Last Updated: 5/8/21 | may 8th, 2021
Travel insurance is one of the most important things you can get for your trip.
As I’ve come to learn — and as any traveler will tell you — things don’t always go as planned when you travel.
You just never know what will happen.
Sure, nine times out of ten you’ll be completely fine. but every now and then you’ll stumble into an unfortunate situation.
Maybe it’s just a missed flight or a delayed connection. maybe your wallet disappears while riding a crowded bus. Maybe, like me, you burst an eardrum while scuba diving in Thailand.
Bad things, unfortunately, do happen when you travel. and they can get really expensive if you’re injured or fall sick abroad and are not insured.
But what about if you’re taking a cruise — how does travel insurance work then?
Well, of course, you still need travel insurance if you’re on a cruise, but there are some extra things you’ll want to be aware of.
7 things to look for in a cruise travel insurance Policy
1. Make sure that whichever travel insurance policy you choose, you double-check that it’s valid for any emergency and problem that might arise on a cruise specifically. Often, cruise coverage is an extra charge on top of your regular travel insurance.
2. even if you’re cruising close to home, you may still run into unforeseen issues. For example, in the United States, medical insurance stops covering you when your ship is more than six hours away from a us port; in Australia, it stops as soon as your ship leaves port. For that reason, you’ll want to get a policy that covers you even if you’re in/around your home country.
3. Be aware that the treatment for less serious medical conditions — the kinds that don’t require you to leave the trip — are more expensive on a cruise ship than on land. Make sure your policy has a sufficient amount of medical coverage (at least $100,000 USD).
4. Remember, if you fall seriously ill when you’re at sea and you need to be evacuated to a hospital, it’s more expensive than if you’re already on land. Evacuation by helicopter, to the nearest treatment facility, can be in the tens of thousands of dollars. Make sure your policy has sufficient evacuation coverage (at least $250,000 USD).
If you don’t want to get stuck in that “nearest” hospital, consider getting Medjet. They are the premier membership program that then gets you all the way to a hospital at home.
5. Be sure to have cancellation, delay, or trip interruption coverage too. For example, if you have a flight delay that means you’ll miss the start of the cruise, it’s a lot more difficult to deal with than just arriving late for a land-based trip. Hurricanes or other severe weather events also affect cruises significantly, and you’ll want your insurance policy to take that into account.
6. Take a look at the shore activities you might participate in during the cruise and check if any need to be mentioned to your insurer, like certain adventure activities or water sports.
7. Unlike other kinds of travel, you might be more likely to take valuable jewelry and expensive clothing on a cruise, for some of the fancy dinners and events cruise ships hold. typically a regular travel insurance policy will only cover these items up to a certain value, so check that your valuables are covered against possible loss or theft.
What is the best cruise travel Insurance?
With so much to consider, it can be hard to decide which cruise travel insurance to choose.
Be aware that while many cruise companies offer their own insurance, the conditions are typically stricter, and you might find it hard to make a claim. For example, they typically will only reimburse up to 75% of your expenses, tend to have only a short list of reasons you are able to cancel for, and rarely cover pre-existing medical conditions. You’re always better off using a third-party insurer.
Whichever policy you decide on, it’s vital that you read the policy details carefully so you know exactly what you are covered for.
The insurers below are some I recommend that have specific cruise insurance policies and offer a decent amount of coverage for a lot of potential mishaps.
Travel Guard
Travel Guard has specific cruise insurance policies, which makes it simpler than trying to find an add-on. If you’re getting a quote online, they’ll ask you to specify if you’re taking a plane, a cruise, or both. They cover any emergency travel assistance, trip interruption, delay, or cancellation.
Medical expenses and emergency evacuation are covered, but the maximum amount varies between the essential, preferred, and deluxe plans: the vital plan includes a $150,000 limit on emergency evacuation, which might not be quite enough from some parts of the world, but you can get up to a million dollars of coverage on the deluxe plan.
VisitorsCoverage/IMG
In early 2019, VisitorsCoverage and IMG partnered to launch a new insurance product specifically for crLos viajeros de Uise, llamados SafeCruise. El plan SafeCruise incluye toda la protección adicional que necesita como viajero de cruceros e incluso tiene una opción de actualización para incluir una cobertura de hasta el 75% de los costos prepagos y no reembolsables si cancela por algún motivo.
La cobertura de evacuación de emergencia o repatriación médica tiene un límite alto de $ 1,000,000. Además, siempre que compre un seguro para cuando realice el pago final de su viaje, también hay una exención para la mayoría de las condiciones preexistentes.
Asegurar mi viaje
Asegure que mi viaje sea un sitio de agregador imparcial que analizará muchas pólizas de seguro diferentes para encontrar el que mejor se adapte a sus necesidades.
Por ejemplo, si su crucero es durante la temporada de huracanes a un área que podría verse afectada, su algoritmo de búsqueda lo toma en cuenta y recomienda pólizas de seguro de viaje con buena cobertura para problemas climáticos. También es el mejor lugar para encontrar un seguro de viaje para viajeros mayores de 65 años.
***
No vayas a un crucero sin un seguro de viaje adecuado. Eso significa ser consciente y prestar un poco más de atención de lo habitual a las condiciones de su póliza. Asegúrese de que cualquier política que elija le cubra lo suficiente para la evacuación médica, el tratamiento médico a bordo y otros percances como conexiones perdidas, equipaje robado, retrasos y cancelaciones.
Si no puede permitirse agregar un seguro de viaje de crucero a los costos de su viaje, probablemente no pueda darse el lujo de viajar. Simplemente no vale la pena el riesgo de volver a casa con una factura en decenas de miles de dólares o más si algo inesperado sale mal.
En mi experiencia, siempre es mejor estar seguro que curar. La tranquilidad vale el costo adicional.
Cómo viajar por el mundo por $ 50 por día
Mi guía de bolsillo más vendida del New York Times para viajar mundialmente te enseñará cómo dominar el arte de los viajes para que salgas del camino trillado, ahorre dinero y tengas una experiencia de viaje más profunda. Es su guía de planificación de la BBC llamada la BBC llamada “Biblia para los viajeros del presupuesto”.
¡Haga clic aquí para obtener más información y comenzar a leerlo hoy!
Reserve su viaje: consejos y trucos logísticos
Reserve su vuelo
Encuentre un vuelo de bajo costo usando Skyscanner. Es mi motor de búsqueda favorito porque busca sitios web y aerolíneas en todo el mundo para que siempre sepa que no queda piedra sin remover.
Reserva tu alojamiento
Puedes reservar tu albergue con HostelWorld. Si desea quedarse en otro lugar que no sea un albergue, use Booking.com, ya que devuelven constantemente las tarifas más baratas para casas de huéspedes y hoteles.
No olvides el seguro de viaje
El seguro de viaje lo protegerá contra enfermedades, lesiones, robo y cancelaciones. Es una protección integral en caso de que algo salga mal. Nunca salgo de viaje sin él, ya que he tenido que usarlo muchas veces en el pasado. Mis compañías favoritas que ofrecen el mejor servicio y valor son:
Seguridad (mejor para todos)
Asegurar mi viaje (para aquellos mayores de 70)
MedJet (para cobertura de evacuación adicional)
Listo para reservar tu viaje?
Consulte mi página de recursos para que las mejores compañías usen cuando viaja. Enumero todos los que uso cuando viajo. Son los mejores en clase y no puedes equivocarte usando en tu viaje.