Is American Queen Steamboat Cruise Insurance Good?
American Queen Steamboat Company is an American cruise company that operates river cruises throughout the US. They cruise the upper Mississippi, the lower Mississippi, Ohio, Tennessee, Columbia, and Snake Rivers.
American Queen insurance comes in a one-size-fits-all package. It’s a comprehensive plan, not just cancellation insurance, but offers weak overall benefits.
Depending on your residence, BCS Insurance Company or Jefferson Insurance Company underwrites a cruise insurance plan from Allianz.
Since you cannot book your American Queen Steamboat cruise online, you cannot buy travel insurance at check out. The only way to purchase their plan is over the phone with one of their representatives or your travel agent.
In this review, we will examine the American Queen Steamboat Company travel insurance plan and coverage options you can find at a comparison website like AARDY.
Our American Queen Cruise: Southern Sampler
Our cruise is a 9-day journey along the lower Mississippi River. The trip costs $4,396 for two travelers ages 55 and 60.
American Queen Steamboat Company trip insurance costs $410.
What other cruise insurance options do you have?
We received two dozen quotes from AARDY’s website. We chose the least expensive plan with a Pre-existing Medical Condition Waiver. The Waiver makes sure you have no gaps in coverage in case a Pre-existing Condition forces you to cancel or interrupt your trip.
The first plan we compare is the Trawick First Class for $231. Although its medical insurance is great for international travel, this plan happens to be the least expensive overall with a Pre-existing Condition Waiver.
Then, we find the least expensive plan with Cancel For Any Reason: Seven Corners RoundTrip Choice (CFAR 75%) for $350.
Both of these plans
from AARDY cost less than American Queen’s insurance plan.
Price and Value
Of the three options, Seven Corners RoundTrip Choice (CFAR 75%) offers the most value. Not only is it less expensive than the American Queen Steamboat Company’s travel plan, but it also has a higher level of Cancellation coverage.
While American Queen’s insurance is adequate, it is too expensive and not a good value for your money.
Cancel Your Trip – Receive Refund
When you invest in a costly dream trip, it’s natural to want to protect it. Unexpected things happen, and you can prepare for them.
What if you unexpectedly fall sick and you can’t go on the trip? Or a family member becomes ill, and you must cancel your trip to care for them?
The most common reason for trip cancellation is an unexpected illness, injury, or death of a traveler, traveling companion, or family member. Luckily, Trip Cancellation reimburses the Trip Cost if you must cancel due to a covered reason.
Covered cancellation reasons for the American Queen Steamboat Company’s travel plan includes:
- Unforeseen illness, accidental injury, or death
- Quarantine, subpoena
- Traffic accident
- Host dies
- Divorce or separation
- Destination or home uninhabitable
- Natural disaster, severe weather, strike, or FAA mandate
- Involuntary termination
- Military leave revoked
- Mandatory evacuation
Covered cancellation reasons for Trawick First Class and Seven Corners RoundTrip Choice (CFAR 75%) plans include most of the above, and:
- Hijacking, jury duty
- Bankruptcy or default of carrier
- Victim of assault
Because American Queen Steamboat Company is a relatively small cruise line, you should be protected if they went into bankruptcy. Take note, the cruise line’s policy does not cover default.
Unfortunately, we see this all the time with cruise lines, especially the large ones. Typically, they sell very expensive travel insurance plans with weak benefits that do not safeguard their customers from bankruptcy. Fortunately, all plans at AARDY include financial default as a covered cancellation reason.
If you cancel for a reason not covered by the policy, like a pandemic, you need Cancel For Any Reason.
Cancel For Any Reason
What if you or your traveling companion suffers from anxiety and get a panic attack a few days before departure? You want to cancel the trip, but because a panic attack is a psychological condition, Trip Cancellation does not cover it. In fact, all travel insurance plans exclude mental health cancellations.
Other times, travelers change their minds. If your destination was affected by a pandemic that did not exist when you booked your trip, you might want to cancel. Likewise, you might face travel restrictions, travel bans, or border closings. All of these fall under Cancel For Any Reason because they are not covered by standard cancellation.
Consider policies like Seven Corners RoundTrip Choice (CFAR 75%) to protect you against the unexpected. Nobody expected a pandemic to occur, but it did. It wasn’t covered by travel insurance. Cancel For Any Reason gives you the flexibility to cancel your trip for any or no reason.
How does Cancel For Any Reason work? All CFAR plans have guidelines to activate the coverage:
- Purchase the travel insurance within 10-21 days of the initial trip payment or deposit
- Insure 100% of all pre-paid and non-refundable trip costs
- Cancel more than 2 days before the departure date
- You will receive a 75% refund of the trip costs
One other note to keep in mind: you must be fit to travel at the time you purchase insurance.
For example, let’s say you have a surgery scheduled between now and your departure date. You are waiting until post-op recovery to make a decision about whether you will travel. If you are not fit to travel the day you buy the insurance but hope to be fit the day of travel, the policy will not cover anything. Travel insurance is invalid if the insured is not fit to travel on the date of purchase.
The benefit of Cancel For Any Reason travel insurance is that it gives you peace of mind. You will not lose all of your trip cost investment no matter what your cancellation reason.
