Cruise travel insurance for Australia and New Zealand
Australia and New Zealand Cruises insurance for a great vacation
Australia with a coastline of 35,877 kilometers offers several breathtaking beaches, cosmopolitan cities; rainforests, steep cliffs, and colorful coral reef. All of this making it best for cruising and to explore the many different features. While cruising outstanding sights in Australia travelers can also cruise New Zealand and explore the amazing country it is. New Zealand offers exotic breathtaking landscapes, national parks; their wine and friendly locals travelers have many things to do. Both New Zealand and Australia offer extreme activities for their tourists ranging from bungee jumping, zip lining, bridge climbing, jet boat rides and surfing.
The Australia and New Zealand cruises are around 3 weeks long and some last as long as 50 days. Several cruise lines offer great deals with good itineraries. The cruise ships by Princess usually have offers for 13 day trips. Most of these cruises have a round trip starting and ending in the same city .The ideal time to visit Australia is during October to April which is summer there; however cruisers can cruise throughout the year. The best time to cruise to New Zealand is during summer between October to April.
Traveling to Oceania on a cruise is exciting but can also be challenging. While planning for a short trip for a few days or long trip travelers should ensure that they are well equipped for all travel emergencies that may arise. Cruise vacation is quite expensive and often depends on the weather conditions. Changes in weather are beyond one's control thus it is very crucial for travelers to get a right cruise travel insurance to cover any unfortunate circumstances like delays or trip cancellations. Travelers can include trip delay, trip interruption and trip cancellation to get complete cover in such circumstances.
Australia and New Zealand Cruise medical insurance cost
The cost of cruise medical insurance for Australia and New Zealand can vary widely based on several factors. Basic cruise medical insurance only coverage would cost $40 to $150 per person, depending on the factors above while comprehensive medical and evacuation cruise insurance costs $150 to $400 or more per person, depending on the trip duration and coverage limits. Cruise insurance for seniors particularly those over 65, will cost more due to higher health risks. Longer cruises tend to cost more to insure, as the duration increases the risk of illness or injury. Cruises to remote or exotic locations, where access to medical care is limited, can result in higher premiums.
Higher limits on medical expenses and medical evacuation coverage will increase the cost. Typical policies might cover $50K to $100K for medical treatment and $100K or more for medical evacuation. Evacuation coverage is crucial on a cruise, especially if you're far from quality medical facilities. Policies covering $100K to $250K for emergency evacuations are common, and higher limits can raise the price. Cruise health insurance with more comprehensive benefits, such as those covering pre-existing conditions, will be priced higher.
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 Medical Insurance | Cruise Trip cancellation Insurance |
|---|---|
| Medical-related coverage | Trip expense protection |
Coverage:
|
Coverage:
|
| Ideal for: Primarily for health-related coverage, especially those who have health conditions or are concerned about limited healthcare access during the cruise. | 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. |
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.
Cruise insurance cost
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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 $25 per month.
Plan Name Trip cancellation Cost # Safe Travels Flex Trawick International 100% of Trip Cost (Up to a Max. of $45K) $25 Safe Travels Protect Trawick International 100% of Trip Cost (Up to a Max. of $14k) $32 iTravelInsured Travel Lite IMG 100% of Trip Cost $43 Trip Protection Economy Seven Corners 100% of Trip Cost (Up to a Max. of $20k) $43 iTravelInsured Choice IMG 100% of Trip Cost $50 SafeTravels Armor Trawick International 100% of Trip Cost (Up to a Max. of $15k) $55 Trip Protector Preferred HTH worldwide 100% of Trip Cost (Up to a Max. of $50k) $70 Cruise Travel Insurance Seven Corners 100% of Trip Cost (Up to a Max. of $30k) $88 iTravelInsured Travel LX IMG 100% of Trip Cost $106 # Approximate cost of Trip insurance plans is for a 40-year-old traveler, 15 days trip length and $1K trip cost.
