Cruise travel insurance – Important questions answered

Cruising is dramatic and thrilling and attracts a large number of people. An increasing number of people are choosing a cruise holiday for many reasons. They are fascinated by the ocean, love adventures, and admire the experience of ocean living. One of the biggest reasons for more people being attracted to cruise travel is the availability of cruise travel insurance that provides you protection in many situations. You are financially covered for medical emergencies, delays, and many other unforeseen circumstances that may arise on the journey. You should look over the Internet and do thorough research for cruise travel insurance comparison to ensure that you are getting the best deal and covered for most possible aspects. It is important to create a strong and trustworthy backup before you get into strange waters. Although, cruise travel insurance is gaining popularity, there are many apprehensions and confusion about it. Here we answer some most commonly asked questions about cruise travel insurance.

  • Is a cruise journey covered automatically?

There are two perspectives to this. Some personal insurance providers include insurance while you are on travel. That includes a cruise journey as well. However, the extent of coverage is subjective. Another possibility is that your cruise liner adds travel insurance as a part of your ticket. In either case, you may have to explicitly check the box and choose for the insurance.

  • Is it needed for traveling in domestic waters?

If you are thinking that your personal medical insurance will cover you in the domestic water, you need to think again. Most of the medical insurances cease to apply as soon as you board the ship and leave the port. For that reason, it is important to have explicit travel insurance for cruise journeys. It is also beneficial as it would provide a wide range of benefits.

cruise travel insurance comparison

  • What about traveling on a river cruise?

River cruising is a popular activity in some parts of the world and just like regular cruising, it also needs you to buy insurance for financial protection against mishaps. Many insurers will include cruise trips in travel insurances but it is not a laid down rule. Some may require you to buy a separate pack exclusively for cruising.

  • Are on-board adventures included?

As you feel the wavy water and the ocean air hit your face, you are likely to get into an adventurous mood. Cruise journeys offer you plenty of opportunities for adventurous sports like scuba diving, parasailing, dock activities, etc. Not all insurance plans would include these activities which are why you need to ensure that your cruise insurance includes such activities and provide assistance if anything goes wrong during these adventures.

  • What is not insured by a cruise insurance plan?

There are many things that are not covered by the cruise insurance plans. Knowing these things will help you to keep yourself safe and protected. You need to read the insurance plan’s declaration document carefully to ensure that you are covered for everything you wanted to be.

  • Getting injured or losing your belongings while being tad tipsy
  • Some adventure activities may not be covered
  • Cancellations in some case
  • Pre-existing medical conditions
  • Cruise company going insolvent