US Travel insurance for Galapagos Islands cruises

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Trip cost($)/person

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Trip Start Date
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Trip Cancellation Insurance

Highlights of trip cancellation insurance coverage benefits

Cost of travel insurance factors

Factors to consider while buying travel insurance.

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Factors to cost

Travel insurance cost calculator

Travel Insurance cost calculator, Trip cost calculator

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What does travel insurance cover?

Trip cancellation

Expenses due to pre-paid, non-refundable and unused payments.

Medical evacuation

Emergency medical evacuation expense to medical facility.

Trip delay

Reimbursement of additional expenses due to trip delay.

Lost baggage

Reimbursement for loss of checked in baggage expenses.

Baggage delay

Expense due to delay in arrival of baggage during travel.

Medical expenses

Medical treatment for sickness or injury during your vacation.

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The Galapagos Islands – Nature at its best !

The Galápagos Islands are part of the Republic of Ecuador and consists of an archipelago of volcanic islands in the Pacific Ocean. They are distributed on either side of the equator and are located about 960 km or 600 miles west of Ecuador's mainland coast. The Galapagos archipelago consists of thirteen major islands and a handful of smaller islands. The largest of the islands is called Isabela and is approximately 129 kilometres (80 miles) long Repeated volcanic eruptions helped to form the rugged mountain landscape of the Galápagos Islands.

Galapagos Islands Cruises

The Galapagos islands are renowned for their diverse array of flora and fauna and number of endemic species that were studied by Charles Darwin during the second voyage of HMS Beagle. Darwin's observations and species collections have contributed significantly to Darwin's theory of evolution by means of natural selection.

Some of the endemic species that are found only here include the giant Galápagos tortoise, the marine iguana, the flightless cormorant and the Galápagos penguin. The Galápagos penguin is the only penguin species to live in the Northern Hemisphere.

Unique environmental conditions have made the Galápagos islands ideal for the evolution of different flora and fauna. Galápagos is located near the equator, yet receives cool ocean currents. This makes for a strange mix of tropical and temperate climates and given that for most of its history the islands have been extremely isolated allowed for the evolution of an unusual mix of plant and animal species.

Given this fascinating historic, geographic and evolutionary background, the Galapagos islands is a once in a lifetime must see destination for nature lovers. However, given its isolated location, and that the Ecuadorian government is trying to ensure that the pristine nature of the islands is not disturbed, there is a limit on the number of tourists and cruises allowed near the islands. All of this makes a holiday in the Galapagos very expensive. Such a vacation is expensive and must be well planned, and buying the best cruise insurance for the Galapagos is very important as it will be a pity if a trip is not properly insured in the event of an disruption in the travel or sickness during the cruise. The cost of trip insurance for Galapagos typically ranges between 4% to 12% of overall trip costs, and is definitely worth it.

Galapagos Cruise Wildlife on the different islands

  • Rabida Island has an iron rich red beach and salt water. Travelers can see flamingos plunged underwater to eat the crustaceans and algae.
  • Espanola, the southernmost island, is home to the most popular albatross. Albatross is a small bird with an eight-foot wingspan. During the month of April to December travelers can experience a spiritual view by having the world’s entire population of adult Waved Albatrosses return to Espanola for nesting season, says the Galapagos Conservancy.
  • Fernandina is the Galapagos youngest and westernmost island with fewer volcanic eruptions. Travelers on this island can see around a huge number of land iguanas and some lava flows. Travelers can get first-hand insight of the environmental heritages of the island.

Importance of the best travel insurance for cruises

Going on a cruise vacation is truly exciting, however one must take precautions to ensure that the cruise vacation is not a disappointment. Vacationers are likely to pay for the cruise well in advance of the actual travel date, and it is possible that one is not able to travel on the cruise as initially planned.

