answersLogoWhite

0


Best Answer

Actually, anyone you purchase insurance from is going to make money on it. Neither the cruise line nor the travel agent charge extra commission on top of the cost of insurance. The insurance company writes the insurance for a set amount. They pay commission from that amount back to the retailer or cruise line. Additionally, one insurance company may have many different prices for the exact same policy, depending upon who they are writing the insurance for. The cruise line and the agent are, in most cases, selling a product like TravelGuard, TripMate, Travelex or Access America, among others. Check out all three options (cruise line, agent and insurer) and go with the most coverage for the least expensive price. Prices fluctuate all the time. This time your agent may have the best price. Next time it might be the cruise line or the insurer. Just be sure to check reimbursement method. Some travel providers (cruise lines, tour companies) only reimburse through future travel credit. Bon Voyage! * Neither. They both charge a commission.

Commission is a built in part of all Travel Insurance premium. If you go directly to the company, they save the portion of the premium that would have been paid in commission, not you! The best place to buy insurance is from an online travel insurance comparison site. Most consumer advocates will tell you not to buy directly from the cruise line due to the fact that certain restrictions apply if you do. Not every company has the same coverage. Check carefully. A competent travel agency generally works with multiple travel insurance companies and can provide a comparison for you. In most cases third party coverage is cheaper than the cruise lines and provides better coverage. If you are concerned that the cruise line might go out of business, be sure to get insurance from a 3rd party. If the cruise line goes out of business, so does their insurance, and then you are stuck.

User Avatar

Wiki User

14y ago
This answer is:
User Avatar

Add your answer:

Earn +20 pts
Q: Should you buy travel insurance for a cruise through the cruise line or your travel agent?
Write your answer...
Submit
Still have questions?
magnify glass
imp
Related questions

Why You Should Have Travel Health Insurance?

When traveling to another country for vacation, purchase travel health insurance so that you can see a doctor if you were to get sick. If you are on a cruise or visiting a country that you have never been to, the travel health insurance will allow you to see a doctor who can treat you if you become sick. Travel insurance can be purchased through the travel agency you use or through your auto insurance agency.


Where to find information on cruise insurance?

No you do not need insurance to go on a cruise just like how you don't need insurance to go on a flight. Travel insurance can be bought at many travel agencies and it should cover lost luggage as well as physical harm during the cruise.


Should I invest in travel insurance for a cruise?

Because this cruise vacation is being purchased as a surprise, travel insurance is advisable. There is a chance your parents may already have plans and cannot go on the cruise, in which case you'd have to pay fines and cancellation fees without the insurance.


Does normal travel insurance cover a cruise holiday?

No. You need specific travel insurance for that. Follow the link below for holiday insurance for a cruise holiday.


Where can I find cruise insurance?

Some travelers like to be insured when they are on a cruise, or other travel. Here is a site that offers travel insurance options for these people: http://www.travelguard.com/travelinsurance/cruise.asp


Does cruise insurance cost a lot?

Cruise insurance typically does not cost much money. The benefits are great because they reimburse the expenses of your travel in the event of a storm, an unexpected family or travel crisis/cancellation.


Where on the web could I purchase travel insurance?

That would depend on the kind of travel you are embarking on since flight insurance and cruise insurance are different. Most companies that provide travel will direct you to a reputable site that offers such insurance.


What sort of policies does Coop Travel Insurance offer?

Coop Travel Insurance offers many different varieties of travel insurance for sailing, skiing, cruise, and flights. This company has extremely competitive rates.


Where can I purchase cruise insurance from?

You can purchase travel insurance from some banks. RBC offers travel insurance. Another credible company that specializes in this area is Allianz Global Risks US Insurance Company.


Where can one buy a ticket for the cruise in Mexico?

One can buy a ticket for a cruise in Mexico by visiting a travel agent. A travel agent will be able to book a cruise, purchase insurance and provide great information about vacations.


Why should one get a travel car insurance?

Travel car insurance, more commonly referred to as rental car insurance, covers the costs if a rental car is damaged or stolen. One should purchase this insurance if they do not already have coverage through their own personal car insurance policy or through the credit card they are using to rent the car.


Where can I get cheap holiday insurance?

If you have planned your trip through a travel agent you should be able to get insurance through them. If not check out travelfuntips.com/cheap-holiday-insurance which has useful tips and information for travelers.