Regent Seven Seas Cruises - Dallas Travel Agent

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INSURANCE COMPARISON
 

Comparison of Regent, Travelex Lite and HTH Insurance Plans
 

This can be very confusing.  The analysis is meant to assist you in determining what is best for you.
Information listed below to the best of our ability and understanding, we are not insurance experts and our descriptions below are meant to assist you and are by no means binding. Payment of claims and policy rules are at the discretion of the insurance company.  The key issues are pre-existing conditions, primary or secondary coverage for medical costs, amount of emergency evacuation insurance, your age, whether you are covering children. No ONE policy stands out as the best it depends on your personal situation.  For extended long cruises it becomes even more complex. Please just contact us and we will address this individually.
 

Company HTH Worldwide Travelex Regent
Plan Name Trip Protector TraveLite Guest Travel Protection Program
Available to Travelers from U.S. U.S. U.S.
Trip Cancellation Trip Cost up to $30K Trip Cost up to $30K Total Cruise Cost
Trip Interruption 100% Trip Cost up to $30K 150% Trip Cost up to 45K Total Cruise Cost
Financial Default 14 day wait, if purchased within 24 hours of final trip payment 14 Day Wait, if purchased within 21 days of First Trip Payment None
Terrorism in Itinerary City Yes, if terrorist act took place within 30-days of scheduled departure date for your trip. Yes, if terrorist act took place within 30-days of scheduled departure date for your trip. None
Travel Baggage $1,000 $1,000 $2,500
Travel Baggage Delay 24+ hours / $200 max 24+ hours / $200/day;
$250 max		 $1,000
Travel Delay 6+ hours $150/day;
$1,000 max		 5+ hours $200/day;
$750 max		 $1,000
Accidental Death No Coverage $10,000 $75,000
Medical $100,000 $50,000 $10,000 Accident; $10,000 Medical
Dental Included in Medical $750 Incl. in Medical Included in Medical
Emergency Medical Evacuation $500,000 $50,000 Incl. in Medical $25,000
24 Hour Emergency Assistance Yes Yes Yes
Pre-Existing Conditions Waived If purchased within 24-hours of final trip payment If purchased within 21-Days of Trip Deposit If purchased within 72-Hours of Trip Deposit
Pre-Existing Condition Period 180 Days 90 Days 90 Days
Insurance Company Stonebridge Old Republic BerkelyCare
Rental Car Collision/Loss Not Available $50,000(+$)(n/a OR) Not Available
Flight Insurance $100,000 $50,000 Common Carrier $75,000 Common Carrier
Additional Flight Insurance Not Available $300,000(+$) Not Available
Child Coverage Regular rates (see table) No charge for 16 & under if traveling with adult purchasing insurance Regular rates
Age Considerations Rates vary with age Rates vary with age Same price for all ages
Primary vs. Secondary Secondary coverage Primary coverage Secondary coverage
Longer Trips Varies by age 32-180 days add $5 a day No additional charge

 

KEY ISSUES CLARIFIED

PRIMARY OR SECONDARY COVERAGE

Best insurer on this issue: Travelex

This can be a big issue.  Many people ONLY want primary insurance on their travel policy for medical expenses.

If you have two insurance companies involved, then it can be a problem when overseas and can create more stress.  Some policies will not cover you overseas and until you are in the critical situation it can be difficult to determine these issues.  We have heard of real problems for people who do not have PRIMARY medical travel insurance.

The insurance company has much higher risk associated with this coverage. Yet Travelex is often close in  price as HTH or Regent (depending on your age).


 Regent and HTH – only offer secondary coverage.

PRE EXISTING CONDITIONS

Best insurer on this issue: HTH
All pre-existing conditions covered if paid within 24 hours of the final payment.
 

Travelex offers full pre-existing coverage but premium must be paid within 21 days of DEPOSIT for the trip. If not paid in time the travelers not covered for pre-existing conditions AND neither are the family members.
 

Regent offers pre-existing coverage at ALL times for family members not traveling but only a waiver for pre-existing conditions if full insurance is paid within 72 hours of the deposit.
 

Clarity on pre-existing condition coverage.
You must be free of any new condition and had no change in treatment for a pre-existing condition for 60 days (Regent) or 90 days (Travelex) or 180 days (HTH) before purchasing the insurance. If you meet this qualification then you ARE covered for pre-existing conditions.

 

AGE CONCERNS – DEPENDS ON YOUR AGE


Best insurer on this issue – the older you are - Regent – younger you are HTH or Travelex 
 

TRAVELING WITH CHILDREN UNDER 16

Best insurer on this issue: Travelex
Children under 16 traveling with adult paying for insurance are FREE.

 HTH  0 – 30 age bracket
Regent – child or 90 years old same rate
 

EMERGENCY EVACUATION

Best insurer on this issue is: HTH basic coverage $500,000
Travelex basic coverage: $50,000

Regent basic coverage: $25,000
 

POLICY LIMITS

Regent - no limit but maximum cash back $50,000 per person rest in future cruise certificate
Travelex – Travel Lite $30,000 per person   Travel Plus $50,000
HTH –  $30,000 per person


TRAVELEX - TRAVELITE PLAN RATES – PRE EXISTING WAIVER ONLY IF PAID IN 21 DAYS OF DEPOSIT

Trip Cost

Plan Rates per person for trips of 1-31 days in length.

$8.00 administrative fee will be added to all insurance policies.
Ages
0-34

Ages
35-60

Ages
61-70

Ages
71-75

Ages
76-80

Ages
81+

$0*

$19

$29

$36

$48

$59

$105

$1 - $500

$25

$36

$40

$55

$66

$109

$501 - $1,000

$42

$51

$63

$92

$114

$179

$1,001 - $1,500

$53

$68

$88

$121

$161

$251

$1,501 - $2,000

$72

$91

$121

$171

$210

$322

$2,001 - $2,500

$92

$116

$150

$210

$259

$394

$2,501 - $3,000

$110

$136

$179

$251

$306

$466

$3,001 - $3,500

$129

$148

$211

$291

$353

$539

$3,501 - $4,000

$147

$162

$240

$330

$401

$610

$4,001 - $4,500

$164

$185

$303

$369

$447

$678

$4,501 - $5,000

$183

$206

$340

$410

$494

$751

$5,001 - $6,000

$211

$244

$374

$483

$546

$821

$6,001 - $7,000

$266

$291

$455

$574

$642

$963

$7,001 - $8,000

$315

$370

$546

$694

$861

$1,178

$8,001 - $9,000

$352

$401

$608

$782

$997

$1,337

$9,001 - $10,000

$392

$433

$669

$862

$1,094

$1,498