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Cruise Insurance: 6 Reasons Why You Need It

By    |   Friday, 12 May 2017 04:25 PM

When you book your dream cruise vacation, you are bound to be so excited that you may not consider things that could go wrong. You will likely be asked if you want to buy cruise insurance, and before you decline, read these reasons why you might need it.

1. Trip cancellations – Cancelling your cruise at the last minute will cost you money, says Cruise Critic. If your elderly mother has been in declining health, cruise insurance will protect you in case you need to cancel your trip unexpectedly to care for her.

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2. Medical emergencies – What happens if you fall seriously ill during the cruise? If you need medical treatment on the ship, your regular health insurance will not cover you and the costs can be astronomical, says Allianze Travel Insurance. For instance, being airlifted from the ship to a nearby hospital can cost upwards of $100,000. Cruise insurance can provide coverage, just in case.

3. Missing the boat – There is always a risk of flight delays and cancellations that can cause you to miss the ship’s departure. Ships do not wait for late passengers. Cruise insurance will reimburse you for hotel stays and even transportation to your ship’s first port of call so you can board at that time, says Allianze.

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4. Lost or stolen luggage – Between flying to your departure location and stopping at ports of call, Insure My Trip says there are many opportunities for bags to be lost, delayed or stolen. The right insurance policy will reimburse you for some of the replacement costs for your belongings.

5. Trip interruption – Sometimes, mechanical failures onboard or dangerous weather can cause a cruise to be cut short with almost no notice. Cruise lines can assist passengers, says Cruise Critic, but an insurance policy will provide reimbursement should you need to find lodging and make changes to flight plans.

6. Peace of mind – One likely reason you are booking a cruise in the first place is to escape the daily stresses of life even for just a short time. Worrying about losing money due to things that are out of your control is contrary to your vacation goals, so cruise insurance is a necessity for peace of mind before and during your exciting trip.

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When you book your dream cruise vacation, you are bound to be so excited that you may not consider things that could go wrong. You will likely be asked if you want to buy cruise insurance, and before you decline, read these reasons why you might need it.
cruise, insurance, reasons, need
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2017-25-12
Friday, 12 May 2017 04:25 PM
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