The Best Travel Insurance for Cruises
Going on a cruise is an event that many people enjoy. However when emergencies occur that prevent a person from going, a preplanned cruise can become a financial burden.
Protecting the consumer against these financial loses is the role of travel insurance. When choosing a travel insurance policy, consumers must consider many factors to determine which policy is best for their specific situation.
Coverage Types
Consumer looking to buy travel insurance for a cruise should understand the different types of coverage available. Trip cancellation insurance refunds the cost of a cruise if the consumer must cancel the trip. Trip interruption insurance covers extra costs a consumer may incur if they need to return home before the scheduled end of the cruise.
Emergency medical care or transportation is often a separate insurance product. This insurance covers the costs of medical care or medical transportation in the event of illness or injury.
Cancellation Waiver
Cancellation waivers are different than travel insurance, but are worth considering. Cruise lines sell cancellation waivers direct to the consumer. A cancellation waiver allows the consumer to cancel the cruise without penalty or with a reduced penalty.
Cancellation waivers typically expire 24 to 72 hours before a trip is set to begin. Though cancellation waivers do not cover problems that may occur once the cruise begins, waivers are far less expensive than comprehensive travel insurance.
Where to Buy
Though cruise lines are the typical seller of cancellation waivers, there are many sources of travel insurance. Many travel and motorist clubs also sell travel insurance.
Travel agencies also sell travel insurance policies. In addition to cancellation waivers, some cruise lines also sell travel insurance. Regardless of where a consumer buys travel insurance, it is important to carefully read the written documentation with the policy to assure what coverage the policy provides. Consumers should not rely on the verbal statements of insurance sales people.
Other Considerations
Persons who have stable lives and plenty of free time may want to consider limiting the amount of travel insurance they purchase. By being able to leave home early and arrive at the destination port a day or so before departure, a person can greatly reduce the chances of last minute travel problems.
Last minute travelers may be able to save substantially on the cost of a cruise as well as reduce the risk of problems that may arise and conflict with a trip planned months in advance. Those with pre-existing medical conditions that may impact the ability to travel should make certain that the insurance policy covers this possibility.
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