“Travel insurance plans specifically identify which situations are covered,” advised Squaremouth Chief Executive Chris Harvey. “Look closely at the policy language because some will not cover assault or robbery.”
The robbery in St. Kitts signified an early end to the tour, which could be reimbursed by a policy. In this instance, all of the passengers returned to the ship on time. If such an event were to cause travelers to miss the departure or warranted an early return home, those travel expenses could also be covered. Remember, a claim would only be paid if assault is a covered reason in the policy.
The stolen personal belongings could be covered, but some plans restrict benefits to checked luggage only. Because the travelers in St. Kitts were robbed at gunpoint, the stolen items would not qualify as checked luggage. Also, no travel insurance will reimburse the loss or theft of money.
This incident has led to other cruise itineraries being re-routed to avoid St. Kitts. Cruise companies typically do all they can to atone for such a change, which makes a travel insurance claim unnecessary. If a traveler wants to cancel a cruise because of an itinerary change or fear of a situation like the robbery on St. Kiits, a policy with cancel for any reason coverage is the only option.
“Cancel for any reason is the catch all coverage.” Harvey said. “Travelers can cancel the trip without having to explain why, even if the reason is an itinerary change.”
To qualify for a policy with cancel for any reason, buy it soon after making the first trip payment and remember, a claim won’t pay all of the trip cost.
Squaremouth is America’s fastest growing travel insurance comparison site, helping customers instantly quote, compare and buy policies from every major carrier. Squaremouth has web sites in the US and UK, and an extensive network of partner sites worldwide. The company is headquartered in St Pete Beach, FL., with offices in Fort Wayne, IN. Visit Squaremouth.com or Squaremouth.co.uk.
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