Antarctica Traveler Information – Travel Advice

Travel Advice with a Travel Advisory overview from the US State Department. Here we cover Visa, Safety & Security, local Laws and Insurance in our Antarctica Traveler Information guide.

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 Antarctica Traveler Information should help you make the most of your trip to Antarctica.

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

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Pearl Seas Cruises Travel Insurance – Cancel For Any Reason Protection Plan – Review

Pearl Seas Cruises offers unique, luxury cruises in Canada, the Great Lakes, and New England on a small ship of 210 guests. We agree that their Cancel For Any Reason Protection Plan is also unique, but not in a luxurious, useful way.

While most cruise lines offer comprehensive travel insurance policies, Pearl Seas doesn’t even provide insurance. Consequently, Pearl Seas only covers Cancellation, not Interruption, Medical Insurance, Medical Evacuation, or Baggage Loss.

Pearl-Sea-Cruises-Ship2 | AardvarkCompare.com

Overall, this “take it or leave it” Cancel For Any Reason program that increases their revenue but pays little money to the guest. It entitles the traveler to reduced cancellation fees and nothing else. As a result, Pearl Seas’ extra cancellation plan gives you zero peace of mind.

Pearl Seas sells its cancellation plan at check out when you book a cruise through their website. Although their website is user-friendly, you can also enroll by phone.

Nevertheless, before you commit to Pearl Seas Cruises’ costly plan, familiarize yourself with this product, its terms and fees, and the hidden costs. Later, this article delves into the components of comprehensive travel insurance plans and what to look for when buying trip insurance. Then, we’ll compare the Pearl Seas cancellation plan to options for robust travel insurance.

Pearl-Sea-Cruises-Toronto | AardvarkCompare.com

About Pearl Seas Cancellation Policy

For how little it does, the Pearl Seas cancellation policy is needlessly complicated. For senior travelers, it’s completely worthless.

First, Pearl Seas charges a cancellation fee regardless of whether you buy their upsell product. On cruises 9-nights or less, the fee is $500 per couple. For cruises 10-nights or more, it’s $850 per couple. This sneaky fee might cost more than the deposit, so you could end up paying Pearl Seas to cancel!

Second, the Pearl Seas cancellation plan comes in two sizes, Deluxe and Basic.

In effect, the Basic and Deluxe Vacation Protection plans are the same price but have different eligibility periods. You receive the Deluxe plan when you buy it within 14 days of your initial trip payment. After that, you receive the Basic program until the final payment. After the final payment, you cannot get a cancellation plan from Pearl Seas Cruises.

Third, while Pearl Seas’ upgraded refund seems appealing, it misleads buyers about the hidden costs.

Namely, if you cancel 90 days or less before the sail date, Pearl Seas Cruises reimburses only a fraction of your money. Therefore, any cancellation, even a traveler’s injury, illness, or death, pays an 80%-90% refund with the Deluxe plan and repays a 70-80% with Basic.

In fact, with nine days or less until the cruise, Pearl Seas penalizes you with cruise credit instead of cash. For instance, if you tripped walking out to the mailbox and broke your ankle three days before your trip, Pearl Seas cruise cancellation doesn’t refund your money. Instead, they give you worthless future credit that expires if you don’t use it within 12 months.

Finally, Pearl Seas does not protect any travel arrangements made outside their company. If you arranged flights directly with an airline, you have to buy another policy to cover those cancellation costs as well because Pearl Seas doesn’t cover that.

That’s a poor value, wouldn’t you agree?

Pearl Seas vs. Travel Insurance

On the contrary, comprehensive travel insurance pays a 100% cancellation refund for unexpected illness or injury regardless of your departure. Plus, it also refunds the unused portion of the trip costs if you experience an injury or illness during your vacation.

As an illustration, suppose you came down with the flu three days before your Pearl Seas cruise and bought their expensive plan instead of comprehensive travel insurance. In this case, travel insurance pays a full refund, but Pearl Seas keeps your money because they only offer cruise credit that close to the sail date. As a result, you’re out the expense of the Cruise Protection Plan, the cancellation admin fee, and the cost of the cruise. That’s unfair.

Our Cruise: Canadian Maritimes and St. Lawrence Seaway

Here, our example cruise is a 15-Night Canadian Maritimes and St. Lawrence Seaway trip with a total trip cost of $23,030 for two people, ages 55 and 60. It begins in Toronto, Ontario, and ends in Portland, Maine.

It sounds like a lovely cruise that visits some small and less-visited ports.

Pearl-Sea-Cruises-Map | AardvarkCompare.com
Pearl-Sea-Cruises-Charges | AardvarkCompare.com
Pearl-Sea-Cruises-Charges-Without | AardvarkCompare.com

Here, the trip cost without the plan totals $23,030. With the Cruise Protection for $2,580, the total is $25,610. We find it ironic Pearl Seas calls it “Cruise Protection” since it provides no consumer protection.

Next, you’ll learn what elements make a good travel insurance policy.

What Makes a Good Travel Insurance Policy?

Travel insurance policies include four main components: Trip Cancellation, Trip Interruption, Travel Medical Insurance and Emergency Medical Evacuation.

First, if sickness or injury prevented you from traveling, trip cancellation insurance reimburses you for 100% of your trip costs. That might include cruise fare, airfare, train tickets, hotels, excursions, and any other prepaid, non-refundable travel arrangements.

Second, if you experienced sickness or injury while traveling, trip interruption reimburses you for the part of the cruise you missed and pays the added cost to get home early.

Third, Medical Insurance pays for medical treatment if you have a minor problem like an ear infection or a catastrophic incident like a stroke or heart attack while away from home. A Pre-existing Condition waiver adds coverage for Pre-existing Conditions for all benefits, not just Medical Insurance.

Fourth, Medical Evacuation coverage transports you while sick or injured to a local hospital and then back home to recover.

Finally, we recommend all travelers touring outside the US buy cruise insurance with at least $100,000 Medical Insurance, $250,000 Emergency Medical Evacuation, and a Pre-existing Medical Condition Waiver. Although Canadians enjoy universal health care, American visitors must pay. We discuss this further in a moment.

Alternative Options to Pearl Seas Cancellation Protection

Given how little protection Pearl Seas offers, it’s easy to find affordable alternatives that provide you with peace of mind.

To demonstrate, we ran a quote on AardvarkCompare’s travel insurance quote tool for $23,030 trip cost and received many options. For this review, we chose iTravelInsured Travel SE because it’s the least expensive cruise travel insurance plan with at least $100,000 Medical Insurance and a Pre-existing Condition Waiver. The cost is $1,380 for both travelers.

Pearl-Sea-Cruises-SE | AardvarkCompare.com

Then we found a quote for the least expensive policy with Cancel For Any Reason benefits. Travel Insured International Worldwide Trip Protector Plus comes to $2,374 total for the two travelers.

Pearl-Sea-Cruises-WWTPP | AardvarkCompare.com

Comparison Quotes

Price and Value

Disturbingly, the Pearl Seas cruise cancellation program costs more than a top-shelf travel insurance plan with Cancel For Any Reason.

As we compare the Pearl Seas scheme to travel insurance, it’s clear how useless their plan is. It does not compensate the guest for Interruption, Medical Insurance, Medical Evacuation, Baggage Loss/Delay, Travel Delay, Missed Connection, or Accidental Death.

Although Pearl Seas’ plan is not insurance, it gives customers a false sense of security. It ignores the fact travel insurance offers more than cancellation reimbursement.

Pearl-Sea-Cruises-Lighthouse | AardvarkCompare.com

Travel Insurance Trip Cancellation

In contrast to Pearl Seas Cruises, travel insurance policies include a list of covered Trip Cancellation reasons which reimburse 100% of trip costs if a traveler must cancel.

Standard trip insurance policies have 10-12 cancellation reasons, while higher tier policies cover 18-26 circumstances. Of course, the more reasons for cancellation, the more flexibility you enjoy.

Travel insurance refunds 100% of your money in the following situations:

  • Unforeseen injury, illness or death of a traveler or traveling companion
  • Unexpected grave illness or death of a family member
  • Hijacking, quarantine, jury duty, subpoena
  • Traveler’s home uninhabitable due to fire, flood, natural disaster or burglary
  • Involved in a traffic accident en route to departure point
  • Strike of common carrier
  • Inclement weather or mechanical breakdown causing delay of common carrier
  • Involuntary termination or layoff
  • Terrorism

Moreover, many middle and high tier policies cover these additional reasons for 100% refund cancellation:

  • Mechanical breakdown of common carrier
  • Traveler’s destination uninhabitable or inaccessible due to fire, flood or natural disaster
  • Traveler’s place of employment unsuitable for business due to fire, flood, burglary, or natural disaster and required to work as a result
  • Theft of passport or visa
  • Permanent transfer of employment of 250 miles or more
  • Government-mandated shutdown of airport or air traffic control due to natural disaster
  • Mandatory evacuation at destination
  • Traveler called to military duty for natural disaster (not war)
  • Revocation of military leave due to war
  • Bankruptcy or Default of an airline, cruise line, tour operator
  • Traveler required to work during the trip
  • Hurricane warning at destination
  • Trip delayed so long 50% or more of the trip is lost

Regardless of which plan you choose, travel insurance at AardvarkCompare guards the prepaid, non-refundable trip costs, including airfare, cruise fare, hotels, excursions, and rentals, regardless of where you booked them. And it pays cash.

