royal caribbean travel protection details

Is Royal Caribbean Travel Protection Worth It? A Comprehensive Review

by Judith Eve | Oct 19, 2023 | Cruise Planning & Cruiser Lifestyle

When booking a cruise, travelers are often offered the option to purchase travel protection plans. These plans can provide coverage for a variety of unexpected occurrences, such as trip cancellations, medical emergencies, and lost luggage. Royal Caribbean is one of several cruise lines that offer their own vacation protection plan, but the question remains: is Royal Caribbean travel protection worth it?

The Royal Caribbean Vacation Protection Plan is an optional supplement to a traveler's cruise booking. It provides coverage for trip cancellations, trip interruptions, and medical emergencies, among other things. However, the plan comes with an additional cost, which can vary depending on the length and cost of the cruise. With this in mind, travelers may wonder whether the benefits of the plan are worth the added expense .

To determine whether Royal Caribbean travel protection is worth it, travelers should consider a variety of factors, such as their overall health, the likelihood of trip cancellations or interruptions, and the cost of the trip. By weighing the potential benefits of the plan against its cost, travelers can make an informed decision about whether to purchase the plan or not.

Understanding Royal Caribbean Travel Protection

Royal Caribbean offers travel insurance through its own Royal Caribbean Travel Protection program. The program provides coverage for medical expenses, emergency medical evacuation, trip cancellation, trip interruption, trip delay, baggage protection, and more. The exact coverage and benefits vary depending on the plan you choose.

The Royal Caribbean Travel Protection program provides peace of mind for travelers, especially in case of unforeseen events. It is designed to protect travelers from non-refundable expenses, cancellation penalties, and other issues that may arise before or during a trip.

The coverage provided by the program is subject to certain restrictions and limitations. For example, the coverage limits for medical expenses, trip cancellation, and trip interruption vary depending on the plan you choose. It is important to carefully review the fine print of the travel insurance policy to understand the specific coverage and limitations.

The Royal Caribbean Travel Protection program offers several plans, including a Cancel for Any Reason coverage, which allows travelers to cancel their trip for any reason and receive a refund or credit for the unused portion of their prepaid cruise vacation. However, this coverage is subject to certain restrictions and limitations, including a final payment date and a cancellation penalty waiver.

It is important to note that the Royal Caribbean Travel Protection program does not cover pre-existing medical conditions, unless the traveler purchases the coverage within a certain period of time after making the initial trip deposit. The program also does not cover non-refundable expenses, such as cancellation penalties, unless the traveler cancels for a covered reason.

In case of problems or emergencies during the trip, travelers can contact the Royal Caribbean Travel Protection program support team by phone or email for assistance. The program also provides documentation and support to help travelers navigate the cruise ticket contract and liability issues.

Overall, the Royal Caribbean Travel Protection program can provide valuable coverage and peace of mind for travelers. However, it is important to carefully review the coverage and limitations of the program, and to understand the specific coverage and limitations of the plan you choose.

Comparing with Other Insurance Providers

When deciding whether to purchase Royal Caribbean Travel Protection, it's important to consider other insurance providers as well. Third-party insurance providers, such as InsureMyTrip, offer travel insurance plans that may be more affordable and customizable compared to Royal Caribbean's plan.

InsureMyTrip offers plans from multiple insurance companies, including Allianz and Aon. These plans may offer similar coverage to Royal Caribbean Travel Protection, such as trip cancellation and interruption, medical coverage, and baggage protection. However, the cost and coverage limits may vary depending on the specific plan and insurance company.

Another option to consider is GeoBlue, which specializes in international travel insurance. Their plans offer comprehensive medical coverage, emergency medical evacuation, and 24/7 assistance services. However, their plans may not include trip cancellation or interruption coverage.

Ultimately, the decision to purchase travel insurance from Royal Caribbean or a third-party provider depends on individual preferences and needs. It's important to carefully review the coverage and cost of each plan before making a decision.

Assessing the Worth of Royal Caribbean Travel Protection

Royal Caribbean offers travel protection plans that can provide peace of mind for travelers who want to protect their investment in their upcoming cruise vacation. The plans offer a range of benefits, including medical coverage, trip cancellation and interruption coverage, and baggage protection.

One of the key benefits of Royal Caribbean travel protection is the ability to cancel for any reason and receive a refund or credit for the unused portion of the prepaid cruise vacation. This can be especially valuable for travelers who may need to cancel their trip due to unforeseen circumstances, such as illness or severe weather.

It is important to note that the coverage limits and terms of the Royal Caribbean vacation protection plan are outlined in the fine print of the cruise ticket contract. Travelers should carefully review the documentation to understand what is covered and what is not.

In addition to the Royal Caribbean vacation protection plan, there are other travel insurance policies available from companies such as Allianz that can provide additional coverage for medical expenses, emergency evacuation, and other problems that may arise during a cruise vacation.

When assessing the worth of Royal Caribbean travel protection, travelers should consider their specific needs and the potential risks associated with their trip. They should also take into account the cost of the plan and whether it provides sufficient coverage for their trip costs and destination.

Overall, Royal Caribbean travel protection can provide valuable coverage and peace of mind for travelers who want to protect their investment in their upcoming cruise vacation. However, it is important to carefully review the terms and conditions of the plan and consider other insurance options to ensure that you have the coverage you need.

In conclusion, whether or not Royal Caribbean travel protection is worth it depends on the individual's needs and preferences. While it may be more expensive than other travel insurance options, it offers extensive coverage for various foreseen events, such as trip cancellations, interruptions, and emergency evacuations. Additionally, it provides medical insurance coverage, which can be crucial in case of an unexpected illness or injury while on vacation.

However, travelers should carefully read the policy's terms and conditions to understand what is covered and what is not. It is also important to note that some benefits may have limitations or exclusions, and coverage may vary depending on the plan chosen.

Overall, Royal Caribbean travel protection may be a good option for those who want peace of mind and comprehensive coverage for their cruise vacation. Still, it is essential to compare it with other travel insurance options and choose the one that best suits individual needs and budget .

