Are you dreaming of setting sail on a Princess Cruise? With their incredible itineraries and top-notch service, it’s no wonder they are one of the most well-known cruise companies in the world. But before you set off on your adventure, it’s important to consider travel insurance to protect yourself and your investment.
Why Choose Princess Vacation Protection Plan?
Princess Cruises offers their own branded travel insurance plan called Princess Vacation Protection. Underwritten by Nationwide and administered by Aon, two trusted names in the insurance industry, this plan provides coverage for a range of unforeseen events that could disrupt your cruise experience.
Imagine sipping a cocktail on the deck of your cruise ship as you sail through stunning Alaskan waters. But what if an unexpected illness or injury forces you to cancel your trip? That’s where travel insurance comes in. Princess Vacation Protection Plan offers cancellation coverage of up to 100% of your trip cost for qualifying reasons such as illness, injury, or the unexpected death of a traveler or immediate family member.
Choosing the Right Plan for You
Princess Vacation Protection Plan comes in two options: Standard and Platinum. Let’s take a closer look at what each plan offers.
Princess Cruise Vacation Protection Insurance – Standard Protection Levels
- Cancellation: Up to 100% of trip cost for qualifying reasons
- Cancel Any Reason: 75% of cruise cost given in future cruise credits
- Accident or Illness Medical Expense: $10,000
- Emergency Evacuation and Repatriation of Remains: $50,000
- Pre-Existing Medical Condition Waiver: No
- Trip Interruption: 150% of trip cost
- Baggage Delay: $500 per trip
- Baggage/Personal Effects: $1,500 per trip
- Trip Delay (en route to the trip): $500 per trip*
- Trip Delay (returning from the trip): $1,500 per trip*
*Note: Not to exceed $1,500 in the event of both pre- and post-cruise vacation trip delays.
Princess Cruise Vacation Protection Insurance – Platinum Protection Levels
- Cancellation: Up to 100% of trip cost for qualifying reasons
- Cancel Any Reason: 75% of cruise cost given in future cruise credits
- Accident or Illness Medical Expense: $20,000
- Emergency Evacuation and Repatriation of Remains: $75,000
- Pre-Existing Medical Condition Waiver: No
- Trip Interruption: 150% of trip cost
- Baggage Delay: $500 per trip
- Baggage/Personal Effects: $3,000 per trip
- Trip Delay (en route to the trip): $500 per trip*
- Trip Delay (returning from the trip): $1,500 per trip*
*Note: Not to exceed $1,500 in the event of both pre- and post-cruise vacation trip delays.
Is Princess Vacation Protection Plan Enough?
While Princess Vacation Protection Plan offers some coverage, it is essential to assess whether it meets your specific needs. For example, the medical insurance coverage and emergency evacuation limits provided by Princess are relatively low. Cruise Insurance 101 recommends a minimum of $100,000 for medical insurance and $250,000 for medical evacuation. In comparison, Princess Vacation Protection Plan offers $10,000 in medical insurance and $50,000 in emergency evacuation on their Standard Plan, and $20,000 in medical insurance and $75,000 in emergency evacuation on their Platinum Plan.
Additionally, Princess Vacation Protection Plan’s coverage for canceling for any reason only provides future cruise credits, which expire after one year and cannot be redeemed for cash. In contrast, policies like the Trawick First Class offer cash refunds of up to 75% of prepaid, non-refundable trip costs, including arrangements made outside of Princess Cruises.
Find Better Coverage and Save Money
By shopping for travel insurance through Cruise Insurance 101’s Travel Insurance Marketplace, you can find better coverage at a lower cost. For our sample couple aged 55 and 60, the Trawick First Class policy offers superior coverage compared to Princess Vacation Protection Plan’s Standard Plan at a price of $231.00, which is $56.68 less than Princess. This plan includes $150,000 in medical insurance and $1 million in medical evacuation, providing you with peace of mind during your cruise.
If you desire the added protection of a policy with Cancel For Any Reason coverage, consider the Trawick First Class (CFAR 75%) plan. At $392.70, it offers the same benefits as the Trawick First Class but also includes a Cancel For Any Reason provision that refunds 75% of trip costs in cash. This plan provides extensive coverage at a lower cost compared to Princess Vacation Protection Plan’s Platinum Plan, which offers similar benefits.
Choose the Best Travel Insurance for Your Princess Cruise
When it comes to protecting your investment and ensuring a worry-free vacation, it’s crucial to select the right travel insurance. Princess Vacation Protection Plan offers minimal coverage at a higher cost, while alternative options like the Trawick First Class policy provide superior coverage at a lower price.
At Cruise Insurance 101, we recommend having at least $100,000 in travel medical coverage and $250,000 to $500,000 for emergency medical evacuation when traveling outside the US. It’s also essential to purchase a policy with a pre-existing condition waiver if you have any medical conditions. Our user-friendly marketplace enables you to compare multiple options and choose the best policy to suit your needs.
So, before you embark on your Princess Cruise in 2022, make sure you pack travel insurance. It’s always better to be prepared for the unexpected. Visit DHPL Travels to find the best policy for your cruise adventure. If you have any questions, our friendly team is here to assist you. Safe travels!