Thankfully, travel insurance protects you from unhappy circumstances and grants a full refund regardless of whether you cancel nine months or two days before your cruise departs.

Pearl-Sea-Cruises-Ship1 | AardvarkCompare.com

Cancel For Any Reason

If you call off a trip for a situation not covered by the policy, you need Cancel For Any Reason insurance. When your family member plans their wedding the week of your cruise or your pet is sick, and you don’t want to leave her, Cancel For Any Reason saves the day.

Fortunately, some cruise insurance policies include Cancel For Any Reason, such as Travel Insured International Worldwide Trip Protector Plus. To use it, cancel the trip and collect 75% of the trip cost in cash. By contrast, Pearl Seas varies the amount you receive, depending on how long until your departure.

Just as Pearl Seas cruise cancellation has a set of rules, so does Cancel For Any Reason trip insurance. You receive a 75% cash refund when you:

●         Purchase policy within 21 days of initial trip deposit or payment

●         Insure 100% of prepaid, non-refundable trip costs

●         Cancel within two days or more of scheduled departure date

Of course, when you cancel for a reason listed by the policy, you receive a 100% cash refund.

Trip Interruption

Even though the Pearl Seas’ plan covers you before the cruise, it offers nothing if you have a family emergency during the trip and need to come home early. Or, receive reimbursement if you are unexpectedly sick or injured during the trip and spend the rest of the cruise in a hospital.

Sadly, the extra money you paid Pearl Seas for improved cancellation does not cover the added cost of going home early or the unused portion of the trip. But travel insurance does!

Referencing the same list of covered cancellations, Trip Interruption reimburses you if you face any of the same situations after you leave for the trip. Travel insurance pays you for the unused portion of the voyage and the added expense to return home early or rejoin the cruise in progress.

Pearl-Sea-Cruises-Niagra | AardvarkCompare.com

Medical Insurance for Peace of Mind

Most Americans don’t think twice about Medical Insurance when they travel abroad. Unfortunately, it’s a costly mistake.

In Canada and beyond, Medicare declines payment for your medical treatment, even if it’s an emergency. Although private health insurance covers some bills, you may face a hefty out-of-pocket bill. Hospitalization runs $3,000 to $4,000 per day, before the cost treatments, tests, drugs, and surgeries.

Although most countries have universal health care, they don’t give Americans free treatment. You’ll have to pay for treatment at a private hospital. Plus, the US State Dept does not aid Americans who need medical funding overseas.

All those expenses add up. That’s why AardvarkCompare recommends travelers bring at least $100,000 Medical Insurance when leaving the US. Losing the cost of a trip pales in comparison to paying off a foreign medical bill for the next two decades.

Are Pre-existing Medical Conditions Covered?

As a rule, travel insurance policies do not cover Pre-existing Medical Conditions. However, some trip insurance plans cover Pre-existing Conditions, like the iTravelInsured Travel SE and Travel Insured International Worldwide Trip Protector Plus. The policy includes the Pre-existing Condition Waiver if you buy it within 20 days of the deposit for Travel SE, or within 21 days for Worldwide Trip Protector Plus.

Then, if you cancel the trip due to a Pre-existing Condition flare-up, the policy pays a full refund. To ensure you’re fully covered, AardvarkCompare recommends travelers, especially seniors, purchase travel insurance that covers Pre-existing Conditions whenever possible.

Pearl-Sea-Cruises-Fishing-House | AardvarkCompare.com

Emergency Medical Evacuation

Medical Evacuation insurance compliments Medical Insurance. Whereas insurance pays for treatment to make you well, Evacuation transports you to the hospital, then brings you home once you’re stable.

Imagine you’re enjoying a crisp autumn day climbing a lighthouse on Prince Edward Island, and your knee gives out, and you fall two flights of stairs. An ambulance takes you to the local hospital, and they triage you. But you’re going to need orthopedic surgery, so they put you on a flight home to the US. Since you’re in Canada, your private health insurance doesn’t work, and the hospital hands you a bill for $75,000 for treatment and a helicopter flight.

Without proper Medical Insurance and Medical Evacuation, one incident makes a big dent in your retirement savings. The cost of Medical Evacuation is very high. On average, medical flights cost $15,000 to $25,000 per hour.

Consequently, AardvarkCompare recommends all travelers leaving the US get at least $250,000 Emergency Medical Evacuation protection. It protects your life savings from being wasted on an accident.

Conclusion

The Pearl Seas Cruises cancellation plan is redundant and unnecessary when you have travel insurance. The cancellation protection is low and lacks benefits found in travel insurance policies. Most offensive is the high cost of such an incomplete plan.

Before you buy the Vacation Protection from Pearl Seas, shop around to find better coverage for a lower price. Comparison shopping is simple with AardvarkCompare travel insurance marketplace.

We guarantee you get the lowest possible price on travel insurance working with AardvarkCompare. Review a multitude of different plans from some of the best travel insurance companies in the country. It just takes a few minutes to check the value for money, coverage, and insurance carrier ratings.

Wherever you travel, visit AardvarkCompare first to shop around before committing to the first travel insurance policy you’re offered. 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


Anguilla Traveler Information – Travel Advice

Travel Advice with a Travel Advisory overview from the US State Department. Here we cover Visa, Safety & Security, local Laws and Insurance in our Anguilla Traveler Information guide.

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 Anguilla Traveler Information should help you make the most of your trip to Anguilla.

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

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Virgin Voyages Travel Insurance – Review

Virgin Voyages, like most of Virgin Group’s endeavors, attempts to disrupt the cruise industry by offering cruises for adults 18 and up (no children allowed), high tech amenities, sustainable food sourcing, low environmental impact, and modern dining and entertainment. Uncharacteristically, Virgin’s choice for travel insurance is the opposite of innovative.

Virgin-Voyages-Port-Render | AardvarkCompare.com

Although Virgin offers a variety of cruises, cabin types, and dining options, they only offer a single option for cruise travel insurance.

Like most major cruise lines, Virgin’s trip insurance policy carries dangerously low limits for Medical Insurance, Medical Evacuation, Trip Cancellation and Interruption. It also lacks many of the important features of quality travel insurance policies found on the wider market such as a Pre-existing Medical Condition Waiver and a comprehensive list of reasons for Trip Cancellation and Interruption.

Arch Insurance Company, a strong insurance partner, underwrites Virgin’s Voyage Protection, and Aon Affinity administers policy service and handles claims.

The one redeeming element of Virgin Voyages’ cruise insurance is that you can easily purchase it at checkout when booking your cruise online. Before you buy, check out our review to find out if Virgin’s cruise trip insurance is right for you.

Virgin-Voyages-Bimini | AardvarkCompare.com

Our Cruise: New Year’s Ahoy!

For this review, we compare travel insurance options for an aft suite. The cruise costs $10,680 for two people for the “New Year’s Ahoy!” holiday vacation. This insurance quote is based on a senior traveling couple, ages 55 and 60.

Virgin-Voyages-NY | AardvarkCompare.com
Virgin-Voyages-Suite | AardvarkCompare.com
Virgin-Voyages-Trip | AardvarkCompare.com

Conveniently, Virgin cruises offers travel insurance at checkout:

Virgin-Voyages-Insurance| AardvarkCompare.com

To Virgin’s credit, their website is incredibly user friendly and easy to navigate. And obviously, it’s a simple click of “Yes” or “No” to purchase their travel insurance plan. But before you click it into your shopping cart, you need to know what your $828 is really buying–and what it’s not!

Comparison Quotes

When we review cruise line travel insurance plans, we always compare them to other options available on the wider marketplace. This way, you can see what the cruise line offers and whether it’s a good value and fit for your needs.

For virtually every trip, we recommend all travelers leaving the US have ample emergency insurance in case of an overseas catastrophe. It saves you the headache and heartache of paying for medical treatment out of pocket, and a 6-figure transportation fee to return home.

Therefore, AardvarkCompare advocates buying a minimum of $100,000 Medical Insurance, $250,000 Emergency Medical Evacuation, and a Waiver of Pre-existing Medical Conditions whenever possible. This is the primary benchmark we use to determine if a cruise line’s travel insurance is up to snuff.

In the next section, we show you how Virgin cruise travel insurance compares with two policies available at AardvarkCompare Travel Insurance Marketplace.

First, we compare Virgin travel insurance to iTravelInsured Travel SE because it’s the least expensive comprehensive trip insurance plan that includes our recommended minimums for Medical Insurance, Medical Evacuation and Pre-existing Condition Waiver.

Virgin-Voyages-SE | AardvarkCompare.com

Then, we show you what a top-flight travel insurance policy looks like, featuring maximum benefits and cancellation flexibility. iTravelInsured Travel LX is the least expensive plan that includes Cancel For Any Reason benefits.

Virgin-Voyages-LX | AardvarkCompare.com

How Does Virgin Voyages Travel Insurance Measure up to the Competition?

