Aon Infinity Travel Practice sells and administers Carnival travel insurance, and Nationwide Mutual Insurance Company underwrites it. Carnival also provides its own vacation protection waiver that allows policyholders to cancel a vacation for any reason not covered under Aon Infinity’s policies.
Carnival was founded in 1972 and is known as a byword for cruise-ship travel. The company travels to destinations across the globe, including England, China, Japan, Mexico, the Bahamas, and Alaska. Carnival has many departure ports, including several cities along both the east and west coasts of Canada and the United States, as well as ports in Puerto Rico, Barbados, and Australia.
The company aims to provide customers with a comfortable and accommodating travel experience. Vacations include various dining and entertainment options as well as room and board. In addition to travel insurance, Carnival offers guests a variety of services including an EasyPay plan that allows customers to make small payments on their vacation (rather than paying a large lump sum up front), and wedding planning services.
In addition to partnering with Aon Affinity Travel Practice and Nationwide Mutual Insurance Company, Carnival works alongside On Call International to provide a travel insurance plan that covers all the bases and offers policyholders 24-hour emergency assistance.
Aon Affinity Travel Practice is an experienced travel insurance provider, and an accredited member of several travel industry organizations, including the Cruise Lines International Association and the United States Travel Insurance Association.
Although customers purchasing insurance through Carnival don’t have access to Aon Affinity Travel Practice’s full range of insurance options, together, the companies have prepared a travel insurance offering that adequately meets the needs of most cruise travelers.
In the Carnival travel insurance review that follows, we will discuss at length the company’s plans, costs, and customer service. We will also discuss its affiliates at length to provide customers with a fair and unbiased evaluation of how Carnival Cruise Line’s vacation protection compares to insurance policies offered by other major travel insurance providers.
Although Carnival has only one travel insurance plan for its customers, the policy offers adequate coverage for individuals embarking on a cruise vacation. The plan has a “Cancel for Any Reason” waiver and ample medical, baggage, and evacuation coverage, as well as 24/7 travel assistance services. Carnival travel insurance’s Vacation Protection Package includes:
Carnival Travel Insurance Coverage
- Trip cancellation and trip interruption
- Medical and accident
Vacation Protection Package
This plan offers coverage specifically designed to accommodate the needs of travelers on a Carnival cruise.
The coverage is comprehensive and includes the following:
- Trip Cancellation: Provides a refund of 100 percent of the total trip cost if a vacation is canceled for a covered reason. It also includes Carnival’s Cancellation Fee Waiver, which offers travelers a travel voucher valued at 75 percent of the trip cost if they need to cancel for a reason not covered by the insurance policy.
- Trip Interruption: Provides travelers with a refund of up to 100 percent of the trip cost if they need to interrupt their trip for a covered reason.
- Baggage: Covers lost or stolen baggage and reimburses travelers with delayed luggage who need to purchase necessities.
- Medical: Covers policyholders who get sick or are injured while on their vacation.
- Emergency Evacuation: This section of the policy takes care of the costs of evacuation or repatriation if necessary due to illness or death.
- 24/7 Worldwide Travel Assistance: A hotline that provides emergency and concierge services to travelers.
|Covered Excuses||Vacation Protection Package|
|Tour Operator Cancellation|
|Injury/Illness/Death of Traveler||Yes|
|Injury/Illness/Death of Non-traveling Family Member||Yes|
|Injury/Illness/Death of Business Partner|
|Injury/Illness/Death of Host|
|Injury/Illness/Death of Hosts Family or Friends|
|Natural Disaster at Destination||Yes|
|Tour Operator/Airline/Cruise Line Ceases Operation||Yes|
|Terrorism/Evacuation at Destination||Yes|
|Home or Business Damaged||Yes|
|Jury Duty/Court Appearance||Yes|
|Victim of Crime Prior to Trip|
|Car Accident Prior to Trip|
|Theft of Passport Prior to Trip|
|CFAR Coverage (Cancel for any reason)||75 percent waiver by Carnival|
|Coverage||Vacation Protection Package|
|Trip Cancellation||100 percent of trip cost|
|Cancel for Any Reason||Yes, up to 75 percent of the trip cost|
|Trip Interruption||Up to 100 percent of the total trip cost|
|Interrupt for Any Reason||No|
|Accident and Sickness Medical Expenses||$10,000|
|Emergency Evacuation, Medically Necessary Repatriation, and Repatriation of Remains||$30,000|
|Non-Medical Emergency Evacuation||No|
|Accidental Death and Dismemberment (AD&D)||No|
|Air Flight Only AD&D||No|
|Baggage and Personal Effects||$1,500|
|Change Fee Coverage||No|
|Reimbursement of Miles or Rewards Points||No|
|Rental Car Damage||No|
Although Carnival offers policyholders the opportunity to cancel for any reason, this part of the plan has some stipulations.
