If you are planning to go on a cruise, it is a good idea to get cruise insurance. Travel insurances policies come with all kinds of coverage options, starting from Medical emergencies to rental car coverage. Depending on your own unique situation, you would need to choose a plan that suits your needs & budget.
The following are some of the most important features to look for in your cruise insurance.
Emergency Evacuation Coverage:
Emergency Evacuation Coverage is one of the most important features that you should look for in your cruise insurance. Sudden major sicknesses on board and major cruise line accidents are not uncommon, which require emergency evacuation. These are often conducted by coast guards and done quite swiftly. However, the impending bills can be extremely high and the passenger is responsible for paying the same. In such situations, Emergency Evacuation coverage would pay either the full or a major part of the bill.
The medical bills of any major sickness or injury onboard a cruise ship can also be very high. It is important to have medical coverage to protect yourself against a high financial blow.
Trip Cancellation: Trip cancellation benefits come in handy if you unexpectedly need to cancel your cruise because of emergencies, including if you or somebody in the family falls sick. The cruise liners and other hotels that you might have arranged during the trip would not refund the amount you had paid in advance. Trip cancellation benefits would pay for such losses.
Trip delay/Missed Connection:
It is common to miss a connecting flight to your destination, especially if you need to take multiple flights to your cruise ship. In such a situation, you might miss not only your 2nd flight, but also your cruise ship. Trip delay or missed connection coverage would pay you for such delays and missed connections.
Baggage loss & baggage delay are the two most common complaints against most airlines. If you lose a baggage in transit or your baggage is delayed for some reason, you could be left without sufficient clothes and other essentials during your cruise. Plans that offer coverage for Baggage loss & Baggage Delay would pay you for losses in such a situation.
Following is one of the popular insurance plan, providing excellent coverage for cruise travellers.
Travel Gaurd Platinum
Underwriters: National Union Fire Insurance Company
Travel Guard Platinum plan from Chartis is one of the popular travel insurance plan providing excellent trip coverage and emergency travel assistance services. This plan also offers optional additional benefits including like Cancel for any Reason and Medical Evacuation home or to the hospital of your choice!
Eligibility: US Residents only.
Trip Cost: Trip Cancellation
Covers you if you cancel your trip due to a covered reason.
150% of Trip Cost: Trip Interruption
Covers you if you interrupt your trip due to a covered reason.
$1,000: Trip Interruption - Return Air Only
Reimburses the additional airline transportation expenses incurred by you to reach the return destination.
$1,000: Trip Delay
Reimburses up to $200 a day for reasonable, additional expenses for meals, accommodations, taxi fares, and essential phone calls, if your trip is delayed for more than 5 hours due to covered reasons.
$500: Missed Connection
Reimburses you if inclement weather or common carrier causes cancellation or a delay of regularly scheduled airline flights for three or more hours to your point of departure.
$2,500: Baggage & Personal Effects
Can reimburse you if your baggage is lost, stolen, or damaged while on your trip. This coverage is in excess of any other coverage or indemnity. Coverage will become primary if the plan is purchased within 15 days of initial trip payment.
$500: Baggage Delay
If your baggage is delayed more than 12 hours, you can be reimbursed for the purchase of necessary personal effects.
$50,000: Medical Expense
Reimburses for emergency medical expenses incurred while on a trip. This coverage is in excess of any other coverage or indemnity. Coverage will become primary if the plan is purchased within 15 days of initial trip payment.
$1,000,000: Emergency Evacuation & Repatriation of Remains
Covers evacuation and transportation as directed by a physician to the nearest adequate medical facility, (home in the event of death or if medically required).
$50,000: Accidental Death & Dismemberment
Pays for loss of life or limb if it occurs within 365 days of an accident during your trip.
See complete plan details in policy document.
Need assistance to Buy Cruise Insurance? Depending on your travel need there can be several choices and product available.
If you have specific questions about cruise insurance, email us at email@example.com.