No matter how much care cruise lines put into planning their itineraries – or how much time we put into planning our cruise vacations – there are things outside our control that can disrupt a cruise that we can still plan for. These include weather, illness, airline delays and more.
Fortunately, some peace of mind is available in the form of travel insurance. Purchasing insurance for your next cruise can’t prevent disruptions, but it can protect your vacation investment if problems arise. While the cost of travel insurance for a cruise varies according to cruise length, destination and how many people are being covered, it’s always just a fraction of your investment in your cruise vacation.
Here’s a quick look at what travel insurance for a cruise customarily covers. Of course, when you’re ready to purchase, review the policy carefully so that you understand the specific details of your coverage.
· Trip interruption: This type of coverage is useful, for example, when a ship develops mechanical problems during a cruise and can’t proceed. In this type of situation, the cruise line usually compensates passengers, but insurance will give you extra protection, such as covering the cost of your airfare changes.
· Trip cancellation: This protects your investment when an unexpected event – such as a serious illness, a death in the family or a job loss – makes it impossible for you to take your scheduled cruise.
· Trip delay/missed connection: This covers you if travel delays cause you to miss your flight to the port of departure, or if your flight doesn’t arrive in time for you to get to the ship.
· Baggage delay or loss: This provides some necessities (such as clothing and toiletries) when you arrive the port of departure, but your luggage goes somewhere else.
· Medical expenses: Your ship will have a medical bay, but your existing health insurance plan may not cover treatment there (be sure to check your existing policy to see if it covers you during international travel). Travel insurance that includes medical benefits can pay for treatment on the ship or in a port of call; it may even include coverage for emergency medical transport if you need to return home for treatment.
· Financial default by a travel provider: It’s rare, but it can happen.
There’s more to know, including what insurance usually does not cover (cloudy weather, itinerary changes) and options you might choose to add on for an additional cost. Talk with Anita, your professional travel advisor about travel insurance options for your next cruise.
Find us on Facebook: www.facebook.com/AtthetaTravel