Life is going great for you, you have a perfect wife or a man, two kids and a house that is paid off which means no credit and no worries. You want to cruise the Caribbean, Mediterranean or even an around-the-world cruise.
In this case, you need the best travel insurance for cruises to cover for potential damage. You are a valuable person and you should always protect yourself and your family.
Don’t forget that a cruise is not your typical holiday, you can’t simply go home and as such, your cruise may no be covered by a standard travel insurance policy.
Why should I get a travel insurance for cruises?
If you would compare a cruise to your typical holiday, a typical cruise would last much longer than an average holiday, you are usually at least few weeks in the open sea, sometimes even a full calendar year.
In this case, we have a problem with standard insurance travel policies. They come with a relatively small time limit for the duration of your holiday, usually between 30 and 60 days.
Also, when on a cruise, you will visit lots of countries around the world and most travel insurance policies don’t cover all the countries you might visit on your cruise. Furthermore, you will have to make sure that every country you visit is covered by your insurance and that means reading the small print.
For example, if you are traveling to an imaginary country called Nonexistentia, that country might not be covered by your travel insurance policy because there is an anti-government protest happening. So, if you are still fine with your normal travel insurance policy, make sure you do your research before taking the policy. Always do your research, if needed, triple check it.
In most cases, the people who are cruising tend to be older people, although, in the recent years, this type of holiday is getting popular for families of all ages.
Moreover, if you are an older person, your premiums can skyrocket simply because you represent a high-risk opportunity for the insurance company. In some cases, if you have more than 65 years, the insurance company will simply decline you because older people tend to have some pre-existing medical conditions.
If you already signed a policy under an insurance company, some travel insurance companies will even permit you from cruise travel. When checking what is permitted or not, read the terms and conditions twice if you have to.
How can I benefit from taking travel insurance for cruises?
If you would compare standard travel insurance to cruise travel insurance, companies that specialize solely in cruises will most likely be a better option.
One of the main advantages of taking a travel cruise insurance is that you get an extended cover if you are an elder. For example, you can get cover for one whole year if you have up to 89 years. And if you have over 90 years, you can take a cover policy for half a year.
Also, a proper cruise insurance company will offer 100% refund if the cruise is postponed or cancelled due to some unpredicted situations like bad weather, engine failure, etc. In addition to this, they may provide an option to insure against natural disasters.
I’m sure you would not want to lose your luggage. If this happens, you will be covered by your insurance company.
Which is the best travel insurance for cruises?
There are various cruise insurance providers in the U.S. Some of them are:
Confused.com is a website where you can compare different quotes from selected cruise insurance companies like Avanti and Insure. They also promise the best possible outcome for their customers.
If you are buying cruise insurance with them, you can preview policy details before signing on your cover (be sure to triple check it). You can compare from up to 46 selected travel insurance companies.
EHIC which stands for European Health Insurance Card replaces the old E111 paper and it will give you unlimited access to reduced or even free medical care treatment in the countries that are within EU’s legislation. So if you plan on cruising within the European Economic Area – free trade zone which includes countries like Norway, Iceland, Liechtenstein and others you can try applying for the EHIC card.
Unfortunately, when taking the EHIC card, only a certain level of medical care will be offered as the card won’t provide cover for unpredicted events such as cancellations, emergency repatriation or lost luggage.
All in all, if you plan on applying for the EHIC, you should know that EHIC is no replacement for fully comprehensive cruise holiday and you should think about a specialized cruise insurance company.