Virgin-Voyages-Comparison | AardvarkCompare.com

Trip Cancellation Reimburses You If You Can’t Travel

Senior travelers value Trip Cancellation benefits because it allows you to get a full refund of your prepaid, non-refundable trip costs in case you must cancel. The more reasons a policy has for cancellation, the better.

Disappointingly, Virgin’s cruise insurance covers a mere 5 cancellation reasons:

  • Injury, illness or death of a traveler, family member or traveling companion
  • Hijacking, quarantine, jury duty, subpoena
  • Your residence is made uninhabitable by fire, flood, natural disaster, or vandalism
  • Involved in traffic accident enroute to departure
  • Traveler called to military duty for natural disaster (not war)

Virgin should be ashamed of such dreadful deficiency. That’s just about the weakest list of cancellation reasons we’ve ever seen on a travel insurance policy. Mr. Branson did not do you any favors here.

With a comprehensive trip insurance program found on the marketplace, travelers enjoy the best possible coverage without paying an arm and a leg. These policies cover all the above reasons, and:

  • Destination made uninhabitable or inaccessible by fire, flood, natural disaster, or vandalism
  • Terrorism
  • Traveler’s place of employment unsuitable for business due to fire, flood, burglary, or natural disaster and required to work as a result
  • Theft of passport or visa
  • Permanent transfer of employment of 250 miles or more
  • Strike
  • Inclement weather
  • Airport shutdown
  • Involuntary termination or layoff
  • Revocation of military leave due to war
  • Bankruptcy or default of airline, cruise line, tour operator
  • A traveler is required to work during the trip
  • Hurricanes
  • Travel delay causing you to miss 50% or more of the trip

In addition to a very limited list of Trip Cancellation reasons, Virgin’s travel insurance policy limits the maximum covered cancellation to $20,000 per person. While this cruise does not exceed $20,000 per person in cruise trip costs, booking a high-tier suite may trigger more gaps in coverage.

Although rarely needed, iTravelInsured Travel SE has a $50,000 per person cancellation limit, and Travel LX’s upper limit is $100,000 per person. But for all intents and purposes, we refer to their cancellation limits as 100% of trip cost.

Virgin-Voyages-Deck-Render | AardvarkCompare.com

Trip Interruption Refunds the Unused Portion of Trip

Like Trip Cancellation, Trip Interruption insurance reimburses you for the missed portion of your trip if you have a covered disruption. For example, if you unexpectedly fell ill during the cruise and had to seek treatment off the ship for two days, that’s a covered Trip Interruption (and a Medical Insurance claim).

In some cases, your Trip Interruption may allow you to return to the trip after missing a portion of it. Other times, you might have to go home early to tend to a family emergency. In the same fashion, a Trip Interruption could delay your arrival to the cruise.

In any event, cruise travel insurance reimburses you up to the Trip Cost for the unused, prepaid non-refundable expenses for your land/water travel arrangements, plus the additional transportation cost paid to either:

  • Join your trip if you must depart after your scheduled departure date or travel via alternate travel; or
  • Rejoin your trip from the point where you interrupted your trip or transport you to your originally scheduled return destination.

While Virgin’s barebones policy offers only 100% trip cost refund for a Covered Interruption, both iTravelInsured Travel SE and Travel LX cover up to 150% refund. The extra 50% helps cover the added cost of transportation. Trip Interruption insurance that exceeds 100% is a hallmark of a robust and comprehensive travel insurance policy.

Virgin-Voyages-Funnel | AardvarkCompare.com

Medical Insurance Pays the Hospital Overseas

Sometimes travelers are more focused on Trip Cancellation and overlook the risks of traveling overseas without proper Medical Insurance.

Americans often have the false impression that countries with socialized medicine will treat them for free. But in fact, countries with universal health care programs only offer those services to their residents, not Americans. Even in Canada, Americans must pay full price for health care. Inpatient care at a hospital can run $3,000 to $4,000 per night, plus treatments and surgeries.

Even more troublesome, Medicare does not pay for your treatment outside the US. In addition, many private health care plans only reimburse for emergencies. For example, although some Medicare supplements cover up to $50,000 of emergency treatment abroad, it’s a lifetime limit and you must pay a 20% co-pay out of pocket. These policies falsely lead you to believe you’re safely covered, but they leave your retirement savings exposed to the risk of sudden, catastrophic financial loss.

Furthermore, the US State Department does not provide any medical support to Americans traveling overseas. In fact, the State Department and CDC emphatically recommend all travelers get robust Medical Insurance.

Thus, AardvarkCompare recommends each traveler take at least $100,000 Medical Insurance when leaving the US. This is enough coverage to assure you’re properly treated without paying off medical bills for years to come.

Getting back to Virgin cruises travel insurance, the Voyage Protection plan includes a worthless $10,000 of Medical Insurance. That’s simply not going to help you in an emergency.

On the other hand, iTravelInsured Travel SE includes $150,000 per person Medical Insurance, and iTravelInsured Travel LX covers $500,000 per person. These levels are better suited for seniors cruising in the Caribbean and beyond.

Virgin-Voyages-Pool-Deck-Render | AardvarkCompare.com

Emergency Medical Evacuation Brings You Home

Have you ever seen a helicopter land on a cruise ship to pick up a sick passenger, or heard of someone being flown home in a private medical jet? These things happen more frequently than you think.

Specifically, travel insurance Medical Evacuation pays for transportation from the place of injury or illness to a local hospital. Once you’re stable, Medical Evacuation takes you home. If your condition is critical and you require ongoing care by a medical team to return home, an air ambulance outfitted as a flying ICU might be most appropriate.

But brace yourself. Private air transportation can cost $15,000 to $25,000 per flight hour and coming back to the US from Europe or Asia can get very expensive, very quickly.

In addition, many travelers falsely assume their private health insurance pays for Medical Evacuation so they can go home. In fact, private health insurance plans, including Medicare supplements, do not include Evacuation benefits beyond a limited amount for ground ambulance to the hospital. So that medical flight cost comes out of your pocket and might cost as much as a house.

For these reasons, AardvarkCompare recommends all travelers trekking beyond the US border buy a minimum of $250,000 Emergency Medical Evacuation protection.

Not to sound like a broken record (sorry, couldn’t resist the pun), Virgin cruise insurance cheats their customers with a stingy $25,000 Medical Evacuation benefit. Meanwhile iTravelInsured Travel SE has $500,000 per person for Medical Evacuation and the iTravelInsured Travel LX covers $1,000,000 per person.

Virgin-Voyages-Ship1 | AardvarkCompare.com

Pre-existing Medical Conditions

If the term Pre-existing Conditions gives you a mild anxiety attack, you’re not alone.

In the world of travel insurance, Pre-existing Conditions does not mean anything that’s ever happened to you in your entire medical history. Instead, trip insurance companies only concern themselves with recent medical history.

Most policies only care about the 60-180 days prior to the day you bought your cruise insurance policy. For many seniors, this is a relief.

That means, any conditions older than 60-180 days will be covered as long as there’s been no change or worsening of the condition, no treatments or tests, no change in medication, no new medications, and the doctor didn’t recommend a treatment or test that hasn’t occurred yet. If anything occurred during the 60 to 180-day window prior to buying travel insurance, it’s excluded from coverage.

That’s not so bad, right?

Luckily, if you purchase your policy early in the booking process, within 14-21 days of making the Initial Trip Deposit or Payment, mid-level and high-level trip insurance policies include coverage for Pre-existing Medical Conditions with a Waiver. Once those 14-21 days pass, however, Pre-existing Conditions aren’t covered. Instead, they’re subject to the Look Back period, the time between when you bought the policy and the 60-180 days prior.

To make life easier and give you peace of mind, AardvarkCompare recommends travelers buy trip insurance that includes a Pre-existing Condition Waiver. It’s simple to get. Just buy your cruise travel insurance policy shortly after making a deposit.

As you might guess, Virgin cruise trip insurance does not cover Pre-existing Conditions at all. They do not offer a waiver, so it does not matter how long you wait to buy their insurance, they won’t cover it. The only noteworthy quality in Virgin’s favor is their policy only looks back 60 days into your medical history, not 180 or 365 days.

As you correctly assume, both iTravelInsured policies we compare to Virgin Voyage Protection offer Waivers of Pre-existing Conditions. Travel SE is more traditional in that you qualify for the waiver when you purchase the policy within 20 days of the Initial Trip Deposit or Payment.

In contrast, Travel LX is unique. Instead of focusing on the Initial Payment date, it concerns itself with the Final Payment Date. In the world of travel insurance, this is as forgiving as possible. Many times, people don’t even consider travel insurance until they make their final payment, only to learn it’s too late to include Pre-existing Condition coverage in their cruise policy. Travel LX’s requirement to purchase the policy before or no later than within 24 hours of the Final Trip Payment is a blessing for thousands of travelers.

Virgin-Voyages-Balcony-Render | AardvarkCompare.com

Cancel For Any Reason

Many major cruise lines offer a Cancel For Any Reason waiver which assigns future cruise credit to the travelers if they cancel their cruise for any reason not listed on the policy. Surprisingly, Virgin doesn’t offer anything of the sort. While cruise credit is far from preferable, it’s better than nothing.

On the other hand, some high-level travel insurance plans, like iTravelInsured Travel LX, built Cancel For Any Reason benefits into the policy by default. Instead of offering future credit, the policy gives you a cash refund for a portion of the trip cost.

