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Many cruise routes take you through some of the most idyllic and scenic places in the world and the prospect of anything bad or untoward happening can seem like a million miles away. That is not to say that it won’t and it is extremely important to be covered in the event of something going wrong even if you believe that it will not materialise. Most insurance companies will offer adequate cruise travel insurance and there are a host of reasons as to why it is necessary to be properly covered when you go on holiday. For a start, many cruises offer activities that can be very physical in nature and with a potential for injury. It is rare that you would get injured (even slightly) however the possibility is still there and it is important that you have good cruise insurance in this instance for two reasons. Firstly there will be limited medical facilities on board the cruise ship aside from the basic first aid capabilities and there is a chance that you will need to visit a doctor or at least a nurse on land in a foreign country (and this is even truer should the injury happen on land). This can be expensive and your cruise travel insurance will help greatly towards paying the medical bills. Furthermore you may also be able to claim compensation for sustaining the injury in the first place and this can only happen with a proper cruise insurance policy. Imagine on the off chance that something important has occurred and you are unable to actually go on your cruise and that this event has happened only a couple of weeks (or maybe days) before the departure date. Without cruise travel insurance you would most likely lose all the money that you have spent on the holiday and, in the end, have nothing to show for it. With a good insurance policy you would be able to recoup some, if not all, the money that has been spent on the cruise holiday and the only disappointment you have is not being able to go on the cruise itself. Given the expensive nature of cruises, not having cruise insurance and then having to cancel the holiday will leave you seriously out of pocket. These are just some of the reasons that you will need to be covered while you are enjoying your cruise holiday. Cruise travel insurance can also cover a whole host of things that may occur while you are away; this can include events such as lost baggage or the theft of some of your belongings. It is unlikely that this theft would happen on board a ship full of holidaymakers but it is better not to take the chance and your insurance would also cover you should any of your possessions or money be stolen while you are out and about in one of the cruise destination cities. Being properly covered is a must on any holiday and even more so while you are on a cruise trip. Written for Cruise Holidays Guide, an online cruise holidays resource with news, videos and articles including cruise travel insurance.
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