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You can buy medical travel insurance to cover your medical expenses on a cruise, offering coverage such as medical emergencies, illnesses, and injuries. Taking a cruise is one of the easiest ways to travel, but cruising isn’t immune to unexpected hiccups. Sudden illness, travel delays, or other unforeseen events could cancel or interrupt your cruising plans — you might even need medical coverage.
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But if you buy a Berkshire Hathaway Travel Protection plan like WaveCare within two weeks of making your final trip payment, you receive coverage for pre-existing conditions and for financial default. Choosing the right travel insurance plan for your cruise involves looking at your trip – where you’re going, what you’re doing, how long you’re going to be gone, and how much you’re spending. Cruise insurance’s ability to help in emergencies makes it a valuable and worthwhile purchase – and even if you don’t use it, cruise insurance gives many travelers priceless peace of mind. When considering travel insurance for a cruise, review the policy carefully to ensure it’s covering all aspects of your trip.
How to Buy Travel Insurance For Your Cruise
Cruisers seeking coverage of preexisting conditions, as well as cancel for any reason insurance, generally must book within seven to 21 days of the first payment they make for a trip. The typical cruise insurance policy covers a wide range of circumstances that can go wrong in conjunction with a vacation at sea — both before and during the sailing. You might need to cancel a cruise in advance due to the sudden onset of an illness, such as COVID-19 or the flu. Or, maybe you fall ill during the cruise and need emergency medical attention. Maybe your flight to your ship gets canceled, and you miss the vessel's departure.
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That’s why cruise insurance has higher limits for these emergencies. Not all travel insurance policies are the same, and you need to know which type you're buying, in addition to specific coverages. Just about every cruise line on the planet offers its own travel protection program, but it might not be the comprehensive policy you desire. For any vacation, it’s smart to cover your travel investment, but with a cruise you’re often coordinating a lot of arrangements – travel to the port city, hotel stays before your cruise, and the cruise itself. With a Travel Guard travel insurance plan, your travel investment can be protected, and you have access to our specially trained representatives for 24-hour travel emergency assistance. A missed flight connection doesn’t have to mean a missed cruise – our representatives will work to help you through and unexpected travel mishaps.
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Because when you’re at sea, small mishaps quickly become major problems. Travelers 70 and older are required to add a "Silver Nomads" policy, offered through TripAssure. Both policies come with 24/7 assistance and the ability to file claims using Berkshire Hathaway’s website or mobile app. It has an AM Best rating of A++, meaning that it has a superior ability to meet its claims and financial obligations.
Read the fine print to find out the deadline to purchase and the specifics of its coverage. Many cruise travel insurance policies will also offer an addendum for rental car coverage. Obviously most cruise passengers won’t opt for this coverage since it’s rare to rent a car given that you are in port only for a day at a time. Emergency Medical – If you’re worried about getting sick or injured while on your cruise, then know that most plans offer emergency medical coverage. Trip Cancellation – The most basic coverage with cruise insurance, trip cancellation protection allows you to get your money back that you’ve paid for your trip if you cancel for specific, predetermined reasons.
Travel Safety
So you'll want to ensure you have the best cruise insurance plan that won't leave you high and dry in an emergency. Cruise travel insurance is add-on insurance coverage that — just like travel insurance — will reimburse you for delays, interruptions, medical situations or other problems during the cruise. Nonetheless, it offers an inexpensive way to eliminate a serious risk of financial hardship or ruin.
Below are a few benefits and reasons why travel insurance can help you prepare for the unexpected. Nationwide Travel Insurance is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates. Compare travel insurance policies from various providers to see which one fits your needs and budget.
If you experience a serious medical problem on a vessel, you may have to get off the ship in a foreign port to seek treatment at a hospital. In such a case, if you don't have medical evacuation insurance, you may then find yourself stranded in that port awaiting a medical evacuation. Whether you buy travel insurance is a personal decision that will depend on many factors. Would you be willing to absorb the loss of canceling a cruise on short notice due to an illness or accident?
Read your policy to see if they’re covered, and under what circumstances. Here we're using our WaveCare cruise insurance coverage as an example. Please always read the plan’s Description of Coverages for complete details. And because your chances of a medical emergency go up the longer you’re gone, LuxuryCare has enhanced medical and evacuation coverage.
Atlas Journey Premier also makes our rating of the best cruise travel insurance with 4.5 stars — if you’re willing to pay a little extra you can get $150,000 in primary medical coverage with this plan. Cruise-specific travel insurance may also offer reimbursement if your cruise ship is disabled. And if you want to cover shore excursions, be sure to include the cost of excursions in your total travel cost when you get quotes for cruise insurance. Read our guide to the best credit cards for travel insurance coverage and protection.
Even so, cruise insurance should provide some reimbursement expense for your loss, taking some of the sting out of losing your bags. Understand that most times this coverage has special limits for things like laptops or electronics that may not fully replace the lost item. A cruise is one of the largest travel investments many travelers make.
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