented theft of passports or visas.

Oddly, if you buy Disney’s cruise travel insurance, you do not get bankruptcy or default protection. While most travel insurance plans reimburse for the carrier’s bankruptcy, Disney’s insurance does not cover if it went bankrupt itself.

A restriction to note is Disney river cruise travel insurance only pays a maximum of $20,000, or $10,000 per person, for Trip Cancellation. In this review, the trip cost is $8,169 per person, so it falls within the cap. But if we added a 12-year-old grandchild to the trip, whom Disney charges the full adult price, the cost of the trip would be over $24,000. In that case, Disney travel insurance would still only pay a maximum of $20,000 in Trip Cancellation.

To recap, Disney insurance has few permitted cancellation reasons, a $20,000 maximum reimbursement for Trip Cancellation, and does not cover any travel arrangements booked outside Disney.

Both iTravelInsured Travel SE and Travel LX cover all travel arrangements, regardless of where you booked them. In addition, they both offer a 100% refund for covered Trip Cancellations, a 150% refund for covered Trip Interruptions, and a broad list of covered reasons.

Cancel For Any Reason

Cancel For Any Reason cruise insurance provides the highest level of flexibility and reimbursement if you must cancel your trip for any reason not covered by the policy.

If you cancel your Adventures by Disney river cruise for a reason not listed in the Disney policy, they grant future credits for 75% of the prepaid, non-refundable cancellation fees paid to them. Credits expire after one year, are non-transferrable and not redeemable for cash. Disney, not their insurance policy, provides this part of the Vacation Protection Plan. When it comes to refunds, we always prefer cash since future credits may not be used.

Alternatively, travel insurance policies like iTravelInsured Travel LX with Cancel For Any Reason pay a 75% cash refund of all prepaid, non-refundable trip costs including arrangements made outside of Adventures by Disney. This could include flights, hotels, rental cars, excursions and transfers.

Keep in mind, Cancel For Any Reason has a couple of rules:

  1. Purchase the policy within 20 days of your initial payment or deposit date, and
  2. Insure 100% of the prepaid trip costs subject to cancellation penalties or restrictions. For additional prepaid non-refundable payments made after the purchase of the policy, insure within 20 days of each subsequent payment added to your trip, and
  3. Cancel your trip 2 days or more before your scheduled departure date.

Trip Interruption

A Trip Interruption is a situation during your trip that causes you to miss some or the rest of your vacation. It’s like Trip Cancellation but happens during your travels.

The most common trip interruption is the injury or illness of a traveler. If you had an injury or illness on your vacation but can continue traveling after treatment, trip interruption reimburses the unused portion of the trip, and the cost to rejoin the trip in progress.

Trip interruption also includes a family member who had a sudden grave illness or passed away. If your covered situation requires curtailing the trip and going home early, Trip Interruption also reimburses for the unused portion of the trip, plus the added cost of going home early.

In the Adventures by Disney travel insurance policy, Trip Interruption benefits share the same short list of covered reasons as Trip Cancellation. Like cancellation, the Disney cruise travel insurance has a $20,000 cap for Trip Interruption. That amount includes both the reimbursement of unused trip costs plus the added cost of transportation home.

On the other hand, travel insurance plans like iTravelInsured Travel SE and Travel LX offer 150% of trip costs for interruption. Therefore, they cover up to 100% of the unused costs, plus up to an additional 50% to cover transportation costs to return home.

Medical Insurance for Emergency Treatment

Just because you’re healthy today doesn’t mean you won’t need Medical Insurance when you travel. Anything can happen, including accidental injuries or sudden illness.

If you have a medical emergency when traveling and don’t have proper medical insurance overseas, you could find yourself with huge, unexpected hospital bills. Many Americans mistakenly believe countries with universal health care will treat them for free. Unfortunately, this is not the case.

Instead, Americans receive treatment at private hospitals, not public, and must pay like anyone else. Admission for inpatient care can cost $3,000-$4,000 per day, plus the cost of treatment, x-rays, surgeries and specialists.

Doesn’t Medicare pay for hospitalization? No. Medicare does not pay providers outside the US. Some Medicare supplements do cover at lifetime limits or reduced benefits, and for emergencies only, and can still require you to pay 20% of the costs. As a result, you could go on vacation and end up with medical bills in the thousands.

Thus, AardvarkCompare urges overseas travelers to take travel medical insurance of at least $100,000 per person. In a medical emergency, $100,000 provides ample health care and helps protect your retirement savings from unexpected financial burdens.

