Why is it important to buy travel insurance for Norwegian river cruise?
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.
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.
Baggage delay
Expense due to delay in arrival of baggage during travel.
Trip delay
Reimbursement of additional expenses due to trip delay.
Lost baggage
Reimbursement for loss of checked in baggage expenses.
Medical expenses
Medical treatment for sickness or injury during your vacation.
Cruises Insurance, Cruises cancellation insurance - FAQ's
Traveling 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.
1. 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:-
- 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.
- Emergency Medical: The cost of routine medical checks have increased hence its advisable that travelers traveling by cruisers buy a travel insurance policy a minimum of $100K for Emergency Medical.
- Medical Evacuation: Cruisers should purchase a policy with a minimum of $250K 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.
2. 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.
3. 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 plan that includes domestic travel.
Otherwise, you can enter your first port of call and you will be covered for your entire cruise!
4. 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.
- 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.
- Type of travel insurance: Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance
- 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.
- Region of coverage: Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.
- 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.
5. 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.
6. 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.
7. Does travel insurance cover cruise ships?
Yes, travel insurance with trip cancellation insurance coverage provide coverage for cruise trips.
8. How much is travel insurance for a cruise?
The cost of the cruise travel insurance depends on factors like age, trip duration, coverage required by the traveler. Cruise insurance for seniors particularly above 65 will cost more due to higher health risks. Longer cruises cost more as the duration increases the risk of illness and injury. Cruises to remote exotic locations cost more as the medical access is limited in those areas. Getting higher coverage for evacuation and medical expenses increases the premium.
Some of the Cruise trip cancellation insurance plans that provide 100% coverage for trip cancellation :
- Safe Travels Protect plan: This plan covers 100% of Trip Cost for a maximum of $14,000 which will cost around $32.
- iTravelInsured Travel Lite: This plan covers 100% of the trip cost which will cost around $43.
- Trip Protection Economy: This plan covers 100% of the trip cost up to a maximum of $20,000 cost of which is around $43.
Some of the Cruise Medical Insurance plans are:
- Atlas International Insurance: This plan costs around $53 for policy maximum of $50,000 with deductible of $250.
- Patriot International Lite Insurance: This plan costs around $53 for policy maximum of $50,000 with deductible of $250.
- Diplomat International Insurance: This plan costs around $87 for a policy maximum of $50,000 with deductible of $250.
9. Does travel insurance cover cruise cancellation?
Yes, there are plans that provide "Cancel for any reason" benefit and here you can see the list of plans with this benefit
10. What is cruise specific travel insurance?
A cruise specific travel insurance has all the benefits of any other travel insurance. However, it also includes coverage for incidents that might happen when you are on the cruise. Those incidents could be:
- Trip or cruise cancellation
- Luggage loss or delay
- Missing the cruise
- Sickness while on the cruise
- Emergency assistance
- Misplaced or lost documents
10. Do you need special travel insurance for a cruise?
Cruise Insurance is available as Cruise Medical Insurance and Cruise Trip Insurance.There is no special travel insurance for cruise except that the Cruise Travel insurance takes care of the expenses that are incurred while on the cruise.The travel medical insurance plans available for people traveling outside their home country hold good for the cruise as well.The cruise medical insurance focuses more on medical expenses whereas the cruise trip insurance provide trip cancellation coverage where the 100% of the trip cost will be refunded if the trip gets cancelled due to any emergency for eligible expenses apart from other benefits like Emergency Medical Evacuation,Repatriation and much more which are available in Cruise Medical Insurance. More details on Cruise Insurance for seniors, Cruise Insurance with Cancel for any reason" and Cruise Insurance for US citizens can be found at American Visitor Insurance.
11. What type of insurance do I need for a cruise?
Cruise Insurance comes in two forms: Cruise Trip Cancellation Insurance and Cruise Medical Insurance. The Cruise Medical Insurance plans do not include Trip Cancellation benefit whereas the Cruise Trip Cancellation Insurance includes this benefit along with other protections.