While most cruises companies offers some cruise protection it does not provide the coverage benefits as provided by trip insurance for cruises. While cruise companies protection usually gives cruise vouchers to vacationers if they miss the cruise, cruise travel insurance provides significantly more benefits such as coverage for trip cancellation, trip delay, baggage loss, baggage delay, medical evacuation and medical insurance for the traveler. Vacationers can further shield themselves by adding Cancel for any reason travel insurance benefit which gives flexibility of cancelling the cruise vacation for any reason, and still get reimbursed up to 75% of non-refundable trip expenses.

Cruise Travel Insurance protection timelines

Going on a cruise vacation can be an expensive and a simple delay or missing a flight can spoil the entire vacation. Given the constant changes in the weather conditions, delays with airline and airport chaos, factors like covid pandemic in famous cruise destinations, travelers should have good Cruise travel insurance to protect the money spent on the cruise.

Cruise travel insurance provides coverage well before the start of the cruise, continues with the coverage during the cruise at Sea till the Cruise journey is completed. Given below are the coverage details at different stages of the Cruise.

Cruise insurance protection before the commencement of the Cruise

Cruise insurance offers protection against the traveler’s monetary investment on the cruise from the time the cruise travel insurance has been purchased and the initial booking for the Cruise has been made. The cruise insurance will reimburse the trip expenses if anything goes wrong before the start of the trip. If the travelers are unable to reach their cruise or got delayed for some covered reason like illness or bad weather then the trip expenses can be reimbursed.

Cruise insurance will reimburse all of the trip expenses under the Trip Cancellation cover if the cruiser is not able to reach the cruise in time for any covered reason. Covered reasons like bad weather, illness, injury, or death can be insured. If the insurance includes Cancel for any reason, then the traveler can simply decide not to take the cruise and still get reimbursed up to 75% of the non-refundable cruise expenses.

Cruise insurance coverage during the journey

Many cruisers are not aware of the high healthcare cost on a cruise ship. The basic diagnosis and treatment of regular health conditions can cost thousands of dollars on board a cruise ship. In case the passenger has to be evacuated to the nearest port the cost of evacuation can be astronomical. Cruise insurance offers travelers medical insurance coverage for unanticipated illness or injury during the cruise.

Most policies offer benefits for on-board medical treatment, as well as additional coverage for an evacuation in case of an emergency. Cruisers whose primary domestic health insurance does not offer coverage outside of the US borders or to any inaccessible locations should choose comprehensive cruise insurance.

Vacationers who are concerned about the medical emergency that can arise while on the cruise should choose to buy a comprehensive cruise insurance policy that covers Emergency Medical treatment and Medical Evacuation. There are also a few Cruise travel insurance plans that offer coverage for acute onset of Pre-existing conditions.

Cruise insurance for bad weather conditions like a hurricane

Most of the vacationers plan for a cruise trip during the summer which ironically is the hurricane season. This makes cruising risky as it is exposed to cancellations due to bad weather conditions. Cruise travel insurance offers coverage for Hurricane & adverse weather, where cruisers can reimburse the cost of the trip in case the trip gets cancelled due to extreme weather, a storm at their destination or any delays due to weather.

Following are some Cruise health insurance plans

Trip Cancellation Cruise insurance coverage highlights:

  • Covers medical expenses up to $100K
  • Medical evacuation up to $1 million
  • Search and rescue up to $10K
  • Missed connection up to $500
  • The trip cancellation benefit is determined by the amount of your trip you elect to protect
  • IMG trip plans provides Covid Quarantine coverage.
  • Cancel for Any Reason only purchase at the time the base policy is purchased and within twenty (20) days of the initial trip deposit.
Note: This plan is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.
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Trip protection insurance plans:

Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled.

For plans that offer Cancel For Any Reason(CFAR)- you must purchase the benefit within the specified time frame from the initial deposit date and you must insure all prepaid non-refundable trip costs. Please note that we do not have any plans that offer CFAR in NY, WA, or NH.