Regrettably, Adventures by Disney provides a feeble $25,000 benefit for Medical Insurance. That’s simply unacceptable. On the other hand, iTravelInsured Travel SE includes $150,000 per person, and Travel LX provides $500,000 per person of Medical Insurance, so you can receive proper treatment without ending up in debt.

Emergency Medical Evacuation

Medical Insurance isn’t the only potentially expensive part of a trip gone wrong. Emergency Medical Evacuation transports you from the place of injury or illness to the closest hospital. Once you’re stable enough for transport, Medical Evacuation brings you home via commercial flight or, if necessary, private medical jet.

Medical flights can cost up to $25,000 per hour and regular health insurance does not cover it. In addition, the US State Department does not offer any medical treatment or evacuation assistance for US citizens.

Adventures by Disney travel insurance includes Medical Evacuation up to $75,000 per person. We find that woefully low. AardvarkCompare advises travelers to get at least $250,000 Medical Evacuation to assure there’s enough coverage to get them back home from almost anywhere if they experience a serious medical event.

Pre-existing Medical Conditions

A Pre-existing Medical Condition is one in which you’ve received medical treatment, test, medication change, new medication added, or a recommendation for a treatment or test that hasn’t happened yet. Most travel insurance policies exclude Pre-existing Conditions from the date you purchase the policy to 60 days back (some policies look back 90 or 180 days). Any medical conditions older than 60 days, unchanged and stable with medication are covered, as are any new conditions that arise after you purchase the policy.

If you must cancel, interrupt or seek medical treatment for a medical condition while traveling, travel insurance policies exclude claims related to Pre-existing Conditions. However, if you purchase the policy within a few days of your Initial Trip Payment or Deposit date, many policies add a Waiver that includes Pre-existing Conditions for claims in the policy. As a result, there is no look back period and Pre-existing Conditions are covered.

Many senior travelers have Pre-existing Conditions that are normally excluded from coverage. By enrolling in travel insurance early, travelers reduce their risk if they had to cancel or receive medical treatment while vacationing.

The Adventures by Disney policy covers Pre-Existing Conditions provided that:

  • Your payment for this plan is received within the Time Sensitive Period (14 days of Initial Trip Payment); and
  • You insure 100% of the cost of all Travel Arrangements that are subject to cancellation penalties; and
  • You or the individual with the Pre-Existing Condition, are not disabled from travel at the time You make Your payment for this plan, and
  • Trip cost per person does not exceed $10,000.

iTravelInsured Travel SE and Travel LX also cover Pre-existing Medical Conditions but have more lenient Time Sensitive Periods. In addition, neither plan requires that you insure 100% trip cost, nor has a dollar limit of $10,000 per person.

Price and Value

Adventures by Disney travel insurance comes with a hefty cost of $1,311.04 and many restrictions. It limits the maximum trip cancellation or interruption refund to $10,000 per person, or $20,000 total. In addition, the medical insurance offers a meager $25,000, and only $75,000 medical evacuation. On top of that, it permits few reasons for cancellation, and Cancel For Any Reason only grants future credits that expire after a year. It’s an incredibly limited policy with a premium price tag. Overall, Adventures by Disney offers poor value for travel insurance.

In contrast, iTravelInsured Travel SE comes in at $957 ($354 less than Disney, a 27% savings) and includes superior medical and evacuation benefits (600% more medical insurance, 667% more medical evacuation), 100% refund for trip costs for covered cancellation, 150% refund for covered trip interruption, and a robust list of cancellation reasons.

The highest level of coverage, iTravelInsured Travel LX, includes $500,000 medical insurance (2000% more) and $1,000,000 medical evacuation (13,000% more). Plus, Travel LX includes a Cancel For Any Reason provision that refunds 75% of trip costs back in cash, rather than future credit. Although the Travel LX costs slightly more than Disney (only $102 more), it includes substantially superior coverage.

Conclusion

Adventures by Disney river cruise insurance leaves travelers with a basic policy at a high cost. Its medical insurance and medical evacuation limits are hazardously low. Disney’s limited number of covered cancellation and interruption reasons leave gaps in coverage, as well as insufficient trip cost reimbursement.

Seniors planning an Adventures by Disney vacation will find the best value for their money and peace of mind when they shop around at AardvarkCompare Travel Insurance Marketplace. There, you can review dozens of options and select the best policy to fit your needs.