End Your Trip Early – Partial Refund
Occasionally, travelers experience difficulties while traveling. Maybe you get sick or injured and cannot continue on the cruise. Other times, it’s bad news from back home, and you have to return home early.
Trip Interruption cruise insurance refunds you for the unused portion of the cruise and the additional cost to return home early. If the interruption is temporary and you can return to your cruise, interruption benefits also cover transportation costs to rejoin the group.
When you see a covered Trip Interruption benefit at 150%, you might wonder how that works. The original 100% refers to the cost of the trip. The additional 50% covers the additional transportation costs.
Travel Medical Insurance Helps If You Get Sick Abroad
Accidents happen. If they happen on your trip, it is unlikely your personal health insurance will pay for much, if any, of the costs. They might require that you get pre-certification before any treatment and that you pay out-of-network expenses.
Also, Medicare does not pay providers outside the US. Some Medicare plans cover up to $50,000 of emergency-only treatment, but you must pay a deductible and up to $10,000. If your treatment exceeds that amount, you pay for it yourself.
You cannot rely on the US State Department, either. They do not help Americans abroad with medical expenses.
In short, traveling without international medical insurance could leave you stranded in a foreign country going deep into debt, draining your retirement nest egg.
Travel Medical Insurance alleviates worries about unexpected health costs. It covers you for your entire trip duration, so you don’t need to worry about networks.
For small medical issues, like a brief visit to urgent care, you pay out of pocket. Keep your receipts and claim for reimbursement once you are home. For more complicated situations, like hospitalization, travel insurance guarantees payment, so you don’t pay out-of-pocket expenses.
Medical Evacuation Transports You Home
If you have a medical emergency, Evacuation insurance transports you to the nearest medical facility able to treat your condition.
It is easy to picture something drastic when you think of Medical Evacuation, such as an airlift in a medical helicopter. However, Medical Evacuation can be as simple as a ride in an ambulance. Evacuation insurance provides for both situations.
Once you receive treatment, the doctor will determine when you are stable enough to move. Medical Evacuation returns you to a hospital near your home if you need continued treatment. The transportation method depends on your condition. The physician and the travel insurance’s medical evacuation team coordinate your trip home.
Their goal is simple: get you patched up and home as soon as possible.
Cover Pre-existing Medical Conditions
Pre-existing Condition is one of those phrases that makes everyone’s blood pressure go up a bit.
It’s not all bad news when it comes to travel insurance. Most plans are not interested in your full life history. Typically, they only care about the last 60-180 days of your medical history.
However, most policies offer a Waiver that lets the policy cover all Pre-existing Medical Conditions. Because a Waiver closes coverage gaps, AARDY recommends all travelers purchase a plan that has a Waiver whenever possible.
Suppose you were treated for a back injury three months ago. Your doctor cleared you to travel. You both expect a full recovery before you leave for your trip. But you reinjure your back, or it suddenly worsens, and you can’t go anymore. The Pre-Existing Medical Conditions Waiver lets you use Trip Cancellation coverage.
Similarly, if the same problem required treatment during your treatment, the Waiver allows the policy’s Medical Insurance to cover you. It is essential to have the Pre-Existing Medical Exclusions Waiver on your travel plan.
How to Get the Pre-existing Condition Waiver
First, you must be medically fit to travel the day you buy your insurance.
Second, purchase the travel insurance shortly after you pay your initial trip deposit. Buy the plan within 10-21 days from your deposit date to qualify for the Waiver. The initial trip deposit date is critical to the coverage of Pre-Existing Conditions.
American Queen trip insurance provides the Waiver when you buy the plan within 14 days of your Initial Trip Deposit date.
Similarly, Trawick First Class also has a 14-day window in which you can buy a Waiver with the policy. Seven Corners RoundTrip Choice (CFAR 75%) gives you 20 days to set up the program.
If you bought the policy too late to include the Waiver, travel insurance still covers your older, stable conditions. Both Trawick and Seven Corners cover Pre-existing Conditions if they are older than 60 days before the date you bought the policy.
American Queen Pre-existing coverage is not as generous without the Waiver. They look at the 120 days before you bought the policy to see if you have any Pre-existing Conditions.
In summary, you still have options if you missed the opportunity to cover Pre-Existing Medical Conditions on your American Queen cruise insurance. Choose another policy like Trawick International First Class or the Seven Corners RoundTrip Choice (CFAR 75%) that have shorter 60 day Pre-existing Condition periods.
Shop Around for the Best Travel Insurance Protection
Before you purchase the first policy someone offers you, compare travel insurance policies, so you buy the best coverage.
You’ll save money and have better protection when you shop around. You can find plans like Trawick First Class or Seven Corners RoundTrip Choice (CFAR 75%) at AARDY that offer lower prices and better benefits than the cruise line.
Can I Save Money Buying Directly from the Insurer?
No. All insurance rates are set by state insurance departments. Therefore, a marketplace like AARDY will always show the lowest possible price, even compared to the insurer directly.
AARDY’s fast quoting tool checks prices for your trip through multiple insurers. You always get the best value.
Still don’t know what to look for in a travel policy? Have a question not discussed here? Our agents are ready to help.
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