Don’t Miss The Boat – Get Cruise Insurance no comments
Cruise holidays have become an incredibly popular choice for couples and families. If you are spending time planning for that next big adventure, make sure you also spend some time finding out more about cruise insurance. Take the time to thoroughly explore your options when it comes to cruise insurance, so you can relax on-board the ship, knowing you are protected. Here are just a few reasons why we think cruise insurance is so important.
Not All Insurance Policies Cover Cruises
Although you may think that you are covered under your current travel insurance policy, you may not be. Some policies specifically exclude providing coverage to travellers that are on a cruise. Your cruise line may also not provide coverage for certain things that could happen, such as an injury that occurs whilst exploring the city at a port of call or if an injury occurs when you are participating in shore excursions. Cruise insurance is similar to regular travel insurance, but there are special provisions added in that are applicable to those who are on a cruise.
Your Medical Expenses Will be Covered
If an unfortunate event occurs, and you become injured or ill during the cruise, your medical expenses will be covered. This is especially important if you will be partaking in shore excursions or participating in water or winter sports activities. We do recommend speaking with your broker first, so you can make sure all of the activities you plan to do are covered in the policy. In most cases, the insurance company will cover your medical expenses, extra accommodations or any other travel fees that you incur due to illness or injury.
You Will Have Coverage if you Need to Cancel or There are Delays
Sometimes, something unexpected may happen, and you may have to cancel your holiday. If you have insurance, you should be able to reclaim lost expenses that are related to your cruise holiday. We suggest asking your broker if your policy allows for cancellation and what reasons for cancellation are acceptable before purchasing an insurance policy. If the cruise is delayed due to weather or other reasons, many policies will refund you the money for days that you lost.
We know that going on a cruise is supposed to be a time of happiness and relaxation; a time for you and your travelling companions to immerse yourselves in the luxurious surroundings and escape on a dream trip. Unfortunately, sometimes unexpected events occur that could cause your trip to be less than enjoyable. Cruise insurance will help you feel protected, so you can sit back and relax, without worrying how you will manage if something goes wrong. We do suggest speaking with your broker about purchasing insurance for each traveller who will be accompanying you on the ship, so you know that each member of your family is protected whilst travelling. You should also make sure your luggage is included in the policy, so both you and your belongings are covered.