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International Medical Group - Cruise medical insurance

  • Available for ages up to 99years
  • Maximum trip length 180 days
  • Medical coverage of $500K (may vary by state)
  • Trip Cancellation maximum benefit up to 100% of insured trip cost (min $500)
  • Trip interruption maximum benefit up to 150% of insured trip cost
  • $2K maximum benefit for travel delay
  • $500K maximum benefit for emergency medical evacuation and repatriation of remains
  • US Residents on domestic and worldwide trips.
  • Brochure
  • Available for ages up to 99years
  • Maximum trip length 180 days
  • Medical coverage of $250K (may vary by state)
  • Trip Cancellation maximum benefit up to 100% of insured trip cost (min $300)
  • Trip Interruption maximum benefit up to 150% of insured trip cost
  • $2500 maximum benefit for travel delay
  • $1 million maximum benefit for emergency medical evacuation and repatriation of remains
  • Cancel for Any Reason add-on benefit available
  • Brochure

How does cruise travel insurance offer coverage for medical illness and evacuation?

The travellers on cruises are not aware of the expensive healthcare cost while on a cruise ship. The basic diagnosis and treatment of regular health conditions can cost thousands of dollars on board a cruise ship. In case the passenger has to be evacuated to the nearest port the cost of evacuation can be astronomical.

Cruise insurance offers travelers medical insurance coverage for unanticipated illness or injury during the cruise. Most policies offer benefits for on-board medical treatment, as well as additional coverage for an evacuation in case of an emergency.

Cruisers whose primary domestic health insurance does not offer coverage outside of the US borders or to any inaccessible locations should choose comprehensive cruise insurance. There are also a few Cruise travel insurance plans that offer coverage for acute onset of Pre-existing conditions.

Can you buy cruise trip protection insurance to cancel trip due to Hurricane?

Most of the travelers plan a cruise vacation during the summer which happens to be the hurricane season. This makes cruising risky as it is exposed to cancellations due to bad weather conditions.

Cruise travel insurance offers coverage for Hurricane & adverse weather, where cruisers can reimburse the cost of the trip in case the trip gets cancelled due to extreme weather, a storm at their destination or any delays due to weather.

Cruise lines to the Galapagos

Celebrity Cruises was founded in 1988 by the Chandris Group of Greece that then merged with Royal Caribbean Cruise line in 1997. It has its headquarters in Miami FL which is an entirely owned subsidiary of Royal Caribbean Group. Celebrity cruise lines have National Geographic Islander with 96 passengers ,Celebrity Xpedition cruise of 98-passengers,Isabella II with 48-passenger,La Pinta and Santa Cruz II with 90 passengers, Three boats with 40 passengers called Metropolitan Touring are few cruises that travel to Galapagos Island.

An appropriate cruise insurance for the Galapagos cruises

Travelling to Galapagos Island on a cruise is indeed a thrilling experience and requires detailed planning. The cruise travelers need to get a Galapagos cruise travel insurance to ensure that any emergency instances like illness, injury, delays or trip cancellations are covered in an event that occurs.

The changes in the Cruise are often due to the weather conditions or any mechanical delays of the ship. Delays caused due to weather conditions are beyond one's control. Thus it is very important to have Trip insurance for Galapagos cruise travel including trip delay, trip interruption and trip cancellation.

Trip Delay Cover
Sometimes the departure of the cruise may be affected due to the bad weather conditions. The Trip delay covers reimbursement for the additional expenses due to trip delay. Most Cruise insurance to Galapagos Island typically covers up to US$500 for trip delays.

Trip Cancellation Cover
Travelling to various destinations on a cruise there is an increased chance of uncertainties due to its weather. Sometimes the departures may not go well as planned. The best cruise insurance coverage pays a complete refund for valid reasons like the accidental death or injury of the traveler or a non-traveling family member. The Cancel for any reason benefit in cruise cancellation insurance gives additional flexibility and provides 75% refund of the non-refundable expenses for not taking the cruise for any reason.

Trip interruption cover
The trip interruption benefit may pay up to 150% of the trip cost in the event that the traveler has to reduce the number of days on the cruise holiday due to an emergency. This coverage reimburses the cost incurred with buying flight tickets should they need to buy tickets in an emergency.