Judith Eve, loves to write riveting articles on crusingtonpost.com. She hails from the sun-kissed regions of South Florida, residing within a stone’s throw of the bustling Fort Lauderdale and Miami cruise ports. As a native Floridian, Judith’s love for the ocean and cruising extends as far back as her memory can recall.

Her lifelong passion for travel has taken her to countless destinations around the globe, but cruising, undeniably, holds a special place in her heart. Judith has embraced the elegance of luxury liners, relished the intimacy of boutique ships, and marveled at the innovation found on the newest megaships. This varied experience makes her a well-rounded and knowledgeable commentator on everything cruise-related.

Balancing her writing career and family life with effortless grace, Judith is happily married, mother to two wonderful children, and a doting grandmother to three grandkids. Much like Judith, her family shares her enthusiasm for the sea, often accompanying her on cruise adventures and enriching her articles with their unique perspectives.

Her work for crusingtonpost.com provides readers with insightful, engaging narratives of her travels, from vivid descriptions of the picturesque locales she visits to in-depth reviews of the cruise lines she travels with. Her writing is not only an exploration of travel and cruising; it is a testament to her zest for life, her commitment to family, and her love for the ocean.

Endearing herself to readers with her warm, personable writing style, Judith has become a trusted voice in the cruising community. She is the go-to source for tips, advice, and comprehensive information on cruising. As a tireless explorer and devoted family woman, Judith Eve embodies the essence of the adventurous spirit, inspiring readers to set sail and create their own sea stories.

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Royal Caribbean Travel Protection Program

Enjoy some peace of mind, no matter what life throws your way. Royal Caribbean Travel Protection may help protect you before, during and after your voyage with cancellation and interruption benefits, sickness and accident medical services, and baggage protection.

**Prices subject to change.

The Royal Caribbean Travel Protection Program The Cancellation Penalty Waiver and Cruise Vacation Cancellation Enhancement Program - non-insurance features provided by Royal Caribbean

• Cancellation Penalty Waiver*: up to 100% of cash back for Royal Caribbean cancellation fees if you cancel for a specified reason
• Cancel For Any Reason Cruise Vacation Enhancement: up to 90% of Royal Caribbean cancellation fees in the form of a future cruise credit if you cancel for any other reason

*Notice to New York residents only: The Cancellation Penalty Waiver is not available in New York. Instead, Trip Cancellation benefits are underwritten by Arch Insurance Company. In addition, the Cancel for Any Reason Cruise Vacation Enhancement can be purchased separate from the Travel Insurance Benefits. Contact Aon Affinity at 1-888-722-2195.   Travel insurance benefits underwritten by Arch Insurance Company

• Trip Interruption: up to 150% of total trip cost if you can't start or finish your cruise vacation because you're sick or hurt, there's a death in the family or another covered reason
• Trip Delay: up to $2,000 ($250/day) for catch-up expenses if you're delayed for 3 or more hours
• Missed Connection:  up to $300 if you miss your trip departure for covered reasons by 3 or more hours
• Accident Medical: up to $25,000 if you get hurt on your cruise vacation
• Sickness Medical: up to $25,000 if you get sick on your cruise vacation
• Emergency Medical Evacuation: up to $50,000 if you need emergency medical transportation
• Baggage Protection: up to $1,500 if your bags are lost, stolen, or damaged
• Bag Delay: up to $500 to buy necessary personal items if your bags are delayed
• CareFree Travel Assistance™
• Medical Assistance
• Emergency Services

The Royal Caribbean Travel Protection Program is not in effect until the plan cost has been received by Royal Caribbean, in addition to any cruise deposits/payments due.

This is not a complete description of all benefits and limitations. For full terms and conditions of coverage, ask your Vacations To Go cruise counselor. Prices, terms and conditions listed in this summary are subject to change without notice and need to be reconfirmed with your Vacations To Go cruise counselor at the time of booking. If you book a Royal Caribbean cruise, you can purchase insurance from Royal Caribbean or from the independent insurance provider, Generali Global Assistance (formerly CSA Travel Protection).  Click here  to see details of the Go Plan from Generali Global Assistance. 

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Comprehensive Royal Caribbean Travel Protection: Cost, Coverage, and Benefits – Ensure Peace of Mind for Your RCCL Vacation

Travel Insurance

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Picture this: you’re planning your dream vacation aboard a Royal Caribbean cruise. You’ve picked out your itinerary, your excursions, and what activities you want to do onboard. But there’s one thing left to consider: what happens if your plans fall through? No one likes the idea of cancelling a trip, but unforeseen circumstances can arise. That’s where Royal Caribbean’s Travel Protection program comes in. In this blog post, we’ll explore what the program entails, the cost, and whether it’s worth it for your peace of mind and financial security. So, let’s dive into the details of Royal Caribbean’s protection plans and how they can benefit you.

Table of Contents

1. Royal Caribbean Travel Protection Cost

Royal Caribbean Travel Protection Cost: Honest Reviews

When planning a vacation, buying travel insurance can be a smart choice that provides peace of mind. The Royal Caribbean Travel Protection Program offers coverage for trip cancellation, interruption, emergency medical and dental expenses, baggage loss or delay, and more. But is it worth the cost?

The price of the Royal Caribbean Travel Protection Plan varies depending on the total cost of your cruise and the level of coverage you choose. For example, a cruise that costs $1,500 per person can have a travel protection plan that costs $119 per person for standard coverage, or $199 per person for the higher “Cancel for Any Reason” option.

The cost of the Royal Caribbean Travel Protection Plan may seem steep, but it can be worth it if you consider the potential financial losses. If you have to cancel your trip due to a covered reason, such as illness or injury, the travel protection plan can reimburse you for the non-refundable expenses you’ve already paid for, such as airfare and hotel stays.

One downside of the Royal Caribbean Travel Protection Plan is that it doesn’t cover pre-existing medical conditions unless you purchase the plan within a certain number of days after your initial deposit. Additionally, the “Cancel for Any Reason” option only reimburses up to 75% of the cruise fare.

