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Essentially, the travel insurance company will assist with making arrangements to get you off the cruise ship and to an onshore hospital if your condition warrants an evacuation. Of course, there may be exclusions or exceptions due to your ship's location. But this benefit allows you to have peace of mind knowing that assistance, in an unfortunate situation, is just a phone call away, even if you are aboard a cruise ship. While rare, emergency medical evacuations are a genuine possibility for cruisers.
Berkshire Hathaway Travel Protection
Most policies max out the coverage at 75 percent of the trip costs, but some cover as little as 50 percent. If your travel companion falls ill and can't make the cruise, or your aging mother is rushed to the hospital, your policy should reimburse you for canceling your trip. It is important to note that regardless of mandates for proof of a negative COVID-19 test, the cost of the tests themselves are not covered by travel insurance.
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The Guide to Cruise Travel Insurance
It’s recommended to arrive one day before the departure of your cruise to allow for any delays because if you arrive late to the departure point, the ship may have already left. The average price of each company’s most basic coverage plan was $124. These policies didn't include optional add-ons, such as Cancel for Any Reason coverage or coverage for pre-existing medical conditions. You can get a refund of up to 75% if you cancel your voyage for reasons not usually covered by travel insurance.
AXA Assistance USA
This may be necessary in cases of health threats -- such as heart attacks or strokes -- in which you require immediate care that goes beyond what's available in your ship's sick bay. If the next port of call is too far away, a medevac may be the only option to save your life or the life of a loved one. Even a meticulously planned cruise can run into unforeseen disruptions — and cruise insurance can come in handy for the unexpected. The CFAR coverage is available as an upgrade on Travel Guard's Preferred and Deluxe plans. If you don't need this optional upgrade, you could save money on your premium with Travel Guard's Essential plan.
There are also insurance plans that offer trip reimbursement if a destination on your itinerary is under a National Oceanic and Atmospheric Administration-issued hurricane alert or warning. Most travel insurance excludes pre-existing conditions from coverage unless you meet certain conditions and qualify for a waiver. A pre-existing medical conditions exclusion waiver allows your emergency medical expense coverage to pay for treatment related to conditions you’ve been treated for in the months leading up to your trip. AXA Assistance USA’s Platinum offers $1 million in emergency medical evacuation coverage, $250,000 in emergency medical coverage and has a high per-person limit for baggage and personal items loss.
Cruises are typically covered under travel insurance, so you don’t necessarily have to buy specialized cruise insurance, such as coverage from the cruise line. Travel insurance can cover trip cancellations and interruptions, medical emergencies, lost luggage, and more on your cruise trip. You can buy cruise insurance from the cruise line when you book, or a travel agent may offer cruise insurance plans.
It pays to read the fine print of the actual policy documents before you make your purchase decision. Incidents related to terrorism and labor strikes may be included in insurance policies. It's always advisable to carefully check your policy's description of coverage to determine how these events are covered. Cruise insurance can offer financial support for many unexpected problems you might experience with a cruise.
Compare cruise insurance plans from top providers that offer cancellation, medical, and delay coverage. When the port lineup is adjusted or the cruise shortened, the company will offer the guest an onboard credit, onboard gift or future cruise credit rather than any refund. You won't be able to make a claim on your cruise travel insurance policy just for a minor itinerary change. You can buy a travel insurance policy directly from your cruise line when booking your trip or through your travel agent (if you're using one, which often is a good idea when booking a cruise). You also can go directly to a third-party travel insurance provider or a travel-insurance aggregator site, such as InsureMyTrip or TravelInsurance. For starters, policies often will reimburse you for the cost of canceling a cruise due to a last-minute crisis.
However, it adds about 40% to your premium and can only be purchased within a limited window of time after your cruise purchase. Atlas Journey Premier also makes our rating of the best cruise travel insurance with 4.5 stars — if you’re willing to pay a little extra you can get $150,000 in primary medical coverage with this plan. Nationwide Travel Insurance is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates. CFAR allows you to recoup 50% or 75% of your forfeited, nonrefundable trip costs, depending on your policy. Seven Corners’ Trip Protection Choice plan has great upgrade options and benefits across the board to cruise goers, including unrivaled medical coverage limits and very good missed connection benefits.
Trip cancellation coverage can help to recoup any costs that the cruise company will not reimburse. Some plans written for cruises do have coverage for itinerary changes or excursion cancellation due to weather conditions. There are also important travel insurance benefits available that are related to bad weather that causes damage to your home and renders it uninhabitable, such as trip interruption coverage. Cruise insurance plans protect you in all sorts of situations when something goes wrong while you're cruising.
Cruise insurance works by reimbursing you for a certain percentage or dollar amount of the nonrefundable prepaid travel costs you lose if you experience a problem covered by your plan. Medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances. In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise. AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans.
Not all policies offer pre-existing coverage, but among those that do, each insurer dictates its own coverage window. The deadline is usually 10 to 15 days after making that final payment -- or after booking your airfare, if you do that first. Always comparison shop, looking at what amounts of coverage you get for what price. It’s generally best to purchase cruise insurance as soon as possible after making your initial trip deposit — when you have money on the line.
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