Medical Evacuation cover
While travelling to Galapagos country on a cruise which includes several planned activities, the change in food, weather travelers are advised that they should include the best medical evacuation insurance coverage in their Galapagos cruise travel insurance. The medical evacuation cover can pay up to $1,000,000/- , in an event the insured need to be evacuated to get better access for medical treatment.

Some cruise insurance plans also offer up to $50,000 for non-medical evacuation. Evacuation is very expensive from a cruise ship. A basic hospital treatment may cost hundreds of thousands of dollars. The Medical Evacuation coverage will also cover for the transport of the insured to the home country if need be as directed by the physician.

On-shore and Off-shore Activity Cover
Vacationers to Galapagos cruise should ensure their cruise travel insurance offers coverage for the activities planned. There are few insurers who offer cover for activities like kayaking, skiing, camping and climbing. Travelers need to check for more details while buying the Galapagos cruise insurance policy.

Baggage Loss, Theft and Delay cover
Loss, delayed baggage is one among the most common claims that is seen with international travelers. Hence it is one among the important elements for travelers to the Galapagos. In an event if the traveler’s baggage is lost or delayed it brings in a certain amount of hassle. Losing an expensive item from the baggage may end up in a bad experience in a long awaited vacation.

The baggage loss benefit by the best insurance for cruises offers up to $2,500 with a $250 maximum per item for baggage loss and $500 after initial delay of 12 hours. It is important for cruise travelers to buy the best Galapagos island cruise travel insurance given the relative low cost of cruise insurance.

Galapagos Island Cruises insurance - FAQs

01. What insurance do you need for a cruise ship?

Travelling on a cruise ship on the sea is often at a risk due to the weather conditions. On the ship there will be no access to big hospitals in case the travelers need an upgraded treatment in case of a medical emergency the traveler may land up in huge financial loss. Due to these factors it's best to get cruise insurance with coverage for any medical emergency and evacuation that satisfies the travel plans to Galapagos island travel.

02. When should I buy cruise insurance?

Travelers should consider buying travel insurance a week to two weeks in advance of booking the cruise or soon after the date when the first payment was made for the trip. This will allow the traveler to enjoy few benefits like trip cancellation or trip interruption if included in the policy.

03. What insurance do you need for a cruise ship?

Travelling on a cruise ship on the sea is often at a risk due to the weather conditions. On the ship there will be no access to big hospitals in case the travelers need an upgraded treatment in case of a medical emergency the traveler may land up in huge financial loss. Due to these factors it's best to get cruise insurance with coverage for any medical emergency and evacuation that satisfies the travel plans to Galapagos island travel.

04. Can you add trip insurance after booking a cruise?

Yes, typically travelers can buy trip insurance whenever they can before the actual date of the trip. However it’s advisable to buy coverage as soon as the booking for the cruise is made.

05. What happens if my Galapagos island cruise is cancelled or interrupted?

The Cruise lines departures can be delayed for several reasons such as due to bad weather, Covid pandemic or mechanical issues with the cruise ship. These delays are often beyond one's control and if the Galapagos island cruise is cancelled or interrupted, the trip insurance will cover the cost of the Galapagos island cruise.

The Trip Cancellation provides with the maximum benefit up to 100% of insured trip cost to a minimum of $500.However the coverage differs for different insurance providers. It is therefore very important to include Trip cancellation or trip interruption coverage.

06. Does my health insurance cover me on a cruise?

A domestic health insurance cover provides little or no coverage while travelling on a cruise to Galapagos Island, especially if you leave US borders. It is prudent to have good cruise insurance especially if you need to have medical evacuation which is very expensive from a cruise ship. While taking that cruise trip, travelers can compare and purchase the best cruise travel insurance for the cruise vacation.

