Many people find cruises fun and exciting, but there are a number of risks to consider. Unforeseen events may cause vacationers to cancel trips and lose thousands of dollars while injuries and illnesses can become particularly expensive at sea. Cruise insurance can protect travelers from unanticipated financial burdens before and during their cruise.
Cruise Insurance: Facts, Features and Benefits
Cruise coverage is a type of travel insurance. It reimburses vacationers when qualifying incidents result in monetary losses due to a cancellation or interruption. The insurer may also offer help if a traveler misses their connection en route to a cruise and misses the cruise itself as a result. Trip insurance policies can cover the cruise and any related flights or hotel stays.
Travel insurance compensates passengers when unexpected events force them to cancel or delay cruises. For example, a spouse or parent could die shortly before the departure date. Severe weather can prevent vacationers from reaching a port. This kind of insurance may also cover luggage theft, sicknesses, injuries and dental emergencies.
Although large vessels provide medical facilities, they usually don’t have adequate personnel and equipment to treat serious wounds or illnesses. Some vacationers must return to land by medical evacuation, whether by helicopter directly from the ship or by plane from a port. This service costs tens of thousands of dollars, and your regular health insurance generally won’t cover this.
If a ship isn’t near the United States at the time of an emergency, a sick traveler may need to seek medical treatment in a foreign country. Most American health insurers and Medicare will not cover foreign medical treatment under standard coverage. Cruise insurance eliminates or greatly reduces out-of-pocket expenses.
There are many other possibilities. A traveler may need to appear in court for jury duty before a cruise. Flights to the port city could be canceled because of smoke from a wildfire. The cruise line might file for bankruptcy.
Most cruise companies will offer a single travel insurance policy choice to their customers. Many cruisers find that these plans can be more expensive and offer less coverage than plans that we offer, which is why comparing your options makes a lot of sense if you are going on a cruise.
Cruise insurance is similar to fire or flood coverage. The majority of customers never need to file a claim. Nonetheless, it offers an inexpensive way to eliminate a serious risk of financial hardship or ruin. It also frees vacationers from worrying about unexpected costs. Insurance usually increases the price of a cruise by anywhere from three to ten percent depending on various factors.
For even more information about Cruise Insurance coverage, check out our “Travel Insurance for Cruises” section.