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Old 03-30-2010, 02:34 PM   #1
Disneydiana
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Travel Insurance question- is this right?

I read online that I shouldn't divide up my coverage among everyone in my party because that would leave the adults w/out a lot of coverage. Is this true? This is what I was planning on doing:
I have to buy 2 separate policies because my mother lives in a different house.

What I had planned on doing was divide the trip into 4.

My mother would be covered for 1/4 and then I would then cover my family under one policy for the remaining 3/4.
so far so good?

I called the insurance people and they told me to the divide our policy (me /Dh and baby) by 3 (to space out the coverage).

Is this right? Because I read somewhere else that this would leave the adults (dh and I) underinsured? But then I don't want Zoey under insured.
when they say "under insurered" does that mean $ or benefits like (medical or evacuation)? That's what I'm really worried about. At this point I'm just ready to give up and buy the Disney insurance and call it a day although I'd then have to fly in the day of the cruise and not the day before because Disney won't cover the day before in their insurance and then they won't cover the flights if I don't book w/ them...

Am I over thinking this?
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Old 03-30-2010, 10:46 PM   #2
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I'm not quite sure what you're referring to, because there are so many policies out there. Generally, though, the policies require that every traveler in the party be covered by name, and that you have to cover the entire journey from the day you leave home to the day you return. The rate quote takes into account the costs for each individual traveler, even if you happen to be paying for a single stateroom.

If your mom is traveling from a different city/different itinerary, then it is best (and may be necessary) to have a separate policy for her. Again, her cost for the cruise would be her "normal" portion of the fare. For example, the "third adult" fare (if she's sharing your room with you). You'll usually find, however, that the length of the cruise has a bigger impact on your insurance rate than the cost of the cruise.

Some companies require the same policy for each traveler, others will cover your group as a single policy. Again, though, that without knowing the policy, it's hard to give any advice.
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