Cancel For Any Reason has a few rules. It pays 75% of the prepaid, forfeited, non-refundable payments or deposits provided you:

  • Buy the policy within 20 days of your Initial Payment or Deposit
  • Cover 100% of the prepaid trip costs subject to cancellation penalties or restrictions
  • Add any subsequent trip payments to the policy’s trip cost within 20 days of the payment or deposit for those travel arrangements
  • Cancel your trip 2 days or more before your scheduled departure date.

Conclusion

Virgin Voyages offers contemporary cruising experiences, but unimaginative travel insurance. The policy is woefully deficient in important areas like Trip Cancellation, Medical Insurance, Medical Evacuation and covering Pre-existing Conditions. It also lacks a Cancel For Any Reason option.

Even more harmful is how little coverage Virgin’s customers get for their money. A top-notch plan like iTravelInsured Travel LX, with all the features and flexibility anyone could want in a travel insurance policy, is only $19 more than Virgin’s limited cruise insurance plan. Travel SE is one of many AardvarkCompare policies that provides outstanding value for the money, with more than $200 savings for exponentially better coverage.

In addition, you cannot add your other travel arrangements to Virgin’s policy, but you can add them with a policy you purchase in a wider marketplace like AardvarkCompare. You’ll find more value for your money working with AardvarkCompare.

Did you know we guarantee you won’t find lower prices on the same policy anywhere else, not even with the insurance company directly? At AardvarkCompare, we take the nation’s top travel insurance carriers and bring them in our marketplace where you can shop and compare different plans.

Visit AardvarkCompare first to see your options before committing to the first travel insurance policy you’re offered. 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


Angola Traveler Information – Travel Advice

Travel Advice with a Travel Advisory overview from the US State Department. Here we cover Visa, Safety & Security, local Laws and Insurance within our Angola Traveler Information guide.

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 Angola Traveler Information should help you make the most of your trip to Angola.

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

Angola-Travel-Health-Insurance
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Is Uniworld River Cruise Travel Insurance a Good Deal or Overpriced? – Review

Uniworld positions itself as a boutique river cruise line. Their itineraries include Europe, Russia, Asia, India and Egypt. They focus on an all-inclusive, luxury guest experience.

However, when it comes to protecting your investment in a river cruise experience, Uniworld sells an inferior travel insurance plan at a luxury price.

UniWolrd-River-Cruise-Antoinette | AardvarkCompare.com
S.S. Antoinette

Our Uniworld River Cruise: Castles Along the Rhine

Our couple, ages 55 and 60, selected “Castles Along The Rhine” 8-day river cruise from Basel to Amsterdam in late October.

The trip cost for both travelers is $5,338. Uniworld’s promotion also included airfare.

UniWolrd-River-Cruise-Map | AardvarkCompare.com
UniWolrd-River-Cruise-Cruise-Sale | AardvarkCompare.com
UniWolrd-River-Cruise-Without-Insurance | AardvarkCompare.com

Then Uniworld offered travel insurance:

UniWolrd-River-Cruise-Choice | AardvarkCompare.com

Wow, $400 per person!

Our savvy senior couple rejected the Uniworld travel insurance offer.

What now?

What Are Your Options?

When we ran comparison quotes for this trip, we used a trip cost of $5,338 for an 8-day trip, with two travelers ages 55 and 60.

The Uniworld travel insurance added a whopping $798 to the river cruise total.

We shopped for the least expensive plan with at least $100,000 Medical Insurance and $250,000 Emergency Medical Evacuation. The least expensive policy with that benefit limit was Seven Corners RoundTrip Choice at $295 total. That’s over $500 savings.

UniWolrd-River-Cruise-Seven-Corners | AardvarkCompare.com

Because the Uniworld policy boasts a Cancel For Any Reason perk, we also compared it to Travel Insured International Worldwide Trip Protector Plus, a Cancel For Any Reason plan.

You’d save $333 on a top-shelf, fully featured travel insurance plan over Uniworld insurance.

UniWolrd-River-Cruise-WWTPP | AardvarkCompare.com

Here’s the side-by-side breakdown:

UniWolrd-River-Cruise-Comparison | AardvarkCompare.com

Shockingly, if you buy the Uniworld policy, you’d pay 268% more than for Seven Corners RoundTrip Choice, a policy with more benefits.

If you want Cancel For Any Reason included with the policy, you’d pay 172% more for Uniworld insurance than the Travel Insured Worldwide Trip Protector Plus, which is a robust, top-shelf plan.

These 3 trip insurance options also have other important differences, such as Medical Insurance and Emergency Medical Evacuation benefits, which we discuss in detail.

What’s in the Uniworld Travel Insurance Policy?

Uniworld partnered with Arch Insurance, the same underwriter as our trusted insurance partner, RoamRight.

Two parts make up the Uniworld Trip Protection Plan.

First, Uniworld itself pays the covered cancellation refund and Cancel For Any Reason feature, rather than the insurance company. Basically, it’s an enhanced cancellation policy from Uniworld.

Second, the insurance policy covers trip interruption, medical insurance, medical evacuation and baggage.

Will You Get a Refund If You Cancel?

Uniworld’s trip insurance policy focuses on cancellation coverage. Customarily, insurance companies pay the cancellation refund, but in this case, Uniworld itself pays the refund instead.

As a result, Uniworld accepts only a few cancellation reasons for full refund:

  • Your, your traveling companion’s or immediate family member’s unexpected illness, injury or death
  • Traffic accident en route to departure
  • Your home destroyed by a natural disaster
  • Called into active duty by the military due to natural disaster
  • Subpoena or called for jury duty
  • Theft of passports or visas
  • Job transfer of 250 miles or more
  • Inclement weather, mechanical breakdown or strikes of an airline, cruise line, or a motor coach
  • Terrorism occurs in city on itinerary within 30 days of your scheduled departure

This is a very basic list. On the other hand, all policies through AardvarkCompare cast a wider net and list more comprehensive cancellation reasons than Uniworld.

In addition, Uniworld Travel Protection Plan will not repay you for bookings made outside Uniworld. It does not cover cancellation for your flight reservations made directly with the airline. Consequently, seniors face increased financial risk from this coverage gap.

Your Roommate Cancels

Uniworld travel insurance also includes single supplement. This benefit pays if you’re charged extra for a change in occupancy as a result of your traveling companion’s cancellation. Important to note, their cancellation must be for one of the reasons permitted by Uniworld.

In addition, all policies through AardvarkCompare include the Single Supplement feature at no additional cost.

Cancel For Any Reason

Just as Uniworld pays cancellation refunds itself, it also oversees the Cancel For Any Reason benefit. While a covered cancellation refunds 100% of the trip cost in cash, Cancel For Any Reason compensates with future cruise credits.

These are the terms for Uniworld Cancel For Any Reason:

  • Cancel 24 hours or more before departure
  • Refund is future credit, not cash
  • Credits expire after 2 years
  • Not transferable
  • Not refundable
  • Not redeemable for cash

We like that Uniworld gives future credit instead of a cold shoulder, but some travelers never use the credit.

In contrast, AardvarkCompare’s Cancel For Any Reason policies pay a cash refund.

You are eligible for the 75% cash refund from Cancel For Any Reason policies if:

  • Purchase policy within 20-21 days of Initial Trip Deposit
  • Be medically fit to travel on purchase date
  • Insure 100% of trip costs
  • Cancel 48 hours or more before departure

Best of all, our Cancel For Any Reason policies cost less than the Uniworld travel insurance plan.

Cancel Because Your Employer Requires You To Work

Unfortunately, Uniworld does not refund your money if you Cancel For Work Reason.

Although Uniworld permits cancellation if your job moves you more than 250 miles from home, there are important circumstances they don’t cover:

  • Layoff or involuntary termination after employed 1 consecutive year
  • Employer previously granted time off, but requires insured or insured’s traveling companion to work
  • Place of employment destroyed by natural disaster
  • Revocation of military leave
  • Directly involved in merger or acquisition of your employer

Happily, policies at AardvarkCompare cover these circumstances. Cancel For Work Reason cushions the blow if a traveler’s employer downsized or laid them off without cause prior to travel.

UniWolrd-River-Cruise-Boats-Buildings | AardvarkCompare.com

Photo by Kai Pilger from Pexels

End Trip Early if Someone Gets Sick

This policy reimburses if you must cut your trip short due to a covered interruption reason. Most often, the unexpected injury, illness or death of a traveler or non-traveling family member triggers a trip interruption.

Here are a few more covered interruption reasons:

  • Unexpected injury or illness of a traveler
  • Hijacked, quarantined, jury duty, subpoena
  • Your home uninhabitable by fire, flood, or other natural disaster, vandalism
  • Documented theft of passports or visas
  • Employer requires transfer of 250 miles or more from home
  • Involved in traffic accident en route to point of departure
  • Common carrier strike stopping service
  • Inclement weather
  • Delay due to mechanical breakdown of the aircraft
  • Military activation due to natural disaster
  • Terrorist incident within 30 days of departure date

Unlike the cancellation benefit, the insurance policy pays for Trip Interruption refunds. As a result, the Uniworld travel insurance policy offers a larger list of interruption reasons than Uniworld offers for cancellation.

