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Travel Insurance

Travel insurance for a cruise holiday

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.

Photo: Free image by Pixabay
Categories
Travel Insurance

3 holidays that make travel insurance more expensive

When looking to go on holiday, travel insurance is a must. Being insured for the unforeseen is essential for a stress-free trip. There are many levels of insurance that are available, depending on what kind of trip you have planned. If you are going on a standard beach holiday, for example, most holiday insurance will cover you for the basics. However, there are some types of activity holidays that can increase your insurance premium. This is largely due to the increased risk of you needing to claim on your insurance. These are known as ‘optional’ or ‘add-on’ costs and they allow for more comprehensive and specific cover.

Here are the top 3 holidays that will increase your insurance costs.

Winter sports

Comprehensive medical insurance is essential for a ski or snowboard holiday. Broken legs or fractured bones can ruin a trip, but you don’t want to be burdened with spiralling hospital costs as well. Alongside medical cover, an extra travel insurance add-on will ensure you’re covered for such eventualities as piste closures, lost lift passes, and associated ski equipment hire, amongst other things.

Golfing holiday

Alongside winter sports, a golf holiday needs a special mention on your travel insurance. If your equipment and clubs are stolen, lost or damaged, or if you don’t make it onto the course, you will be compensated for the costs you incur. Replacement golf equipment hire and the reimbursement of green fees comes as standard too.

Going on a cruise

This additional cost to your insurance premium is a must if you are going on a cruise. Loss of valuables and baggage will often only be covered with this add-on premium. This insurance is very specific and can even cover you if you are unexpectedly confined to your cabin.

One way to off-set these add-on costs could be to increase your excess, which is a term used to describe the money you pay before your insurance pays the remainder of the cost. Be sure to compare all the different travel insurances out there to get the best possible price.

Photo: Free image by Pixabay