Getting cruise insurance is very important. Read the article to know the benefits of cruise insurance.
For many, cruising is the quintessential vacation of a lifetime. However, unexpected scenarios like medical emergencies, cancellations of trips, and missed connections change a dream into a financial nightmare. Cruise insurance aims to cover these risks so that you don't lose thousands of dollars for any unforeseeable reason.
Many travelers think that their credit card company or their basic health insurance will cover them, but that is usually far from the truth. This is especially true when you are cruising internationally. For you to make an informed decision, we will explain why cruise travel insurance is necessary, what it covers, and how to pick the best policy.
It is an insurance type whose objects are a trip for any cancellation, medical emergencies, evacuation, lost luggage, and interruptions with special reference to cruise trips. Since medical facilities aboard cruise ships are mostly out-of-network with respect to insurance, and Medicare does not provide cover for foreign medical expenses, it is very important to possess cruise travel insurance.
Because of the high-stakes nature of cruise vacations, cruises are advised to take out travel insurance by the U.S. State Department The possible reasons could include:
Also Read: What Is the Best Travel Insurance for a Cruise?
Medical emergencies are commonplace and expensive on cruise ships. Treatment on board can range from hundreds to several thousands of dollars, depending on severity. Cruise trip insurance covers doctor fees, hospital charges, prescription medications, and emergency dental care.
Example: While on a cruise in the Caribbean, a traveler suffered a heart attack and required immediate hospitalization in the Bahamas. Bill was over $50,000*, and his expenses were completely covered due to having cruise trip insurance.
The cost of getting seriously injured or sick to the nearest medical facility can run into six figures, depending on the location. Since cruise ships do not have full-fledged hospitals, serious cases warrant evacuation via helicopter or speedboat in the event of a medical emergency.
Example: A woman fell and broke her hip while on an Alaskan cruise. Because there were no orthopedic specialists onboard, she needed a medical evacuation to a hospital in Seattle, which cost $150,000*. Her cruise travel insurance for seniors covered the entire amount.
A last-minute emergency-such as a sudden illness in a family member, layoff from work, or severe weather-may force you to cancel your cruise. Most cruise lines offer a limited refund, and without cruise holiday insurance, you stand to lose thousands of dollars of your non-refundable costs.
Example: A family had to cancel their European cruise due to sudden hospitalization. Their best travel insurance for cruises compensated them for $8,000* in pre-paid and non-refundable expenses.
Your delayed flight won't delay the cruise ship. If you miss the cruise departure, rebooking a last-minute flight to reach the next port could be too costly.
Example: A couple's flight was delayed and they missed their cruise departure from Miami. Their cruise trip insurance covered the cost of the new flight to catch up to the ship in Mexico.
A cruise trip involves multiple flights, buses, and transfers, offering good chances for the luggage to go missing. Several cruise travel insurance plans cover the cost of buying essential items in case luggage is delayed, lost, or stolen.
Example: On a flight going to her cruise departure, a senior traveler's suitcase with all her medications went missing. Her cruise travel insurance for seniors compensated her for costs incurred to replace clothes and procure urgent medication.
Also Check: What Kind of Cruise Travel Insurance Do You Need?
Not everything is covered, of course. Some of the common exclusions are:
To avoid surprises, read your policy before you buy.
It's easy: Get cruise travel insurance. From a weekend in the Caribbean to an extravagant cruise across the world, cruise travel insurance protects your health, finances, and vacation investment.
Don't risk losing thousands of dollars because of an unforeseen incident. Compare the best cruise travel insurance today and set sail with peace of mind!
Pro Tip: When you do your comparison shopping, consider all major companies, such as Allianz, Travel Guard, and Berkshire Hathaway, so that you may determine which plan is best suited to meet your needs.
For sure! Even a small medical emergency and travel delay can run thousands of dollars. So, paying 5 to 10 percent of the cost of the cruise itself for insurance gives one peace of mind and financial protection.
The best cruise insurance will cover medical emergencies, trip cancellations, missed connections, and medical evacuations. Some top-rated cruise policies are offered by Berkshire Hathaway, Allianz, and Travel Guard.
You should purchase cruise trip insurance as soon as you book your cruise. Many policies offer pre-existing condition waivers if purchased 14 to 21 days after booking.
No. Medicare does not provide treatment coverage outside the U.S. and onboard cruise ships further than six hours from a U.S. port. Hence, cruise travel insurance for seniors is very crucial.
Observe the policies for medical coverage of over $100,000* and emergency evacuation in the range of $250,000* which include trip cancellation, missed connections, and loss of baggage insurance.
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