Pays the Hospital if You Get Sick or Injured Traveling

Medical treatment overseas can be extremely expensive. Travel Medical Insurance is essential.

Many Americans believe they will enjoy free medical treatment traveling to countries with universal healthcare, but that is not the case. In fact, citizens pay taxes for healthcare, so any public facility accepts them.

On the other hand, Americans get treatment at private hospitals, which can cost $3,000-$4,000 per day for inpatient care. Add tests, treatments and surgeries and you could end up in 6-figure debt in no time.

In addition, many seniors don’t know Medicare does not pay outside the US. Some Medicare supplements pay a lifetime benefit of $50,000 or require an 80/20 co-pay. Either way, relying on Medicare without travel medical insurance leaves seniors exposed to a high financial risk that could waste retirement savings prematurely.

Equally important, the US State Department does not pay for any medical care for Americans outside the country. They can only help you with legal or diplomatic troubles.

Consequently, we recommend travelers own at least $100,000 in travel medical insurance when they travel outside the US. This minimum covers enough treatment to put you back together so you’re stable to return home.

Even though Uniworld travel protection plan carries a $50,000 medical benefit, it won’t be enough to cover critical illness like heart attack or stroke.

When you buy from AardvarkCompare travel insurance marketplace, you can choose your preferred level of medical coverage from $100,000 up to $500,000.

Pre-existing Conditions

A pre-existing condition is when the traveler or traveling companions received or recommended to receive treatment, testing or medication changes due to injury or illness within the past 60-180 days.

Fortunately, Uniworld provides a Pre-existing Medical Condition Waiver in their travel insurance plan. It’s included when you purchase the policy within 14 days of deposit. As a result, you receive a full cash refund because you have the Pre-existing Condition Medical Waiver if you cancel due to a health reason.

Most policies at AardvarkCompare include Pre-existing Medical Condition coverage when you buy the policy within 14-21 days of your Initial Trip Deposit or payment. There is no additional cost for the Waiver.

We encourage senior travelers purchase a policy with a Pre-existing Medical Condition Waiver whenever possible. In effect, the Waiver protects your retirement savings against the catastrophic costs travel insurance doesn’t cover.

Emergency Medical Evacuation

You’ve heard the stories of someone who went on vacation, had a heart attack or stroke and had to be evacuated. Then they got a bill for tens of thousands of dollars.

Hopefully this never happens to you, but if it does, Emergency Medical Evacuation covers your transportation costs.

At times, Medical Evacuation is as simple as a 10-minute ambulance ride to another hospital in the city. Every now and then, it involves a private jet outfitted like a hospital room and medical staff to monitor the patient to their hometown hospital.

Because air ambulance flights may cost up to $250,000, AardvarkCompare recommends a $250,000 minimum cover for Emergency Medical Evacuation. Uniworld travel insurance provides only $100,000 medical evacuation. We think that’s just too low to be helpful in a true emergency.

Again, the US State Department does not pay any Emergency Medical Evacuation costs.

In addition, if you are traveling alone, the insurance pays transportation costs for a companion of your choice to accompany you if you’re in the hospital for 7 days or more. It also returns dependent children home if the traveling adult is hospitalized 3 days or more. If appropriate, the policy pays for a chaperone escort home.

In the case a traveler dies during their covered trip, Emergency Medical Evacuation pays for repatriation of remains.

Travel Delay & Missed Connection

If you are delayed 12 hours or more en route to or returning home from your trip, Uniworld travel insurance pays up to $150 per day, $1,000 maximum.

The policy delay covers:

  • Common carrier delay
  • Involved in traffic accident en route to point of departure
  • Documented theft of passports or visas
  • Hijacking, quarantine, strike, natural disaster, riot
  • Unexpected injury or illness of a traveler

While you are delayed, the policy reimburses for the costs of:

  • Unused, prepaid expenses for land and water travel
  • Joining the departed cruise
  • Additional hotel nights, meals, telephone calls, transportation

Baggage Delay, Damage and Loss

All travel insurance policies include compensation for lost, damaged or delayed baggage.

Uniworld travel insurance covers lost bags up to $2,500. However, it limits the loss of expensive personal items such as watches, jewelry, furs, precious metals, electronics and cameras to $500.

If you don’t have receipts, the policy pays the lesser of:

  • Actual cash value at the time your baggage is lost, stolen, damaged or destroyed
  • Cost to repair or replace the item with material of a like kind and quality, or
  • $250 per item.

The Uniworld policy also covers replacement fees if your passport and visas are lost, stolen, damaged or destroyed during your trip.

Of course, if the airline, hotel or cruise line compensates you for any of the losses, the travel insurance benefit will not pay you.

On the occasion the common carrier delays baggage delivery for 24 hours or more, Uniworld travel insurance policy offers $500 reimbursement per person for clothing and personal items.

Conclusion

Uniworld offers world-class cruise experiences, but not world-class travel insurance. Their travel protection plan permits a weak number of covered cancellations to pay cash but offers future credit if you Cancel For Any Reason. The medical insurance is only $50,000, half the amount we recommend for seniors traveling outside the US. Uniworld insurance pays up to $100,000 for medical evacuation, but again, a fraction of what we recommend to protect you against financial risks.

Overall, this policy falls short in all aspects of cancellation, interruption, medical and evacuation protection. Coupled with a high cost and lack of coverage for trip costs booked outside Uniworld, the Uniworld travel protection plan flops.

You will always find better policies, higher benefits, lower cost and the best value on travel insurance at AardvarkCompare. Because we are an insurance marketplace, we give you real-time quotes from the nation’s best travel insurance companies so you can compare and find the best price.

When you shop with us, you’re guaranteed to get the lowest price on travel insurance. Nobody can beat our prices on the same policies, not even the insurance company.

Have questions? We would love to hear from you. Send us a chat, Email 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


Andorra Traveler Information – Travel Advice

Travel Advice with a Travel Advisory overview from the US State Department. Here we cover Visa, Safety & Security, local Laws and Insurance in our Andorra Traveler Information guide.

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 Andorra Traveler Information should help you make the most of your trip to Andorra.

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

Andorra-Travel-Health-Insurance
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Is REI Adventures Travel Insurance Worth the Cost?

What is REI Adventures Travel Insurance?

REI Adventures, like many large travel agencies, created its own brand of travel insurance. They partnered with TripMate to sell REI customers travel insurance called TripAssure.

TripMate administers the insurance plan and processes claims made against the travel insurance.

REI insurance is underwritten by US Fire Insurance Company, which is the same underwriter as the very popular Travel Insured International Worldwide Trip Protector products available through AardvarkCompare. We are pleased to see REI work with a reputable underwriter.

As you will see in this review, the REI travel insurance plan and the Travel Insured International Worldwide Trip Protector plan are almost identical except for a few benefit limits and, most importantly, the prices.

How to Buy REI Adventures Travel Insurance

REI Adventures does not automatically offer their travel insurance at check out. Below the cancellation policy is an inconspicuous line: “To protect your investment, we recommend that you purchase travel insurance.”

REI-Adventures-Travel-Insurance-Offer | AardvarkCompare.com

Easy to miss.

When you click “Travel Insurance” it takes you to the REI Travel Insurance page, which still doesn’t have a purchase option. You must click through to their 3rd party vendor, TripMate, to get a quote. It’s not difficult, just not convenient.

Although REI only offers a single policy of the “take it or leave it” attitude, we can definitively say it’s a quality policy. In this case, it doesn’t bother us that there is only one travel insurance option. It’s a good one.

Our REI Adventure: Baja Kayaking Escape

Our example couple, ages 55 and 60 are heading to Baja, Mexico for the Baja Kayaking Escape through REI Adventures. They look forward to spending time outdoors together and enjoying the beauty of the landscape and wild animals.

As REI members ($20 for annual membership), they get a discounted trip cost of $2,799 per person for a total of $5,598.

Here’s a look at the trip they chose:

REI-Adventures-Price-Page | AardvarkCompare.com
REI-Adventures-Trip | AardvarkCompare.com
REI-Adventures-Highlights | AardvarkCompare.com
REI-Adventures-Whats-Included | AardvarkCompare.com
REI-Adventures-Day3 | AardvarkCompare.com
REI-Adventures-Luxury-Tent | AardvarkCompare.com
REI-Adventures-Hiking | AardvarkCompare.com

Sounds like fun!

You’d find this type of vacation has the opportunity for relaxation and renewal with morning yoga, and keep you active with hiking, kayaking and stand up paddleboarding.

But like all travel, financial and physical risks are involved.

Next, we look deeper into what the REI Adventures travel insurance offers, and how it stacks up against similar travel insurance available at AardvarkCompare.

Compare REI Adventures Trip Insurance to Similar Travel Insurance

As you will see, REI Adventures travel insurance is nearly identical to the Travel Insured Worldwide Trip Protector policy. The biggest difference is the REI Adventures policy costs much more.

REI-Adventures-Comparison | AardvarkCompare.com

Cost

This is the quote we got from REI’s travel insurance partner.

REI-Adventures-Travel-Quote | AardvarkCompare.com

 It’s almost $500! We think that’s way too expensive.

