If you are planning to go on a vacation that too on a cruise then you must buy a travel insurance policy. It totally depends on you whether you want to go for comprehensive insurance or a specific one. We are talking about cruise insurance. A cruise travel experience is definitely breath-taking. That is why to make it stress-free, you must go for this type of insurance. Most of the travelers even face sea-sickness due to the change in atmosphere and other conditions. There are various uncertainties that may be waiting for you. If we think about the worst situation then accidental drowning is possible. There are a number of things that can happen on board. So planning a cruise holiday should also include an insurance plan. Here, we will take you through details on travel insurance cover for a cruise.
What Does Cruise Travel Insurance Cover?
Cruise travel insurance is highly beneficial as it secures non-refundable investments. It is an excellent way of reimbursing even in case of cancellations. Let’s take you through the coverage it offers:
#1. Trip Cancellation:
The highlight of a good cruise travel insurance policy is reimbursement for trip cancellation charges. It helps them by paying the full cost of your prepaid and even non-refundable travel expenses. Remember you get coverage according to the policy maximum if the reasons come under the policy.
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Here are the few reasons that you will find in the policies:
- You fall ill due to some unexpected injury and your physician suggests that you can go on board.
- You and people traveling along with you are directly involved in an accident.
- Someone from your family dies and it makes sense that you cannot go on a trip.
- There is a terrorist incident in the city that comes under your cruise itinerary. Now, your cruise cannot change its route.
- Due to the occurrence of natural disasters, the destination you are planning to visit is inhabitable.
#2. Trip Delay:
This benefit is going to reimburse you if you get delayed for 12+ hours due to an unwanted hazard. You will get benefits up to the maximum benefit of your policy. For example, there is a heavy fog that causes your initial departure to delay. Now, you have to book a hotel room to stay in. Also, you have to pay for meals that were into account until there was a sudden delay in traveling. That’s when the travel insurance cover for a cruise helps.
#3. Trip Interruption
The trip interruption provides you compensation if you are unable to continue with your cruise journey. The reasons could be one of those that come under the trip cancellation section. If the incident occurs after your departure on your cruise then only you can avail benefits. Suppose you set foot on the cruise and on the way you receive devastating news. It could be of death of your close family member.
With trip interruption, you get compensation for the trip you didn’t get a chance to travel. In fact, you will get reimbursement for your return air ticket.
#4. Medical Evacuation
Under medical evacuation, you get coverage for emergency air or ground transportation. The transportation is from a hospital or emergency facility that doesn’t have proper facilities to treat you. So it is important to shift to the nearest hospital that can provide adequate care. Here, it’s necessary that the physician provides you a certification that the evacuation is important. And yes, any other means of transport would mean the loss of your life or body part. Yes, travel insurance cover for a cruise also includes medical evacuation.
#5. Accident And Sickness Medical Expenses
The accident and sickness medical expense provide coverage for health care expenses. These expenses are for important services and supplies. Your physician must prescribe for the treatment of the covered injury or illness. The benefits cover expenses like ambulance service, charges for cruise ship infirmary, and more.
For example, while on the cruise ship your child faces a nasty fall. Now, you have to ship your child to the nearest emergency room. You are at your home that you can drive and move to the hospital. You have to rely on a local ambulance for it. That’s when the accident and sickness medical benefits come into the picture.
How Much Do You Need To Pay To Get Travel Insurance Cover For A Cruise?
The final cost of a standard policy depends on your overall vacation expenses. It is generally 5 to 10 percent of the total amount you pay beforehand. It also includes a non-refundable trip cost. These estimates are according to the data that Squaremouth provides. However, the premium varies depending on the policy and provider. There are primary factors for it. Your total trip cost, age of the travelers, and duration of travel. It is obvious for old people to pay more for the same policy as compared to younger ones.
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If you want benefits like cancel for any reason then you have to pay a higher premium. It certainly increases by 40 percent over the cost of a standard policy. Also, the coverage won’t be more than 75 percent of the total trip.
Final Words
Travel insurance cover for a cruise has multiple benefits. Sometimes a few things are not even under our control. Suppose you fall seriously ill during your cruise. So you have to visit your cruise ship’s medical facility for treatment. These facilities do not have enough equipment to treat you. So you have to shift to the nearest on-shore hospital. Obviously, you need specialists for proper treatment.
Cruise travel insurance will cover these expenses. It makes your travel experience worry-free. So we highly recommend considering travel insurance for cruise plans. Go through the complete coverage list to understand the number of benefits you get. You can also contact your insurance advisor. In case, you want to ask anything on this topic then feel free to contact us. We will get back to you with answers to your queries in the shortest time possible.
