Although the fellow on the left will tell you that "you no foola me, there ain't no sanity clause", while ripping up a contract, I like well written contracts. Specifically, I like to have insurance for whenever I cruise, as I've heard of too many situations where travel insurance is needed.
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By the end of this year, I'll have made at least 4 cruises in a 365 day period. As a result, I would have done much better had I bought a yearly travel policy from a firm such as Allianz Travel Insurance. Each time I took a cruise, I bought a travel insurance policy valid for only that single cruise. Policies sold by firms like Allianz tend to have yearly terms, and pay for themselves after 2-3 trips. In my case, buying this insurance when I booked my Hawaii cruise would have made sense, as the cruise line's insurance for that one trip costs me the same as if I bought the yearly policy from Allianz.
Although I don't think I'll be traveling as much in 2023 as I will do by the end of 2022, I'm leaning towards buying a yearly policy when I book my next cruise. This way, I don't have to worry about which policy to buy: the cruise line's policy or that from a travel agent. Instead, I'll have already made that decision, and be in a position to save once I've passed the 2 trip mark.
Given that RQS and I are already talking 2023 trips, it makes sense for me to start my insurance shopping now. What do you think?
