Cruise travel insurance is designed to protect you and your vacation investment, should you have to cancel your travel plans due to a wide range of covered reasons that may interfere with your ability to travel, or if things go wrong during your trip or while you are on your cruise or at your destination.
Without a cruise insurance plan, missed and/or cancelled flights and missing bags can ruin your cruise vacation in an instant. If the cruise is postponed or cancelled due to bad weather, full cancellation cover of your cruise insurance policy can protect you financially. You may be forced to pay thousands of dollars out of your pocket up front for a medical emergency, i.e. medical treatment and medical transportation unless you have cruise travel insurance. So cruise travel insurance is there to protect you and your cruise vacation investment.
What Does a Good Cruise Travel Insurance Plan Cover?
Buying a good cruise insurance policy covers:
- Cancellations due to a covered reason including sickness, death, and injury of you, a family member, domestic partner, or traveling companion
- Travel delays due to inclement weather or natural disasters
- Bankruptcy of a travel supplier; i.e. an airline, cruise line, etc. when policy is purchased within 14 days of initial deposit
- Domestic and international terrorism
- Existing medical conditions (subject to certain requirements being met)
- Lost, stolen, or damaged baggage
- Costs incurred due to any covered medical emergencies during your trip (e.g. on a cruise ship, a resort destination, etc.)
- Expenses incurred if your travel is delayed
- Emergency medical transportation to an adequate medical facility for covered illness and injury when necessary.
If you incur expenses or penalties for any of the covered reasons, your cruise travel insurance can reimburse you for covered costs.