There are many different types of policies available. Tour operators, travel agents and cruise lines offer a diverse array of options. The Internet is an ideal tool to do a bit of comparison shopping before deciding on the coverage that best fits your cruise travel needs.
Lost Luggage
Cruise clothing, cameras, computers, sports equipment and electronics are expensive. If your luggage is misdirected or lost, travel insurance can replace your items and compensate for the financial loss.Common carriers, including airlines, cruise ships, buses, ferries and trains, include some coverage in the purchase of your ticket. This coverage is often quite limited and may not cover the value of your items. Travel insurance providers offer additional coverage to cover lost or stolen items.
Compare insurance plans to make sure that you have adequate insurance to replace all high ticket items you transport.
Comprehensive Travel Insurance
Online insurance providers offer dozens of different policies and add-on options to provide complete comprehensive insurance for persons planning a cruise vacation.Several providers offer up to $1 million in accidental death insurance, coverage for medical emergencies, medical evacuation, lost baggage, flight interruptions and cancellations, as well as for trip disruption for business.
Use their interactive tools to find a policy that offers you emotional and financial assurance. Enter the date of departure and return, destinations and the number of people traveling in your group. Special group rates are offered for parties of 10 or more. Most companies offer free coverage for children under the age of 18 traveling with an insured guardian or parent.
Restrictions
Compare policies by reading the fine print. Determine if there are rules or regulations that limit coverage based on previous conditions, age or gender.Travel insurance companies also offer coverage for high risk sports activities, such as rock climbing, scuba diving, skiing and white water rafting. If activities offered by your cruise line or activities on shore put you at risk, this type of coverage is a prudent purchase.
Cancellation Protection
An illness in the family, conflicting business obligations, inclement weather, airline strikes or political unrest can cause you to need to cancel or reschedule your cruise vacation plans.Cruise lines, both sizable and small, offer insurance packages that will offset the expense of events that can disrupt your travel itinerary. Be sure to read the fine print carefully and ask questions if you do not fully understand the extent and limitations of a policy.
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