What is Luxury Cruise travel insurance?
A Luxury Cruise involves a sophisticated onboard vacation with a variety of exotic destinations, lavish and premium accommodations, exclusive experiences and high-end personalized service. To safeguard these high-end investments on the trip, A special Luxury Cruise travel insurance is required.
What does Luxury travel insurance for cruise cover?
- Trip Cancellation and Interruption Coverage: Reimburses non-refundable expenses if your cruise trip is canceled or interrupted due to covered reasons such as illness, injury, or unforeseen events. As significant amount of costs is associated with Luxury travel, some plan offer "cancel for any reason" (CFAR) coverage which provide comprehensive protection.
- Travel Delay Coverage: Compensates for expenses incurred because of trip delays which is particularly important for Luxury travelers with tightly scheduled itineraries involving private charters or exclusive events.
- Adventure and Activity Add-Ons: For Luxury travelers engaging in high-risk activities such as heli-skiing or deep-sea diving, additional coverage ensures these expenses are protected.
- Medical and Evacuation Coverage: Covers emergency medical expenses while hospitalized and provides for emergency medical evacuation to appropriate facilities. High coverage limits (e.g., $500,000 or more) are recommended, when traveling to remote or international destinations where medical care may be limited. As a senior citizen going aboard on a Luxury Cruise needs high end comprehensive travel insurance as they are more prone to potential risks. Many seniors have existing health conditions and it important to select a policy that offers Luxury Cruise insurance for pre-existing conditions to ensure that any related medical issues during the cruise are covered.
- Baggage and Personal Belongings Coverage: Protects against loss, theft, or damage to personal items, including high-value belongings like designer luggage, jewelry, and electronics. Do check if the policy’s reimbursement limits align with the value of your belongings.
How much does Luxury Cruise travel insurance cost?
The cost of Luxury Cruise insurance with trip costs ranging between $10,000 to $100,000, ranges between $507 and $17,502 for a 15-day duration. The Cruise insurance cost depends on the age of traveler, cruise length, cruise destination and duration of trip.
For example here we are showing the cruise insurance cost for a 60 year old traveler for a trip of 15 days.
| Plan Name | Trip Cost $10,000 | Trip Cost $50,000 | Trip Cost $100,000 |
|---|---|---|---|
| Itravelinsured Choice | $507 | Not Available | Not Available |
| Itravelinsured Lite | $708 | Not Available | Not Available |
| Itravelinsured SE | $720 | $3,822 | $7,642 |
| Safe Travels Voyager | $766 | $4,808 | $9,512 |
| Cruise Travel Insurance | $768 | Not Available | Not Available |
| Trip Protection Choice | $987 | $4,543 | $9,132 |
| Trip Protector Economy | $1,044 | $6,657 | Not Available |
| Travel Insurance Select Elite | $1,381 | $6,905 | $13,810 |
| Itravelinsured LX | $1,240 | $8,752 | $17,502 |
Source: AmericanVisitorInsurance
How to choose the best premium travel insurance?
When choosing a premium travel insurance for cruise select a policy with high coverage limit of at least $500,000 to $1,000,000. The policy must offer emergency medical evacuation coverage of unlimited or high-limit, particularly if traveling to remote locations. Make sure it covers the full cost of Luxury bookings, including private jets, yachts, and premium resorts and accommodations. Check for policies which offer coverage for high-value items or Luxury goods (watches, jewelry, designer bags, electronics).
Are there cruise insurance plans which cover high medical expenses and trip costs?
Absolutely! We have Luxury travel insurance for cruises which can cover expensive trip related costs and these plans are from IMG:
Itravelinsured LX
- This is the trip insurance plan from IMG and provides up to $500,000 per person for accident and sickness medical expense and $1000 per trip for dental expenses.
- This plan provides up to $1000,000 for Medical Evacuation and Repatriation expense.
- Rental Car damage and Theft coverage available for up to $40,000 per covered vehicle.
Itravelinsured SE
- This is the trip insurance plan from IMG and provides up to $250,000 per person for accident and sickness medical expense and $1000 per trip for dental expenses.
- This plan provides up to $500,000 for Medical Evacuation and Repatriation expense.
- Rental Car damage and Theft coverage available for up to $40,000 per covered vehicle.
Trip Protection Choice
- This plan provides $100,000 for emergency accident and sickness medical expense and $750 for dental expense.
- The plan provides $500,000 for medical evacuation and $500,000 for repatriation of remains.
- $500 coverage is available with this plan for missed connection.
What are the cruise insurance plan options for economical coverage for trip costs?
Here are some of the plans which are economical in their coverage for trip costs. These plans will be suitable for small trips where the travel costs are cheaper and economical:
Trip Protection Economy from Seven Corners
- This plan provides $10,000 as primary coverage for emergency accident and sickness medical expense.
- Medical Evacuation and Repatriation of Remains coverage is available for up to $100,000 with this plan.
- Optional coverage for rental car damage is available for $35000.
Safe Travels Protect from Trawick International
- This plan provides a maximum of $25000 for emergency accident and sickness medical expense.
- Dental coverage of $250 is available.
- Emergency Evacuation coverage is available for upto $250,000 and $350,000 for Repatriation of remains is available with this plan.
Safe Travels Armor from Trawick International
- This plan provides a maximum of $100,000 for emergency accident and sickness medical expense.
- Dental coverage of $750 is available.
- Emergency Evacuation coverage is available for upto $1000,000 and $1000,000 for Repatriation of remains is available with this plan.
- Optional coverage for rental car damage is available for $50,000.
