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.
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 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 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.