Before purchasing insurance for the cruise travel, ensure it meets your specific needs:
- Confirm that the trip cancellation benefit is available to cover the trip cost in case you are concerned about potential cancellations.
- Verify that the Cruise Insurance covers pre-existing conditions in case the traveler has some existing conditions.
- Ensure that the Insurance has extensive coverage for emergency medical evacuation and repatriation.
Considering the points above, visit American Visitor Insurance for various Cruise Insurance options:
- Cruise Travel Insurance for seniors, for older travelers
- Cruise insurance with Cancel for any Reason offering flexible trip cancellation benefits and refunds
- Cruise Insurance for US citizens traveling outside, ideal for those planning a Cruise vacation outside the US.
- Cruise Insurance for US citizens and US residents to travel within the US like Hawaii is available with plans like iTravelInsured Choice, iTravelInsured Lite, iTravelInsured SE provide coverage within the US.
12. Do you need to buy insurance for a cruise?
Cruise Travel Insurance is crucial for anyone embarking on a cruise whether within the US or internationally. For overseas travel, the domestic health insurance plan will not provide any coverage while outside of the home country.In order to make sure that the traveler on the cruise is financially protected for any unforeseen medical or trip related emergencies, it is important to buy Cruise Insurance. Some of the popular reasons to buy Cruise Insurance:
- Cruise Insurance provides financial protection for non refundable expenses in case of trip cancellation, delay or interruption
- Cruise Insurance provides coverage for medical emergencies like emergency medical evacuation and repatriation.
- Cruise Insurance covers baggage loss, damaged personal property, baggage delay, missed ports by recovering the cost for the replacement or repairs of the loss or damage caused.
- Some Cruise Insurance plans cover pre-existing conditions for eligible expenses.
How much should travel insurance cost for a cruise?
How much does cruise travel insurance cost?
Trip insurance cost is based on several factors such as the age, trip length and trip cost. There are cheap trip insurance plans starting at $32 per month.
Approximate cost of trip insurance plans for a 40-year-old traveler, 15 days trip length with a $1,000 trip cost.
| Plan Name | Trip cancellation | Cost |
|---|---|---|
| Safe Travels Protect Trawick International | 100% of Trip Cost (Up to a Max. of $14,000) | $32 |
| iTravelInsured Travel Lite IMG | 100% of Trip Cost | $43 |
| Trip Protection Economy Seven Corners | 100% of Trip Cost (Up to a Max. of $20,000) | $43 |
| iTravelInsured Choice IMG | 100% of Trip Cost | $50 |
| SafeTravels Armor Trawick International | 100% of Trip Cost (Up to a Max. of $15,000) | $55 |
| Trip Protector Preferred HTH worldwide | 100% of Trip Cost (Up to a Max. of $50,000) | $70 |
| Cruise Travel Insurance Seven Corners | 100% of Trip Cost (Up to a Max. of $30,000) | $88 |
| iTravelInsured Travel LX IMG | 100% of Trip Cost | $106 |
Source: AmericanVisitorInsurance®
How much does the cruise medical insurance cost?
Approximate cost of cruise medical insurance for a 40-year-old traveler for one month with a $250 deductible.
