If I already have coverage through my cruise, should I still purchase a policy which includes Emergency medical coverage?

Last Updated: January 6, 2015May 24, 2023

Short Answer

If you have already purchased a travel insurance policy, you do not need to purchase an additional policy, unless you are looking for additional coverage.

More Detail

You are able to supplement your coverage by purchasing a second insurance policy. If you choose to do this, please make sure that this policy does not have the same provider or underwriter as your other policy.

We always recommend reading through your policy certificate to make sure that you have sufficient coverage for your trip. The medical coverage amounts that we usually recommend for a cruise are $100,000 for Emergency Medical and $250,000 for Medical Evacuation.

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 from 8am to 10pm ET seven days a week and are delighted to help!