Should You Buy Paul Gauguin Cruise Insurance?
Paul Gauguin is a small US-based luxury cruise line sailing the South Pacific. The company’s namesake, Paul Gauguin, spent ten years in the Polynesia area painting and living with locals.
The cruise line offers two trip insurance options through TripAssure: Asset and Bridge. Generali Global Assistance underwrites the policies.
The Bridge plan provides $100,000 Medical Insurance and $500,000 Medical Evacuation.
Unfortunately, neither of the Paul Gauguin insurance policies offer Cancel For Any Reason.
When you book your cruise online, Paul Gaugin offers travel insurance at check out. You are never obligated to buy insurance through a cruise line. They are not licensed travel insurance agents, so they cannot explain anything in the plan.
All travel insurance policies on AARDY can cover your cruises, flights, and excursions.
For this review, we compare Paul Gauguin trip insurance to comprehensive travel insurance available at AARDY.
Why Do I Need Travel Insurance?
Everyone plans vacations for fun and relaxation, not a catastrophe.
Yet, unexpected events happen, like flight delays, lost baggage, or a sudden illness. Travel insurance protects you when unforeseen out-of-pocket expenses occur.
When you shop for travel insurance plans, look for policies with strong:
- Trip Cancellation
- Trip Interruption
- Medical Insurance
- Emergency Medical Evacuation
Some policies also include extra benefits that activate shortly after paying your first deposit:
- Pre-existing Medical Condition Waiver
- Cancel for Work Reason
- Cancel for Any Reason
If you wait more than 3 weeks after paying the deposit to buy travel insurance, you may be ineligible for the above benefits.
Our Cruise: South Pacific Islands
Our sample trip is a 13-night cruise for a couple ages 60 and 55. The cruise costs $18,450 for both travelers.
We compare Paul Gauguin Insurance with two policies at AARDY.
Quotes for the two Paul Gauguin plans:
We always recommend travelers leaving the US take at least $100,000 Medical Insurance and $250,000 Medical Evacuation. Whenever possible, we also urge travelers to get a Waiver of Pre-existing Conditions.
First, we consider the Trawick First Class because it is the least expensive plan that meets our recommended minimums.
Then, we compare Paul Gauguin with the least expensive Cancel For Any Reason plan on AARDY’s website for this trip: Seven Corners RoundTrip Choice (CFAR 75%).
Here is the side-by-side comparison of all four plans:
Price and Value
Each Paul Gauguin plan has robust Medical Evacuation, Baggage, Travel Delay, and Accidental Death coverage. Also, both Paul Gauguin policies offer a Pre-existing Condition Waiver. The Asset plan falls short on Medical Insurance, while the Bridge plan hits the mark at $100,000.
We also like to see Cancel For Work Reasons on cruise line policies, since few offer that flexibility.
However, the Asset plan falls short on Medical Insurance and only offers a 125% Trip Interruption benefit (most offer 150%). Most problematic is that neither policy offers a Cancel For Any Reason option.
For about $25 difference, the Trawick First Class gives you 3x more medical insurance and $500,000 more Evacuation coverage than the Asset plan. It provides 2x the Medical Insurance and 2x the Medical Evacuation than the Bridge plan for $300 less.
For about $300 more, Seven Corners RoundTrip Choice lets you Cancel For Any Reason with a 75% cash benefit.
In summary, the Paul Gauguin plans don’t make financial sense when you see the value for the dollar that other policies available on the Travel Insurance Marketplace offer.
Cancel Your Trip – Get a Refund
Trip Cancellation insurance reimburses 100% of your costs if you cancel your travels for a covered reason named in the policy.
Typically, Trip Cancellation protects you from:
- Unforeseen illness, accidental injury, or death
- Inclement weather that stops services
- Traffic accident en route to the destination
- Hijacking, quarantine, jury duty
- Fire, flood, burglary, or natural disaster
- Involuntary layoff
- Theft of passports or visas
- Mandatory evacuation due to adverse weather or natural disasters
- Called to military service due to natural disaster
- Carrier bankruptcy
We are pleased to see Paul Gauguin provides a full list of covered cancellation reasons, including all of the above, plus:
- Injury, illness, or death of service animal
- Vacation rescinded
- Company merger
- School year unexpectedly extended
- Academic exam rescheduled
- Adoption proceedings
- Organ transplant
If you need to cancel your trip for a reason not covered on the policy, like a pandemic, you require a Cancel For Any Reason plan.
Cancel For Any Reason
Cancel For Any Reason reimburses 75% of your prepaid non-refundable trip costs.
Lots of things can happen that are not covered by travel insurance and require Cancel For Any Reason:
- Sick pet
- Country closes borders
- Cruise line canceled but did not refund your money
- Destination wedding called off
- Feel it’s too dangerous to travel
- Activities at destination closed
- Special needs child has a meltdown
- Change your mind
However, Cancel for Any Reason has a few rules to activate the coverage:
- Purchase travel insurance within 10-21 days of your initial trip payment or deposit.
- Insure 100% of the prepaid travel arrangements that are subject to cancellation penalties or restrictions.
- Cancel your trip 48 hours or more before your scheduled departure date.