To help you find the best policy, AardvarkCompare recommends having at least $100,000 in travel medical coverage and $250,000 emergency medical evacuation when traveling outside the US. And, if you purchase the policy within the 14-21 days of initial trip payment, please consider a travel insurance policy with the pre-existing condition waiver included to ensure the most coverage for your money.

Have questions? We would love to hear from you. Send us a chat, Send us an email at agent@aardvarkcompare.com 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

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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


Venezuela Travel Health Insurance – Country Review

Learn more about Venezuela 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 Venezuela.

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

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Tauck River Cruises Travel Insurance (Cruise & Event Protection) Review

Introduction

Tauck offers a variety of land tours and trips, but in this review, we focus on travel insurance specific to Tauck’s River Cruise division. While their travel itineraries are extensive, their travel insurance plan is not.

Tauck’s cruise insurance program is called Cruise & Event Protection and underwritten by United States Fire Insurance Company, a strong insurance partner. Aon Affinity administers the plan and processes claims. 

Unfortunately, Tauck only offers one travel insurance option, so you must take-it or leave-it. We at AardvarkCompare are not fans of “one-size-fits-all” travel insurance, since each traveler has different needs and concerns.

The Tauck Cruise & Event Protection plan pairs a barebones travel insurance plan with Tauck’s “Cancellation Waiver.” The Cancellation Waiver is not an insurance feature; it’s administered by Tauck and is simply a reduced cancellation fee. Since travelers cannot book a Tauck cruise directly through their website, you must call and speak with a sales representative. Although Tauck offers travel insurance over the phone when you make a deposit or initial payment, it is the only time they permit enrollment. Of course, you are under no obligation to buy Tauck’s travel insurance, regardless of how much pressure the sales agent puts on you.

While some cruise lines set insurance rates on a percentage of the total trip cost, Tauck charges a flat $639 per person fee regardless of trip cost. Also, Tauck’s insurance only covers travel arrangements made through them. If you buy airfare or pre/post-cruise hotels and tours on your own, it won’t be covered under their policy, so you’d have to buy separate travel insurance for that.

Overall, Tauck river cruise insurance is a bad deal for seniors. It’s very expensive and offers substandard medical and evacuation coverage.

Our Cruise:

Our sample couple, ages 55 and 60, selected Belgium and Holland in Spring 8-night river cruise for $6,500 per person.

Comparison Quotes

We compare the Tauck Cruise & Event Protection plan with two insurance policies available on the AardvarkCompare travel insurance marketplace: iTravelInsured Travel SE and iTravelInsured Travel LX.

First, we compare Tauck Cruise & Event Protection to iTravelInsured Travel SE because it’s the least expensive policy that meets our recommended coverage levels: at least $100,000 medical insurance and $250,000 medical evacuation. In addition, it covers Pre-existing Medical Conditions if purchased within 20 days of your Initial Trip Deposit or Payment.

With a $13,000 trip price, iTravelInsured Travel SE costs $717 for both travelers ($385.50 per person).

Then, we match Tauck Cruise & Event Protection alongside iTravelInsured Travel LX because it’s the least expensive policy with Cancel For Any Reason. Later in the review, we specify how Tauck’s Cancellation Waiver differs from iTravelInsured Travel LX and most Cancel For Any Reason insurance plans.

For this trip, iTravelInsured Travel LX costs $1,015 for both travelers ($507.50 per person).

The four most important parts of a cruise travel insurance policy for seniors are Trip Cancellation, Trip Interruption, Medical Insurance and Medical Evacuation. Those four benefits make up the bulk of financial risks for travelers. Coverage for Pre-existing Medical Conditions is an additional concern that should also be included in the policy. Without adequate coverage, you face unnecessary out-of-pocket risks that are easily reduced or eliminated by travel insurance.


Next, we go into greater detail about what Tauck Cruise & Event Protection plan covers, and more importantly, what it doesn’t cover.

Trip Cancellation – Get a Refund If You Can’t Go

Sometimes unexpected events happen, and we can’t travel as planned. Travel insurance trip cancellation refunds 100% of the prepaid, non-refundable trip costs if you must cancel due to a covered reason.

Tauck river cruise insurance permits cancellation for just a few reasons:

  • Injury, illness, death of covered traveler or business partner
  • Hijacking, quarantine, jury duty, subpoena
  • Residence uninhabitable by fire, flood, burglary or natural disaster
  • Involved in traffic accident en route to departure
  • Strike
  • Inclement weather
  • Mechanical breakdown of common carrier

Regrettably, Tauck travel insurance excludes several important cancellation reasons.