07. What is covered under emergency medical evacuation cover in Galapagos island cruise travel insurance?

Galapagos island cruise travel insurance will provide coverage in an event where the visitor needs to be evacuated to a hospital or home the Medical evacuation cover will provide coverage for all medical services that the traveler receives while on the flight to the nearest hospital and the cost of emergency air transportation. However it does not cover the cost of medical treatment after the admission to the hospital .The travelers will need medical coverage here.

Trip cancellation insurance

Is it worth buying trip cancellation plans?

Any planned holiday is often a once in a lifetime experience involving both valuable time and money. A vacation involves expenses from airline tickets, cruise reservations, hotel bookings all of which are often done many months in advance. Given the uncertainties of work, and health, one cannot predict what can happen in the future and can sometimes result in cancelling an expensive vacation or being forced to change trip arrangements.

trip cancellation Insurance

Sometimes an emergency medical situation may arise while on the vacation which can result in hospitalization and huge medical bills. Other risks involved can include baggage loss, flight delay, trip interruption, loss of passport, all of which can cripple your savings. These cost of these uncertainties can be reduced by insuring the financial risks by Trip cancellation insurance.
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Galapagos Cruise options

The Galapagos Islands has various categories of boats offered by different tour operators that tourists can use, and what differentiates amongst these boats is the level of service, facilities and features. These boats get assigned based on the price of the cruise into categories like Luxury boats, first class boats, mid-range boats and budgeted boats.
There are also other important aspects on these boats that affect the experience for travelers. A 20 passenger cruise ship offers a different experience than smaller category boats like sailing boats, a yacht or catamaran.

01. What type of boat should I select?

Are you travelling with family and kids, older travelers or as a couple? Do you prefer luxury cruise to a long vacation on a boat? There are various categories of boats that travelers can choose and one is better than the other choices according to the travel needs. Travelers can reach out to expert trip advisors for further assistance.

Liveaboard Diving Cruises:
The Galapagos Islands is appropriate and is a leading destination in the world for Scuba Diving. The untouched environment and topographical location make Scuba Diving possible here. Having said that only a few of the yachts offer underwater spots in Darwin and Wolf Islands along with diving programs

02. What is the best time to visit Galapagos?

The Galapagos islands has something exciting to offer for most of the year. Mid June to early September and Mid December to mid-January is the high season when the tourist numbers are highest.
Between June and November the weather is cooler and the sea is a little rough however it is still an excellent time for snorkelling. This is also the best weather for mating for the blue-footed boobies and waved albatrosses. The air and water temperatures are usually warmer and a calmer sea during December through May.

03. What is the cost to cruise the Galapagos?

The cost to cruise in the Galapagos varies based on the type of experience the travelers choose. A Five day Galapagos cruise might cost up to 3000 USD. The cheapest Galapagos cruises start at around USD 1000 for a Four days and around $10,000 per person for an Eight day luxury-class cruise.
Renting a private Galapagos cruise begins from $40,000. The cost of travel insurance for Galapagos is usually between 5% to 12% of the trip expenses.

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Travel insurance plans for older US travelers with Medicare coverage

US pensioners and older travelers with Medicare need good international travel insurance given that Medicare offers little coverage outside USA.

Any travel overseas involves risks especially for older travelers and the costs of medical evacuation and health care outside the US is expensive.

In this context buying Medicare Supplemental international travel insurance coverage for US senior citizen travelers is strongly recommended.
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How to buy best travel insurance for cruises?

Steps to buy Cruise travel insurance for trip cancellation

 1: Finding all available cruise trip insurance plans

Complete the cruise insurance coverage quote form by providing details - traveler’s age, residence, trip cost, destination and travel dates.

 2: Compare different trip insurance for cruises options

Compare prices and the benefits of the cruise cancellation insurance options to find the best plan. Look also for cancel for any reason benefits and covid coverage.

 3: Buy the best insurance for cruises you like best and review documents

Buy the plan that fits your needs and budget by using a credit card and completing the online application.

 4: Review the cruise medical insurance documents & download visa letter if required

Review the trip cancellation insurance documents & download coverage or visa letter if required as required by the destination country.