When comparing the Royal Caribbean Travel Protection Plan to other travel insurance options, it’s essential to read the fine print and compare the benefits and exclusions. Some credit cards, for example, offer primary rental car coverage, eliminating the need for car rental insurance.

Overall, the Royal Caribbean Travel Protection Plan can be a good investment for peace of mind and financial protection. However, it’s crucial to understand the coverage details and compare it to other insurance options to decide whether it’s worth the cost for your needs.

2. RCCL Vacation Protection Plan

Travelling is an exciting experience, but it can also be stressful. Uncertainties in life can disrupt even the most well-planned vacation. Royal Caribbean, one of the most trusted names in the cruise industry, offers its own version of travel insurance- the RCCL Vacation Protection Plan. This plan is designed to give passengers peace of mind and security in case of any unforeseen circumstances during their vacation.

The RCCL Vacation Protection Plan offers different levels of coverage, including trip cancellation/interruption insurance, medical coverage, emergency medical transportation, baggage protection, and travel accident protection. The cost of the plan is based on the total amount of your trip, and the coverage level you choose. The average cost for the plan is around 7% to 10% of the total trip cost. The plan can be purchased up to 30 days before the departure date.

The RCCL Vacation Protection Plan’s primary advantage is its inclusive coverage. The trip cancellation/interruption insurance offers protection in case of emergencies or unforeseen events that can cause trip cancellation or interruption. Medical coverage pays for medical treatment such as hospitalization and doctor visits. The plan also covers emergency medical transportation, providing assistance to travelers who require medical attention while on vacation. The baggage protection covers the loss, theft, and damage of luggage and personal items. Travel accident protection offers coverage for accidental injuries and death.

While the cost of the plan may seem steep, it is a reasonable investment considering the uncertainties that could arise during a vacation. The coverage provided by the RCCL Vacation Protection Plan is specifically designed to protect travelers from unexpected occurrences that can disrupt their trip or cause financial loss. It gives passengers peace of mind to know that they are covered in the event of any emergency. Overall, the RCCL Vacation Protection Plan is worth considering when planning your next cruise vacation.

3. Canceling Royal Caribbean Cruise with Insurance

When it comes to traveling, canceling a trip can be a stressful and expensive situation. That’s why having travel insurance can give peace of mind and financial protection. Royal Caribbean offers a travel protection program for their customers to purchase. This plan can reimburse customers for non-refundable expenses if they have to cancel their trip for a covered reason, such as injury or illness.

The cost of Royal Caribbean’s travel protection plan varies based on the price of the trip and the age of the traveler. It typically ranges from $49 to $149 per person. While this may seem like an added expense, it can save a lot of money if something unexpected comes up. However, it’s important to note that not all reasons for canceling are covered, such as changing your mind about the trip or missing the ship due to your own negligence.

In addition to cancellation coverage, Royal Caribbean’s plan also includes benefits such as emergency medical and dental coverage, baggage protection, trip interruption coverage, and 24/7 emergency assistance. However, it’s important to carefully read the terms and conditions of the plan to understand what is and isn’t covered.

While having travel insurance can provide a safety net, some travelers may wonder if it’s truly worth the cost. It ultimately depends on the individual and their specific circumstances. If you’re booking a costly vacation with non-refundable expenses and have concerns about canceling, then purchasing travel insurance could be a smart investment. On the other hand, if you’re booking a less expensive trip and have flexibility with your travel plans, you may not need to purchase insurance at all.

Overall, Royal Caribbean’s travel protection plan can provide valuable coverage for travelers who are worried about canceling their trip. It’s important to carefully consider the cost and benefits of the plan before making a decision to purchase. Whether or not you choose to purchase travel insurance, it’s always a good idea to have a plan in place for unexpected situations that may arise during your travels.

4. Royal Caribbean Travel Protection Insurance

Royal Caribbean is a popular cruise line that offers travel protection insurance to its customers. The Royal Caribbean Travel Protection Insurance provides coverage for trip cancellation, interruption, delay and baggage loss, among other things. The cost of the insurance varies based on several factors, such as the length of the trip and the number of travelers. The insurance can be purchased online during the booking process or added later by contacting customer service. While the price of the insurance may seem steep, it can provide peace of mind and financial protection in case of unforeseen circumstances.

One of the advantages of the Royal Caribbean Travel Protection Insurance is that it can cover a wide range of scenarios. For instance, if a traveler falls ill and cannot embark on their cruise, the insurance can offer reimbursement for non-refundable trip costs. Additionally, if a traveler has to interrupt their trip due to an emergency or unforeseen circumstance, the insurance can reimburse them for the unused portion of the trip. Importantly, the insurance can also provide medical coverage in case of an accident or illness during the trip. For these reasons, purchasing the Royal Caribbean Travel Protection Insurance can be a smart investment for those who want to travel with peace of mind.

However, it is important to note that the insurance may not cover every situation. For example, if a traveler cancels their trip due to a pre-existing medical condition, the insurance may not offer coverage. Additionally, the insurance may not cover cancellations or interruptions due to natural disasters or political unrest. As such, it is essential to read the policy carefully and understand the limitations of the coverage before purchasing the insurance.

Ultimately, whether or not the Royal Caribbean Travel Protection Insurance is worth the cost depends on the individual traveler’s circumstances and risk tolerance. Travelers who are concerned about unforeseen events or who are planning an expensive trip may find that the insurance provides valuable protection. On the other hand, those who are comfortable taking on more risk and who have flexible travel plans may opt to forego the insurance. In any case, it is important to carefully consider one’s options and make an informed decision when it comes to travel insurance.

5. Royal Caribbean Protection Plan

Royal Caribbean Protection Plan is a travel insurance program offered by the cruise line. The cost of this program varies based on the vacation package selected and the traveler’s age. The program is known for offering several benefits, including trip cancellation, trip interruption, trip delay, emergency medical and dental, emergency medical evacuation and repatriation, and baggage and personal effects coverage. These benefits typically are not covered by most health insurance plans.

