Cruise Insurance

[Shelia Woodson]

I bought the Carnival Protection Insurance for our cruise in October. We are seniors, do we need additional insurance for medical expenses!

[kefthecruiser]

The Carnival Vacation Protection Plan includes medical (up to $10,000) and emergency evacuation coverage.

See https://www.carnival.com/about-carnival/vacation-protection if this is what you bought.

As I recall, the Plan reimburses expenses, so you need to pay the provider at time of service. Also, as Seniors, you likely already know, if you have Medicare here, it does not typically cover claims outside the USA.  (Medicare Advantage may be different, refer to your provider.)

[3Sisters]

@Shelia Woodson That's pretty good coverage in case of an emergency. If you are getting a clear bill of health to cruise from your doctor, I wouldn't think you need anything more than that. It's protection in the event of an emergency anyhow. How long is your cruise itinerary? If you were going out of the country for more than I week I would reconsider my statement, but otherwise I would think the basic Carnival Vacation Protection Plan is enough. Have you cruised without this insurance before? I have yet to cruise with the insurance actually but as a senior you I think it's a wise decision to travel with backup coverage.