We estimate our cruise’s per person cost at $4,171, but we might add a shore excursion. What trip cost should we insure? Thanks, Diane P.
Great question Diane! As you said, you don’t know exactly what your final prepaid non-refundable trip cost will be. Therefore, I suggest you round your trip cost up to the top of the range which is $4,500 each.
It’s the same cost to you as $4,171. Plus, if you choose a plan with 150% trip interruption and you needed to return home early for a covered reason you’d have a higher limit after rounding your trip cost up to the top of the range.
Another benefit to you is when you’re trying to insure pre-existing conditions or get the Cancel For Any Reason benefit. Many plans’ rules include “you must insure the entire per person prepaid non-refundable trip cost“. If you under-insure the trip cost you’ll lose these benefits.
Depending on the plan, the per person trip cost is in $500 or $1,000 increments for trips of up to $10,000 per person. You can learn more about what’s included in your Trip Cost here.