However, the decision to purchase the Royal Caribbean Protection Plan may depend on the traveler’s preferences and needs. Some vacation packages may already include certain insurance coverage, which can make buying additional insurance unnecessary. Furthermore, some travelers may have health insurance plans that offer international coverage or the coverage they need for their trip. Overall, the Royal Caribbean Protection Plan can provide peace of mind while traveling, but it is up to the individual to determine whether it is worth the cost.

Another important aspect to consider is the plan’s cancellation policy. The Royal Caribbean Protection Plan typically allows travelers to cancel their trip for any reason, with reimbursement up to 75% of the non-refundable trip cost. However, there may be limitations and exclusions to this coverage. For example, the cancellation must be made before the trip departure date, and some circumstances, such as pre-existing medical conditions, may not be covered.

Travelers who have purchased the Royal Caribbean Protection Plan and need to make a claim can contact the plan’s insurance provider to request assistance. In some cases, the insurance provider may require documentation or proof of loss, such as medical bills or receipts. It is important to note that the Royal Caribbean Protection Plan is not a guarantee of coverage and that the insurance provider makes all final determinations on claims.

In summary, the Royal Caribbean Protection Plan can provide valuable insurance coverage for travelers who want to protect their vacation investment. The plan can help cover expenses related to cancellations, medical emergencies, and other unforeseen circumstances. However, travelers should carefully review the plan details and assess their own needs before making the decision to purchase it. In addition, they should be aware of the plan’s limitations and exclusions to fully understand the extent of their coverage.

6. The Royal Caribbean Travel Protection Program

The Caribbean Travel Protection Program is an insurance product offered to passengers who have booked a cruise with Royal Caribbean. This program provides coverage for trip cancellations, trip interruptions, medical emergencies, baggage loss and delay, and more. Travelers can opt for one of the three plans based on their needs and budget: the basic plan, the essential plan, and the deluxe plan.

The basic plan is the most affordable option and offers limited coverage. It includes trip cancellation and interruption coverage, medical expense coverage, and emergency medical evacuation coverage. However, it does not cover pre-existing medical conditions, trip delays, or baggage loss or damage.

The essential plan is the mid-tier option and provides more comprehensive coverage than the basic plan. Along with trip cancellation and interruption coverage, medical expense coverage, and emergency medical evacuation coverage, it also covers pre-existing medical conditions and trip delays. Additionally, it provides baggage loss or damage coverage and has higher coverage limits compared to the basic plan.

The deluxe plan is the most expensive option and provides the most comprehensive coverage. It includes all the benefits of the essential plan plus accidental death and dismemberment coverage, trip interruption for any reason coverage, and up to $500 in sports equipment rental coverage. It also has the highest limits on coverage and provides a cancel for any reason benefit.

One important thing to note is that the Royal Caribbean Travel Protection Program only offers coverage for certain situations. For example, it does not cover cancellations due to work-related reasons or changes in personal circumstances. It also does not cover losses or damages caused by the passenger’s own negligence or illegal actions.

In terms of pricing, the cost of the Royal Caribbean Travel Protection Program varies based on the plan chosen and the cost of the cruise. Generally, the basic plan costs around 5% of the total trip cost, the essential plan costs around 7-9% of the total trip cost, and the deluxe plan costs around 10% of the total trip cost.

Overall, the Royal Caribbean Travel Protection Program can provide peace of mind for travelers and protect them from unexpected expenses and situations. However, it is important for passengers to carefully review the coverage and limitations of each plan before purchasing to ensure they are getting the best value for the premium paid.

7. RCCL Travel Protection

RC Travel Protection is an optional insurance plan offered by Royal Caribbean for its cruise passengers. The plan covers trip cancellation, trip interruption, and other travel type expenses. The cost of the plan varies depending on the price and duration of the cruise, as well as the age of the travelers. Royal Caribbean’s website provides a chart that lists the exact cost of the plan based on these factors. The plan can be added to the booking at any time but must be purchased before the final payment date.

The plan offers trip cancellation coverage for reasons such as illness, injury, or death of a family member, and weather-related issues. Additionally, it includes trip interruption coverage for reasons such as illness or injury and covers the extra expenses incurred by the traveler due to a trip delay or a missed connection. The plan also includes coverage for medical expenses incurred during the trip, up to a certain limit, and emergency medical transportation. Additionally, the plan offers baggage protection, which covers the cost of lost or stolen baggage and other personal belongings.

While the RCCL Travel Protection plan does provide many benefits for the traveler, it may not be necessary for everyone. Some travelers may already have coverage through their credit card or other insurance policies. Additionally, the cost of the plan can add up, especially for longer and more expensive cruises. However, for travelers who are concerned about potential travel-related mishaps, the peace of mind provided by the plan may be worth the additional expense.

In the event that a traveler needs to cancel their cruise and has purchased the RCCL Travel Protection plan, they can file a claim for reimbursement of any eligible expenses. The claims process can be completed online or over the phone, and the traveler will need to provide documentation to support their claim. The claim will then be reviewed by the insurance company, and a decision will be made regarding reimbursement.

Overall, the RCCL Travel Protection plan can be a valuable option for travelers who want additional coverage and peace of mind during their cruise. While the plan does come at an additional cost, it may be worth it for those who want to protect themselves against potential travel-related issues. However, travelers should carefully consider their individual needs and consult with their insurance provider before purchasing the plan.

8. Royal Caribbean Insurance Coverage

Royal Caribbean Cruise Line offers a Travel Protection Program to its passengers. The program is designed to give travelers peace of mind by providing a range of coverage options. The cost of the program varies depending on the length of the cruise and the type of package selected. For example, a seven-night cruise may cost around $100-$150 per person. However, it is important to note that the program does not cover pre-existing medical conditions or any conditions that occur after the final payment for the trip has been made.

The Royal Caribbean Travel Protection Program includes coverage for trip cancellation and trip interruption. The plan will reimburse passengers for non-refundable prepaid trip costs in case of unforeseen events such as illness, injury, or death of a traveler, or a family member. Coverage is also provided for trip interruption if a traveler needs to return home due to an unexpected event such as illness or injury. The program also covers trip delay, missed connection, and emergency medical and dental expenses.

