If you’re thinking about going on a cruise this holiday season, you might want to consider purchasing cruise travel insurance. Why? While cruises are a great way to see and explore the world, they open you up to numerous vulnerabilities that can leave you injured, hurt, sick or even dead. Having annual worldwide travel insurance to fall back on when this happens gives you peace of mind at sea.
What is cruise travel insurance?
Cruise travel insurance is a type of cover that protects you from the things that might happen while you’re on a cruise, e.g., missed port stops. Simply put, it covers the specific risks and activities associated with a cruise trip, ensuring you don’t have to pay for expenses out-of-pocket.
Cruise travel insurance is typically classified as a specialist type of insurance as it covers you from situations that a standard policy won’t cover. As a result, it tends to be pricier than a regular cover. However, this doesn’t mean you can’t find an affordable policy.
What does cruise travel insurance cover?
The features of each cruise insurance policy vary by insurer, but a reliable policy should cover the following:
• Medical emergency expenses and medical repatriation
• Curtailment – cutting short your trip, e.g., from two months to one month
• Personal belongings
• Missed departure
• Cabin confinement – if the ship’s medical officer confines you to your cabin for health reasons
• Unused excursion – if you can’t use a pre-planned excursion
It’s vital to note that different providers have different guidelines for their policies. For instance, while some insurers might cover you for curtailment regardless of the reason for shortening your trip, others may only cover you if your trip is shortened due to medical reasons and family emergencies.
So, be sure to read in between the fine print to understand what situations warrant reimbursement and those that don’t.
How do I get affordable cruise travel insurance?
The best way to get affordable insurance is to compare policies from different providers. Luckily for you, at Compare Insurance, we have tools and resources that you can use to compare quotes from multiple insurers at a time.
Use our comparison tool today to get competitive pricing on cruise travel insurance.