While the insurance policy underwritten by Aon Affinity Travel Practice offers coverage for a list of cancellation excuses, Carnival’s Cancel Fee Waiver Program provides coverage for reasons not listed as part of the plan.
When policyholders use the “cancel for any reason” waiver, they do not receive a full refund on their vacation but rather a voucher for a future Carnival vacation worth 75 percent of their total trip cost.
Carnival Travel Insurance Costs
When budgeting for a vacation, its best to set aside an amount approximately 4 to 8 percent of the total cost of travel. However, it’s important to keep in mind that this range is based on the average vacation and may vary depending on several factors, including the traveler’s age and health condition, the date, length, and method of travel, and the destination. It’s best to contact Carnival directly to receive an accurate quote.
On Carnival’s website, the company notes that travel insurance plans start as low as $49, which is a competitive rate. However, there are no details on what type of cruise or traveler the $49 plan covers, so it’s important to do further research to determine the exact cost.
If policyholders wish to cancel their policy, Carnival provides a full refund of paid insurance premiums within ten days of the policy’s purchase date, provided no claims have been filed.
Customer Reviews & Reputation
Aon Affinity Travel Practice sells and administers Carnival cruise travel insurance, so Aon Affinity is responsible for all claims processing and other policy services. Therefore, it’s best to consider customer reviews and ratings for Aon Affinity when looking into a Carnival travel insurance policy.
Aon Affinity Travel Practice has an A+ rating from the BBB. This is indicative of the company’s honesty and transparency, as well as its responsiveness to customer inquiries and complaint resolution. The company has received a total of 154 customer complaints in the past three years, with 49 of these posted in the past 12 months.
Most recently, common issues relate to the company denying claims, and to processing speeds. Many customers complain about the amount of documentation and verification the company requires when filing claims.
On Trustpilot, Aon Affinity Travel Practice has a TrustScore of only 3.2 out of 10. TrustScores are based on the reviews and ratings from past and current customers of the Aon Affinity Travel Practice. Although the company has some positive reviews, particularly regarding efficient claims processing and customer service, the majority of the reviews posted on Trustpilot are poor.
Complaints are similar to those on the BBB website and pertain to the company’s claims process, which is generally slower than many competitors and requires a significant amount of documentation.
Customer Assistance Services
Carnival travel insurance provides its customers with superior customer assistance, including a 24/7 Worldwide Travel Assistance hotline.
Carnival’s travel assistance services are provided by On Call International, which offers concierge services and travel and medical assistance in the event of emergencies.
Carnival’s policyholders can submit their claims in three ways: online, over the phone, or by mail.
Carnival travel insurance does not offer its customers a mobile app, which is one area where the company is lacking in comparison to its competitors.
Choosing a travel insurance plan requires a considerable amount of research. It’s important to find a provider that can offer reasonable coverage at an affordable rate, but it’s also crucial that travelers purchase insurance from a reputable company with a strong financial profile.
Purchasing insurance from a company with poor credit ratings comes with the risk of filing claims that the company can’t honor. Consumers can research the credit ratings of insurance providers by requesting information from an independent rating agency such as AM Best, Moody’s, or Standard and Poor’s.
Nationwide Mutual Insurance Company underwrites Carnival cruise travel insurance. The underwriter is financially responsible for insurance policies, so when considering the financial stability of an insurance provider, it’s best to research the company that provides underwriting services.
Nationwide Mutual Insurance Company has a financial strength rating of A+ with AM Best and Moody’s, and of A1 from Standard and Poor’s. These ratings both indicate superior financial stability and provide policyholders with the assurance that the company is fully capable of honoring policies written by Carnival.
Carnival Travel Insurance Phone Number & Contact Information
- Homepage URL: https://www.carnival.com
- Provider Phone: (800) 764-7419
- Headquarters Address: 3655 NW 87th Ave, Doral, Florida
- Year Founded: 1972