Passengers who purchase the Royal Caribbean Travel Protection Program have access to a 24-hour emergency hotline for assistance with medical and travel-related issues. Additionally, the program provides coverage for lost, stolen, or damaged baggage, as well as travel accident insurance. However, it is important for travelers to carefully review the policy to understand its limitations and exclusions.

Overall, the Royal Caribbean Travel Protection Program can provide valuable protection for cruise passengers. However, travelers should weigh the cost of the program against their individual needs and risk tolerance. For those who are concerned about unexpected events causing financial loss, the program may be worth the investment. It is also important for travelers to read the fine print and understand what is and is not covered by the policy.

9. Royal Caribbean Travel Protection Price

Royal Caribbean is a well-known cruise line with many loyal customers. However, accidents and unforeseeable circumstances can happen, which is why the cruise line offers the Royal Caribbean Travel Protection Program. This program provides travelers with a sense of security and peace of mind while on vacation.

When it comes to selecting the right travel protection plan, price is often a significant factor. In terms of Royal Caribbean’s Travel Protection Program, the cost varies based on several factors, such as the length of the trip and the total cost of the vacation package. On average, the cost is typically between 7-10% of the total cost of the trip.

Some may question whether or not the cost of the program is worth it. The answer to that question depends on the individual traveler’s needs and preferences. For those who prioritize peace of mind, the cost may be worth it. The Travel Protection Program offers reimbursement for medical expenses, trip cancellations or interruptions, and baggage loss or delay. For those who may face unexpected financial setbacks, this program could potentially save a significant amount of money in the long run.

It’s important to note that the Travel Protection Program does have its limitations and exclusions. It’s essential to review the terms and conditions of the program to understand the exact coverage and limitations. Travelers should also consider any pre-existing medical conditions, as they may not be covered under the program.

Overall, the Royal Caribbean Travel Protection Program is an option for travelers who want additional peace of mind while on vacation. The cost may be a factor for some, but for those who prioritize security and are willing to pay for it, the program may be worth it. It’s important to thoroughly review the terms and conditions of the program to fully understand the coverage and exclusions.

10. Royal Caribbean Cruise Line Insurance

Royal Caribbean Cruise Line Insurance provides coverage for unexpected events that may occur before, during or after a trip. The insurance coverage is offered to protect travelers against trip cancellation or interruption, medical emergencies, lost or delayed baggage, and other potential risks. The insurance plan is offered through Aon Affinity Travel Practice and is available for purchase when booking a cruise. The cost depends on the number of travelers and the length of the trip, but it is generally affordable and can provide peace of mind for travelers.

Travelers who purchase Royal Caribbean Cruise Line Insurance can cancel their trip for covered reasons and receive a full refund of the trip cost. Covered reasons include illness, injury, weather, and other unforeseen events. In addition, if travelers need to interrupt their trip due to a covered reason, such as a family emergency or health issue, they can be reimbursed for the unused portion of their trip. This type of coverage can be especially valuable for travelers who are planning a costly or lengthy cruise.

Another important benefit of Royal Caribbean Cruise Line Insurance is the medical coverage it offers. If a traveler becomes ill or injured during the trip, the insurance can cover medical expenses and emergency medical evacuation. This can be crucial for travelers who are visiting unfamiliar places where healthcare may be expensive or difficult to access. Additionally, the insurance can provide coverage for lost or delayed baggage, travel delays or missed connections, as well as emergency travel assistance services.

Overall, Royal Caribbean Cruise Line Insurance can be a wise investment for travelers who want to protect their trip and ensure a stress-free vacation. While the insurance coverage may not be necessary for every traveler, it can provide valuable benefits for those who want to minimize their financial risk and protect themselves from unexpected events. Travelers should carefully review the terms and conditions of the insurance plan and determine if it is the right choice for their particular situation.

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If you purchased Royal Caribbean Travel Protection and wish to file a travel insurance claim, please contact our service partner AON .

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• Royal Caribbean International

Royal Caribbean travel protection

By Monthend , August 19, 2019 in Royal Caribbean International

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My travel agent thinks royal Caribbean has the best insurance. I have always bought private since I worry about the preexisting condition waiver. The wording is a little hard to understand. I had a serious illness six years ago. I have tests every six months. Not sure if I should buy this.

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The big advantages to RC's insurance are that the premium is not age based, which helps with older cruisers, and there is an automatic cancel for any reason coverage which gives you 75% of your cruise cost back as a credit to use within a year.

I don't think RC's insurance has enough emergency evac coverage, nor does it cover 3rd party airfare.

6 hours ago, Host Clarea said: The big advantages to RC's insurance are that the premium is not age based, which helps with older cruisers, and there is an automatic cancel for any reason coverage which gives you 75% of your cruise cost back as a credit to use within a year.   I don't think RC's insurance has enough emergency evac coverage, nor does it cover 3rd party airfare.

The emergency evacuation limits being low and medical limits too are why I booked third party insurance instead of RC's.  For me, DH, and DS we got more coverage for a lower price.  For my dad who is 82, I had to pay a lot more for his coverage third party, but wanted the peace of mind of having adequate limits.  I talked to a broker on insure my trip when selecting a policy.  In my case, by booking insurance within 30 days of deposit on the cruise the policies we had waive all preexisting conditions.  We aren't aware of any of these for anyone, but I still like having that waiver, should something new come up at a doctor's appointment or test for someone prior to sailing.

4 hours ago, kathy884 said:  ...  In my case, by booking insurance within 30 days of deposit on the cruise the policies we had waive all preexisting conditions.   ...

This is another advantage of 3rd party insurance.  On some policies, the limit is 10 days from when the cruise is first booked.

Baron Barracuda

On value received for price paid basis Royal is overpriced.  We've gone through Insuremytrip for our last 20 or so sailings.  Knowledgeable folks with a lot of offerings and no pressure.  We don't have pre-existing conditions so often hold off on purchasing until final payment date.  Have also booked early listing deposit amount as total cost of trip then upping coverage at final payment date.  

I don't want any insurance that is not primary and, if I am correct, the cruise line's insurance is secondary.  I also want coverage for pre-existing conditions.

