Why Aegis Travel Insurance is Better Than Princess Cruise Insurance

Whether through the phone, on the website, or via your travel agent, Princess Cruises makes it easy to add one of its two travel insurance policies to your trip. While the convenience of bundling insurance directly with your cruise might seem appealing, it’s worth taking a closer look. Cruise line policies can come with limitations and gaps in coverage that might leave you navigating more than just the high seas.

From the risk of steep medical bills to refunds issued as cruise credits instead of cash, Princess cruise insurance often falls short of what travelers truly need. Its Princess Vacation Protection (PVP) Standard and PVP Platinum policies both leave room for improvement.

In today’s cruise insurance comparison, we’ll explore why Aegis delivers more comprehensive travel insurance than Princess Cruises. 

Aegis Provides Comprehensive Coverage for All Aspects of Your Trip

So, what is the difference between Aegis and Princess cruise insurance? Aegis travel insurance offers more extensive coverage than Princess, protecting you from a broader range of risks beyond just your cruise — like medical emergencies and non-cruise-related travel disruptions. Plus, Princess cruise insurance isn’t available to residents in New York, British Columbia, Quebec, Puerto Rico, or Mexico. 

• Medical Emergencies: Aegis offers up to $100,000 in medical coverage for illnesses or injuries incurred at any point during your journey, including before and after your cruise. The PVP Platinum and Standard plans only offer $10,000 and $20,000, respectively, and limit emergency travel coverage to incidents that occur during your cruise. 
• Trip Cancellation for Any Reason (CFAR): Aegis offers optional CFAR coverage, allowing you to cancel your trip for reasons not covered by traditional policies and receive 75% of the trip cost back via check, no strings attached. Princess CFAR travel insurance, on the other hand, reimburses the cancellation fee in the form of future cruise credits.
• Baggage and Personal Items: Aegis offers $750 for delayed baggage and $1,500 for luggage that is lost, stolen, or delayed throughout your entire trip, not just while you’re on the ship. This coverage extends to flights, hotels, and any other non-cruise travel. Princess Cruise Insurance only offers $500 for delayed baggage, and it must be on the ship.

Aegis Cruise Insurance Offers Flexibility to Suit Your Unique Travel Plans

When it comes to flexibility, Aegis is the clear winner over Princess cruise insurance. You might be wondering, “Can I customize my travel insurance plan with Aegis?” Yes, you can!

Aegis offers policies that can be tailored to meet your exact travel needs, whether you’re cruising, flying, or road-tripping. In contrast, Princess cruise insurance offers just two policies that are designed for ship passengers only. 

• Customizable Plans: Aegis allows you to fine-tune your cruise insurance to match your needs, whether higher limits for lost luggage insurance or additional protection for rental cars. Princess only offers two one-size-fits-all policies with limited customization options, leaving gaps if your travel plans extend beyond the cruise. 
• Multi-Trip Insurance: Aegis provides annual multi-trip policies, which are ideal if you plan to travel multiple times a year. Multi-trip plans can save you money and hassle by covering multiple trips under a single policy, which is a feature Princess cruise insurance doesn’t offer. Instead, you’ll have to purchase separate Princess cruise insurance for every voyage. 
• Adventure and Off-the-Beaten-Path Coverage: Aegis plans include adventure travel insurance that younger travelers might seek out, such as scuba diving or hiking, making it more appropriate for passengers who want to explore destinations beyond the ship. Princess cruise insurance may have exclusions for these high-risk activities. Alt Text: Smiling mother and two children with backpacks boarding a cruise ship via a gangway.

Aegis Cruise Plans Offers Superior Medical and Emergency Coverage

Travel insurance with medical coverage is arguably one of the most important, if not the most important, aspects of cruise insurance — and there’s no question that Aegis travel insurance surpasses the coverage of Princess cruise insurance. Aegis offers more robust medical and emergency evacuation travel insurance than both Princess policies, which is particularly crucial for more vulnerable senior travelers. 

• Medical Evacuation Travel Insurance: Aegis offers up to $250,000 to cover emergency medical evacuation services, ensuring that you are transported to the nearest appropriate facility, whether on land or at sea. The PVP Platinum and Standard plans only offer $50,000 and $75,000, respectively, which can leave you with out-of-pocket costs. 
• Pre-Existing Conditions Coverage: Aegis provides coverage for pre-existing conditions, such as asthma, cardiovascular illnesses, cancer, and diabetes, if you purchase the policy within a specific window before your trip. In comparison, Princess cruise insurance lists pre-existing conditions as exclusions for medical, interruption, or delay expense coverage.
• Global Coverage: Aegis travel insurance is valid worldwide, so you can have peace of mind no matter where your travels take you. Princess cruise insurance is often restricted to the duration of the cruise itinerary and likely will not extend coverage if you travel to other countries before or after your cruise, creating gaps in your protection.

Aegis Has More Affordable Options with Better Value than Princess Cruise Insurance

Another area where Aegis outshines other cruise insurance providers is value for money. While the PVP Platinum and Standard plans might seem cost-effective, one look at Princess cruise insurance reviews will reveal these policies often provide less coverage for more money. Aegis gives you the option to choose from a variety of affordable plans with greater coverage for protection that doesn’t break the bank. 

• Better Premiums for Extensive Coverage: Aegis offers comprehensive travel insurance at competitive rates. Princess cruise insurance may come with hidden limitations and higher deductibles, whereas Aegis provides more value for the cost, including benefits like CFAR travel insurance, extensive medical coverage, and better evacuation coverage.
• Cost-Effective Family Plans: Aegis provides cost-effective family travel insurance to protect every family member without the additional per-person charges often seen with cruise line insurance. Affordable family bundles can lead to significant savings, especially for large families gearing up to travel together on a Princess Cruises voyage. 
• Available Upgrades for Ultimate Protection: If you want more peace of mind, Aegis allows for flexible upgrades on key coverages like medical emergencies, travel delays, and lost luggage insurance. Neither of the two Princess cruise insurance policies can be updated to provide you with additional upgrades on desired coverages. 

Aegis vs. Cruise Insurance from Princess: The Winner is Clear

When it comes to the comparison between Aegis and Princess cruise insurance, the numbers speak for themselves. Aegis delivers far more comprehensive travel insurance for every stage of your journey: before, during, and after your cruise. Whether it’s family travel insurance plans or travel insurance for seniors, Aegis stands out as the best travel insurance for cruises, offering superior protection at affordable rates. 

Discover the coverage that awaits with the Aegis Go Ready Cruise Plan today!