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Plan Name Maximum coverage Deductible Cost # Atlas International Insurance WorldTrips $50K $250 $53 Patriot International Lite Insurance IMG $50K $250 $54 Diplomat International Insurance Global Underwriters $50K $250 $87 Safe Travels Outbound Insurance Trawick International $50K $250 $75 Intermedical Insurance Travel Insure $50K $250 $71 VisitorSecure Insurance WorldTrips $50K $100 $33 # Approximate cost of Medical evacuation insurance plans is for a 40-year-old visitor for a duration of 1 month.
Medical Evacuation Insurance for Australia and New Zealand
Traveling to Australia and New Zealand is an extraordinary adventure and a thrilling experience, but it requires thorough preparation due to its extreme environment and isolation. Natural disasters or severe weather conditions can lead to serious illnesses or injuries which may require treatment beyond the capabilities of local facilities. Evacuation from Australia and New Zealand involves specialized procedures which can be extremely expensive.
Evacuations often involve multiple stages, including transport to a research station and then airlift to a hospital in South America, New Zealand, or Australia. Sometimes helicopters are used for short-distance evacuations to nearby research stations or ships or fixed-wing aircraft is used for long-distance evacuations, often requiring specially equipped planes for ice landings and take-offs.
Cost of short distance evacuation from a field camp to a research station can range from $10K to $50K depending on the distance and urgency while cost of long distance evacuation from a research station to a hospital in South America or another continent can range from $100K to $300K or more, depending on the complexity and distance. If specialized medical care and equipment are needed during the evacuation, costs can exceed $500K. Therefore a comprehensive travel insurance with medical evacuation coverage for Australia and New Zealand is essential which will cover high-cost evacuations and includes adequate limits.
Following are some of the best Australia and New Zealand Cruise medical insurance
- Coverage up to $1M maximum for emergency medical evacuation.
- Unique in offering coverage for pregnancy complications for first 26 weeks of gestation.
- Acute onset of pre-existing condition coverage available up to the age of 80.
Australia - New Zealand Cruise - An overview
What countries are part of Australia and New Zealand cruises?
Australia, New Zealand, Tahiti, Papua New Guinea, Fiji, Marshall IslandsWhen is the best time to take the Australia and New Zealand cruises?
- In the months of December, January, February
- Cruise season is in the month of October through April
Australia - New Zealand Cruises insurance - FAQs
01. When and where can one get travel insurance for the Australia - New Zealand Cruise?
Travelers can buy Cruise travel insurance for Australia - New Zealand on American Visitor insurance as soon as they pay the initial payment for the cruise. American Visitor Insurance works with several reputed US travel insurance providers where travelers to Australia New Zealand cruise can compare the benefits of different insurance plans and buy the Australia - New Zealand cruise insurance by comparing quotes and talking to licensed agents to make an informed decision.
02. What insurance do you need for a cruise ship to Australia - New Zealand?
While purchasing cruise insurance on Australia - New Zealand cruise 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 exorbitantly expensive.
03. What is covered under emergency medical evacuation cover in Australia - New Zealand cruise travel insurance?
Australia - New Zealand 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.
04. How much medical evacuation is needed for Australia -New Zealand?
A trip on a cruise line itself is very expensive and being forced to be evacuated from the cruise is prohibitively overpriced. It is important to have a minimum US$100,000 or more.
05. What happens if my Australia - New Zealand 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 cruise is cancelled or interrupted, the trip insurance will cover the cost of the Australia- New Zealand 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. 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.
07. 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.
08. What coverage does Cruise travel insurance provide?
Most cruise travel insurance plans provide the following coverages :
- Trip cancellation
- Trip delay
- Emergency medical evacuation
- Baggage loss
- Baggage delay
- 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.
09. 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.
10. 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.
11. 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.
12. 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.
13. 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.
14. 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.
15. 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.
16. 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!
17. 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.
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.
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.
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.
- 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
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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Importance of international 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 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.
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.
Can you buy cruise 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.
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.
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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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
Review the trip cancellation insurance documents & download coverage or visa letter if required as required by the destination country.
Best travel insurance for cruises
Cruise travel insurance benefits
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.
Best Australia - New Zealandn River Cruises
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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