I have cruised enough to know what my expenses should probably be, so I buy insurance through a third party within 14 days of my deposit.  I also don't believe the cruise line's insurance doesn't have enough coverage for medical evacuation or hospitals.

I do pay more, but, to me, it's worth it.  Cheap is not always best.

Ourusualbeach

Royals insurance covers $10,000 medical and $25,000 evac.  Hardly adequate however if you are older it can still provide good coverage with the cancel for any reason plan as long as you have supplemental medical and evac coverage.

The other reason I don't do Royal's insurance - IF there is a threat of a hurricane, and flights get canceled, but the cruise still goes, you are SOL.  Our friend had this happen.  When a hurricane hit PR, he had a flight to Miami to meet us for a cruse, he could not get our of PR.  Cruise still sailed.  He had ship insurance.  He got nothing. 

We always do  private insurance.  Because we travel so much we do an annual policy through Allianz.  Since we never book suites and such, and unless we fly to PR, we don't have to fly, so  the $3000 per trip works great for us. We also do not need the pre-existing clause.  Unless something major happens, we are going, so this annual policy is the perfect thing for us to have

As Bob said, there are only a couple of reasons to go with Royals coverage. The price is not based on age, and the policy automatically includes Cancel for Any Reason.

Other than that, it's overpriced and under covered.

Myself, I go with 3rd party and I don't even cover the cost of the trip. If I have to cancel, I just eat the few thousand it may have cost. Losing $3 to $5K would be painful, but it's not devastating. I just put the cost of the trip at $500 per person and that gives me the $250K in medical and $1M evac all for about $40 per person. 10 cruises and you're ahead of the game.

Why $500 per person? Because there is no price difference from $1 to $500. The next jump in price is $501 to $1000

EDIT to clarify: You cannot buy insurance this way if you want to cover Pre-existing conditions or if you want CFAR. In those instances, you must cover the entire cost of you trip minus any possible refundable expenses.

1 minute ago, klfrodo said: As Bob said, there are only a couple of reasons to go with Royals coverage. The price is not based on age, and the policy automatically includes Cancel for Any Reason. Other than that, it's overpriced and under covered.   Myself, I go with 3rd party and I don't even cover the cost of the trip. If I have to cancel, I just eat the few thousand it may have cost. Losing $3 to $5K would be painful, but it's not devastating. I just put the cost of the trip at $500 per person and that gives me the $250K in medical and $1M evac all for about $40 per person. 10 cruises and you're ahead of the game.   Why $500 per person? Because there is no price difference from $1 to $500. The next jump in price is $501 to $100

Can’t you buy a medical only policy?  The medical only policies we sell here in Canada have costs similar or lower to what you mentioned (age based) but provide $5 million in medical and evac.

35 minutes ago, Ourusualbeach said: Can’t you buy a medical only policy?  The medical only policies we sell here in Canada have costs similar or lower to what you mentioned (age based) but provide $5 million in medical and evac.

I could buy an annual medical only policy but don't travel enough yet to justify.

Basically, the policy above is a medical only, but the price is set from $1 to $500 trip cost. Why not say $500, that way I do get some benefit for lost baggage, stolen jewelry, trip delay up to the $500 amount rather than $1.

Plus, living in the US, all policies are regulated by each State. There's only 1 policy I can buy in my State, and it's not the good one. GeoBlue

4 minutes ago, klfrodo said:   I could buy an annual medical only policy but don't travel enough yet to justify.   Basically, the policy above is a medical only, but the price is set from $1 to $500 trip cost. Why not say $500, that way I do get some benefit for lost baggage, stolen jewelry, trip delay up to the $500 amount rather than $1. Plus, living in the US, all policies are regulated by each State. There's only 1 policy I can buy in my State, and it's not the good one. GeoBlue

Interesting the differences.  We have both defined term (pick the number of days that you need coverage for) and annual medical policies.  I can get a medical policy for a 2 day trip if I wanted.

I get what your saying about putting in the $500.  We have one all inclusive plan that covers everything including 100% cash back cancel for any reason but it also has a high age limit on the medical without having to do the health questionnaire   I find that some times it’s cheaper for clients to get that and put in $1000 (prices increase starting at $1001) for the other coverages and get the medical which is what they really want. 

cruisinfanatic

1 hour ago, karena1 said: The other reason I don't do Royal's insurance - IF there is a threat of a hurricane, and flights get canceled, but the cruise still goes, you are SOL.  Our friend had this happen.  When a hurricane hit PR, he had a flight to Miami to meet us for a cruse, he could not get our of PR.  Cruise still sailed .  He had ship insurance.  He got nothing.    We always do  private insurance.  Because we travel so much we do an annual policy through Allianz.  Since we never book suites and such, and unless we fly to PR, we don't have to fly, so  the $3000 per trip works great for us. We also do not need the pre-existing clause.  Unless something major happens, we are going, so this annual policy is the perfect thing for us to have

He certainly should have gotten 75% credit toward future cruise

4 minutes ago, cruisinfanatic said: He certainly should have gotten 75% credit toward future cruise

Yep.  I've had to cancel a couple Caribbean cruises with Royal's insurance and had no problems getting the 75 percent credit.  When cruising outside of North America I get third party insurance.

He certainly could have IF  had called and cancelled before the ships scheduled departure time.

Or, he could have flown to the next port flown to the next port (if they had passports) and filed for Trip Delay/Trip Interruption.

2 hours ago, klfrodo said:   Myself, I go with 3rd party and I don't even cover the cost of the trip. If I have to cancel, I just eat the few thousand it may have cost. Losing $3 to $5K would be painful, but it's not devastating. I just put the cost of the trip at $500 per person and that gives me the $250K in medical and $1M evac all for about $40 per person. 10 cruises and you're ahead of the game.

I would be interested in this type of coverage can you provide me with the info on what company to contact .

