Cruise Trip Insurance Options
Before stepping on-board the ship and embarking on your next transatlantic cruise, you should consider discovering more about cruise insurance. We know that it can seem overwhelming and exciting; as you plan a cruise, worry over what to pack and finalize travel arrangements, but cruise insurance is important for both you and the others who will be travelling with you. There are a few different options for cruise insurance, which can make choosing the best one seem confusing. Here are a few questions regarding cruise insurance and our answers for you.
Why is regular travel insurance not adequate for a cruise holiday?
Although travel insurance may seem like it would cover cruises, some policies actually exclude coverage for cruise holidays. One reason why travel insurance is not adequate for cruise insurance is due to medical expenses, especially if you will be cruising somewhere far. If you became injured or ill on the ship, it would be expensive to transport you back to the UK. Many regular travel insurance policies will not provide enough coverage for the cost of transport and medical coverage.
Do you need one time only or annual insurance?
You can purchase cruise insurance that will only cover one trip or purchase an annual policy that will cover you throughout the year. With a one trip policy, you are only covered for that one cruise. If you decide to purchase insurance for only one cruise, make sure you find out how many days you are covered for, as some policies will have a limit on the length of time you will remain covered. If you purchase annual insurance, you will remain covered through the year, no matter how many trips you take. If you make frequent trips, then an annual policy is usually the better way to go, as it will be cheaper.
Do you need special provisions for extreme or winter sports activities?
If part of your holiday will be spent partaking in winter sports activities, we recommend consulting with your broker before you purchase insurance. Due to the increased risk of being injured whilst enjoying winter sports activities and the possibility of added expenses for large medical bills, winter sports holidays require a different type of travel insurance. For those who are adventurous, you should also speak with your broker before buying an insurance policy. Some activities, such as scuba diving or bungee jumping, may not be covered under the policy. You may have to pay extra expenses to have these items covered in your policy, but it is worth it to ensure you are protected in the event you injure yourself.
Do you need extended stay insurance?
If you are planning on spending the winter somewhere warmer or if you are about to journey on a trip around the world, you may need an insurance policy with an extended stay option. Make sure to speak with the insurance company that provides you with home contents insurance, as they may require notice of your trip if it will last longer than 30 days.