Comparison of Regent, CSA, 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 details contained in this information and expressly disclaim liability for any errors or omissions. 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.

KEY ISSUES CLARIFIED

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.

 Regent and CSA – only offer secondary coverage.

Best insurer on this issue: CSA
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.
 

Clarity on coverage without the pre-existing condition waiver.
You must be free of any new condition and had no change in treatment for a pre-existing condition for 90 days (Travelex) or 180 days (CSA) before purchasing the insurance. If you meet this qualification then you ARE covered for those particular pre-existing conditions.

Best insurer on this issue – The older you are, then Regent. – The younger you are CSA or Travelex 
 

Best insurer on this issue: Travelex
Children under 18 traveling with adult paying for insurance are FREE.

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

Best insurer on this issue is: CSA & Travelex
CSA basic coverage: $250,000

Travelex basic coverage: $250,000

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;
 

REGENT INSURANCE PLAN RATES
 

 Regentcare travel insurance is a percentage of the total trip cost

including cruise fare, air and hotels; NO pre-existing coverage available
 

• 10% for cruises up to 25 days

• 20% for cruises 26+ days

• 
  regentcare plus (additional coverage limits) is available at an additional $49 per person
  FREE OF CHARGE FOR GOLD, PLATINUM AND TITANIUM TIER LEVEL MEMBERS
   

insurance rates are constantly changing
these tables may not be accurate but are a guideline for use as a comparison.

Call brown and keene for an up to date quote

CSA FREESTYLE PLAN RATES

PRE-EXISTING WAIVER ONLY IF PURCHASED WITHIN 24-HOURS OF FINAL PAYMENT

TRAVELEX - TRAVELITE PLAN RATES
PRE EXISTING WAIVER ONLY IF PURCHASED WITHIN 21-DAYS OF DEPOSIT

Another thing to consider is the MedJetAssist card
 

Here is the information from their website:
MedjetAssist is your ticket home if you become ill or are injured.

As a MedjetAssist member, if you are hospitalized virtually anywhere in the world more than 150 miles from home, simply call MedjetAssist and a specially equipped aircraft with a medical team can be dispatched to bring you to your home hospital or hospital of your choice so you can be treated by your personal physician and be close to your family

MedjetAssist is a prepaid, air medical transportation membership program -- not a travel insurance policy or health care plan.   MedjetAssist was created to provide affordable, high-quality air ambulance service to individuals, families and businesses.

Lloyd's of London underwrites the program to guarantee that a transport will be available to every MedjetAssist member in time of need.

MedjetAssist transports members without regard to medical necessity.  Members who are hospitalized may choose to be transported to a hospital of their choice.

There is no limit on the cost of a medical transport.  And unlike travel insurance or travel platinum cards, MedjetAssist provides medical evacuations for its members both globally and domestically.

MedjetAssist's services are provided to members 24 hours a day, 365 days a year

MedjetAssist is an annual travel membership program for people who travel for business or pleasure, in the United States or abroad.

Costs are as follows – on an annual membership basis:

• Pre-paid annual memberships for individuals up to 75 years of age are just $205 and it covers everything.

• Families can enjoy the same peace of mind for only $325.

• Diamond Plan available for ages 75- 85 years of age.

• Groups and corporate rates are also available

• 7, 14, 21 and 30 day plans available starting at $75

MedjetAssist Website Shows Following Comparison Chart

We can purchase any of the above 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. In addition, if you would like a brochure for any or all of these plans, please let us know.

The insurance information provided on this site 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 site and expressly disclaim liability for any errors or omissions in the information and materials. Please note: 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 apply for full coverage, therefore buy travel insurance as soon as possible.