Ten things you need to know about Cruise Insurance

ten tips about cruise insurance

I have just been day dreaming… there are some amazing cruises, that you can go on. If money was no object!!

Some of the ships are like floating cities. What better way to see the world, than on a floating hotel, surrounded by all your creature comforts, a luxurious room, top quality food and entertainment, plus the chance to sample the sights and sounds of a different destination each day.

Its easy to see why a cruise has become such a popular holiday choice. Of course there are all sorts of level of cruises available, to suit most budgets. Ranging from a thousand to tens of thousands of pounds. A floating holiday tends to be more expensive than your standard vacation and can last from one week to a whole year!!

If you are planning to spend thousands of your hard earned money on a cruise, you must ensure that you have covered the trip with Cruise Insurance.

Don’t confuse cruise insurance with travel insurance, as many travel policies won’t cover you for a cruise unless, you have specified that you require the additional cover. Here are our top then things you need to know about Cruise Insurance.

cruise insurance

  1. Is Cruise Insurance covered as standard?- Many Travel insurance policies don’t cover Cruises as standard, so don’t forget to check your policy and make sure you have included the option to include cover for a cruise if it is available.
  2. Cruise Cancellation cover – Cruises tend to be more expensive than normal holidays. Make sure the cancellation amount is enough to cover the total cost of your cruise.(For example if you cruise has cost £5,000 per person, then a policy with cancellation cover of £3,000 isn’t going to be enough). If the cost of your cruise is in the tens of thousands, then you are one lucky traveller!!  However you need to be aware that the number of Insurers offering cancellation cover to match is greatly reduced. It is almost impossible to obtain a quote online and you might need to phone a specialist niche insurance provider.
  3. Increased Baggage Cover – The amount of time you spend on a cruise can be longer than a normal two week holiday. If you are expected to dress smartly for “Dinner with the Captain” chances are that you will be bringing more expensive clothing and jewellery than you might otherwise take on a beach holiday for example. It is important that you calculated the total cost of the possession you intend to take with you and if the limit offered by standard cruise insurance policies, isn’t enough, then you should make sure they are covered under the personal possessions section of your household policy. This section will normally cover you anywhere in the world and on a new for old basis.
  4. Pre-existing Medical Conditions – Traditionally cruises are more popular with older travellers. If you have a pre-existing medical condition and you want any medical costs or cancellation to be covered in the event this condition flares up, you must make sure it is declared upfront to the travel insurer concerned. You might have to pay an additional premium or increased excess, but if this means you are able to claim in the event of a problem, it’s money well spent.
  5. Cabin Confinement – Make sure your specialist cruise insurance, pays compensation, in the event you are confined to your cabin, by the onboard medical practitioner. Its unfortunate if you are taken ill and have to miss out on excursions etc, but there is no reason you shouldn’t be compensated for it.
  6. Missed Departure – If you are delayed and miss your ships departure, its not like you can wait for the next one, make sure your policy provides enough cover to allow you to fly on and meet the ship at the next port it docks at.
  7. Itinerary Change and missed shore insurance – If your ship is unable to dock at port and allow you to enjoy a pre-paid excursion, make sure your policy covers this eventuality.
  8. Travel Documents – You need to take your documents with you when you go ashore. To beat the rush, leave your ship as early as possible and take your passport, insurance, ship ID documents with you in a travel wallet.
  9. Travel Destination – Make sure all your destinations are covered. If your policy only covers European destinations and you are travelling worldwide, its going to be a problem.
  10. Higher Medical Limits – The cost of treating someone on a ship and then repatriating them to shore and to the nearest hospital is going to be more expensive than normal. Make sure your policy has a high limit, to cover every eventuality.