Cruising is a wonderful experience, but it's important to ensure that you're covered by travel insurance. With the increasing popularity of ocean and river cruises, it's essential to understand the benefits of cruise insurance and why it should be included in your cruise expenditures. Let's explore what cruise insurance covers and why you should consider it.
What is covered by cruise insurance?
When considering cruise insurance, it's crucial to review the coverage provided by both the cruise line and independent travel insurance companies. Reading the fine print is paramount. Here are some aspects to consider:
Trip cancellations
Trip cancellation insurance reimburses your trip cost if you need to cancel due to a covered reason. Along with common reasons like a medical emergency, many plans cover a wide variety of scenarios. However, it's important to verify if any penalties apply in case of trip cancellation.
Cancel for any reason (CFAR)
CFAR coverage is separate from trip cancellation insurance and protects you if you need to cancel the cruise for any reason. The specifics of this coverage may vary between insurance companies, so discussing the details with your agent is crucial.
Pre-existing conditions
If you have a pre-existing health condition, check with your travel insurance provider to understand the coverage available for sudden recurrences. It's important to note that coverage for pre-existing conditions may differ from coverage for new injuries or illnesses.
Medical coverage
Depending on whether you are sailing nationally or internationally, it's crucial to speak to your designated insurance agent to determine the best plan to address your current health issues.
Lost and delayed luggage
Baggage delay coverage allows you to purchase essential items while waiting for your bags to arrive at your destination. Most plans offer reimbursement for purchased clothing and essential items if your baggage is lost or stolen. However, it's advisable to check the details beforehand.
What type of insurance do you need for a cruise?
According to Suzanne Morrow, senior vice president of InsureMyTrip, travel health insurance can come in handy for a cruise. Even if you're young and in excellent health, travel health insurance covers a wide range of issues and accidents that can arise during your cruise.
For older folks, it's important to note that Medicare does not cover health care services when the ship is more than six hours from a U.S. port. Additionally, a medical emergency may require an expensive airlift to the nearest hospital, which can cost as much as $100,000 or more. Travel health insurance can significantly reduce this cost.
Morrow also recommends purchasing travel insurance with CFAR coverage. CFAR may reimburse you up to 50% to 75% of your prepaid, nonrefundable costs if you need to cancel for any reason. However, it's important to understand the coverage explicitly defined in your contract and seek clarification from a representative if needed.
Does travel insurance cover flight cancellations?
Last-minute flight cancellations are becoming increasingly common. It's essential to understand what scenarios are covered by travel insurance. Although weather and mechanical issues may be covered, insurance companies generally are not liable for canceled flights due to crew not showing up. It's important to be aware of these limitations and plan accordingly.
Who offers travel insurance for cruises?
There are numerous cruise insurance companies available, so it's crucial to do your research to find the right one for your situation. To maximize the value from your travel insurance plan, purchase it within 14 days of paying your trip deposit. Buying cruise insurance early ensures that you are protected sooner.
More cruising tips for smooth sailing
In addition to purchasing cruise travel insurance, there are several things you can do to ensure a smooth sailing experience:
Arrive at your cruise home port a day in advance
Arriving at your cruise ship's home port a day in advance can make a significant difference. With frequent flight delays and cancellations, an early arrival can help you avoid missing the boat. Although it may involve using additional vacation days and incurring overnight accommodation expenses, the peace of mind is worth it.
Cruise with carry-on luggage only
Packing light and traveling with carry-on luggage can save you time and trouble. Most cruise lines offer free laundry facilities or bathroom drying lines, allowing you to pack light and take advantage of these amenities. In case you have to check bags, travelers' insurance can come in handy if your luggage doesn't make it onto the ship.
By considering these tips and investing in cruise insurance, you can ensure a stress-free and enjoyable cruise vacation. Bon voyage!
Cruising is a wonderful experience, but be sure you are covered by travel insurance