AardvarkCompare recommends that cruise insurance policies also include:

  • Terrorism
  • Destination uninhabitable or inaccessible
  • Government shutdown of airport after natural disaster
  • Involuntary termination (layoff)
  • Documented theft of passport or visa
  • Called to military duty for natural disaster relief
  • Bankruptcy or default of a common carrier (including the cruise line itself)
  • Travel delay of more than 50% of the trip
  • Revocation of previously approved military leave
  • Required to work during the trip
  • Overseas host gravely ill or dies
  • Mandatory evacuation at destination

Favorably, both iTravelInsured Travel SE and Travel LX provide 21 reasons for cancellation, including all the above. The more cancellation reasons a policy has, the more flexibility it offers.

Tauck Cancellation Waiver is Not Cancel For Any Reason

Tauck’s Cruise & Event Protection plan includes a Cancellation Waiver with “Cancel For Any Reason.” In the case that you cancel for a reason not covered by the policy, Tauck does not pay a 75% cash refund like a regular travel insurance policy. Instead, Tauck Cruise & Event Protection merely reduces their standard cancellation fee.

Cancellation Fee without Tauck Cancellation Waiver

Shockingly, Tauck charges a $900 non-refundable deposit at booking, then an additional $1,276 for their reduced cancellation fee/insurance. Instead of forfeiting only a $900 deposit, they want you to spend a non-refundable $1,267 to get back $900. How does that make sense? Later, they require a non-refundable final payment 90 days prior to departure for river cruises.

From the time of final payment until 46 days prior to departure, Tauck refunds 75%, but Tauck cuts the refund amount to a diluted 50% if you cancel between 45 days to 1 day before the trip. That is a steep penalty fee. Fortunately, there are alternatives to this hefty charge.

Cancel For Any Reason

Happily, Cancel For Any Reason policies like iTravelInsured Travel LX permit cancellation any time prior to 48 hours before your departure date and refund 75% of the prepaid, non-refundable trip cost. This gives you more flexibility and reimburses more of your money.

Travel insurance includes a few simple rules for Cancel For Any Reason:

  1. Must insure 100% of trip costs
  2. Must be fit to travel at the time of purchase
  3. Must purchase policy within 20-21 days of Initial Trip Deposit

Likewise, Interruption For Any Reason permits you to end the trip for any reason and receive a 75% refund of the unused portion of the trip. This can be a blessing if traveling with an autistic grandchild and they have an episode, or you find out your dog is very sick, and you want to be with him or her right away.

Trip Interruption

Sometimes, events interfere with our vacation and things don’t go as planned. As an illustration, the disturbance might be a family death back home, your own injury or illness, or an outside force like weather or terrorism impacting your arrangements.

Conveniently, Tauck’s trip cancellation and trip interruption benefits share the same list of reasons. Therefore, if you interrupt your trip for a covered reason, travel insurance reimburses you for the unused portion of the prepaid, non-refundable trip costs.

Unfortunately, Tauck Cruise & Event Protection insurance offers a restrictive maximum of $10,000 for interruption, while all policies at AardvarkCompare’s travel insurance marketplace compensate you between 100% to 150% of the trip cost. The amount over 100% incorporates the added cost of transportation to rejoin the trip or return home early, up to the policy maximum.

Medical Insurance for Accidental Injury or Critical Illness During Your Trip

Presently, medical insurance is one of the most valuable parts of a travel insurance policy. Suitable Medical Insurance is necessary since overseas inpatient care can cost $3,000-$4,000 per day. Without travel Medical Insurance, a serious accident or critical illness could be financially catastrophic to anyone, especially to seniors’ retirement savings.

At the same time, most American medical insurance (including Medicare) does not pay providers outside the US, so that leaves senior travelers exposed to unnecessary risk. Although some Medicare supplements cover up to $50,000 emergency treatment, it’s a lifetime limit and subject to an 80%/20% co-pay. If you experience a serious injury or illness while overseas, Medicare could leave you with a huge out-of-pocket bill.

In addition, the US State Department provides no financial support to Americans in need of medical treatment while traveling abroad. They can only help with diplomatic incidents.

Unfortunately, some Americans have the impression that universal health care in other countries also covers them while they visit. On the contrary, health care in foreign countries only treats its own residents, and Americans must pay full price at private hospitals.

