One of the main reasons to purchase cruise insurance is that regular health insurance may not provide coverage for the cruise. If this happens, any illness or injury that takes place on board may not be covered, resulting in incredibly high medical expenses for those involved. A cruise insurance policy, on the other hand, helps ensure that travelers have proper medical coverage.
Likewise, although there may be doctors and medical staff aboard a cruise, they may only be versed in general medical care, and not specialized treatment. If a serious illness or injury takes place, a traveler could count on cruise insurance for providing the coverage needed for specialized treatment.
Similarly, serious injuries or diseases are not handled by the onboard medical services, which are not built or prepared to treat them. If you needed an emergency medical evacuation, for example, this expense is not paid for by the cruise line. A decent cruise travel insurance package will coordinate, pay for, and transport you in case of a emergency evacuation, as well as ensure that you return home safely to receive the proper care you need.
In general, the Missed Connection and Trip Interruption benefits that you receive as part of your cruise insurance policy may assist in covering costs so that you can rejoin your cruise ship at a later time.
However, there are a few companies, such as Royal Caribbean and Carnival, that may have specific rules that don't allow passengers to re-join a cruise if they happen to miss the original embarkation of the ship. This is due to the fact that a number of cruise ships perform important health screenings at the embarkation port before passengers board. If you happen to be sailing on cruise line that has such a clause, then the Missed Connection advantage would not be applicable. Before obtaining insurance, make sure you read the terms and understand the restrictions for your individual cruise line.