Cruise Insurance

Cruise Insurance

If you are planning to go on a cruise, it is a good idea to get cruise insurance. Travel insurance policies come with a variety of coverage options, from medical emergencies to rental car coverage. With many different plans to choose from, you can find the best plan for you and your trip based on your specific needs and 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 illness onboard and major cruise line accidents are not uncommon and may require emergency evacuation. Emergency evacuations are usually conducted by the Coast Guard and done quite swiftly. However, the resulting bills can be extremely high and the passenger is responsible for paying the cost. In such situations, emergency evacuation coverage would pay either the full amount or a major part of the bill.

Medical Coverage:

The medical bills from any major sickness or injury onboard a cruise ship can also be very high. It is important to have medical coverage to protect yourself from a huge financial blow.

Trip Cancellation:

Trip cancellation benefits are useful if you unexpectedly need to cancel your cruise because of an emergency, including if you or somebody in the family falls ill. The cruise line and other hotels that you might have arranged typically will 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 arrive at your cruise ship. In such a situation, you might not only miss your second flight, but also your cruise ship departure. Trip delay and missed connection coverage would pay you for such delays and missed connections.

Baggage Loss/Delay:

Baggage loss and baggage delay are the two most common complaints against most airlines. If you lose a baggage in transit or your baggage is delayed, you could be left without sufficient clothes and other essentials during your cruise. Plans that offer coverage for baggage loss and baggage delay would pay you for losses in such a situation.

TGPTravel Guard Platinum

Underwriters: National Union Fire Insurance Company
Eligibility
  • For US residents 100 miles away from home
  • Coverage up to 364 days
Plan Highlights
  • Covers 100% of trip costs for trip cancellation
  • Covers 150% of trip costs for trip interruption
  • Covers up to $1,000 for trip delay
  • Covers up to $50,000 for medical expenses
  • Covers up to $1,000,000 for emergency evacuation and repatriation
  • Covers up to $2,500 for baggage loss
Optional Benefits
  • Cancel for Any Reason
  • Rental Car Collision
  • Medical Coverage Upgrade

RT Round Trip

Underwriters: Nationwide Mutual Insurance Company
Eligibility
  • A US resident, under age 80, traveling from his/her home and is scheduled to spend at least 24 hours away from his/her home.
  • Initial purchase must be made in home country prior to departing on trip.
  • Coverage up to 90 days
Plan Highlights
  • Covers 100% of trip costs for trip cancellation up to $20,000
  • Covers 150% of trip costs for trip interruption
  • Covers up to $500 for trip delay
  • Covers up to $75,000 for medical expense
  • Covers up to $350,000 for emergency evacuation and repatriation
  • Covers up to $500 for missed cruise connection
  • Covers up to $1,000 if baggage is lost or stolen
Optional Benefits
  • Flight Coverage
  • Optional Collision Damage Waiver

TPETrip Protector

Underwriters: Nationwide Mutual Insurance Company
Eligibility
  • A US resident under the age 70 traveling from his/her home and is scheduled to spend at least 24 hours away from his/her home.
  • Children under age 6 must be enrolled with a parent. Initial purchase must be made in home country prior to departing on trip.
Plan Highlights
  • Covers 100% of trip costs for trip cancellation up to $5,000
  • Covers 125% of trip costs for trip interruption
  • Covers up to $500 for trip delay
  • Covers up to $75,000 for emergency medical/dental expense
  • Covers up to $500,000 for emergency evacuation
  • Covers up to $15,000 for repatriation
  • Covers up to $750 for baggage loss or stolen
Optional Benefits
  • Cancel for Any Reason
  • Rental Car Collision
  • Medical Coverage Upgrade

Need assistance buying cruise insurance? Depending on your travel needs, there can be several choices and products available.

If you have specific questions about cruise insurance, email us at support@visitorscoverage.com.

Disclaimer
Information provided here is high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.