- Cancel For Any Reason reimburses 75% of your total trip costs.
AARDY’s Seven Corners RoundTrip Choice (CFAR 75%) for $1,677.20 includes Cancel For Any Reason.
Paul Gauguin does not offer Cancel For Any Reason to its customers.
Return Home Early - Interruption
Trip Interruption covers you if a covered circumstance occurs while you’re on the trip and end it early. Travel insurance reimburses for the unused portion of your trip and the extra cost of transportation home.
Usually, the covered interruption reasons are identical to the policy’s cancellation reasons.
Most policies provide up to a 150% trip cost refund for the interruption. Others only cover 100-125%. The amount over 100% helps cover return transportation costs.
Medical Insurance Pays for Overseas Hospitalization
Most people don’t realize their medical insurance in the United States may not follow them abroad. Plus, Medicare does not pay providers outside the US. Some Medicare supplements have $50,000 emergency-only coverage after you pay a deductible and 20% copay. After $50,000, you are responsible for paying the rest.
The US State Department only helps with diplomatic issues, not medical catastrophes. They cannot provide any financial support if you have a medical emergency outside the US.
Travel Medical Insurance covers hospitalization, surgery, labs, x-rays, treatment, drugs, and more.
As discussed, AARDY recommends a minimum of $100,000 Medical Insurance when you travel outside the United States. Less than $100,000 is not enough if you suffer a severe injury or illness.
The Paul Gauguin Asset plan only includes a medical limit of $50,000 limit, and the Bridge policy has $100,000.
However, you will get more protection for your money at AARDY. The Trawick First Class has $150,000 Medical Insurance, and the Seven Corners RoundTrip Choice brings $100,000 for medical treatment.
Emergency Medical Evacuation Brings You Home
Your private medical insurance does not pay to evacuate and repatriate you home after an incident.
If you suffer a heart attack on your cruise, you need immediate Medical Evacuation to the nearest hospital. Medical Evacuation pays for air and ground transportation, so you will reach treatment quickly.
Evacuation insurance also repatriates after an emergency. If you are well enough, you can take a commercial flight. If you’re in critical but stable condition, private air transport drops you off at the hospital closest to your home. Adequate Evacuation coverage makes sure you don’t foot the air transportation bill of $15,000-25,000 per flight hour.
Both Paul Gauguin programs have $500,000 Medical Evacuation coverage, which meets our recommended amount. Trawick First Class has $1,000,000, and the Seven Corners RoundTrip Choice (CFAR 75%) includes $500,000.
Emergency Medical Evacuation provides peace of mind. Travel insurance takes care of the costly details so you can focus on healing.
Suppose you are in the airport about to board a flight and hear the speakers announce that your flight will be delayed eight hours. As the hours tick by, night falls, and you consider sleeping in the airport.
Instead, get a hotel using your travel insurance. Travel Delay benefits reimburse you for a hotel, meals, taxis, and phone calls. Remember to save your receipts.
What happens if a flight delay makes you miss your cruise? Most travel insurance policies include a Missed Connection benefit.
It helps cover the additional transportation expenses to join your trip. Typically, it also covers accommodations and meal expenses.
Trawick First Class and Seven Corners RoundTrip (CFAR 75%) each offers $1,000 per person for Missed Connection reimbursement.
The Paul Gauguin policies do not provide the Missed Connection benefit as separate protection. Instead, they strangely built it into Trip Interruption. If your delay joining the cruise is also a covered interruption, it only pays the benefits up to the Trip Interruption limit.
Accidental Travel Insurance
Accidents happen on trips, but they aren’t usually catastrophic. Unfortunately, sometimes they are. Accidental Death and Dismemberment (AD&D) pays you a lump sum if you lose a limb or eye during your trip. Likewise, if the accident is fatal, it delivers a death benefit to cover funeral expenses.
Both Paul Gauguin Insurance policies pay up to $25,000 for a covered accidental death or dismemberment.
Respectively, the Trawick First Class policy has a $25,000 benefit while Seven Corners RoundTrip Choice (CFAR 75%) covers up to $10,000 per person.
Alternatively, Medical Evacuation pays to repatriate the remains to your hometown.
Shop Around and Save Money
Paul Gauguin Cruise Insurance plans provide comprehensive coverage. Still, one falls short on medical, while neither offers Cancel For Any Reason. On the whole, both policies are overpriced for the level of coverage they deliver.
We recommend reviewing all of your options before buying the first insurance someone offers. You’re never obligated to purchase insurance from the cruise line.
When you shop with AARDY, you will always receive the lowest possible price. Travel insurance plans are regulated by states. No marketplace or insurer can sell the same policy for less—the law guarantees it.
Talk with a Travel Insurance Agent
AARDY will tailor your travel insurance to your specific travel concerns.
For instance, “I scheduled a private scuba diving event. Will I get reimbursed if I cancel my trip?
“What happens if the country closes its borders? Will I get my money back?”
“My mother is in a nursing home. If she goes into the hospital, or worse, passes, is this covered for cancellation?”
When you tell us what matters, we can find the best policy that meets your needs and fits your budget.
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