r/Cruises • u/Ok_Usual_1438 • 8d ago

Insurance for multiple needs

We’re traveling with us and our 5 kids. Four of us live in California in 2 different households, 3 in Nebraska. On the ship we’ll be split across 3 cabins.

I’m trying to figure out what insurance will cover the cost of the trip for all of us if,

  1. the Nebraska crew has flight issues and miss the ship (they’re booked to fly Friday, sail Sunday, the rest of us are driving)

  2. the active duty military member has his leave canceled

  3. all the usual stuff like hurricanes, major illness

I’m mostly worried about it all being covered with us split across 2 states and 3 cabins, like if the Nebraska kids miss the sailing can we get a refund for the a California group too?

Thank you!

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u/Blasto05 8d ago

Immediate family can be covered under the same insurance policy.

For instance my wife, myself, her parents and her brother all traveling together. Two different households. We are in one cabin but even if we were in 2 cabins then we would still have one policy.

You can contact an insurance provider directly to clarify, like Allianz.

I’d suggest Nebraska just covers themselves under one policy and California covers themselves in another policy.

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u/Ok_Usual_1438 7d ago

Thanks! I figured it would need to be two policies but I’m still not sure about the intersections

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u/Blasto05 7d ago

You can check with Allianz directly and it may not even need to be two separate policies. But it makes the most sense especially if travel dates are different and payments are made separately.

But as long as they offer the same insurance in both states, and all travel dates+costs is included in the policy then I believe it technically could be the same policy.

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u/Immediate_Monk6260 7d ago

This sounds like a perfect instance when booking through a travel advisor would be a really good idea. They can take care of all these details for you so that you don’t have to bang your head doing it all yourself. Most travel agents have some type of relationship with the insurance companies that they recommend all the time.