Should I Buy Viking River Cruises Travel Insurance

Q – We're sitting here reading the Viking brochure we had to download considering our amanuensis didn't have whatsoever. We've asked about insurance and she told us that Viking has a abolish for any reason policy since nosotros took out their insurance at the same time we just made our deposit. Did we make a mistake? I am sure that a lot of people who come to this site have insurance questions and then anything yous could explicate in plain English language would really exist appreciated.

A –  River cruise line insurance is generally sold atf 8-10% of the total trip cost. It  is flat-rate insurance so the premium is an average cost of all coverage. That ways information technology is not age-based so if you are in your fifties, yous are paying a premium influenced by the insurance cost of guests in their eighties.

Viking River's cancel for whatsoever reason policy ways that if you take out the policy inside 14 days of giving your TA your deposit, you tin can essentially abolish your cruise for any reason. The penalization of your counterfoil will nonetheless be charged but yous volition receive a voucher for the cancellation fee amount – and here's the tricky part so get ready   – in the form of a voucher for a future Viking trip with date restrictions etc. You lot are not getting cash only a voucher for a future trip with Viking.

This is underwritten by Viking and has nix to exercise with its normal insurance benefits which are unwritten by Arch Company, in Jersey Metropolis, New Bailiwick of jersey. The programme is administered by Trip Mate, which is headquartered in Kansas Metropolis. They are a prominent insurance agency in the travel field.

Only there are other rules and some exceptions based on state law. The signal to remember is that your travel consultant should exist able to knowledgeably recommend the all-time insurance based on your specific historic period and health profile. If your amanuensis is not well versed on this subject field look for someone who is. This is much more important than selling you a trip.

There are a lot of online shills in chat rooms promoting online insurance brokers who supposedly compare all sorts of policies to find the cheapest. That is a sucker bet. In fact, yous generally should non purchase anything just 1 of the more expensive policies available. What we expect for is the medical evacuation provision. In general you lot want at to the lowest degree $200,000 worth of coverage. Accidental death and dismemberment should be adequate, await for at least $100,000 of coverage.

Finally, what no i always tells you lot is that many of the summit consultants sell so much travel insurance that they have an ongoing personal relationship with the insurance company and its claim adjusters. Work with someone who can make that call. We feel that Viking's coverage is inadequate but we don't know your age or medical contour and so our opinion as to the wisdom of your purchase is not really important. At that place are hundreds (non thousands) of top-tier river gunkhole consultants in the U.s. perfectly capable of providing the level of counseling the smart consumer really needs. If you don't have one, discover i. Insurance is a very serious subject.

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