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Trip Cancellation Insurance

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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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Travelling to Mexico

Mexico cruise lines offer some of the world's most renowned destinations that allow the travelers to utilize their vacation without any rush. Mexico cruise is one among the highest-traveled of cruising destinations. Some of the popular Mexican cruise destinations are the Mexican Riviera in the west coast and the Caribbean on the east coast.

On the east coast of the Americas one can visit the tropical Costa Maya and the spectacular island of Cozumel near Cancun, off the Yucatan Peninsula. The Mexican Riviera cruises stop in charming beach towns on the Pacific Coast such as Cabo San Lucas, Puerto Vallarta, Mazatlán and Ensenada. There are popular cruising options from a 3 day trip to Ensenada to longer trips to the Riviera. Their sparkling coastlines, jungles, ancient pyramids and vibrant cities offer various delights of Mexico. Sailing along the Mexican coastline is one of the best ways to explore the country.

On a cruise to Mexico the transport, accommodation, food and tours to explore the popular attractions are arranged. Most importantly it’s a relaxed vacation that most want to while on a Mexican cruise. There are some of the best cruise lines for Mexico such as Royal Princess, Disney World, Norwegian Bliss and Ruby Princess who offer world-class amenities and luxurious options. The best time to visit Mexico is between November and May.

Complete Cruise coverage to Mexico:
Travelling to Mexico on a cruise involves big investments and travelers need to get the correct Mexican cruise travel insurance to cover any unfortunate circumstances like delays or trip cancellations. The departure of the Cruise typically depends on the weather conditions. Delays caused due to weather conditions are beyond one's control. Thus it is very important to have Trip insurance for the Mexican including trip delay, trip interruption and trip cancellation.

Trip Delay Cover:
Most Mexican Cruise sails according to the weather conditions. The Trip delay covers reimbursement for the additional expenses due to trip delay. Mexican cruise travel insurance policies cover up to US$500 for trip delays.

Trip Cancellation Cover:
Given the uncertainties with the weather conditions and the size of the ship anything can go wrong with the mechanism or the weather. 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 travel insurance benefit in 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 cover:
The trip interruption benefit can pay up to 150% of the trip cost in the event that the traveler has to shorten the cruise holiday due to an emergency. This coverage takes care of the cost incurred with buying flight tickets should they need to buy tickets in an emergency.

Medical Evacuation cover:
The best Cruise travel insurance offers coverage for medical evacuation 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 ship or from an island. A basic hospital treatment will cost over US$10,000 and repatriation often may cost hundreds of thousands of dollars.

On-shore and Off-shore Activity Cover:
Mexican cruises offer several onboard activities as well as on the island. If vacationers to Mexico have a list of activities on their itinerary, it is best if the passenger includes coverage under the policy. There are some insurers who offer cover for kayaking, scuba diving, camping and climbing. Travelers need to check for more details while purchasing the policy.

Baggage Loss, Theft and Delay cover:
During a vacation travelers need to know that losing a Baggage or a theft from the baggage will leave the traveler devastated .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. It is important for cruise travelers to buy the best Mexican cruise travel insurance.

Mexico Cruises insurance - FAQs

01. Can you get trip insurance for a Mexico cruise?

Yes, cruisers can and should buy Cruise travel insurance given the advantages of having cruise insurance. Travelers can buy trip insurance any time before the actual date of the trip. However it’s advisable to buy coverage as soon as the booking for the cruise is made, this will make them eligible for the Cancel for Any reason coverage, which has to be purchased within 21 days of the first instalment of the trip payment.

02. What insurance do you need for a cruise ship to Mexico?

While purchasing a cruise insurance for Mexico travelers should look for the policy that provides coverage for medical evacuation, overseas medical care, Trip disruption, Lost, stolen or damaged Baggage cover, medical evacuation, trip interruption or cancellation.
The medical emergency evacuation cover should be at least $100,000 since being evacuated from a cruise can be prohibitively expensive.

03. Is cruise insurance the same as travel insurance?

Travel insurance typically focuses on the health of the traveler and when the insured is traveling by air or land. Trip cancellation insurance which can be used as Cruise insurance offers insurance coverage for the cost of the cruise, as well as possible delay or cancellation of the trip resulting in financial losses.
This insurance also provides good medical evacuation coverage and is very useful while the insured is on a cruise.

04. 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 Mexico. This is particularly true if you have domestic US health insurance and your cruise is in Mexico and outside the US national borders since US domestic health insurance including Medicare offer little coverage outside US territory. While taking that cruise trip, travelers can compare and purchase the best cruise travel insurance for the cruise vacation.

05. What is covered under emergency medical evacuation cover in Mexico cruise travel insurance?

Mexico 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.

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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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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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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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.

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