| Plan Name | Plan max range | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|
| Atlas International Insurance WorldTrips | $50,000 - $2,000,000 | $54 - $82 | $117 - $156 | $212 - $233 |
| Patriot International Lite Insurance IMG | $50,000 - $1,000,000 | $55 - $74 | $121 - $144 | $214 ($50,000) |
| Travel Medical Basic Insurance Seven Corners | $50,000 - $1,000,000 | $56 - $77 | $121 - $159 | $215 - $280 |
| Intermedical Insurance Travel Insure | $50,000 - $150,000 | $73 - $82 | $121 - $150 | $201 - $239 |
| Diplomat International Insurance Global Underwriters | $50,000 - $500,000 | $86 - $97 | $181 - $204 | $315 - $339 |
| Safe Travels Outbound Insurance Trawick International | $50,000 - $500,000 | $79 - $85 | $172 - $184 | $302 - $309 |
| Patriot International Platinum Insurance IMG | $2,000,000 - $8,000,000 | $116 - $158 | $247 - $294 | $432 ($100,000) |
Source: AmericanVisitorInsurance®
Cruise medical insurance vs cruise travel insurance
Cruise medical insurance and cruise travel insurance are related but serve different purposes. Here's a comparison to clarify the differences:
| Cruise Trip cancellation Insurance | Cruise Medical Insurance |
|---|---|
| Trip expense protection | Medical-related coverage |
Coverage:
|
Coverage:
|
| Ideal for: Travelers who want more than just medical coverage, especially those who are concerned about loss due to trip cancellations, delays, or other unexpected disruptions. | Ideal for: Primarily for health-related coverage, especially those who have health conditions or are concerned about limited healthcare access during the cruise. |
Which Cruise insurance to Choose?
- If you're primarily concerned about health risks, cruise medical insurance may suffice.
- If you want protection for your entire trip (e.g., medical, trip disruptions, luggage issues), cruise travel insurance is more comprehensive.
Both types of cruise insurance can often be bundled, so it's worth comparing plans to get the best mix of coverage based on your needs.
What factors should I consider while buying cruise insurance?
There are several factors to consider when choosing an insurance to cover your cruise. Firstly, you may be offered insurance by the cruise line. BEFORE you accept it, consider if you would rather insure the whole trip (including air travel to and from the ports or your travel by vehicle to the port of disembarkation) AND whether you would like to also have health insurance while you are on your cruise and for all the stops along the way.
If you think you might want a more complete plan, consider checking options on American Visitor Insurance to compare prices and opt out of the cruise company option. If you’ve decided on a more inclusive plan, then the main thing that limits your choices will be how much you want to insure the trip for (it should include all non-refundable portions of your trip cost) and how much medical expense coverage you think you will need. Remember that if something happens while at sea, you may need emergency medical evacuation from the ship which is covered by all our trip cancellation policies and may NOT be included in the policy offered by the cruise line.
For example, the iTravelInsure insurance from IMG can cover trips from $10,000 or less per person up to $150,000 per person and offer medical coverage from $100,000 maximum to $500,000 maximums. If you have questions or concerns about plans we offer, please feel free to give us a call and chat with us today!
What are the best insurance plans for Cruise travelers?
iTravelinsured Choice
- Ideal for those looking for a cheap and budget-friendly cruise insurance.
- The minimum trip cost is $500, and the maximum trip cost is $10,000.
- Maximum trip length is 90 days and coverage up to 99 years.
- Cancelling your cruise covered up to 100% of the cost of your trip.
- Missing the boat is covered up to $500 per person.
- Pre-existing condition waiver is available if purchased within 21 days of the initial trip payment.
- Offers coverage for emergency accident and sickness medical expenses up to $100,000, with the option to enhance coverage up to $250,000.
- description
Coverage Type of Plan help
Primary - luggage
Baggage Delay help
$300 - medical_services
Medical Evacuation help
$500,000 - work_history
Trip delay coverage help
Up to $150 per day per person ($1,000 max per person) - shopping_cartBuy Now
iTravelinsured LX
- For elite luxury travelers taking expensive vacations and adventure trips to exotic locations worldwide.
- The minimum trip cost is $500, and the maximum trip cost is $150,000.
- Coverage up to 99 years and Maximum trip length is 180 days.
- Cancelling your cruise covered up to 100% of the cost of your trip.
- Missing the boat is covered up to $500 per person.
- Optional cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
- Pre-Existing Condition Exclusion Waiver is covered if purchased within 24 hours of the final trip payment.
- Offers coverage for emergency accident and sickness medical expenses up to $500,000.
- description
Coverage Type of Plan help
Primary - luggage
Baggage Delay help
$500 - medical_services
Medical Evacuation help
$1,000,000 - work_history
Trip delay coverage help
Up to $250 per day per person ($2,500 max per person) - shopping_cartBuy Now
Safe Travels Voyager
- Ideal for first class travellers taking expensive vacations.
