What Does Cruise Travel Insurance Cover, and Why You Should Get It

Cruising is not always an easy task due to rough seas. An unexpected event can occasionally derail even the best-laid cruise vacation plans. Cruising-specific risk factors abound. You might not make it to our embarkation port in time if a flight is delayed by bad weather or a mechanical issue. The airline might misplace our checked luggage. Or perhaps you get sick while on the cruise and require immediate medical attention.


A trip can also be derailed by a number of other general problems, such as the illness or death of a family member, the change in plans of a travel companion, the loss of a job, airline delays, and misplaced luggage.


In all of these situations, you might find having cruise travel insurance will be helpful. Travelers look for insurance protection for all of these causes and many more. It offers us all that extra measure of control and serenity we seek. More importantly, it protects you from financial loss brought on by unforeseen events and unexpected travel emergencies, and insurance costs are typically a small portion of your trip costs.


This is another reason why you should read this article on cruise travel insurance tips to learn everything there is to know about this topic. It’s a lot of information, but the next time an unforeseen event occurs while you’re on a cruise, you’ll be glad you were informed and protected by a comprehensive travel insurance policy.


What does Cruise Travel Insurance Cover?

Most cruise insurance policies provide coverage for a wide range of potential problems that can arise both before and during a trip at sea. One common misconception about cruise travel insurance is that it is only required for sick or elderly travelers, those who pack expensive items in their suitcases, or those who book exorbitantly priced vacations. It’s crucial to understand that travel insurance policies can save us in a variety of circumstances.

  • Trip interruption 

A travel insurance policy will give you the most coverage and pay for any unexpected out-of-pocket costs that the cruise line won’t cover, like staying in a hotel while you wait for a flight back home.

  • Trip cancellation

Cruise travel insurance will pay you back for costs you paid out of your own pocket that you can’t get back.

  • Trip delay

Said, a mechanical problem on the way to cruise port means you’ll miss your next flight and your ship. These kinds of trip delays and missed connections are paid for by cruise travel insurance.

  • Medical Expenses

With the right cruise travel insurance, you can get fixed up right away without having to pay a lot of money out of your own pocket. (But take a note, in many countries, you have to pay a doctor or hospital before they treat you.)

  • Emergency Evacuation / Repatriation

An emergency evacuation from a cruise ship can cost a lot of money. It’s a big bill to pay out of pocket, but many trip insurance policies cover it. Trip insurance may also pay for the return of a person’s body if a death occurs while on an insured trip.


How to buy Travel Insurance

You can buy travel insurance through your cruise line, a travel agent, a specific insurance company, or a site that gathers information about different insurance companies. Ask your travel agent for advice. They will know about different insurance policies and can help you find the one that fits your needs best. No matter which policy you choose, you want to make sure it is backed by a good, licensed insurance company.


When to Buy Travel Insurance

Don’t be concerned if you’ve paid for your cruise but haven’t yet bought your airline tickets when it comes to purchasing travel insurance. When purchasing travel insurance, you can make an estimate of the cost of the airfare. Once the tickets have been purchased, give your provider your exact travel itinerary. And make sure to pay for travel insurance during the booking window.


In the end, only you can decide whether or not you need cruise travel insurance, which type is best for you, or even if it is even necessary. Establish your level of loss tolerance before continuing.