Then we ran a quote on AardvarkCompare travel insurance marketplace and found an almost twin policy:

REI-Adventures-WWTP | AardvarkCompare.com

And its big sister plan with Cancel For Any Reason:

REI-Adventures-WWTPP | AardvarkCompare.com

You’ll notice first the REI Adventures travel insurance is very overpriced. They charge a higher cost for a near-identical policy to Worldwide Trip Protector and don’t even provide the most expensive benefit: Cancel For Any Reason.

Although REI travel insurance is very similar to it’s marketplace cousins, there are a few situations when Worldwide Trip Protector has a clear advantage.

First, the cost! REI Adventures is the clear loser here.

An equivalent policy saves you 37%. What could you do with an extra $182? A policy with luxury benefits costs $27 less than REI insurance. Who knew insurance branded with REI’s logo could cost so much more?

Second, you can get a policy with more benefits including Cancel For Any Reason and Primary medical insurance for lower cost using Worldwide Trip Protector Plus.

Third, both Worldwide Trip Protector plans have superior travel assistance benefits to REI Adventures insurance.

Let’s dig into the details.

What’s in the REI Travel Insurance policy?

Trip Cancellation

Have you ever booked a trip and thought, “I hope nothing comes up, because if I have to cancel, I’ll be out a lot of money”?

You’re not alone. Most people need cancellation insurance in case an unexpected health condition delays their travels, or an illness or death in the family prevents the trip.

Of course, good travel insurance policies cover more than just illness and injury cancellations. They also allow cancellation for:

  • Terrorism in a city on your itinerary
  • Common carrier delay
  • Inclement weather
  • Quarantine, hijacking, jury duty, subpoena
  • Passport or visa theft

Many travel insurance plans sold by travel agencies, airlines and cruise lines only cover 5 or 6 cancellation reasons.

But a good travel insurance policy has 15-30 reasons. The more cancellation reasons, the better.

We are pleased REI Travel Insurance has 26 reasons for cancellation, nearly identical to Worldwide Trip Protector. You have great security from either policy.

One last point, like Worldwide Trip Protector, REI travel insurance covers all trip costs, not just those purchased through REI Adventures. This is another sign of a quality insurance policy. Cruise lines are notorious sinners because their insurance only covers bookings made through them. Good on REI for offering a consumer-oriented policy.

Trip Interruption

Most often, one of two things happen during a trip:

  1. A traveler is too sick or injured to continue the trip
  2. A non-traveling family member is ill, injured or passed away and you need to return home early

Trip interruption covers both situations. The policy refunds the unused portion of the trip and reimburses the additional cost of getting home early.

But those aren’t the only reasons you might interrupt a trip. Both REI Travel Insurance and Worldwide Trip Protector use a similar 26-reason interruption list to refund up to 150% trip cost.

Cancel For Any Reason

Have you ever planned a beach vacation and then hear the weatherman predict rain the entire time? Did you ever know someone who cancelled a trip because their dog was sick?

Bet you have!

If you choose to cancel your trip for a reason that’s not covered by the policy, Cancel For Any Reason is your best friend. You’ll get 75% of your trip cost back.

Worldwide Trip Protector Plus adds Cancel For Any Reason to your policy if you purchase within 21 days of your initial trip deposit and insure 100% of prepaid, non-refundable trip costs. Pretty convenient, right?

If you use Cancel For Any Reason, do it 48 hours or more before your scheduled departure date. If you wait too long, you’re out of luck.

On the same note, Cancel For Any Reason also gives you Interruption For Any Reason.

What if you get to Baja and suddenly realize you’re not an outdoors person? You can quit!

If more than 72 hours passed since your trip began, you can go home and request a 75% refund for the unused portion of the trip.

Of course, if you cancel or interrupt for a covered reason, you’ll get a 100-150% refund.

Pre-existing Medical Condition Waiver

One of the most misunderstood phrases in travel insurance policies is pre-existing condition. Health insurance companies made us believe it’s any medical history you’ve ever had.

That’s not the case for travel insurance.

In fact, travel insurance policies consider a Pre-existing Medical Condition as an illness, disease, or other condition for which a traveler or immediate family member received or received a recommendation for a test, examination, medical treatment or medication change in the 60 days prior to purchasing travel insurance.

If you take prescriptions for controlled conditions like blood pressure or diabetes, don’t worry. Conditions older than 60 days and controlled with medication are covered.

Both REI Travel Insurance and Worldwide Trip Protector policies cover pre-existing conditions if the policy is purchased within 21 days of initial trip deposit. Make sure you also cover 100% of your trip costs that are subject to cancellation penalties and are fit to travel the day you purchase insurance.

AardvarkCompare advocates seniors get a policy with a Pre-existing Medical Condition Waiver whenever possible. That way, the policy covers you for pre-existing conditions, and reduces the risk an insurance company denies a claim.

Medical Insurance

Adventure travel, as with all travel, exposes you to risks of paying for healthcare overseas. One overnight in a foreign hospital could cost you $3,000 to $4,000 per night for inpatient care.

Seniors have additional worries:

  • Medicare doesn’t cover you outside the country
  • Medicare supplements might cover up to $50,000, but it’s a lifetime limit
  • You end up paying all out-of-pocket medical expenses
  • Foreign countries don’t give free health care to visitors
  • US State Department does not cover any health care costs of Americans abroad

That’s right. Maybe you thought universal health care programs overseas would give you free treatment. Nope! Health care is for the citizens of that country, not visitors. They pay for it with their taxes.

When traveling overseas, we recommend Americans have at least $100,000 travel medical insurance to cover the unexpected. Less than that, and you risk your retirement savings to kayak in Baja.

Instead of paying a hospital yourself, travel insurance medical benefits pay the provider directly. Travel insurance takes a huge burden off you.

REI travel insurance and Worldwide Trip Protector both meet our $100,000 Medical Insurance guideline.

Worth noting, the Worldwide Trip Protector Plus is a primary medical insurance, while the other two policies are secondary. That means it will pay before any other health insurance you have. It removes a lot of hassle from filing claims.

If you do not have any other health insurance coverage overseas, then a secondary medical insurance policy will act as primary.

Emergency Medical Evacuation

If you ever need it, you will find one of the most valuable travel benefits is Emergency Medical Evacuation. Even more so when traveling outside urban areas.

Imagine you’re kayaking in Baja and your left arm goes numb. There’s no hospital in sight. The closest town is a boat ride away. What happens if you get there, and they don’t have a cardiologist?

Emergency Medical Evacuation benefits make sure you get to the right medical center as soon as possible. Sometimes the closest hospital isn’t suitable for your situation.

That’s when Evacuation takes over. It covers moving you to a hospital with a cardiac ICU so you can get treatment as soon as possible. Once you’re stable and the doctor gives the all clear to go home, evacuation will put you on a flight home.

Or, if medically necessary, put you on an air ambulance private jet with a medical team and equipment to monitor you while going home.

Either way, Emergency Medical Evacuation gets you to the best place to treat you, then brings you back home.

AardvarkCompare recommends at least $250,000 medical evacuation benefit, which is enough to get you home from just about anywhere.

REI travel insurance and Worldwide Trip Protector both offer stellar protection at $1,000,000 for Emergency Medical Evacuation.

Baggage

Has an airline or cruise line ever lost your luggage? Or maybe it showed up delayed or damaged?

Chances are you’ve experienced some sort of baggage problem from broken zippers or wheels to just plain disappeared. If you haven’t, count yourself lucky!

If the airline or tour company lost your bags, you could get reimbursed for the cost of replacing your clothing, toiletries, luggage and miscellaneous items.

REI Adventures travel insurance pays a maximum of $1,000 for lost baggage. That’s the same as the Worldwide Trip Protector.

In addition, the lost baggage benefit also covers damaged items. If your brand-new spinner arrived cracked and missing a wheel, the policy covers repair or replacement.

Suppose you got to the hotel, but the airline delivered your bags 12 hours later. Travel insurance baggage delay benefits reimburse you for the change of clothes and personal articles for that night. REI travel insurance plan pays up to $500 and Worldwide Trip Protector pays up to $300 for delayed baggage.

Travel Delay

Exciting trips turn miserable when airlines delay us. You’re so excited to start the vacation, or tired and ready to go home, and then you’re stuck somewhere for hours.

REI travel insurance covers that. It pays up to $200 per day to cover meals, taxi and accommodations if you are delayed for 8 hours or more due to:

  • any delay of a common carrier
  • a traffic accident in which you or your traveling companion is not directly involved
  • lost or stolen passports, travel documents or money
  • quarantine, hijacking, strike, natural disaster, terrorism or riot
  • a documented weather condition preventing you from getting to the point of departure

That way, if your flight is delayed overnight, you can get a comforting meal and a good night’s rest at a hotel.

Both versions of Worldwide Trip Protector pay $300 per day for travel delay.

Missed Connection

Delays make you feel terrible. Even worse, you’re delayed so long your tour group or cruise leaves without you!

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

  1. any delay of a common carrier
  2. weather preventing you from getting to the point of departure
  3. quarantine, hijacking, strike, natural disaster, terrorism or riot

REI Adventures travel insurance will reimburse you up to $1,000 for:

  1. your additional transportation cost to join your trip, and
  2. your prepaid expenses for the unused land or water travel arrangements.

