THE best cruise travel insurance
Last Updated: 5/8/21 | may 8th, 2021
Travel insurance is one of the most important things you can get for your trip.
As I’ve come to learn — and as any traveler will tell you — things don’t always go as planned when you travel.
You just never know what will happen.
Sure, nine times out of ten you’ll be completely fine. but every now and then you’ll stumble into an unfortunate situation.
Maybe it’s just a missed flight or a delayed connection. maybe your wallet disappears while riding a crowded bus. Maybe, like me, you burst an eardrum while scuba diving in Thailand.
Bad things, unfortunately, do happen when you travel. and they can get really expensive if you’re injured or fall sick abroad and are not insured.
But what about if you’re taking a cruise — how does travel insurance work then?
Well, of course, you still need travel insurance if you’re on a cruise, but there are some extra things you’ll want to be aware of.
7 things to look for in a cruise travel insurance Policy
1. Make sure that whichever travel insurance policy you choose, you double-check that it’s valid for any emergency and problem that might arise on a cruise specifically. Often, cruise coverage is an extra charge on top of your regular travel insurance.
2. even if you’re cruising close to home, you may still run into unforeseen issues. For example, in the United States, medical insurance stops covering you when your ship is more than six hours away from a us port; in Australia, it stops as soon as your ship leaves port. For that reason, you’ll want to get a policy that covers you even if you’re in/around your home country.
3. Be aware that the treatment for less serious medical conditions — the kinds that don’t require you to leave the trip — are more expensive on a cruise ship than on land. Make sure your policy has a sufficient amount of medical coverage (at least $100,000 USD).
4. Remember, if you fall seriously ill when you’re at sea and you need to be evacuated to a hospital, it’s more expensive than if you’re already on land. Evacuation by helicopter, to the nearest treatment facility, can be in the tens of thousands of dollars. Make sure your policy has sufficient evacuation coverage (at least $250,000 USD).
If you don’t want to get stuck in that “nearest” hospital, consider getting Medjet. They are the premier membership program that then gets you all the way to a hospital at home.
5. Be sure to have cancellation, delay, or trip interruption coverage too. For example, if you have a flight delay that means you’ll miss the start of the cruise, it’s a lot more difficult to deal with than just arriving late for a land-based trip. Hurricanes or other severe weather events also affect cruises significantly, and you’ll want your insurance policy to take that into account.
6. Take a look at the shore activities you might participate in during the cruise and check if any need to be mentioned to your insurer, like certain adventure activities or water sports.
7. Unlike other kinds of travel, you might be more likely to take valuable jewelry and expensive clothing on a cruise, for some of the fancy dinners and events cruise ships hold. typically a regular travel insurance policy will only cover these items up to a certain value, so check that your valuables are covered against possible loss or theft.
What is the best cruise travel Insurance?
With so much to consider, it can be hard to decide which cruise travel insurance to choose.
Be aware that while many cruise companies offer their own insurance, the conditions are typically stricter, and you might find it hard to make a claim. For example, they typically will only reimburse up to 75% of your expenses, tend to have only a short list of reasons you are able to cancel for, and rarely cover pre-existing medical conditions. You’re always better off using a third-party insurer.
Whichever policy you decide on, it’s vital that you read the policy details carefully so you know exactly what you are covered for.
The insurers below are some I recommend that have specific cruise insurance policies and offer a decent amount of coverage for a lot of potential mishaps.
Travel Guard
Travel Guard has specific cruise insurance policies, which makes it simpler than trying to find an add-on. If you’re getting a quote online, they’ll ask you to specify if you’re taking a plane, a cruise, or both. They cover any emergency travel assistance, trip interruption, delay, or cancellation.
Medical expenses and emergency evacuation are covered, but the maximum amount varies between the essential, preferred, and deluxe plans: the vital plan includes a $150,000 limit on emergency evacuation, which might not be quite enough from some parts of the world, but you can get up to a million dollars of coverage on the deluxe plan.
VisitorsCoverage/IMG
In early 2019, VisitorsCoverage and IMG partnered to launch a new insurance product specifically for crUise reisende, kalt Safecruise. Safecruise -planen inkluderer all den ekstra beskyttelsen du trenger som cruise reisende, og har til og med et oppgraderingsalternativ for å inkludere dekning på opptil 75% av forhåndsbetalte, ikke -refunderbare kostnader hvis du kansellerer av en eller annen grunn.
Nødvakuering eller medisinsk hjemsendelsesdekning har en høy grense på $ 1.000.000. I tillegg, så lenge du kjøper forsikring når du betaler den endelige turen, er det også avkall på de fleste eksisterende forhold.
Forsikre turen min
Forsikre meg er et objektivt aggregatornettsted som vil se på mange forskjellige forsikringer for å finne den som best passer dine behov.
For eksempel, hvis cruise er i orkansesongen til et område som kan bli påvirket, tar søkealgoritmen det med hensyn til og anbefaler reiseforsikringer med god dekning for værproblemer. Det er også det beste stedet å finne reiseforsikring for reisende over 65 år.
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Ikke gå på cruise uten skikkelig reiseforsikring. Det betyr å være klar over og være litt mer oppmerksomhet enn vanlig for forholdene i policyen din. Forsikre deg om at enhver policy du velger dekker deg tilstrekkelig for medisinsk evakuering, medisinsk behandling ombord og andre uhell som tapte forbindelser, stjålet bagasje, forsinkelser og kanselleringer.
Hvis du ikke har råd til å legge cruise -reiseforsikring til kostnadene ved turen, har du sannsynligvis ikke råd til å reise. Det er bare ikke verdt risikoen for å komme hjem med en regning i titusenvis av dollar eller mer hvis noe uventet går galt.
Etter min erfaring er det alltid bedre å være trygg enn beklager. Tryggheten er verdt den ekstra kostnaden.
Hvordan reise verden rundt på $ 50 om dagen
My New York Times bestselgende pocketbok guide til verdensreiser vil lære deg hvordan du kan mestre kunsten å reise slik at du kommer fra allfarvei, sparer penger og har en dypere reiseopplevelse. Det er din A til Z -planleggingsguide at BBC kalte “Bibelen for budsjettreisende.”
Klikk her for å lære mer og begynn å lese den i dag!
Bestill turen: Logistiske tips og triks
Bestill flyet ditt
Finn en rimelig flytur ved å bruke Skyscanner. Det er min favoritt søkemotor fordi den søker på nettsteder og flyselskaper over hele kloden, slik at du alltid vet at ingen stein er igjen.
Bestill overnatting
Du kan bestille vandrerhjemmet ditt med Hostelworld. Hvis du vil bo et annet sted enn et herberge, kan du bruke booking.com, da de konsekvent returnerer de billigste prisene for gjestehus og hotell.
Ikke glem reiseforsikring
Reiseforsikring vil beskytte deg mot sykdom, skade, tyveri og kanselleringer. Det er omfattende beskyttelse i tilfelle noe går galt. Jeg går aldri på en tur uten det som jeg har hatt å bruke det mange ganger i fortiden. Mine favorittbedrifter som tilbyr den beste servicen og verdien er:
Safetywing (best for alle)
Forsikre min tur (for de over 70)
MedJet (for ytterligere evakueringsdekning)
Klar til å bestille turen?
Sjekk ut ressurssiden min for de beste selskapene som skal brukes når du reiser. Jeg lister opp alle de jeg bruker når jeg reiser. De er de beste i klassen, og du kan ikke gå galt ved å bruke dem på turen.