Is cruise insurance different to normal travel insurance?

Cruise Line Travel Protection Drawbacks Medical coverage - Typically lower than what we see on 3rd party travel insurance plans. Cancel for Any Reason - Typically offered through the cruise line as a type of waiver, and reimburses credits/voucher, not cash as a third-party plan would.



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One benefit that cruise travel insurance policies offer that credit cards don't is the ability to cancel for any reason. Although you may not get back 100% of the cruise price, these policies allow you to cancel for any reason and get a portion of the price back as a credit toward a future trip.

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But shipboard medical problems can get very serious — and very expensive — fast. If you're treated on board, prepare to receive a hefty medical bill from the cruise line. Your regular health insurance likely won't cover you.

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Normally you can ask your insurance company to amend your existing policy to include cruise cover, at an additional cost.

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Depending on which cruise line you're traveling with, you might be able to buy a travel insurance policy when booking your trip (through the cruise line directly) or at a later date (either through the cruise line or separately from a third party). Protecting travel costs can be a smart money move.

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Cruise travel insurance works just like conventional travel insurance. It provides financial protection if something goes wrong before and during your trip, including health-related emergencies and other disruptions. In fact, the most comprehensive travel insurance policies already provide cover for cruises.

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Typically, a member of the cruise line's Care Team will accompany the ill passenger and a companion or family member to the hospital. You will not be reimbursed for any unused portion of your cruise. You will be charged for medical services onboard and in the port of call where you are disembarked.

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Once an accident occurs, an injured cruise passenger and prospective plaintiff has a duty to notify the cruise line of the accident. This can be done by going to the medical center or front desk or by contacting security. All cruise lines have an incident report form that they ask injured passengers to complete.

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We strongly recommend all guests purchase the appropriate international travel insurance for their cruise. Travel insurance can offer protection against a range of unforeseen events, including medical costs, repatriation and other expenses that might occur if things do not go according to plan.

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Here are some examples: The unexpected death, illness, or injury of you and/or a family member. Being unable to participate in a sporting event due to a medical condition when the purpose of the trip was participation in that sport. Unforeseen natural disasters at home or at the destination.

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Cruise ship in the context of travel insurance means a commercially operated ocean-going vessel that is licensed to carry paying passengers, has on-board accommodation and trained medical staff.

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That's because travel insurance is an affordable cost that can potentially protect you from huge costs: the cost of canceling your cruise, the cost of receiving emergency medical care when you're overseas, the cost of a medical evacuation from the ship to a hospital, the cost of replacing your possessions if your ...

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You can purchase cruise travel insurance immediately after booking your trip until just before your departure.

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Cruise ship doctors work as independent contractors and may charge a basic hourly fee. There will be additional charges for medications and tests. All must be paid for at the time of service and will be billed to your shipboard spending account.

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Respiratory Illnesses. Respiratory illnesses are the most common medical complaint on cruise ships.

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Add on cruise ship travel insurance allows you to be insured for those extra things that you might not need on a standard trip. For example if bad weather occurs, and you're unable to make a scheduled port stop and are unable to go to an alternative port, then cruise travel insurance will cover this.

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In general, you can buy coverage any time before the date of your trip. That said, it's always best to buy coverage as soon as you make your reservations. The sooner you buy travel insurance, the sooner you'll be protected and the more benefits you may be eligible to receive.

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It's the best time to buy cruise insurance – as soon as you make your initial trip deposit, while it's still fresh in your mind.

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Many people suggest $100 per day, and this has generally worked well for me in my cruising experiences, but there are a lot of variables to consider. Here are some guidelines to help you decide how much money to bring on a cruise.

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