Luxury Cruises | Regent Seven Seas Cruise | Brown & Keene Travel

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.

Please just contact us and we will address insurance individually.	RSSC GUEST PROTECTION PROGRAM	CSA TRAVEL PROTECTION FREESTYLE	TRAVELEX TRAVELITE
Contact Information	800-453-4023 Reference Brown & Keene Travel as Travel Agent	800-348-9505 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	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
Purchase Time Requirements	As of November 2009, new policies purchased will not cover pre-existing conditions.	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	10% (1 -25 days)- 20% (26+ days)	See Rate Chart Below	See Rate Chart Below
Trip Cancellation	Total cruise cost	100% of trip cost	100% of trip cost up to $30K
Trip Interruption	Total cruise cost	150% of trip cost	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	5+ hours $200/day, $750 max
Supplier Bankruptcy / Default	None	Not Available	If default happens after 14 days of purchase
Itinerary Change	None	None	$250
Child Coverage	Regular charge	Regular charge	No charge for 18 and under if traveling with adult purchasing insurance
Age Considerations	Same price for all ages	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
Primary vs. Secondary	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 21-days of deposit.
Emergency Evacuation	$25,000	$250,000	$250,000
MEDICAL PROTECTION
Medical Expenses	$10,000 Accident; $10,000 Medical	$50,000	$50,000
Dental	Included in Medical	Included in Medical	$750 Incl. in Medical
Pre-Existing Condition Waiver	As of November 2009, new policies purchased will not cover 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 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
Baggage Delay	$1,000	24+hours, $200 max	24+hours, $200/day;$250 max
TRAVEL ACCIDENT PROTECTION
Accidental Death-24hr	$75,000	Not Available	$25,000
Accidental Death-Common Carrier	Included in Accidental Death 24-hr	Not Available	Not Available
Accidental Death-Flight	Not Available	$200,000	Optional for Additional Charge
WORLDWIDE EMERGENCY ASSISTANCE
24-Hour Emergency Assistance	YES	YES	YES
		ID Theft Protection
MISCELLANEOUS
Trips longer than 31-days	No additional charge	Varies by age	32 – 365 day add $5 a day.
Cancel for Business Reasons	Not Available	Available for an additional 1.25% of trip cost	Not Available

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.

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.

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

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;

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

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

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

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.