Now you can rest assured that even if the Baja kayaking tour leaves without you, you’ll be compensated and transported to join the group.

Single Supplement

When you’re on a cruise or tour that charges based on double occupancy, single supplement is very helpful.

If your traveling companion cancels their trip due to a covered reason, but you still want to go kayaking, Single Supplement covers the added cost of traveling alone. From the REI policy:

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.

Because REI insurance rates are based on double occupancy rooms, we recommend Single Supplement benefits appear in the policy.

As you might guess, Worldwide Trip Protector and Worldwide Trip Protector Plus also cover single supplement benefits.

Accidental Death and Dismemberment

Nobody wants to think about accidental death on a vacation, but it happens.

REI pays a $50,000 death benefit, while the two Worldwide Trip Protector plans pay only $10,000. We do not consider life insurance necessary for travel insurance, so AardvarkCompare does not recommend a minimum benefit.

However, it’s a nice added benefit from REI that can help cover burial costs.

But don’t forget. The Emergency Medical Evacuation benefit, not accidental death, pays to return remains.

Travel Assistance

Most people don’t realize travel insurance policies usually include travel assistance services. They’re designed to help when you’re in a tough situation, such as medical payments to a hospital, victim of theft, or relaying messages in an emergency.

Both REI travel insurance and Worldwide Trip Protector cover non-medical emergency evacuation. If you were in Brussels when a terrorist event happened, travel assistance will let your family know you’re ok, and arrange departure out of the city as soon as possible. While REI only provides $25,000, Worldwide Trip Protector offers a generous $150,000 non-medical emergency evacuation benefit.

Other common events include prescription drug/eyeglasses replacement, emergency cash advance, language interpretation, travel document and ticket replacement and nurse helpline/telemedicine. Both travel insurance plans offer concierge services like business communication, dining reservations, event tickets, golf tee times, and weather and flight updates.

The biggest difference between REI travel insurance and Worldwide Trip Protector is identity theft services. If identity theft occurs on your trip, Worldwide Trip Protector’s assistance services helps notify banks and credit reporting agencies for damage control. REI travel plan does not cover identity theft.

Although very similar, Worldwide Trip Protector has several advantages over REI travel assistance benefits.

Conclusion

All around, this is an excellent travel insurance policy. You are in good hands. It is almost identical to the Travel Insured International Worldwide Trip Protector policy we offer. We applaud REI for offering a quality travel insurance.

We would recommend the REI Adventure policy if the price were more competitive with the marketplace version. REI charges a premium for insurance with their name on it but is much more expensive than its marketplace cousins.

If you’re considering the REI travel insurance policy and would like to do a quote comparison, use our handy quoting tool to find the best value.

We know you will find a nearly identical policy at lower cost than through REI.

Can I save more by buying directly from the insurance carrier?

No, you will not save money.

AardvarkCompare prices are the same as on the insurance company website. We guarantee you will never find a lower price anywhere for any product found on AardvarkCompare.

Have questions? We would love to hear from you. Send us a chat, an email or 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


Celestyal Cruises Travel Insurance – Review

Celestyal Cruises is a small cruise line focused on immersive Greek and Eastern Mediterranean cultural experiences. Although based in Greece, they have an English language website for North American and British travelers, as well as an office in Miami.

Celestyal-Cruises-Ship | AardvarkCompare.com

Travelers can purchase Celestyal Cruises travel insurance at checkout. They offer 3 options that are basically the same with a few small differences. The basic plan (Complete) has medical insurance, medical evacuation to a hospital, baggage loss and delay. The mid-range plan (Plus) has the same coverage as basic but adds limited cancellation benefits and personal liability. Finally, the Premium plan includes the same benefits as Plus, slightly increased medical coverage and adds trivial legal liability.

All 3 policies are underwritten by Allianz, a quality insurer. Unfortunately, they supply weak coverage across the board. The benefits are in Euros, not US Dollars, and subject to currency exchange rate changes. In addition, they’re subject to the laws of Greece, not the United States. As a result, the program lacks stronger consumer protections required in the US. In addition, all three plans are wildly and needlessly confusing.

In this review of Celestyal Cruises travel insurance, we assess the 4 main parts of travel insurance: trip cancellation, trip interruption, medical insurance and medical evacuation. Then, we discuss the extra benefits that compensate you for baggage, delays and more. Finally, we compare the benefits and price of Celestyal cruise insurance to similar policies available on the American travel insurance marketplace, like AardvarkCompare.

Our Celestyal Cruises vacation: 7 Nights, 3 Continents

Celestyal-Cruises-Trip | AardvarkCompare.com
Celestyal-Cruises-Itinerary3 | AardvarkCompare.com

To compare options, we use a sample couple, ages 55 and 60 with a trip cost of $2,878 for a 7-night 3-continent cruise. The cost of travel insurance from Celestyal Cruises is:

Celestyal-Cruises-Quote | AardvarkCompare.com

Celestyal Cruises did not offer the Plus product for this booking.

The Complete plan for $94.40 seems interesting, but when we examined what the policy covered (or more importantly, what it didn’t cover), we find it’s a terrible deal. In addition, the Premium plan for $256 should be a high quality plan, but still lacks basic features of American travel insurance plans.

Alternatives to Celestyal Cruises travel insurance

We ran a quote for this trip at AardvarkCompare. When traveling outside the US, we recommend a minimum medical insurance limit of $100,000 and emergency medical evacuation limit of $250,000.

For this trip, the least expensive plan with this level of coverage is the Travel Insured International Worldwide Trip Protector at $147.

Celestyal-Cruises-Aardvark-WWTP | AardvarkCompare.com

We also compare Celestyal cruise travel insurance with Travel Insured International Worldwide Trip Protector Plus at $221 because it’s the least expensive plan that includes Cancel For Any Reason.

Celestyal-Cruises-Aardvark-WWPT-Plus | AardvarkCompare.com

Here’s how all 3 policies measure up:

Next, we recount the main features of travel insurance policies and compare Celestyal cruise insurance to travel insurance plans available in the American marketplace.

Pre-existing Medical Conditions

According to travel insurance policies issued by US companies, a Pre-existing Medical Condition is any treatment, test, medication change or new medication, or recommendation for any of these, within the 60-180 days prior to purchasing travel insurance. Older, stable conditions controlled with medication are covered.

However, if the traveler purchases the policy within 14-21 days of the Initial Trip Payment or Deposit, most policies cover Pre-existing Conditions for cancellation and medical treatment. This is known as a Pre-existing Condition Waiver.

In contrast, Celestyal Cruises travel insurance does not cover any Pre-existing Medical Condition for medical treatment or cancellation and offers no Waiver. Even more problematic, Celestyal Cruises trip insurance defines a Pre-existing Condition as:

Any serious or recurring medical condition which has been previously diagnosed

or been investigated or treated in any way, at any time prior to travel, even if this condition is currently considered to be stable and under control.

Yikes! That is a brutal and restrictive definition of Pre-existing Medical Condition and means just about everyone has a Pre-existing Condition. That clause alone is a red flag that the Celestyal cruise travel insurance doesn’t offer a fraction of the financial protection of American travel insurance policies.

The reason Pre-existing Medical Conditions are important, particularly for seniors, is that Celestyal Cruises travel insurance leaves massive gaps in coverage, exposing travelers to huge financial risks that can easily and affordably be covered.

Both Worldwide Trip Protector and Worldwide Trip Protector Plus cover Pre-existing Medical Conditions when the policy is purchased within 21 days of Initial Trip Deposit.

Celestyal-Cruises-Nefeli | AardvarkCompare.com

Trip Cancellation

Sometimes life surprises us and we don’t get to take the trips we plan. Trip Cancellation benefits allow you to cancel the trip and get a full refund for reasons named in the policy. Most often, cancellation is due to the injury, illness or death of a traveler or family member. This is included in every policy on AardvarkCompare.

However, Celestyal Cruises travel insurance is a bit different.

First, only the Plus and Premium plans allow cancellation. There are only two covered reasons for cancellation: injury, illness or death of the traveler; hospitalization or death of a family member.

Even worse, the plans restrict illness cancellation to travelers under age 75. As a result, any traveler age 75 or over is not eligible for illness-related cancellation. Important to note, Celestyal cruise “Complete” plan does not have cancellation coverage at all.

Also, Celestyal cruises defines Family Member as a spouse or minor children living at home. That definition is as narrow as possible. American travel insurance policies include extended family such as brothers, sisters, parents, grandparents, adult children and grandchildren, nieces, nephews, uncles, aunts, step-family and in-laws.

Second, the illness causing cancellation must be new. It doesn’t cover the injury or illness if it is a Pre-existing Medical Condition as defined by Celestyal Cruises.

American travel insurance has a Look Back Period. Any medical treatment, test, medication change or new medication that occured 60-180 days prior to purchasing travel insurance is not covered. However, it covers stable medical conditions older than the Look Back Period. Celestyal cruise travel insurance does not even allow that.

