Imagine you are holding a mai tai, reclined in a deck chair next to your loved one, and watching the most gorgeous sunset while aboard an 1,800 foot cruise ship. Now imagine you are only imagining yourself being on that cruise, because you couldn’t make it in person due to some unforeseen emergency or hurricane. It’s quite the different vision you conjure, especially if you have already paid for the tickets without adding Cruise Insurance.
Cruise insurance policies contain a variety of coverages specifically selected to protect you through your entire cruise experience. Here are a few examples of the coverages you will find:
Trip Cancellation and Interruption Coverage
If you’ve ever taken a cruise, you’ll know how expensive they can be. That’s nothing compared to how expensive they can feel when you pay, but can’t play because of illness, injury, or bad weather. This coverage will refund all prearranged payments when you can’t make the trip for any of the covered reason on the policy.
Travel Medical Coverage
Even when you are on an American ship traveling along the U.S. coastline, your primary health policy may not follow you out to sea. With greater frequency of medical incidents occurring on cruises, the need for travel medical insurance has never been greater. Make sure your unexpected health costs do not fall on your shoulders.
When you’re cruising international waters, there are no roads for ambulances: therefore, any life threatening medical evacuation usually requires the assistance of a helicopter. Depending on where you are in the world, this could be the most expensive flight you’ve ever taken, sometimes surpassing the price of all previous trips combined. Medical evacuation covers the full cost of the flight for you.
Don’t get caught out to sea. Make sure to prepare with Cruise Insurance.