Trip insurance

CruiseLine Insurance vs travel insurance

Is Cruise insurance different from travel insurance?

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Reasons to buy cruise insurance

What are the reasons for buying cruise travel insurance?

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Cruise travel insurance benefits

Some of the other important benefits available with the best travel insurance for cruises include:

Accidental and Medical expenses

One might believe that the regular health insurance covers your health while on a cruise and might question the need for cruise medical insurance. However one might be rudely shocked as many US health insurance plans do not cover you outside the US borders (including Medicare). The travel insurance for cruise trip pays for the medical treatment for any sickness or accident that one can encounter during the trip. The cruise health insurance coverage varies on the cruise insurance chosen, but can provide coverage up to $500k.

Trip cancellation and inability to go on the cruise
Given the uncertainties involved in planning vacations very early, it is likely that one cannot go on a cruise as planned. The best cruise insurance coverage pay a complete refund for valid reasons like the accidental death or injury of the traveler or a non-traveling family member. The Cancel for any reason travel insurance benefit in a cruise cancellation insurance gives further flexibility and provides 75% refund of the non-refundable expenses for not taking the cruise for any reason.

Trip interruption
The trip interruption benefit of a travel insurance for cruise trip can pay up to 150% of the trip cost in the event that the traveler has to cut short his/her cruise vacation and return home in an emergency. This benefit takes in to consideration the high costs that one can incur for flight tickets should they need to buy tickets in an emergency. This benefit provides peace of mind to the vacationer during the cruise holiday.

Medical Evacuation
The best travel insurance for cruise trip also provides coverage for medical evacuation up to $1M if the vacationer has to be evacated to get access to proper medical treatment in the event of a medical emergency. Some cruise insurance plans also offer up to $50K for non medical evacuation.

Missed connection
The missed connection benefit provides up to $500 additional transportation costs to join the cruise or tour for any delay of the stipulated time of travel.

Repatriation of remains
The repatriation of remains benefit pays for the repatriation expenses in the event of death of the traveler for any reason. The best cruise insurance offers up to $1M as part of this benefit. There is also another repatriation benefit in the event of an accident during the vacation. These benefits are for the death, loss of sight or loss of limbs due to an accident that occurs during the cruise holiday.

Baggage loss and baggage delay
This baggage loss benefit by the best insurance for cruises offers up to $2,500 with a $250 maximum per item for baggage loss and $500 after initial delay of 12 hours. Given all these benefits, it is important that cruise vacationers buy the best cruise travel insurance given the relative low cost of cruise insurance.
The cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best cruise travel insurance plans.

Cruises Insurance, Cruises cancellation insurance - FAQs

Travelling outside of one’s home country always requires some good recommendations and tips for a smooth and safe trip. Here is some information that may be helpful while you plan an international trip.

01. Is Cruise Insurance worth it?

Having good cruise insurance can make all the difference for a memorable vacation should a vacationer face any adverse situation during the cruise. The cost of cruise travel insurance varies depending on the coverage benefits included, but they typically cost between 5 to 10% of the non-refundable cruise trip costs.

Given the cruise health insurance coverage benefits, this additional cruise insurance expense is definitely worth it. Some of the benefits provided by cruise insurance include coverage for cruise cancellation expense, any additional expense due to flight or travel delay, baggage loss or baggage delay, expense due to medical evacuation to healthcare facility as well as the healthcare costs if one falls ill or is injured during the cruise.

02. What coverage does Cruise travel insurance provide?

Most cruise travel insurance plans provide the following coverages :

  1. Trip cancellation
  2. Trip delay
  3. Emergency medical evacuation
  4. Baggage loss
  5. Baggage delay
  6. Medical coverage

Some add-on coverage available with some plans include - Cancel for any reason cancellation. Please look at the plan brochures for details of the coverage.