Therefore, AardvarkCompare recommends each traveler carry at least $100,000 Medical Insurance when leaving the US. Tauck cruise insurance only provides $50,000 for Medical Insurance, which falls disappointingly short of the recommended $100,000.

Emergency Medical Evacuation

Have you ever heard about cruise passengers being lifted off a ship by a helicopter for a heart attack? Or a traveler who had a traumatic accident in a foreign country stranded until they’re fully recovered? It happens more often than you think.

That’s why travel insurance includes Medical Evacuation coverage. It gets you from the place of injury or illness to a hospital, then arranges repatriation to the USA once you’re stable enough for transport. If medically necessary, a private jet outfitted with a flying ICU and medical team will take you home — at a cost of approximately $15,000 to $25,000 per hour. On the rare occasion someone dies while traveling, Medical Evacuation also includes return of remains.

Because of the high cost of Medical Evacuation, AardvarkCompare recommends all travelers visiting foreign countries purchase at least $250,000 Emergency Medical Evacuation protection.

Unfortunately, Tauck travel cruise insurance comes up short with a nominal $100,000 Emergency Medical Evacuation benefit. Thus, Tauck’s Evacuation benefit doesn’t provide enough funds to get an American traveler back home from a river cruise in Europe or Asia.

What About Pre-existing Medical Conditions?

Travel insurance by default does not cover Pre-existing Medical Conditions. Most policies define a Pre-existing Condition as any disease, illness or injury during the 60-180 days prior to purchasing travel insurance which required treatment, testing, medication change, new medication or a recommendation for treatment or test that hasn’t occurred yet. The policy covers conditions older than 60 days that are stable and controlled with medication.

However, many policies include a Waiver of Pre-existing Condition which permits coverage for Pre-existing Conditions if you purchase the policy within 14-21 days of the Initial Trip Deposit.

Although most senior travelers are healthy and active, they often have Pre-existing Conditions according to the policy definition. In the event you traveled to Europe for a river cruise and experienced a health problem related to a Pre-existing Condition, the policy would not reimburse any Medical treatments, Medical Evacuation or Trip Interruption benefits.

To ensure full protection, AardvarkCompare recommends travelers, especially seniors, purchase a travel insurance plan that covers pre-existing conditions whenever possible.

Both iTravelInsured Travel SE and Travel LX offer Pre-existing Condition Waivers, as does Tauck Cruise and Event Protection. Tauck’s trip insurance requires the purchase of the policy within 10 days of Initial Trip Deposit. However, Tauck requires purchase at Initial Deposit. That right–even though the underwriter offers a 10 day window, Tauck pressures the customer to make a decision right then or miss out on travel insurance protection permanently.

Travel SE is more lenient; the policy must be purchased within 20 days of the Initial Trip Deposit.

However, Travel LX is the most generous. This travel insurance policy requires purchase before or no later than 1 day of Final Trip Deposit. For travelers who forgot to buy insurance when they made their deposit, they have a last chance to get the Pre-existing Medical Condition Waiver when they make Final Payment. Note: Travel LX is not available in all states.

Baggage Loss, Damage and Delay

Baggage insurance compensates you for the loss or damage of your bags and personal items. Sometimes bags aren’t lost, but show up late, so baggage delay reimburses you for the purchase of additional clothing and personal items.

Tauck River Cruise insurance provides up to $3,000 per person for lost or damaged property. In contrast, Travel SE includes up to $1,500 per person and Travel LX includes up to $2,500 per person.

On the downside, Tauck cruise insurance requires at least 24 hours delay before they reimburse for delayed baggage for a maximum of $500. Travel SE and Travel LX only require a 12 hour wait.

Accidental Death & Dismemberment

Although some policies tout accidental death and dismemberment benefits, it’s rarely claimed. Tauck River Cruise travel insurance includes $10,000 for an accidental death anytime during the trip, or $30,000 for an accidental death on a common carrier like a plane, train, bus or cruise ship.

Likewise, Travel SE covers up to $25,000 and Travel LX includes up to $100,000 accidental death and dismemberment benefits while on a common carrier.

Conclusion

While Tauck’s flat rate might seem appealing, the ultimate price tag is not. Although Tauck has a strong insurance partner, the high cost and low coverage limits do not offer enough protection. Furthermore, Tauck River Cruises trip insurance plan lacks in many areas.

First, its Medical Insurance falls flat with a measly $20,000 benefit. Second, the Medical Evacuation limit of $100,000 is not enough to bring you back from Europe to the USA via medical jet. Third, it permits a narrow list of cancellation reasons and charges hefty cancellation fees for any reason outside the list.

