If you get sick during your cruise, you should see the shipboard physician who will be able to recommend treatment, or order your disembarkment. Covered illnesses or injuries can be reimbursed under the Emergency Medical benefit.
The Emergency Medical benefit reimburses the cost of unexpected medical treatment incurred while you’re traveling. An emergency sickness is defined as an illness or disease, diagnosed by a licensed physician, that occurs during a covered trip.
If the onboard medical staff cannot treat your illness, the Medical Evacuation benefit can transport you to the nearest adequate medical facility.
Because medical treatment or an evacuation from a cruise can be more expensive, we recommend cruisers purchase a policy with $100,000 in Emergency Medical and $250,000 in Medical Evacuation.
These benefits typically work as reimbursement, meaning you are expected to pay for medical care out-of-pocket and file a claim when you arrive home. In an emergency situation, however, a provider can pre-authorize the medical benefit and pay directly for medical expenses.
This information can vary based on the travel insurance policy. If you have questions about a specific policy, please contact our licensed travel insurance experts. Squaremouth’s award-winning customer service team is available from 8am to 10pm ET, seven days a week, by chat and by phone at 800-240-0369.
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