03. Do you need to buy Cruise insurance?

There are many coverage benefits provided by Cruise insurance which are very important while going on a cruise vacation. Cruise insurance provides coverage for trip cancellation, trip delay, flight delay or missed connections resulting in missed cruises and any additional expenses related to making the cruise, baggage loss, baggage delay, medical evacuation if needed to healthcare facility as well as covering the medical expenses of the traveler.

All of these cruise insurance coverage benefits are very important given the nature of traveling on a cruise. Given the Covid pandemic, some cruise lines are recommending cruise travel insurance, especially for unvaccinated travelers.

Irrespective of whether cruise insurance is mandated or not, given the relatively low cost of cruise insurance when compared to the coverage benefits provided, buying the best cruise travel insurance is strongly recommended. Cruise health insurance provides peace of mind and can make all the difference in making in one’s cruise vacation memorable.

04. When should I buy the Cruise Insurance

It is best to buy the cruise insurance as soon as you make the first payment for the trip. The Cruise cancellation insurance benefit starts as soon as you buy the insurance well before the actual cruise start date.

It is possible that you cancel the trip for valid reasons well before the journey and if you have cruise insurance, you are eligible to get the benefit of this coverage. Some benefits such as the ‘Cancel for any reason’ is also time sensitive and usually needs to be bought within 21 days of the first payment.
However travelers can buy cruise insurance later as well and can be bought just before the cruise starts. Some plans are even available post-departure of the cruise.

05. Does Cruise travel insurance provide coverage for Covid19?

Cruise insurance plan coverage vary depending on the insurance plan and the underwriting companies. At American Visitor Insurance, we do have cruise health insurance plans which cover Covid19 as any other illness.

This implies that you will be covered for health expenses incurred due to treatment of Covid19 as well as medical evacuation expenses if you need to be evacuated to a healthcare facility.

06. What should travelers consider while buying the best cruise travel insurance?

While purchasing a good cruise insurance policy travelers can look for a complete coverage with benefits like cancellations and medical emergencies, in addition to standard coverage included in the travel insurance. A comprehensive cover generally offers full coverage that can save some extra money for the travelers.
Some of the benefits that are included in Cruise cancellation insurance are:-

  1. Trip Cancellation: Offers a reimbursement for the traveler's prepaid and non-refundable trip expenses, including their airfare, cruise, excursions, and tours. Hurricane & Weather coverage is included in most policies with Trip Cancellation coverage.
  2. Emergency Medical: The cost of routine medical checks have increased hence its advisable that travelers travelling by cruisers buy a travel insurance policy a minimum of $100,000 for Emergency Medical.
  3. Medical Evacuation: Cruisers should purchase a policy with a minimum of $250,000 for Medical Evacuation coverage as the chances for evacuation is higher on the cruise.

Apart from the coverage for cancellations and medical emergencies, a good travel insurance plan will include travel delay, missed connections, and luggage. There are few policies that offer coverage for Itinerary Change, where a reimbursement can be claimed by travelers for missed events in the event of their travel supplier changing their itinerary.

07. What is the best time to buy the travel insurance for cruise cancellation policy?

Travelers can choose to purchase the travel insurance until the day before the cruise begins the trip. However it is advisable that travelers should purchase a travel insurance policy at the earliest to enjoy the benefits for unexpected events that impact the trip.

For example, if a traveler is planning a cruise and if there is a forecast of a storm then it would be too late to buy a policy for that storm. Few add-on benefits like Cancel For Any Reason or Pre-Existing Condition coverage are time-sensitive which are available within 10-21 days of the initial trip payment like cruise down payment.

08. How much is the cost of cruise cancellation insurance?

There are various factors that affect the cost of the cheap cruise travel insurance. A standard policy with Trip Cancellation coverage will cost between 5% and 10% of a traveler’s total trip cost.

  1. Age of the traveler: The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.
  2. Type of travel insurance: Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance
  3. Medical maximum coverage and deductible options: The price of visitors' medical insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
  4. Region of coverage: Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.
  5. Duration of travel insurance: The longer the duration of visitor medical insurance required, the higher will be the cost.

