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Preexisting medical conditions are covered by this policy, though you must purchase your policy within 14 days of your trip deposit. All five plans provide coverage for COVID-19-related trip cancellation and interruption. Walch advises all travelers booking a cruise to consider a plan that includes cancellation coverage for COVID-19. According to Walch, "You'll need a doctor saying that you have been diagnosed with COVID and specify that you are unable to travel." You'll want to be reimbursed if an unexpected event forces you to cancel your cruise. Be sure to read the fine print of your policy, detailing which specific reasons for canceling your trip are covered and not covered.
The Guide to Cruise Travel Insurance
It pays to read the fine print of the actual policy documents before you make your purchase decision. Incidents related to terrorism and labor strikes may be included in insurance policies. It's always advisable to carefully check your policy's description of coverage to determine how these events are covered. This is a general representation of coverage and some benefits may differ based on your quoted information or not be available if all eligibility requirements aren’t met.
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For example, if you have secondary insurance and someone steals your camera from your bag in St. Mark's Square, you'll need to try to collect on your homeowner's or renter's policy first. A standalone emergency evacuation policy is a good choice if you don't plan on getting other insurance but still want coverage for a medical emergency. While evacuation/repatriation is generally included in top-of-the-line policies, you may also purchase more comprehensive, standalone evacuation policies from companies like MedJetAssist. The first thing to know is that your insurance policy only protects you; if you want the rest of your family or travel companions to have the same protection, then they must be added to your policy (or take out their own). The one exception is that some policies cover children under 17 traveling with an insured guardian at no additional charge. You're unexpectedly stricken with appendicitis a week before your cruise embarks.
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The Aegis Go Ready Choice policy covers COVID-19 medical and cancellation, trip cancellation and interruption, medical evacuation, and medical expenses. If you’re worried about illnesses or potential injuries during your cruise, travel medical insurance covers medical expenses up to a maximum amount. This coverage is worth considering if you’re cruising abroad, as domestic healthcare may provide limited to no coverage out of the country.
HTH’s TripProtector Preferred policy provides luxury-level benefits, including superior medical and evacuation benefits and trip interruption coverage, but it also comes with a high average price. Depending on where and when you are cruising, hurricane coverage might be one of the most important cruise insurance plan features. Hurricane coverage reimburses any prepaid expenses for your cruise trip if it is canceled because of a hurricane. If you are departing from the east coast or are cruising during hurricane season, this coverage is a must-have.
How Much Does Cruise Insurance Cost?
These reasons range from death and illness to jury duty summons and family emergencies. TravelSafe provides optional add-ons, such as an extended personal protection package, additional death and dismemberment coverage and rental car damage. If you buy the Classic plan, you may also add CFAR, which gives you up to 75% protection if you cancel your cruise trip for any reason.
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Plans will vary as some of these coverages have limitations and eligibility requirements. We recommend speaking directly with a Customer Care agent to ensure your policy has the right coverages for you. The California Consumer Privacy Act gives California residents the right to opt-out of the sale or sharing of their personal information. A “sale” is the exchange of personal information for payment or other valuable consideration and includes certain advertising and analytics practices.
You can buy cruise insurance from the cruise line when you book, or a travel agent may offer cruise insurance plans. You also have the option to purchase cruise trip insurance independently. It’s a good idea to get multiple quotes to compare your costs and coverage and get the best deal on cruise insurance.
Those reasons and so many others are why cruisers seek insurance coverage -- and why we recommend it. More importantly, it prevents you from losing money due to unforeseen circumstances and travel emergencies, and insurance fees are typically just a small percentage of your vacation expenditure. Unfortunately, in the past few years, cruise lines have been in the spotlight for situations that often end the cruise early, cause travelers to become sick or leave them stranded in the middle of the ocean.
Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like SquareMouth is a good place to compare multiple quotes from all of the major carriers at once. Seven Corners also offers the option of a preexisting conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.
Due to the unique nature of traveling by cruise ship, travel insurance is strongly recommended for all travelers. Depending on the plan, cruise travel insurance can protect against missed connections, an emergency evacuation, unexpected medical issues, baggage loss, and more. Remember, not all comprehensive travel insurance plans will have these benefits.
"Domestic transports, which we cover as well, can cost upwards of $30,000," Hallman said. "For people traveling internationally, it's crucial to know beforehand where to go for any treatment … and how they're going to pay for that treatment," Page said. The answers to these questions will guide you to the conclusion of whether trip insurance is needed or not.
The best way to determine what you will pay for your coverage is to get a quote. According to data from Berkshire Hathaway, you can expect to pay between 5% and 10% of your total cruise vacation price for insurance. While purchasing travel insurance to cover your cruise vacation is a personal decision, there are some coverages to look for that can enhance your policy.
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