800-856-1155

           Email Us           Join Our Mailing List

SELECT A BUTTON BELOW TO VISIT BROWN & KEENE'S ADDITIONAL CRUISE LINE AND LUXURY TOUR WEBSITES

Seven Seas Voyager

Seven Seas Mariner

Seven Seas Navigator

USE MENU BARS BELOW FOR SEARCHING BY SHIP, DESTINATION, SPECIAL OFFERS AND MORE.

INSURANCE COMPARISON

 

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.

 

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

 

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.


 
Regent and CSA – only offer secondary coverage.

 

PRE EXISTING CONDITIONS

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.

 

AGE CONCERNS – DEPENDS ON YOUR AGE


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

TRAVELING WITH CHILDREN UNDER 18

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
 

EMERGENCY EVACUATION

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

Travelex basic coverage: $250,000

Regent basic coverage: $25,000
 

POLICY LIMITS

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

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

$331

$428

$2,501 - $3,000

$111

$138

$184

$253

$313

$389

$509

$3,001 - $3,500

$129

$153

$218

$294

$361

$451

$586

$3,501 - $4,000

$148

$172

$250

$334

$409

$524

$667

$4,001 - $4,500

$165

$193

$297

$373

$458

$595

$743

$4,501 - $5,000

$185

$217

$338

$414

$508

$661

$820

$5,001 - $5,500

$207

$246

$375

$465

$560

$737

$901

$5,501 - $6,000

$230

$266

$407

$515

$610

$816

$980

$6,001 - $6,500

$252

$294

$443

$566

$674

$889

$1,064

$6,501 - $7,000

$274

$321

$480

$618

$749

$989

$1,169

$7,001 - $8,000

$304

$358

$534

$698

$836

$1,091

$1,298

$8,001 - $9,000

$336

$397

$593

$783

$956

$1,210

$1,444

$9,001 - $10,000

$379

$436

$660

$865

$1,085

$1,331

$1,609

For trip costs over $10,000 or trips longer than 31-days, please call for a quote.

 

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

All Travel Protection Plans
Are Not the Same!

MedjetAssist

American
Express
Platinum

Traditional
Health
Plans

Travel
Insurance
Plans

Will the assistance provider transport its members regardless of medical necessity?

YES

NO

NO

NO

Will the assistance provider allow the member to determine which medical facility to be moved to?

YES

NO

NO

NO

Will the assistance provider guarantee medical transports within the U.S. as well as internationally?

YES

NO

NO

NO

Does the assistance provider offer transport from home hospital to a specialty hospital within the U.S.?

YES

NO

NO

NO


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.

Brown & Keene Travel
14160 Dallas Parkway, Suite 450
Dallas, Texas 75254
800-856-1155 | 972-701-9292 (local) | 972-701-9293 (fax)