Quick Travel Insurance Comparison

We highly recommend that you protect yourself if you have to cancel your vacation for any emergency or for any reason, or you have a medical emergency while you are on the cruise.  You have many options for travel protection.  Start with your credit card, it may offer some limited protection for no additional cost.  For more comprehensive coverage, we recommend either the Royal Caribbean Travel Protection Program or Dream Vacation’s LeisureCare.  There are many subtle differences in coverage, but one of the most notable differences is that Royal Caribbean’s Insurance must be added at the time of booking and paid for by Final Payment (03-31-2017), while LeisureCare can be booked up to June 30, 2017 (a week before the cruise sail date).   Also, LeisureCare covers the Masala Fee portion of your Total Fare, while Royal Caribbean covers only their Cruise Fare + NCF Charges.  Please see a Quick Comparison of Coverages in the chart below. Full Details of Coverage available in PDF by clicking the links below the chart.  Please note that if you do not buy any sort of protection, and you do not make the cruise for ANY reason, you will not receive any refund or future cruise credit.

BENEFIT DESCRIPTION OPTION 1 OPTION 2 OPTION 3
Royal Caribbean Travel Protection INSIDE $89 LeisureCare L2 Classic INSIDE $164 LeisureCare L3 Cancel for Any Reason INSIDE $239
OCEAN $119 OCEAN $134 OCEAN $194
BALCONY $159 BALCONY $150 BALCONY $218
SUITE $199 SUITE $174 SUITE $253
Payment Deadline 03-31-2017 06-30-2017 Within 7 days of deposit
Trip Cancellation Trip Interruption RCCL Cruise Fare + NCF RCCL Cruise Fare + NCF + Masala Fee RCCL Cruise Fare + NCF + Masala Fee
Cancel for Any Reason? YES / 75% Future Cruise Credit NO YES / 75% Total Cost
Masala Fee Covered? NO YES YES
Trip Delay $500 $1,000 $1,000
Missed Connections Carrier Fault under Trip Delay $1,000 $1,000
Accident / Sickness / Medical $10,000 / $10,000 $50,000 $50,000
Emergency Evacuation / Repatriation $25,000 / $25,000 $50,000 $50,000
Baggage / Personal Effects $1,500 $1,500 $1,500
Baggage Delay $500 $500 $500
24/7 Worldwide Emergency Assistance YES YES YES
*** THIS CHART IS FOR COMPARISION ONLY. EXACT RATES WILL VARY BY ACTUAL CRUISE CHARGES. PLEASE SEE PLAN DETAILS FOR RESTRICTIONS
SCENARIO 1 ASSUME: CHARGE FOR 2 PEOPLE: RCCL CRUISE FARE $2000 + MASALA FEE $800 + NCF $470 + TAXES $382.32 = $3652.32
CANCEL FOR A COVERED REASON OPTION 1 OPTION 2 OPTION 3
Amount RCCL Refunds $382.32 $382.32 $382.32
Amount Future Cruise Credit for 1 Yr $1,852.50 ZERO ZERO
Amount Insurance Sends CREDIT - $1,852.50 + TAXES $382.32 $2,739.24 $2,739.24
Amount You Loose $1,417.50 $530.76 $530.76
SCENARIO 2 ASSUME: CHARGE FOR 2 PEOPLE: RCCL CRUISE FARE $2000 + MASALA FEE $800 + NCF $470 + TAXES $382.32 = $3652.32
CANCEL FOR A NON-COVERED REASON OPTION 1 OPTION 2 OPTION 3
Amount RCCL Refunds $382.32 $382.32 $382.32
Amount Future Cruise Credit for 1 Yr ZERO ZERO ZERO
Amount Insurance Sends TAXES $382.32 ZERO $2,739.24
Amount You Loose 3,270.00 $3,270.00 $530.76
Option 1: Royal Caribbean Travel Protection - Coverage Details Option 2: LeisureCare Classic L2 - Coverage Details Option 3: LeisureCare Cancel for Any Reason L3 - Coverage Details

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