Bon voyage! You’ve finally booked that luxury cruise to some exotic location a question occurs to you – Should I purchase travel insurance? The last thing you want to worry about is travel insurance and besides, what could go wrong? Trust me – there’s a myriad of things that can go wrong on a cruise vacation and having insurance can wash those worries away, allowing you focus on more important things like which swimsuit you should pack!
Here are some tips for planning your next cruise: Cruise Travel Advice. The following are some key things to consider:
Trip Cancellation – What if something happens and you can no longer go on your cruise? Sickness, accidents, job loss, destruction to your primary residence and even death can occur. You can insure your non-refundable trip costs so that you’re protected against unforeseen events that can cause your trip to be canceled.
Trip Interruption – Sometimes trips can be delayed. What if you’re involved in a traffic accident on you’re way to the airport and you missed your flight or connection? A lengthy trip delay can cause you unexpected food and lodging expenses, having travel insurance can help you re-coup these costs.
Baggage Delay/Loss – What if you arrive from the airport in time to depart but your baggage missed the boat? This is an inconvenience that unfortunately, happens more often than you’d like. Cruise Travel Insurance can provide coverage to make sure your bag gets to the next port of call.
Medical Expenses – Everyone usually thinks “It won’t happen to us” but accidents happen all the time. Slips, falls, illnesses and injuries can occur anytime and travel insurance can help to cover expensive medical costs and diagnostic testing.
Emergency Medical Evacuation/Repatriation – What if something catastrophic occurs like a heart attack, stroke or other serious illness/injury and requires you to be flown from the ship (usually from out in the middle of nowhere) to a full service hospital? Medical Evacuation Insurance can provide this life-saving benefit to you or your loved ones. It also covers the repatriation of remains if a death occurs during an insured vacation.
When should you purchase a Cruise Travel Insurance policy?
This is really important if you want a “Trip Cancellation“ benefit on your plan. Trip Cancellation benefits are usually only available if you purchase the insurance plan within a certain numbers of days from when you purchased your cruise. This time-frame is typically between 10 and 20 days. However, if you’re just looking to cover medical (accident/sickness) then these policies can be purchased the very same day you’re leaving.