Quote      

31 minutes ago, Lorey2007 said: I would be interested in this type of coverage can you provide me with the info on what company to contact .  

www.tripinsurancestore.com

www.insuremytrip.com

These are brokers who sell various policies who would be glad to help you

2 hours ago, klfrodo said:   I could buy an annual medical only policy but don't travel enough yet to justify.   Basically, the policy above is a medical only, but the price is set from $1 to $500 trip cost. Why not say $500, that way I do get some benefit for lost baggage, stolen jewelry, trip delay up to the $500 amount rather than $1. Plus, living in the US, all policies are regulated by each State. There's only 1 policy I can buy in my State, and it's not the good one. GeoBlue

Are you saying GeoBlue is the good one or is it the only one you can buy in your state?  

SwissMiss USA

I travel for work and my parents go with me. I too wanted an annual policy for them. I called Nationwide and found out that the annual policy does not cover trips booked out over one year in advance. Which ...... most of our cruises are. We have ended up taking their cruise insurance. It is pricey but you also get full pre-existing waivers up to the final payment date and great medical and port change coverage. 

I never knew all the small print so I highly recommend to call a company or agent the first time and discuss your travel plans. We could have really been in a bad spot. 

Happy cruising   🙂    

3 hours ago, suzk2275a said:   Are you saying GeoBlue is the good one or is it the only one you can buy in your state?    

GeoBlue is a very good option which is not available in Washington State.

7 hours ago, karena1 said:   the $3000 per trip works great for us

Do you mean per year since you were discussing your annual policy? Or am I missing something?

14 hours ago, Baron Barracuda said: On value received for price paid basis Royal is overpriced.  We've gone through Insuremytrip for our last 20 or so sailings.  Knowledgeable folks with a lot of offerings and no pressure.  We don't have pre-existing conditions so often hold off on purchasing until final payment date.  Have also booked early listing deposit amount as total cost of trip then upping coverage at final payment date.  

Not always.

VERY age dependent.

3 hours ago, klfrodo said: GeoBlue is a very good option which is not available in Washington State.

Nor Maryland

I typically buy 3rd party insurance.

BUT, I purchase for $0 trip cost.  This covers the medical and med evac, and lost luggage and things like that.  It does not cover the cost of the cruise.

I figure I have already paid for the cruise, so it would be upsetting, but not put me in a financial bind.  Where medical and med evac could.

Last cruise, I saved over $500 by not covering the cruise.  So if I lose one out of 10 cruises, I am still ahead.

Coverage without covering the cruise costs runs me $32 per trip.

5 hours ago, mayleeman said: Do you mean per year since you were discussing your annual policy? Or am I missing something?

$3000 per occurrence up to 3 times a year for the annual policy.  Our trips never cost more than $3000 total, so that is enough coverage for the trip itself.  Policy still has great coverage for medical and emergency med vac, death, etc.

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Royal Caribbean reveals details about second Icon Class ship, Star of the Seas

The world’s biggest cruise ship is about to get a sibling.

Royal Caribbean International revealed new details about its second Icon Class vessel, Star of the Seas, on Tuesday. The ship will set sail from Florida’s Port Canaveral near Orlando in August 2025.

“Us really bringing the world's best family vacation to one of the world's best family markets felt like a natural synergy,” Jay Schneider, chief product innovation officer and senior vice president for the line's parent company Royal Caribbean Group , told USA TODAY.

The ship’s onboard offerings will build on what has resonated with guests on Icon of the Seas since it debuted in January – with some twists.

“One thing about this class is the class is coming out very fast, and it doesn't give you a whole lot of time to adjust,” said Schneider. “And so we wanted to learn as much as we could about what is successful on Icon as we kind of look ahead to Star.”

Where will Star of the Seas sail?

The 5,610-guest ship will operate seven-night Caribbean cruises, including destinations like Basseterre, St. Kitts and Nevis, Cozumel in Mexico and San Juan, Puerto Rico. Every cruise will also stop at the Royal Caribbean’s Bahamas private island, Perfect Day at CocoCay .

What can passengers expect?

The ship, a sister vessel to Icon, will include many of its familiar spaces, from the Category 6 water park to the enclosed glass-and-steel AquaDome and the adults-only Hideaway pool and lounge area. There will also be more than 40 dining and beverage options.

For comparison, Star – like Icon – will have 20 decks and measure 1,196 feet long, while Royal Caribbean's newest Oasis Class ship, Utopia of the Seas , has 18 decks and measures 1,188 feet.

But Star will feature new takes on some features that launched on Icon. Empire Supper Club, an intimate space serving multi-course meals with live entertainment, will be reimagined as the 1930s Chicago-inspired Lincoln Park Supper Club. The “eatertainment” venue was always envisioned as an evolving concept, Schneider said.

“So, Icon is New York, Star will be Chicago, and once we get to Icon three, which we haven't released the name of yet, (it) will be Hollywood,” he said. “And so we're following the sun as we create this class.”

The line will make similar adjustments to some family-focused programming, such as its Adventure Ocean kids club . Even as the line has offered increasingly advanced gaming technology, children have also requested more analog options like foosball and ping pong. Icon’s Surfside neighborhood, originally designed with kids six and younger in mind, has proven popular with children as old as 10 and will cater to a wider range of ages on Star.

Royal Caribbean is also concept-testing new cuisine types for AquaDome Market, the line’s food hall that serves Mediterranean fare, crepes and more on Icon.

Schneider noted that like Icon’s Chief Dog Officer Rover, a golden retriever who makes appearances to “surprise and delight” guests, Star will have its own resident canine named Sailor (likely of the same breed). “So Rover is excited to have a sibling, who hopefully they'll be able to meet on Perfect Day at CocoCay.”

The line will roll out new technology onboard, too. A waterproof bracelet that allows parents to track where their kids are via the cruise line’s app will be available, following a pilot on Icon this summer. Schneider said the cruise line has also been working on facial-recognition stateroom doors “for a while,” and expects them to be piloted onboard Star.

Floating resorts vs yacht-like vessels: How to pick between big and small cruise ships

How much does Star of the Seas cost?

Prices vary by sailing date, room category and other factors, but 2025 cruises currently start at between $1,654 and $1,705 per person based on double occupancy. Fares include many meals on board, drinks like regular coffee and lemonade and more.

