Best cruise travel insurance with medical conditions
What is Cruise insurance?
Cruise insurance provides financial protection in case of potential risks or unexpected events that may arise while traveling in a Cruise or while on a Cruise vacation. It is also popularly known as Trip Protection Insurance or Trip Insurance.
This insurance offers coverage for a wide range of scenarios including trip cancellation, trip interruption, medical emergencies, missed connections, trip delay, lost baggage or damaged baggage.
Traveling on a Cruise is unique, as you will be traveling
Cruise insurance is slightly different from travel insurance, where Cruise insurance typically focuses more closely on the incidents in the Cruise for coverage, while travel insurance offers broader coverage and extends beyond the Cruise including unexpected incidents during the entire duration of the travel.
Who is eligible to buy Cruise insurance?
Anyone planning to travel in Cruise outside their country borders are eligible to purchase the Cruise insurance. The US domestic health insurance plans do not offer coverage outside of the US National borders and for US citizens on Cruise vacation, having Cruise insurance can be wonderful. Most insurance companies offer Cruise insurance for all ages, however there might be some coverage restrictions depending on the age and preexisting conditions. In American Visitor Insurance, we have plans that offer cruise insurance mostly for US citizens and residents traveling outside the US borders. There are cruise insurance for seniors and Cruise insurance plans with "Cancel for any reason" benefit.
Why choose cruise travel insurance with pre existing medical conditions?
Choosing cruise travel insurance that covers pre-existing conditions provides essential protection, especially if you have a medical history. It ensures you're financially covered for health issues, such as hospitalization or medical evacuation, preventing out-of-pocket expenses. With added benefits like trip cancellations and baggage protection, this insurance offers comprehensive coverage. Many policies also offer waivers if purchased within a specific time frame, making it easier for those with pre-existing conditions to get full coverage. Overall, it provides peace of mind, allowing you to enjoy your trip without worrying about potential health emergencies.
What is pre-existing condition Waiver?
What are the best cruise travel insurance for pre-existing medical conditions?
Seven Corners Cruise Insurance
- Specifically designed for cruise travelers on domestic and international trips
- Offers minimum trip cost is $100 and maximum trip cost is $30,000.
- Pre-existing conditions will be waived if you buy the plan within 20 days of the date your initial trip payment or deposit is received.
- Additionally, any subsequent travel arrangements added to your trip must be insured within 15 days of payment.
- You must also be medically able to travel and not disabled at the time of paying for the plan.
Itravelinsured Choice Insurance
- Most affordable trip cancellation insurance for U.S. residents covers trip costs up to $10,000.
- Pre-exisiting condition exclusion Waiver is covered if purchased within 21 days of intial payment.
- Pre-Existing Condition review period is 60 days prior to effective plan date.
Itravelinsured Travel LX Insurance
- Ideal for elite luxury travelers taking expensive vacations and adventure trips to exotic locations worldwide.
- The maximum trip cost is $150,000.
- Pre-exisiting condition exclusion Waiver is covered if purchased within 24 hours of final trip payment.
- Pre-Existing Condition review period is 60 days prior to effective plan date.
Safe Travels Voyager Insurance
- Ideal for first class travellers taking expensive vacations.
- Maximum trip cost is available up to $100,000.
- Pre-existing coverage is included when provided coverage is purchased within 21 days of deposit and before final payment.
Trip Protection Choice Insurance
- Best for exclusive travelers on luxurious vacations and offers trip cost up to $100,000.
- Pre-existing conditions will be waived if you buy the plan within 20 days of the date your initial trip payment or deposit is received.
- Additionally, any subsequent travel arrangements added to your trip must be insured within 15 days of payment.
- You must also be medically able to travel and not disabled at the time of paying for the plan.
Safe Travels Journey Insurance
- Cruise cancellation up to $50,000 for US residents traveling within the US and abroad.
- Maximum trip cost is available up to $50,000.
- Pre-existing coverage is included when provided coverage is purchased within 14 days of deposit and before final payment.
How much does cruise travel insurance for pre existing medical conditions cost?
The cruise insurance for pre existing medical conditions cost ranges from $229 to $750 for 15 days trip. The Cruise insurance cost depends on the age of the traveler, the cruise length and the cruise destination .
The average cost of cruise insurance for a 50-year-old traveler with a $5,000 trip cost and a 15-day trip .
| Plan Name | cruise insurance with medical conditions | Cost |
|---|---|---|
| iTravelInsured Travel Choice | Covered if purchased within 21 days of intial payment. | $229 |
| Safe Travels Journey | Coverage is available if purchased within 14 days of deposit | $245 |
| Safe Travels Armor | Coverage is available if purchased within 14 days of deposit | $283 |
| Trip Protection Choice | Covered if purchased within 20 days of the initial trip payment. | $354 |
| Cruise Travel Insurance | Covered if purchased within 20 days of the initial trip payment. | $407 |
| Safe Travels Voyager | Coverage is available if purchased within 21 days of deposit | $502 |
| iTravelInsured Travel LX | Covered if purchased within 24 hours of final trip payment | $660 |
| Travel insurance Select | Covered if purchased within 21 days of your intial deposit | $750 |
What should i look for when selecting Cruise insurance coverage?
Look for the following while looking for Cruise insurance:
- Ensure that the plan provides good coverage for Emergency Medical Evacuation, Repatriation, Accidental Death and Dismemberment in case of any unforeseen emergencies.
- Make sure that the Cruise insurance covers trip cancellation, trip interruption, loss of luggage, personal property, travel delay and baggage delay. This makes it easier to recover the trip cost or the cost of personal property or damage in case the trip gets cancelled or delayed respectively.
- Check to see what the age of the traveler is. If the traveler is senior traveler, look if they need coverage for any existing conditions.
- Look for a plan that provides higher policy maximum limits, in case of any unexpected medical emergencies.
- Ensure that the plan provides flexible and comprehensive coverage in order to have sufficient coverage while outside the country.
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.
01. 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.
02. 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.
03. 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!
04. 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.
05. 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.
06. 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.
07. Does travel insurance cover cruise ships?
Yes, travel insurance with trip cancellation insurance coverage provide coverage for cruise trips.
08. How much is travel insurance for a cruise?
There are many plans offering coverage for cruise and the price depends on the cost of the trip, the coverage benefits in the plan and the details of the customer like the age and policy maximum and deductible amounts on the plan. Here you can get price quote for cruise travel insurance by filling your details.
09. 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
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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Factors to consider while buying Cruises insurance
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.
