When the summer ends, you can plan one last family trip before school starts again. If a cruise is on the horizon, you may want to consider travel insurance. COVID-19 has shown us how important this type of coverage can be, with the number of cancellations that have occurred.
Benefits of Travel Insurance for a Cruise
People generally book cruises to relax and unwind, as well as get away from it all. But emergencies and accidents can get worse when you are on a cruise and at sea. Travel insurance can give you peace of mind and provide protection in a variety of situations.
Last Minute Cancellations
Life Happens, Especially When You Have Children. When you book a cruise, there is always a possibility that you will be forced to cancel due to an emergency in the family. If you cancel within 30 days of your trip (or longer in some cases), the cruise line will not refund your money. Travel insurance allows you to cancel if you have to, for several covered reasons, without losing your travel investment.
No matter how healthy your family members are when you first go out, it is impossible to predict sudden illness or injury. Someone may come down with the flu (or worse), sprain an ankle or break a wrist. It is likely that your health insurance does not cover medical treatment on board the ship. Especially if medical evacuation is required, the costs without pockets can be astronomical. A travel insurance plan can help cover these costs, with emergency transportation and emergency medical benefits.
Missing the boat
If you are not there for boarding due to circumstances beyond your control, the boat will go without you. It does not wait if your flight is canceled due to the weather or for any other reason. Travel insurance with travel delay benefits can help cover the costs of lost prepaid expenses, hotels and meals if your trip is delayed for covered reasons. When you miss the boat and have to travel to the first port of call to catch up, the travel insurance's missed connection benefits can reimburse you for these costs.
Coming home in a hurry
If an emergency occurs at home while you are in the middle of the cruise, travel insurance can help. When you need to get home quickly, this coverage will reimburse you for the cost of your flight from the ship's next port of call and other transportation costs. It can also compensate you for the unused portion of your cruise.
Cruise Line Insurance Vs. Outside Insurance
Cruise lines offer some coverage, which may be convenient, but it's probably not your best option. It can be too expensive and may not offer the same coverage that is available with external insurance. Outside travel insurance for a cruise is generally reasonably priced and can save you many thousands of dollars in the event of a medical emergency that requires evacuation. It can also make it easier to relax and forget your worries during the cruise. Our agent can help you find the best travel insurance for your upcoming trip.