Travelers can check with the cruise if they will provide a refund or voucher if you cancel. If yes, then travelers do not need to insure the cost of the cruise to make the travel insurance policy a little cheaper.

09. Where can I buy the Cruise travel insurance policy?

There are multiple platforms that travelers can buy the cruise medical insurance policy .And one such platform is American Visitor Insurance works with reputed US travel insurance providers to give international travelers a wide range of travel insurance options. Our company has two decades experience in understanding the diverse requirements of international travelers and in offering appropriate travel insurance options to them.

Our typical customers range from international travelers visiting family in the US, international students, J visa holders, H1b Visa holders, US travelers going overseas, travelers to Schengen countries who need travel insurance to satisfy visa requirements, Cruise travelers ,trip cancellation customers to insurance their trip expenses, travelers looking for Covid19 travel insurance with quarantine coverage as mandated by certain countries, corporate professionals and business travelers who travel internationally regularly as well as other diverse traveling groups with unique needs.

Our licensed dedicated customer support team provides service at all times helping customers find the most appropriate travel insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency.

We also provide answers to all international cruise travel insurance questions , reviews of different cruise travel insurance products, testimonials for customers as well as provide an user-friendly travel insurance comparison tool where travelers can compare different products based on price as well as the coverage benefits. All of these tools help travelers make an informed decision while buying travel insurance.

10. What coverage should a cruiser include in the policy?

Cruisers can choose to insure all of their trip expenses when booking a cruise. It’s always best for travelers to insure non-refundable deposits. This includes down payment, excursions, travel expenses, airfare and hotel accommodations.

11. My cruise will go to several countries/ islands, how can I enter my destination if I only get to put one entry?

Don't worry! Your coverage will be worldwide, so you don't have to enter each and every port of call on your itinerary. If one of your stops will be in the US (besides the start or end of the cruise), then you should enter the United States as your destination so that you get a vacation travel insurance that includes domestic travel. Otherwise, you can enter your first port of call and you will be covered for your entire cruise!

12. I already insured my trip with the cruise line, do I really need more insurance?

That depends. Did you look over their policy carefully? The cruise insurance may be focussed on getting your money back for what you paid for the cruise. What about your plane tickets to get you to the initial port and home from the last port?
What if your luggage is lost on the way? What if you get sick or hurt during your cruise? Be sure that you have cruise health insurance that is good while you are away from home.

Going abroad or even out of state can increase deductibles and/or coinsurance or you may not even be covered. Find out ahead of time! Know the limitations of the cruise medical insurance and figure out if you would like to be more secure in your purchase. Finally, trip cancellation insurance companies are experts at helping travelers and they have thought of a lot of things going wrong that you may not have! So, consider your options carefully.

Trip Cancellation insurance for Cruise travel or vacation

Trip cancellation insurance not only offers coverage for trip investment expenses, but also covers medical expenses while on a cruise trip. In case a traveler missed a cruise because a flight was delayed, or had to cancel a cruise vacation because he/she fell sick or for any other reason, the Trip Cancellation insurance will cover non-refundable trip investment expenses. It will also cover medical expenses while the traveler is on the cruise, such as falling sick and needing medical assistance.

Some cruises have medical treatment facilities to treat minor injuries, however if the injury or sickness is severe the traveler may be asked to get off the ship at the nearest port to get immediate medical care. If adequate healthcare treatment is not available at the place you got off the cruise, then you may have to get transported or evacuated to the nearest hospital, the trip protection insurance would cover these expenses.

Travel insurance resources

Travel insurance blogs and articles

Trip vs Travel vs Global

Article comparing trip cancellation insurance, travel medical and expatriate insurance.

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Insuring Your Travel Investment

Find out how to insure your trip investment costs and know available plans with trip cancellation

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Blog for Trip vs Travel vs Global

Confused whether you need to buy Trip cancellation or Travel medical insurance or long term Global health insurance?

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Trip protection insurance for US Travelers

Travel insurance coverage for US travelers traveling outside the USA.

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