For international and domestic travelers, purchasing travel insurance is an invaluable way to protect yourself and your family from unexpected events. If you’re looking for affordable plans designed for cruises, basic cruise insurance is the place to start. With customized insurance based on your age, trip cost, length and travel itinerary, policyholders can enjoy the security of comprehensive benefits without paying for excess coverage. On average, travelers can purchase coverage at roughly 5%-8% of the cruise fare or the price of one on-shore excursion, which makes it a great value.
Basic coverage for cruises includes comprehensive benefits, low deductibles and affordable travel insurance rates. For a minimal investment, policyholders can purchase trip interruption coverage with protection against significant travel delays affecting more than 50% of your trip. Some affordable travel insurance plans even offer basic coverage that includes benefits for delays due to inclement weather and labor strikes. Affordable cruise insurance plans also include 24/7 travel assistance and medical coverage for injuries, illnesses and emergency evacuations.
Premium plans and basic plans both offer secondary upgrades that can be purchased as a package or as individual add-ons. Comparing rates between basic and premium plans is a great way for families to find the right level of coverage at the right price. Some premium insurance packages include cost-saving benefits like free coverage for children traveling with an insured adult. For a family traveling on a cruise, a package that offers complimentary coverage for children can reduce expenses when compared to purchasing four individual policies.
Purchasing travel insurance upgrades can keep your rates affordable while ensuring your have coverage for every possible scenario. All vacationers who plan on engaging in adventure sports, on-shore excursions, hiking, mountain climbing and water sports should consider purchasing an adventure sports upgrade to avoid exclusions and claim denials on injuries related to these dangerous sports. When you are booking a cruise many months in advance, optional trip cancellation benefits can help mitigate loses on non-refundable deposits and payments if you are unable to travel for a reason that is not specifically named on the policy.
Affordable travel insurance for cruises is easy to find with policies that are tailored to trip length and cost. Whether you are booking a five day or a five week cruise, policyholders only need to purchase coverage for the value and length of their trip. Sometimes it pays to spend a little extra on tailored policy upgrades for adventure sports, pre-existing conditions and trip cancellation for savings in the long run.