Third, American travel insurance includes cancellation for the following:

  • Unexpected injury or illness of a traveler
  • Hijacked, quarantined, jury duty, subpoena
  • Your home uninhabitable by fire, flood, or other natural disaster, vandalism
  • Documented theft of passports or visas
  • Employer requires transfer of 250 miles or more from home
  • Involved in a traffic accident en route to point of departure
  • Common carrier strike stopping service
  • Inclement weather
  • Delay due to mechanical breakdown of the aircraft
  • Military activation due to natural disaster
  • Terrorist incident within 30 days of departure date

This is a basic list; many policies have even more cancellation reasons.

Fourth, Celestyal trip insurance cancellation only refunds a maximum of 1,600 Euros (~1,780 USD) per person. American travel insurance policies permit up to $100,000 per person. In addition, they only refund the amount paid to the cruise line; not any other expenses you incur, such as airfare, hotels, car rental or rail passes.

Many policies cover even more circumstances than listed above. All in all, the Celestyal Cruises travel insurance plans fail miserably for trip cancellation.

Trip Interruption

While most seniors recognize the significance of cancellation protection, many don’t realize that trip interruption is just as important.

In the event you cannot continue the trip as planned, covered trip interruption reimburses you for the unused portion of the trip and, if appropriate, the added cost of going home early.

A few common reasons your trip might be interrupted:

  • You or your traveling companion has an unexpected injury or illness that prevents the continuation of travel
  • A family member experiences sudden grave illness or dies
  • Inclement weather or natural disaster makes your destination uninhabitable
  • Passport lost or stolen
  • Strike, hijacking, quarantine or terrorism
  • Your home is rendered uninhabitable by fire, flood, burglary or natural disaster

While American travel insurance covers 10-20 reasons for interruption, Celestyal Cruises permits only one: if your trip ends early due to the traveler’s covered illness or injury. Keep in mind, it won’t pay if interruption is due to a pre-existing illness or injury, and if age 75 or higher, illness (even if new) is not covered.

Celestyal-Cruises-Athens | AardvarkCompare.com

Cancel For Any Reason

If you must cancel for a reason not listed in the travel insurance policy, Cancel For Any Reason allows you to do just that and still get a cash refund. Celestyal Cruises does not offer Cancel For Any Reason, even as future cruise credit like many cruise lines do.

Cancel For Any Reason policies have a few rules:

  • Purchase within 14 days of initial trip deposit or payment
  • Insure 100% of prepaid, non-refundable trip costs
  • Cancel within 2 days of schedule departure date

When these conditions are met, the policy pays a 75% cash refund for your cancellation if it’s not already listed as a covered reason. Worldwide Trip Protector Plus provides Cancel For Any Reason as well as Interruption For Any Reason.

Medical Insurance

Many Americans incorrectly assume medical treatment is free for them in countries with universal healthcare. However, that is not true. Free healthcare is paid by the residents of that country, so they are entitled to use it–but not traveling Americans. Instead, Americans seek treatment at private hospitals which charge full price. A single overnight stay could cost $3,000 to $4,000. Treatments, surgeries and tests can quickly increase your medical bills.

If you depend on Medicare to pay medical bills, think again if you’re outside the US. Medicare does not pay providers outside the country. Some Medicare supplements pay a lifetime limit of $50,000 for emergencies only, but usually require an 80/20 co-insurance (meaning you pay 20% of the costs). This still leaves huge out-of-pocket expenses. Another point to consider, the US State Department does not pay for any medical treatment for Americans traveling abroad. So, you are on your own.

Because of these high, unexpected costs, AardvarkCompare recommends a minimum of $10,000 medical insurance cover per person.

Celestyal cruise insurance offers up to 150,000 Euros for medical treatment (which is approximately $167,000), but it’s an aggregate limit shared with emergency medical evacuation. Because that limit is not exclusive to medical treatment, it increases your risk of financial loss.

Both Worldwide Trip Protector and Worldwide Trip Protector Plus include $100,000 medical treatment per person. For those, emergency evacuation has a separate limit described next.

Celestyal-Cruises-Beach-Boats | AardvarkCompare.com

Emergency Medical Evacuation

If you had a stroke during your vacation, you’d need immediate emergency transport to the nearest hospital for treatment. In the event the facility cannot provide adequate care for your condition, you may need another transport to a properly staffed and equipped medical center.

After you’re treated and stable, you may need a medical jet equipped with a nursing staff or doctor to return you home. Medical jets can cost $15,000-$25,000 per hour. A trip back from Europe could take 6-10 hours depending how far you are from home.

All 3 of these situations are covered by American travel insurance Emergency Medical Evacuation. Because of the extremely high costs of medical transportation, we advise travelers to get at least $250,000 of medical evacuation benefits.

Unfortunately, Celestyal Cruises insurance isn’t even in the same realm. The Medical Evacuation amount is shared with Medical Insurance. Even if it were standalone, 150,000 Euros (~$167,000 USD) is not enough to get you home after a health catastrophe. Worldwide Trip Protector and Worldwide Trip Protector Plus each pay up to $1 million per person for Emergency Medical Evacuation.

Besides the poor amount of coverage, Celestyal Cruises travel insurance has a major flaw compared to American travel insurance: it only covers transportation to a hospital. It does not cover the cost of returning you home after a medical emergency. That is another aspect where American travel insurance policies like Travel Insured Worldwide Trip Protector put Celestyal cruise insurance to shame. If you relied on Celestyal travel insurance for Medical Insurance and Evacuation, you may never get home.

Baggage Loss & Delay

Baggage loss and delay reimburses you for your purchase of replacement clothing and personal items if a common carrier loses or delays bag delivery. (Remember to save your receipts!)

Worldwide Trip Protector and Worldwide Trip Protector Plus cover loss and delay separately, while Celestyal cruise trip insurance covers them together in an aggregate amount of 700 Euros (~$780 USD). Both Worldwide Trip Protector plans offer $1,000 of baggage insurance and $300 after 12 hours delay.

Missed Connection

Most travel insurance policies pay a missed connection benefit if your common carrier, such as airline, arrives so late that your cruise departs without you. In that case, the policy pays to catch you up to the cruise and cover hotel, meals, taxi and internet service up to the maximum amount stated on the policy.

The only similar benefit in Celestyal’s trip insurance is a maximum of 200 Euro (~$220 USD) to reschedule your flight if the Celestyal cruise ship returns late.

Travel Delay

Travel delays like airline delays can make travel miserable. If you’re delayed more than a specified amount of time by the airline, like 12 hours, travel delay reimburses you for the added cost of meals, local transportation, internet and if appropriate, a hotel room.

Every American travel insurance plan covers travel delays. Unfortunately, Celestyal Cruises cruise travel insurance provides no travel delay benefits whatsoever.

Single Supplement

All policies at AardvarkCompare provide a Single Supplement benefit. If your traveling companion cancels due to a covered reason, Single Supplement allows you to go on the trip without them. This benefit can cover the cost for change in occupancy rates for cruises and tours. As you might guess, Celestyal cruises travel insurance does not offer this feature.

Celestyal-Cruises-Slideshow | AardvarkCompare.com

Accidental Death & Dismemberment

While not in every policy, most travel insurance policies pay a lump sum if a traveler suffers dismemberment or accidental death during travel. Celestyal cruise insurance has no such benefit.

Price

Celestyal Cruises Premium travel insurance ($256) costs more than Worldwide Trip Protector ($197), but offers a fraction of the benefits. Policies like Worldwide Trip Protector provide comprehensive protection at a much lower price.

Moreover, Worldwide Trip Protector Plus ($221) includes Cancel For Any Reason and Primary Medical Insurance for more flexibility. Again, you enjoy heaps more benefits at a lower cost.

Free Look Period

Also, there is no free look period with Celestyal Cruises travel insurance. Most policies at AardvarkCompare offer a free look period, which allows you to cancel the insurance within the 10-14 days after purchase and get a full refund.

No such provision with Celestyal cruise insurance. Once you have it, you’re stuck with it.

Conclusion

Overall, Celestyal Cruises travel insurance policies are missing some crucial protection elements offered by American travel insurance plans. It leaves the traveler exposed to unnecessary financial risks and comes with a high price tag.

  • Plans are wildly and needlessly confusing and ambiguous
  • Substantial deficiency of coverage
    • Medical Insurance
    • Medical Evacuation
    • Cancellation reasons
    • Interruption reasons
  • Narrow and unforgiving definitions of Pre-existing Condition and Family Member
  • No Pre-existing Condition Waiver available
  • No illness protection for age 75+
  • Evacuation does not get you home after critical illness or injury; only to hospital
  • Does not cover travel arrangements made outside Celestyal Cruise
  • No free look period
  • No travel delay compensation
  • Lacks consumer protections required in the US

Given these points, it’s clear why we would not recommend this coverage for any American traveling with Celestyal Cruises. You will always find the best coverage for the best price at AardvarkCompare. Our online quote engine brings you real time quotes from the nation’s top travel insurance carriers. We guarantee no one else can sell the same coverages we offer at a lower price.

Safe Travels

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


Algeria Traveler Information – Travel Advice

Travel Advice with a Travel Advisory overview from the US State Department. Here we cover Visa, Safety & Security, local Laws 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 Algeria Traveler Information should help you make the most of your trip to Algeria.

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

Algeria-Travel-Health-Insurance
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