The ABCs of Cruise Travel Insurance

A cruise is a great way to relax, do a bit of traveling, and enjoy the amenities of a large ship. But they’re not all endless buffets, docking day trips, and luxury—things can go wrong on cruises. It may sound far-fetched, but you would be wise to take out travel insurance for when the unexpected happens. Cruises can be a fantastic vacation but they are even better if you protect yourself with travel insurance. You’ll be able to have the time of your life without worrying about what might happen. Here are a few things that could go wrong and what you can do to make sure you are covered for them. 

Things Can Go Wrong

According to the Association of British Insurers, 153,000 people had to claim medical treatment on holiday in 2018. Especially when you consider that many people who go on cruises are older, there are medical risks that come with traveling in the seas. 

Injuring yourself or falling ill could not only lead to a hospital visit and a hefty bill. Luckily if it isn’t severe and the hospital confirms your ability to rejoin the ship, additional travel expenses will be insured. There are also insurance policies offering travel coverage that are not age restrictive. You should always have insurance for the sake of your health, but also for anything else that could go wrong during your voyage. 

In addition to your health, you could miss a port departure. Many cruises require that you take a flight to a port where the ship docks. If your flight is delayed, you may end up missing the boat and could need to meet up with the ship at the next stop. When you take out insurance for this, the additional expenses will be covered. Furthermore, if you’ve missed out on a trip that you booked due to becoming ill, you can claim money back on the tickets. 

When there are unforeseen circumstances like bad weather, timetable restrictions, problems with the ship, and other issues, these may result in a port being missed on the itinerary. The specialists at the site MoneyPug, which is known for being a platform to find cheap travel insurance, some policies will offer compensation for the money spent on shore. 

Since a cruise is typically longer than a typical holiday, people sometimes bring a lot of baggage on board. You can ask your insurance company about increased baggage coverage and avoid worrying about your possessions. 

Travel Insurance for a Cruise

While there are many travel insurance policies to choose from, you should look into companies and policies to find the best coverage for you and your trip. There are also different levels of insurance to choose from. Some even offer up to £50,000 or around $60,000 (USD) per person for cancellation and other expenses. 

When you are taking a cruise, you need to be careful that your travel insurance covers it. As it turns out, just 56 percent of single and 59 percent of annual policies include coverage for a cruise. Taking a cruise typically requires specialised insurance to be covered. These will insure you from when you purchase the cruise tickets to the entire time you’re gone. It should include all the countries you visit and excursions you take. This can be bought as an add-on or as part of your policy. 

Travel insurance can save you thousands of pounds when something goes awry. You should keep insurance high on your list. It not only will reimburse you if you lose out on something, it will give you the peace of mind you need to relax. 

Cruises can be both relaxing and fun, but you want to make sure that your health, bags, transit costs, and more are covered by a reputable insurance company. With a policy that works for you and your trip, you’ll have an even better time. 

Wherever you are going and for however long you’ll be there, getting cruise travel insurance will help you immensely should something go wrong. Cruises have been canceled for mechanical failures. If you don’t cover yourself for these unforeseen circumstances, you may have to pay money out of pocket. Don’t let this happen to you. Be prepared and take the trip of a lifetime!

John Shallo
John Shallo
John Shallo is the founder and editor of Cruise Addicts. Since 1999 it has been a leading destination for cruise travelers and self professed Cruise Addicts looking for the latest news, ship reviews and travel tips.

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