What is the need of Cruise Travel Insurance?
It is essential for people travelling a lot to know there are travel insurances specially created for cruises that also provide a 24/7 emergency-support for insured individuals. Moreover, such a specially designed insurance provides coverage for personal money, missed departure, gives robbery and hospital benefits, and many more. In order to decide whether it is worth purchasing, one should know the basics of Cruise Travel Insurance!
First of all, this insurance-type has a wide range of activities that are included in the standard insurance-package. Other activities or sports may also be covered for additional costs. Cruise travel insurance may include emergency-coverage, emergency-travel, trip-interruption coverage, health-assistance services, and many more elements.
Moreover, this insurance provides coverage for many cruise-types of various shapes or sizes. Also, it may be purchased for a two-day cruise or for a month-long cruise, so there is a wide range of possibilities. One only has to choose the right cruise travel insurance that best fits one’s travel-needs.
Second, choosing the right Cruise Insurance involves being aware of the duplicates and the risks. Duplicates refer to the fact that one should be careful not to pay for an insurance-service twice. For instance, a traditional insurance covers one’s personal belongings during an international travel as well. However, people should know that traditional insurance does not provide medical coverage or trip-cancellation for instance, so it is not enough when the insured travels abroad. Therefore it is safer to purchase cruise travel insurance that is specially created for travellers, and not relying on one’s personal insurance.
Similarly, there are many cruise insurance-types available, and one needs to know the basics. First of all, one needs to define the reasons for which the insurance is needed, and the coverage-type that is primarily needed. Based on this, one can easily find the appropriate cruise travel insurance. However, one choice should be made, between primary and secondary coverage. The latter (which is attached to a primary insurance) provides a limited coverage only, so it is almost always better to buy a primary policy although this is more expensive. If one purchases a secondary coverage, one has to wait for months until the primary policy pays and one can have the chance of getting the covered deductibles back. One also needs to send a lot of documentation to get the money. Compared to this, primary policies pay out right at the moment the claim is made.
Fourth, talking about the application procedure, one has to know the following. There is a possibility of applying online, one just needs to indicate one’s residence, the trip-dates, some additional traveller information (the birth-date as well as the cost of the trip). And that’s it! Talking about eligibility, checking the guidelines provided by insurance companies is essential, as there are huge differences between them. Special attention should be made to the companies’ practices concerning the pre-existing conditions, the terrorist acts as well as regarding one’s “immediate family members.”
Fifth, one must be aware of those elements that are not covered with such insurance: bad weather (for instance, if it rains during the entire trip), war, or itinerary-changes. The same happens in those situations when one changes his/her mind (and cancels the trip without any serious reason), or if one’s personal finances go bad (for instance, if one loses his/her job). In case it is not a medical emergency, childbirth is not covered either.
All in all, if one’s trip is just a short “getaway”, without much to lose, cruise travel insurance may not be a priority. However, in some circumstances it might be life-saving. In case one is to travel both on land and on cruise, if one will have a rental car, if one worries about a family member’s health, or if one travels during such periods when flight-cancellations or delays are quite probable, then travel insurance might be a good idea. Taking into consideration the fact that the cost of the basic cruise travel insurance is affordable and reasonable, one is recommended to purchase it before the travel. Generally speaking, one needs to pay between 5-9% of the cruise travel’s total cost. Nevertheless, it is an excellent idea to make a careful research in this sense and find both the best and the most trustworthy cruise travel insurance provider! It is worth the extra work.