Cruise Travel Insurance - A Guide To Travel Insurance for Cruises
Wherever you go on holiday, unless you are independently wealthy
and can cover yourself in all eventualities, then you really do
need travel insurance. If you decide that this year you are going
to have your first cruise then you probably will need extra cover.
When you book the cruise with your travel agent you will find that
insurance is included with many trips and in some cases may be
mandatory. You should check this policy and the best advice is
not to rely on this cover alone. The reason is that most travel
agents do not give refunds if you have to cancel within days of
going away, this seems to always be the case with cruises.
It is always best to make sure that you are covered if there is
an unexpected illness or death in the family or something happens
to the family home while you are away. You should also have cover
if for any reason you fail to reach the ship in time for cast off.
Picking the cruise ship up further along the road could cost you
a lot of money.
When you buy insurance for you cruise try to get a policy that
has some allowance for dental treatment. If a tooth gets broken
or you lose a cap or filling while you are away it could cost you
a lot of money.
When you go on a cruise what you are
really looking for is a good time, but there is always the chance
that you might fall ill. Medical costs can be prohibitive in
some countries, depending on where your cruise ship is docking,
and it is best to have the most comprehensive cover that you
can afford. The cruise insurance should cover you for lost or
stolen travel documents and currency but you should check your
personal insurance because this may already cover you for this
and you don’t want to pay twice.
Cruises often involve active sports
either on board or in the water and most policies do not cover
you for injuries sustained in these. If for example you hired
a scooter while you were on shore and had an accident then you
might find that you are not covered. Most policies would not
cover you for motor sport accidents or any risks involved in
scuba diving. If the travel insurance company restricts policies
for these types of things you would need special insurance. Scuba
diving can be risky and if you regularly engage in this sport
you may need a specialized provider, organizations such as the
Divers’ Network will be able to point you in
the right direction for getting this cover.
There are travel insurance companies who will give you a tailor
made policy when you tell them your requirements but you do need
to do your research. Premiums vary greatly, even for the same amount
of cover so it is worth your while to see what the internet has
to offer. A good place to start for insurance and price comparisons
is somewhere like insuremytrip.com, which gives comparisons for
thirteen different companies.