At $1,278, Tauck cruise travel insurance offers little for the high cost. For $263 less, iTravelInsured Travel LX offers 2500% more Medical Insurance, 1000% more Medical Evacuation and 75% cash refund for Cancel For Any Reason. Both plans give you significantly more robust Medical Insurance, Medical Evacuation and list of cancellation reasons.

Cruises are expensive, and often booked and paid for months or years in advance. We understand that you want to protect the investment properly. Therefore, before committing to the first travel insurance policy you’re offered, visit AardvarkCompare. We help you quickly get a quote and provide dozens of options the nation’s top travel insurance companies.

If I go directly to the travel insurance company, will I get a better deal?

No, because travel Insurance is strictly regulated in each state. Therefore, no one can sell the same plan for more or less than the approved prices. As a result, AardvarkCompare guarantees you will not find lower prices on the same policies anywhere else.

Questions?

Stop by and have a chat, send an email or give us a call 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


Quark Expeditions Cruise Travel Insurance Review

Introduction

Quark Expeditions offers unique cruise adventures to the polar regions of the world: the Arctic and Antarctic. They offer their own travel insurance policy with low Medical Insurance, adequate Medical Evacuation, a Pre-existing Medical Condition Waiver and Cancel For Any Reason. It’s not a good value for seniors.

Quark Expeditions Requires Travel Medical Insurance for Embarkation

Quark’s terms and conditions repeatedly and emphatically recommend passengers buy travel insurance. Interestingly, Quark requires that all travelers have “adequate medical coverage prior to embarkation” or the guest will be denied passage. Specifically, they require a minimum of $50,000 Medical Insurance.

Quark Expeditions Travel Insurance Plan: Deluxe and Deluxe Plus

Quark Expeditions offers their own travel insurance policy with two options: Deluxe and Deluxe Plus. The two policies are identical, except Deluxe Plus includes Cancel For Any Reason and costs 50% more than the Deluxe policy.

Both plans include $50,000 Medical Insurance, $500,000 Medical Evacuation and a Pre-existing Medical Condition Waiver. AardvarkCompare recommends a minimum of $100,000 Medical Insurance for travelers leaving the United States, so we are surprised to see Quark require such a low amount of medical insurance for polar travel.

The trip insurance policy is underwritten by United States Fire Insurance Company, a reputable insurer familiar to AardvarkCompare. Many policies offered on AardvarkCompare’s website are also underwritten by US Fire. TripMate administers Quark’s cruise insurance.

Travel insurance policies available on the wider market include all travel arrangement costs including cruise fare, airfare, hotels, rentals, excursions and tours.

How to Buy Quark Expeditions Travel Insurance

Although booking a reservation with Quark Expeditions is simple on their website, they do not offer travel insurance at check out. Instead, they refer you to TripMate where you must create a quote yourself and buy online.

Our Cruise: Flying the Drake

We looked at Flying the Drake for January, midsummer in the southern hemisphere. The trip lasts 8 nights and is priced at $24,990 for two travelers sharing a cabin.

Prices for Quark Expeditions Deluxe and Deluxe Plus

As discussed, Quark offers two options for their travel insurance plan: Deluxe and Deluxe Plus. They are identical plans, but unfortunately, Quark charges 50% more for the same insurance just to add Cancel For Any Reason.

For the Flying the Drake trip, Quark’s travel insurance plans cost $2,400 for Deluxe or $3,600 for Deluxe Plus.

Next, we review other options you have for travel insurance on the wider market.

Comparison Quotes

When comparing quotes, AardvarkCompare recommends travelers take at least $100,000 Medical Insurance, $250,000 Emergency Medical Evacuation and a Waiver of Pre-existing Medical Conditions when traveling abroad. These benefits ensure you’re covered for any unforeseen medical emergency overseas.

However, since Quark travels to remote polar regions of the world, we recommend at least $500,000 Medical Evacuation, since emergency medical treatment is difficult to reach.

Price and Value

Next, we received a quote from AardvarkCompare Travel Insurance Marketplace to see what other options are available.

The least expensive plan with at least $100,000 medical insurance and $500,000 Medical Evacuation coverage is the iTravelInsured Travel SE. It’s priced at $1,449, nearly $1,000 less than Deluxe travel insurance, and $2,100 less than Deluxe Plus.

