Going on a cruise is a great way to relax in style as you peacefully sail from port to port. However, it is important to have cruise travel insurance just in case some emergency comes up. Many people are afraid of their cruise ship sinking. However, more people should be afraid of being sunk by their cruise vacation with medical expenses or extra trip insurance precautions. Here are five things every cruise passenger should look for when they’re buying cruise travel insurance for themselves and their family.
1. Medical coverage
You can’t rely on the ship’s sickbay to get you out of every jam. Depending on the ship, the sick bay may only have limited resources to handle a medical condition that arises. Other sickbays charge the passenger like a regular hospital for medical procedures. More often than not, however, passengers who become ill on a cruise ship are taken ashore and treated at a local hospital. Cruise liners can handle the occasional injury but it is important to have medical coverage just in case the sea overcomes you. Sailing from place to place is a quick way to catch a bug. Make sure you are prepared with a robust travel medical insurance plan to handle it.
2. Luggage insurance
Getting luggage onboard a cruise ship can be a hassle, especially if you came to the port from far away. The likelihood of luggage going missing between the airport, the cruise ship and your cabin is quite high. Make sure you get a travel insurance plan that covers lost or stolen luggage. Nothing can ruin a cruise more than having your bag full of underclothes turn up missing. Get an insurance plan that lets you get back on your feet.
3. Accommodation insurance
An unknown advantage of travel insurance is that it can cover you for missed or canceled flights. Your cruise travel insurance can either rebook your voyage on a different boat or flight or refund you the expenses you incurred either because your ship broke down or your flight took off without you. This is especially important if you hop from cruise to cruise or are taking multiple flights.
4. Life insurance
Cruising, although incredibly safe, does have its share of risks. Look for a travel insurance that also has a life insurance policy attached to it just in case the worst should happen on your voyage. Don’t leave your loved ones back home with nothing should your ship sink.
A good way to avoid excess cost is to look at packaged deals for travel insurance. Sometimes cruise ship operators have their own travel insurance that you can purchase in addition to your fare. This is a great way to save money while also getting a little extra protection in the event of an accident.
Make sure you never set sail without adequate travel insurance. Cruise ship travel insurance is easy to get and will be there for you should the worst happen while onboard or ashore.
Image via Wikipedia