What kind of travel insurance coverage do I need for a cruise?

 

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Travelers who want to insure the cost of a cruise should look for Trip Cancellation style policies. Those who are only concerned with medical coverage can save money by not insuring a trip cost, and rather, looking for a policy with only Medical, Medical Evacuation and other benefits. Travelers who are concerned about both should look for a comprehensive policy.

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Trip Cancellation Coverage
Policies with the Trip Cancellation and Trip Interruption benefits can reimburse you for canceling or interrupting your cruise due to a covered reason, such as illness, injury, or death of you, a traveling companion, or a family member.

You have the option to insure all, some, or none of your trip expenses with standard Trip Cancellation policies, including the cost of the cruise, and flights and hotel stays related to the cruise, as well as any prepaid and nonrefundable excursions, car rentals, etc. Certain benefits, like Cancel For Any Reason or Pre-Existing Condition coverage, may require you to insure 100% of your trip costs.

Medical Coverage
Squaremouth recommends a policy with at least $250,000 per person in Medical Evacuation and at least $100,000 per person in Emergency Medical coverage for a cruise. Medical Evacuation can cover an evacuation from the cruise ship to the nearest adequate medical facility, this can include an air ambulance from a ship or port. Emergency Medical coverage can reimburse the cost of unexpected medical treatment incurred while you’re traveling, this can include treatment on a cruise ship or when in port.

Comprehensive Coverage
In addition to Trip Cancellation and Emergency Medical coverage, comprehensive policies can also include benefits like Travel Delay and Missed Connection coverage, which provide reimbursement for meals, accommodations, and local transportation when a trip is unexpectedly delayed by at least 3-12 hours. Covered reasons commonly include mechanical breakdown of a common carrier or a delay due to inclement weather. These benefits can also cover the additional costs for you to catch up to your cruise at the next port.

This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available 24/7 and are delighted to help.


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