Nathan Diller is a consumer travel reporter for USA TODAY based in Nashville. You can reach him at [email protected].

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Travel | election results: florida primary and central florida races, things to do, subscriber only, travel | royal caribbean gives 1st look at port canaveral-bound star of the seas.

This rendering shows Royal Caribbean's Star of the Seas, which will begin sailing out of Port Canaveral in Aug. 2025 (Courtesy/Royal Caribbean)

This image shows the AquaDome neighborhood's AquaTheater that will be coming to Royal Caribbean's Star of the Seas when it begins sailing out of Port Canaveral in Aug. 2025 (Courtesy/Royal Caribbean)

This image shows the Central Park neighborhood that will be coming to Royal Caribbean's Star of the Seas when it begins sailing out of Port Canaveral in Aug. 2025 (Courtesy/Royal Caribbean)

This image shows the Central Park neighborhood that will be coming to Royal Caribbean's Star of the Seas when it begins sailing out of Port Canaveral in August 2025 (Courtesy/Royal Caribbean)

This image shows the Royal Promenade with its Pearl sculpture that will be coming to Royal Caribbean's Star of the Seas when it begins sailing out of Port Canaveral in August 2025 (Courtesy/Royal Caribbean)

This image shows The Hideaway neighborhood that will be coming to Royal Caribbean's Star of the Seas when it begins sailing out of Port Canaveral in August 2025 (Courtesy/Royal Caribbean)

This image shows the Swim & Tonic swim-up pool bar that will be coming to Royal Caribbean's Star of the Seas when it begins sailing out of Port Canaveral in Aug. 2025 (Courtesy/Royal Caribbean)

This rendering shows Royal Caribbean's Star of the Seas, which will begin sailing out of Port Canaveral in Aug. 2025 (Courtesy/Royal Caribbean)

Royal Caribbean's Star of the Seas will take the title of world's largest cruise ship when it debuts out of Port Canaveral next year and the cruise line Tuesday revealed the first details about features coming to the vessel.

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What to Know About the Latest Social Security Number Breach

Hackers may have gained access to the private information of millions of people from a background check company called National Public Data. Should you be worried? We have some advice.

By Ron Lieber

Ron Lieber covered the 2017 Equifax breach while fleeing from a hurricane .

The details are murky. In April, Hackmanac, a cybersecurity company, posted on X that about 2.9 billion records of personal data were for sale, from people in the United States, Canada and Britain. The data was supposedly stolen from National Public Data , a company that does background checks.

That company became the target of a class-action suit, which Bloomberg Law recently reported, contending that thieves got Social Security numbers in the breach. Bleeping Computer, a technology and security publication, rounded up reports of hackers leaking batches of the data.

We may never know the extent of the breach and the subsequent leak. But I’m not sure the details matter much.

Security breaches happen all the time. Thieves frequently find vulnerabilities in large systems and exploit them.

Our lack of data privacy and security is intensely hateful, but in the short and medium term, the only thing we can do is lock ourselves down as best we can.

Here are some reminders about how to do it.

Control Anxiety

Remember, some thieves steal simply because they can. If they don’t try to use stolen information, you don’t have a problem.

More nefarious crooks need to know how to use the data against whatever aggressive defenses exist at, say, a bank. Often, they fail.

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Freeze Your Credit

The kind of identity theft where someone pretends to be you and uses your Social Security number to open new accounts can be damaging. One good defense is to freeze your credit files with the three big consumer credit reporting agencies, Equifax , Experian and TransUnion .

Credit card issuers, mobile phone companies and the like generally won’t open new accounts if they can’t check your credit. If you have frozen your credit, someone trying to open an account in your name at a new company won’t be able to proceed.

And if you need to open a new account yourself? You get a PIN when you freeze your file with each of the three companies and use it to thaw the file when someone needs to examine it. Don’t lose the PIN or chaos can ensue.

This is a pain, but I’ve done it for years and have heard only sporadic tales of people being unable to thaw their files when they need to. I’ve also set freezes up for my minor children .

Other Measures

Set up two-factor authentication on as many online accounts as possible, or use an authentication app to secure your online accounts. If thieves haven’t intercepted your email, text messages or phone, then it’s going to be hard for them to break in.

Account alerts are your friend. Depending on your bank or card company, you can set them up for many things, including any charge outside your home country, any (or all) A.T.M. withdrawals or transactions over a certain amount.

If you get an alert you didn’t expect — or even one you did — don’t click links or call phone numbers in the alert. Instead, log into the account in question and find a contact number there. That will keep thieves from redirecting you to their own operations.

Take the Compensation

I’m not confident we’ll ever live in a fraud-free world. Until one exists, I take some joy in accepting compensation from companies that have messed up.

I have cashed settlement checks from various class-action suits. The offers come so fast and furious in the mail these days that I can’t even remember them a week later. What did I send off earlier this month? A request to join the fight against Ticketmaster ? Quest Diagnostics ? There have been many recently.

Thieves don’t want us to gum up the works. Credit bureaus don’t like to slow down the system, either. Counteracting them and cashing in when money is on the table is some measure of revenge, or at least a way to protest the absurd security status quo.

Ron Lieber has been the Your Money columnist since 2008 and has written five books, most recently “The Price You Pay for College.” More about Ron Lieber

A Guide to Better Managing Your Money

Making sense of your finances can be complicated. these tips can help..

Hackers may have gained access to the social security numbers of millions of people. Should you be worried? We have some advice .

You have been able to earn solid returns by parking your money in fairly safe places, our columnist says. But that won’t last much longer .

The collapse of a little-known intermediary named Synapse Financial Technologies has put a spotlight on the risk that customers face  when using popular banking start-ups.

A growing number of Americans who need cash before their next payday are using online paycheck advances. But the fees that often come with the advances are drawing scrutiny from a federal consumer watchdog. Here’s what to know .

With traditional mortgages for lower-priced homes hard to get, some home buyers are turning to riskier alternatives , like seller-financed loans known as “land contracts” that don’t involve a bank.