|
Comparison of
Regent, CSA, and HTH
and Travelex Insurance Plans
This can be very confusing. 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. For extended long cruises it becomes even more complex. No ONE policy stands out as the best it depends on your personal situation.
PLEASE NOTE: The insurance information provided is on an "as is" basis for information purposes only. We do not warrant the accuracy, adequacy or completeness of the information and materials contained in this information and expressly disclaim liability for any errors or omissions in the information and materials. Payment of claims and policy rules are at the discretion of the insurance company. All rates and benefits are subject to change and can change without notice as insurance providers update their plans and pricing periodically. While we strive to keep up-to-date information with any and all provider updates as they occur, it is best to call us or contact the provider prior to purchase. Purchasing deadlines exist for some policies to receive for full coverage.
We can purchase any of the listed insurances on your behalf. Of course you can travel without insurance or purchase a policy of your choosing. Simply let us know what decisions you make.
|
Please just contact us and we will address insurance individually. |
RSSC
GUEST PROTECTION PROGRAM |
CSA TRAVEL PROTECTION
FREESTYLE |
HTH WORLDWIDE
TRIP PROTECTOR |
TRAVELEX
TRAVELITE |
|
Contact Information |
800-453-4023
Reference Brown & Keene Travel as Travel Agent |
800-348-9505
Reference Brown & Keene Travel as Travel Agent |
866-501-3254
Reference Brown & Keene Travel as Travel Agent |
800-228-9792
Reference Brown & Keene Travel as Travel Agent |
|
Insurance Company |
BerkelyCare |
United States Fire Insurance Co |
Stonebridge |
Old Republic |
|
Maximum Policy Amount |
No maximum. However, anything over $50K is only issued as Future Cruise Credit. |
No set maximum; per approval |
$30,000 Per Person |
$30,000 Per Person |
|
Purchase Time Requirements |
Must purchase within 72-hours of trip deposit to receive pre-existing condition waiver. Restrictions apply. |
Must purchase within 24-hours of final payment to receive many of these benefits. |
Must purchase within 24-hours of final payment to receive many of these benefits. |
Must purchase within 21-days of trip deposit to receive many of these benefits. |
|
Pricing |
8% - 10.5% |
See Rate Chart Below |
See Rate Chart Below |
See Rate Chart Below |
|
Trip Cancellation |
Total cruise cost |
100% of trip cost |
100% of trip cost up to $30K |
100% of trip cost up to $30K |
|
Trip Interruption |
Total cruise cost |
150% of trip cost |
100% of trip cost up to $30K |
150% of trip cost up to $45,000 |
|
Trip Delay |
$1,000 |
6+ hours $150/day, $1,000 max; $500 missed connection more than 3 hrs but less than 24 hrs |
6+ hours $150/day, $1,000 max |
5+ hours $200/day, $750 max |
|
Supplier
Bankruptcy / Default |
None |
Not Available |
If default happens after 14 days of purchase. |
If default happens after 14 days of purchase |
|
Itinerary Change |
None |
None |
None |
$250 |
|
Child Coverage |
Regular charge |
Regular charge |
Regular charge |
No charge for 16 and under if traveling with adult purchasing insurance |
|
Age Considerations |
Same price for all ages |
Rates vary with age |
Rates vary with age |
Rates vary with age |
|
Terrorism |
None |
Yes, if terrorist act took place in your area or the area you are traveling to within 60 days from the date of departure |
Yes, if terrorist act took place in your area or the area you are traveling to within 30 days from the date of departure |
Yes, if terrorist act took place in your area or the area you are traveling to within 30 days from the date of departure |
|
Primary vs. Secondary |
Secondary coverage |
Secondary coverage |
Secondary coverage |
Primary Coverage |
|
Purchase Time |
At time of final payment.
*For full coverage, must be purchased within 72-hours of deposit. |
Up to departure.
***For full coverage, must be purchased within 24-hours of final payment. |
Up to departure.
*** For full coverage, must be purchased within 24-hours of final payment |
Up to departure.
