The Benefits of Cruise Insurance and Why You Need it

                                                                                                       Updated April 26, 2021


With cruise vacations gaining popularity, there are lots of exciting cruise options. And with cruise season coming up, now is the perfect time to plan your next (or first) cruise. If you’re planning out your dream cruise, you might be focused on things like type of the ship, length of the cruise, and, of course, destinations. What you might not be thinking is whether you should buy travel insurance for a cruise. While the price may dissuade you at first, the benefits outweigh the costs. Below are just a few of the many benefits cruise insurance can provide.


Let’s face it, you can’t always be prepared for everything life will throw at you, even on vacation. Cruise insurance offers financial protections for an illness and injury incurred during your cruise. Cruise insurance can even help you recoup certain prepaid travel expenses if your travel plans change. For example, if you urgently need to return home halfway through your trip, you can file a claim with your insurance company to recoup financial losses. A cruise insurance plan not only helps to reimburse you for the unused days, but can also find you a flight home, alleviating some of the stress that comes with emergencies.


Cruise insurance can not only save you from more urgent, physical situations, but it can also be helpful with any last-minute cancellations. Even if you accidentally miss the boat,  your insurance may cover some expenses and can even help reunite you with your cruise ship. If your luggage is lost or stolen, en route, insurance can help reimburse or replace certain items. Finally, cruise insurance with Cancel for Any Reason add-ons allows you to cancel the trip for any reason and recoup certain prepaid travel expenses that would have otherwise been nonrefundable. Although less urgent, these situations are still out of one’s control, and having a cruise insurance plan can really help.


It’s always better to have and not use cruise insurance than to get stuck wishing you had spent a little extra upfront for the coverage. Just be sure to always read your policy documents carefully to ensure you understand what’s covered and what isn’t.  While you may not like the upfront costs, the peace of mind it brings can be more than worthwhile in the long run.




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