- Covers trips up to 180 days for travelers up to age 99.
- Maximum trip cost is available up to $100,000.
- Missing the boat is covered up to $1,000.
- Cancelling your cruise covered up to $100,000.
- Optional pre-existing condition coverage included within 21 days of deposit.
- Cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
- Offers coverage for emergency accident and sickness medical expenses up to $250,000.
- description
Coverage Type of Plan help
Primary - luggage
Baggage Delay help
$600 (8 hours or more) - medical_services
Medical Evacuation help
$1,000,000 - work_history
Trip delay coveragehelp
$3,000 ($250 per day for delays of 6 hours or more) - shopping_cartBuy Now
Trip Protection Basic
- Ideal for budget-conscious travelers.
- Maximum trip length is 180 days and coverage up to 99 years.
- Maximum trip cost is available up to $30,000.
- Missing the boat is covered up to $250 per day up to $500.
- Cancelling your cruise covered up to 100% of the cost of your trip.
- Optional cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
- Offers coverage for emergency accident and sickness medical expenses up to $100,000.
- description
Coverage Type of Plan help
Secondary - luggage
Baggage and Personal Effects help
$500 - medical_services
Medical Evacuation help
$250,000 - work_history
Trip delay coverage help
$200 per day per person(Up to a maximum of $600) - shopping_cartBuy Now
Seven Corners Cruise Insurance
- Cheapest cruise insurance for US residents taking domestic or international trips.
- Trip Inconvenience (Cruise Diversion & Disablement) covers $250 per event, up to $500.
- Minimum trip cost is $100 and maximum trip cost is available up to $30,000.
- Covers trips up to 30 days and travelers up to 99 years old.
- Cancelling your cruise covered up to 100% of the cost of your trip.
- Missing the boat is covered up to $250 per day up to $1,500.
- Optional cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
- Offers coverage for emergency accident and sickness medical expenses up to $250,000.
- description
Coverage Type of Plan help
Secondary - luggage
Baggage Delay help
$100 per day up to $500 - medical_services
Medical Evacuation help
$500,000 - heart_plus
Pre-existing Condition Waiver
Covered - work_history
Trip delay coverage help
$250 per day up to $1,000 - shopping_cartBuy Now
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.
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Know more »Cruise travel insurance reviews
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Why do I need best cruise travel medical and trip protection insurance?
When families travel overseas, it is important to buy proper travel medical insurance. Since the family is traveling outside familiar territory which can involve long air and road travel, acclimatising to different weather patterns and eating unfamiliar food there is an element of risk involved and vulnerability to falling sick or even having an accident.
Furthermore, injuries or illnesses may happen before your trip and cause the whole trip to be cancelled. In that case, some cruise travel insurance insure the value of your trip allowing you to get your money back and rebook the trip another time. Trip insurance can be purchased for the whole travel group, so if Grandma breaks her leg and everyone decides to cancel, you can do so; even unrelated people can go on one policy for school reunions or company gatherings.
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.
1. 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.
2. 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.
3. 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.
How cruise travel insurance offers coverage for 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.
How to buy insurance for a cruise?
At AmericanVisitorInsurance, you can find several trip insurance plans or cruise insurance plans and almost all cover 100% and more than 100% for trip cancellation and trip interruption respectively. Make sure you know what you require and look carefully that satisfies your requirements. Go through the exclusions to know what is not covered as well. Here is a step by step guide to buy the insurance:
- Visit our cruise page and scroll to see the available plans for your criteria.
- Click on the link provided for each plan and view the benefits.
- Once you decide on the plan, please click on the Buy link provided and fill the form and complete the application online.
- Make the premium payment to the plan online by paying through your credit card.
- Once the transaction is completed successfully, you will receive a confirmation email to your email address.
Make sure to save the confirmation email safely as this will have your policy details and also the Certificate number of the plan which is very useful for all the future conversations with the insurance company.
What does cruise travel insurance cover?
1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.
7. 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.
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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