Then, we found the least expensive Cancel For Any Reason plan which is Travel Insured International Worldwide Trip Protector Plus, priced at $2,610, almost $1,000 less than its counterpart, Quark Deluxe Plus.

Here is a side-by-side comparison of Quark Deluxe/Deluxe Plus, iTravelInsured Travel SE and Travel Insured International Worldwide Trip Protector Plus:

Trip Cancellation

Trip Cancellation pays a 100% refund of all trip costs if you must cancel your trip due to a covered reason named in the travel insurance policy.

Quark’s cruise travel insurance plan includes a healthy list of cancellation reasons:

  • Unforeseen injury, illness or death of traveler, family member or business partner
  • Traveler’s home or destination uninhabitable due to natural disaster
  • Hijacking, quarantine, jury duty, subpoena
  • Strike
  • Theft of passport or visa
  • Traveler’s place of employment unsuitable for business due to fire, flood, burglary, or natural disaster and required to work as a result
  • Permanent transfer of employment of 250 miles or more
  • Inclement weather or mechanical breakdown causing 12 hours or more delay of common carrier
  • Involved in traffic accident en route to departure point
  • Government-mandated shutdown of airport or air traffic control due to natural disaster
  • Terrorist incident within 30 days of departure in city listed on itinerary
  • Revocation of military leave due to war
  • Traveler called to military duty for natural disaster (not war)
  • Bankruptcy or default of airline, cruise line, tour operator
  • Involuntary termination or layoff

One cancellation reason notably missing from this list is Cancel For Work Reason. If a traveler or family member is required to work and the employer rescinded previously approved time off, both iTravelInsured Travel SE and Travel Insured International Worldwide Trip Protector Plus permit this reason for cancellation.

Both Travel SE and Worldwide Trip Protector include all the reasons above and a few more, such as hurricanes, mandatory evacuation and victim of assault.

Cancel For Any Reason

Quark Deluxe Plus provides an extra layer of peace of mind, allowing you to cancel your trip for ANY reason not otherwise covered by the plan documents and receive reimbursement for 75% of your unused non-refundable prepaid expenses for travel arrangements.

Travel Insured International Worldwide Trip Protector Plus also offers the same benefit, but costs nearly $1,000 less than Deluxe Plus.

Both Deluxe Plus and Worldwide Trip Protector Plus require the following conditions for Cancel For Any Reason:

  • Purchase policy within 21 days of the date your initial payment or deposit for your trip is received, and
  • Insure 100% of your prepaid trip costs that are subject to cancellation penalties or restrictions, and
  • Cancel your trip two (2) days* or more before your scheduled trip departure date.

*Worldwide Trip Protector Plus specifies 48 hours, not 2 days.

Trip Interruption

Trip Interruption insurance reimburses the unused portion of the trip if you must interrupt travel for a reason listed in the travel insurance policy. You receive up to 100% of the insured trip costs insured, plus up to 50% more for the added transportation costs.

If you had a medical emergency, but were cleared to rejoin your trip, it includes the cost of rejoining the cruise in progress. If you had to leave early for a family medical emergency, you could also receive reimbursement for transportation costs home. The amount reimbursed for travel is limited to the amount stated in the policy.

Interruption for Any Reason

One feature absent from the high-priced Quark trip insurance policy is Interruption For Any Reason.

If you need to curtail your trip for any reason that’s not listed in the policy, Interruption For Any Reason refunds up to 75% of your unused trip costs back in cash.

If you got a message during the trip that your pet was gravely sick or injured and you want to go home to be with them before he or she passed away, Interruption For Any Reason can help. Since sick pets are not a covered Trip Interruption, you can use Interruption for Any Reason to go home immediately and receive reimbursement of some trip costs.

Moreover, Interruption for Any Reason has a few requirements.

  • You can interrupt your trip 72 hours or more after your actual departure date
  • The policy will pay the lesser of the maximum benefit amount shown in your confirmation of benefits; or 75% of the total amount of coverage you purchased, to reimburse you for unused non-refundable land or water travel arrangements;
  • It will also cover the lesser of the additional transportation cost paid:
    • to join your trip if you must depart after your scheduled departure date or travel via alternate travel arrangements by the most direct route possible to reach your trip destination (airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket); or
    • to rejoin your trip or transport you to your originally scheduled return destination, if you must interrupt your trip after departure, each by the most direct route possible (airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket)

Medical Insurance

In the US, many of us are covered for emergency no matter which state we visit. However, most health insurance plans offer poor or no international Medical Insurance.