***For full coverage, must be purchased within 21-days of deposit. |
|
Emergency Evacuation |
$25,000 |
$250,000 |
$500,000 |
$50,000; Included in Medical |
|
MEDICAL PROTECTION |
|
Medical Expenses |
$10,000 Accident; $10,000 Medical |
$50,000 |
$100,000 |
$50,000 |
|
Dental |
Included in Medical |
Included in Medical |
Included in Medical |
$750 Incl. in Medical |
|
Pre-Existing Condition Waiver |
Waived if purchased in 72 hours of deposit. If not purchased in time, pre-existing issues covered if not a new problem or a pre-existing problem that required change of treatment 60 days before purchase of insurance. ALL family members are always covered for all pre-existing conditions. |
Waived if purchased within 24-hours of final payment. If not purchased in time travelers ARE covered for pre-existing issues if not a new problem or a pre-existing problem that required change of treatment 180 days before purchase. All Family members MUST meet same requirements as travelers. |
Waived if purchased within 24 hours of final payment. If not purchased in time travelers ARE covered for pre-existing issues if not a new problem or a pre-existing problem that required change of treatment 180 days before purchase. All Family members MUST meet same requirements as travelers. |
Waived if purchased within 21 days of deposit. If not purchased in time travelers and family members ARE covered for pre-existing issues if not a new problem or a pre-existing problem that required change of treatment 90 days before purchase. All Family members MUST meet same requirements as travelers. |
|
BAGGAGE PROTECTION |
|
Baggage/Personal Effects |
$2,500 |
$1,000 |
$1,000 |
$1,000 |
|
Baggage Delay |
$1,000 |
24+hours, $200 max |
24+hours, $200 max |
24+hours, $200/day;$250 max |
|
TRAVEL ACCIDENT PROTECTION |
|
Accidental Death-24hr |
$75,000 |
Not Available |
Not Available |
$10,000 |
|
Accidental Death-Common Carrier |
Included in Accidental Death 24-hr |
Not Available |
Not Available |
$50,000 |
|
Accidental Death-Flight |
Not Available |
$200,000 |
$100,000 |
Optional for Additional Charge |
|
WORLDWIDE EMERGENCY ASSISTANCE |
|
24-Hour Emergency Assistance |
YES |
YES |
YES |
YES |
|
|
|
ID Theft Protection |
Security Profiles
Elite Doctor Network
City Health Profiles
Travel Supplier Restrictions |
Additional $100,000 Medical & Evacuation (+$54)
Travelex JournEase Program
Travel Supplier Restrictions |
|
MISCELLANEOUS |
|
Trips longer than 31-days |
No additional charge |
Varies by age |
Varies by age |
32 – 180 day add $5 a day. |
|
Cancel for Business Reasons |
Not Available |
Available for an additional 1.25% of trip cost |
Not Available |
Not Available |
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, CSA and HTH – only offer secondary coverage.
Best insurer on this issue: HTH or CSA; depends on coverage premium. Call for quote or see rate chart below.
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 & CSA) 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, then Regent. – The younger you are HTH, CSA or Travelex
|
TRAVELING WITH CHILDREN UNDER 16 |
Best insurer on this issue: Travelex
Children under 16 traveling with adult paying for insurance are FREE.
CSA 0-30 age bracket
HTH 0-30 age bracket
Regent – child or 90 years old same rate
Best insurer on this issue is: HTH Trip Protector for $500,000
CSA basic coverage: $250,000
Travelex basic coverage: $50,000
Regent basic coverage: $25,000
Regent - no limit but maximum cash back $50,000 per person rest in future cruise certificate
CSA - no policy limit, per approval
TraveLite - $30,000 per person;
HTH - $30,000 per person
REGENT INSURANCE PLAN RATES
Regentcare travel insurance is a
percentage of the total trip cost
including cruise fare, air and hotels;
-
8% for cruises under 14 days
-
9% for cruises 14+ days
-
10.5%
FOR
world cruise and ring of fire cruises
regentcare plus (additional coverage limits) is available at
an additional $49 per person
FREE OF CHARGE FOR GOLD, PLATINUM AND TITANIUM TIER LEVEL
MEMBERS
CSA FREESTYLE PLAN RATES
PRE-EXISTING WAIVER ONLY IF PURCHASED WITHIN 24-HOURS OF FINAL PAYMENT
|
Trip Cost |
Age |
|
0-30 |
31-55 |
56-70 |
71-75 |
76-80 |
81-84 |
85+ |
|
$0 |
$17 |
$24 |
$28 |
$36 |
$47 |
$79 |
$89 |
|
$1 - $250 |
$20 |
$28 |
$36 |
$47 |
$57 |
$87 |
$99 |
|
$251 - $500 |
$24 |
$36 |
$46 |
$63 |
$76 |
$110 |
$127 |
|
$501 - $750 |
$38 |
$48 |
$61 |
$90 |
$105 |
$142 |
$177 |
|
$751 - $1,000 |
$41 |
$52 |
$70 |
$98 |
$127 |
$166 |
$206 |
|
$1,001 - $1,500 |
$56 |
$70 |
$92 |
$131 |
$165 |
$205 |
$271 |
|
$1,501 - $2,000 |
$74 |
$93 |
$124 |
$171 |
$213 |
$267 |
$349 |
|
$2,001 - $2,500 |
$92 |
$117 |
$154 |
$211 |
$264 |
| |
