Cruise Travel Insurance - A Guide To Travel Insurance for Cruises

Wherever you go on holiday, unless you are independently wealthy and can cover yourself in all eventualities, then you really do need travel insurance. If you decide that this year you are going to have your first cruise then you probably will need extra cover. When you book the cruise with your travel agent you will find that insurance is included with many trips and in some cases may be mandatory. You should check this policy and the best advice is not to rely on this cover alone. The reason is that most travel agents do not give refunds if you have to cancel within days of going away, this seems to always be the case with cruises.

It is always best to make sure that you are covered if there is an unexpected illness or death in the family or something happens to the family home while you are away. You should also have cover if for any reason you fail to reach the ship in time for cast off. Picking the cruise ship up further along the road could cost you a lot of money.

When you buy insurance for you cruise try to get a policy that has some allowance for dental treatment. If a tooth gets broken or you lose a cap or filling while you are away it could cost you a lot of money.

When you go on a cruise what you are really looking for is a good time, but there is always the chance that you might fall ill. Medical costs can be prohibitive in some countries, depending on where your cruise ship is docking, and it is best to have the most comprehensive cover that you can afford. The cruise insurance should cover you for lost or stolen travel documents and currency but you should check your personal insurance because this may already cover you for this and you don’t want to pay twice.

Cruises often involve active sports either on board or in the water and most policies do not cover you for injuries sustained in these. If for example you hired a scooter while you were on shore and had an accident then you might find that you are not covered. Most policies would not cover you for motor sport accidents or any risks involved in scuba diving. If the travel insurance company restricts policies for these types of things you would need special insurance. Scuba diving can be risky and if you regularly engage in this sport you may need a specialized provider, organizations such as the Divers’ Network will be able to point you in the right direction for getting this cover.

There are travel insurance companies who will give you a tailor made policy when you tell them your requirements but you do need to do your research. Premiums vary greatly, even for the same amount of cover so it is worth your while to see what the internet has to offer. A good place to start for insurance and price comparisons is somewhere like insuremytrip.com, which gives comparisons for thirteen different companies.

 

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