Before assuming you’re covered, consider that:

  • Medicare doesn’t pay outside the US
  • Some supplements only cover up to $50,000 emergency treatment
  • Americans pay full price at private hospitals because universal health care doesn’t cover Americans
  • Hospital stays can cost $3,000-$4,000 per night
  • The US State Department does not provide medical insurance or medical evacuation

Quark Expeditions requires that every passenger has at least $50,000 Medical Insurance before embarking. Conveniently, Quark’s travel insurance plan includes exactly $50,000 Medical coverage.

But AardvarkCompare recommends each traveler take at least $100,000 Medical Insurance when leaving the US. Any less than $100,000 and you risk wasting your retirement savings paying for hospital bills in a foreign country. Quark’s low $50,000 is a good start, but simply not enough to be reliable in a critical situation.

iTravelInsured Travel SE includes $150,000 Medical Insurance per person, while Travel Insured International Worldwide Trip Protector Plus provides $100,000 per person. These levels are far more helpful.

Emergency Medical Evacuation

When travelers experience a critical illness or injury while overseas, Medical Evacuation transports them to the nearest hospital. Once they’re stable, Medical Evacuation provides transportation home. If the patient requires a medical team to monitor their condition during transportation, it could cost $15,000 to $25,000 per flight hour.

Due to the high cost, AardvarkCompare recommends all travelers voyaging outside the US secure at least $250,000 Emergency Medical Evacuation protection or $500,000 for remote destinations like Antarctica.

Interestingly, Quark Expeditions provides $500,000 Medical evacuation with the cost of the cruise, regardless of which travel insurance you buy. They understand how remote travel can make medical treatment difficult, citing the closest medical center is 72 hours away. Quark’s travel insurance includes another $500,000 Medical Evacuation, as does iTravelInsured Travel SE. By the same token, Travel Insured International Worldwide Trip Protector Plus offers $1,000,000 Medical Evacuation coverage, for a total of $1,500,000 protection.

Pre-existing Medical Conditions

We mentioned the Pre-existing Medical Condition Waiver earlier, but what does that really mean?

Travel insurance policies exclude Pre-existing Medical Conditions by default. Many policies include a Waiver that allows the policy to cover Pre-existing Conditions if the policy is purchased within a short period of time after making the Initial Deposit or Payment.

But what is a Pre-existing Condition? Doesn’t everyone have them?

Quark cruise travel insurance defines a Pre-existing condition as:

An illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You:

  1. Received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or
  2. Took or received a prescription for drugs or medicine.
  3. Item #2 of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Plan.

Quark, iTravelInsured and Travel Insured International all have 60 day look back periods (the amount of time the insurance company concerns itself with your medical history before you bought your policy). Shorter look back periods are better for travelers. Some travel insurance plans look back much farther, like 90, 180, or 365 days, making it harder to get a Pre-existing Medical Condition covered.

A Pre-existing Condition Waiver can mean the difference between whether or not a trip insurance policy covers your cancellation or medical treatment. Thus, AardvarkCompare recommends travelers, especially seniors, purchase a travel insurance plan that covers pre-existing conditions whenever possible.

Conclusion

Quark Excursions offers policies with low Medical Insurance, and adequate Medical Evacuation, Trip Cancellation and Interruption benefits. But their prices are dreadfully inflated.

If you are planning a polar adventure with Quark Excursions, be sure to shop around and compare your travel insurance options before committing to an overpriced, underperforming policy. While you are looking, remember to seek out policies with at least $100k in Medical Insurance coverage, $250k in Emergency Medical Evacuation ($500k for remote locations), and whenever possible, a Pre-existing Medical Condition Waiver.

Can I Save Money by Buying Directly from the Carrier?

No. You can relax knowing you get the same price at AardvarkCompare as you do going to the provider directly.

We guarantee that you will not find a lower price anywhere for the same products found on AardvarkCompare.

Whatever the case, visit AardvarkCompare first to shop around so you know your options and can make an informed decision and get peace of mind.

Have questions? Stop by and have a chat, send an email or give us a call at 650-492-6298.

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


Vanuatu Travel Health Insurance – Country Review

Learn more about Vanuatu 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 Vanuatu.

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

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Uzbekistan Travel Health Insurance – Country Review

Learn more about Uzbekistan 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 Uzbekistan.

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

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Uruguay Travel Health Insurance – Country Review

Learn more about Uruguay 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 Uruguay.

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

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