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Once you have booked your cruise, it’s time to choose the right travel insurance so that you can enjoy your adventure out at sea without being held back. While it might be tempting to just get standard travel cover, if you are constantly journeying from destination to destination across the oceans, you really should consider getting a specific cruise travel insurance policy – and here’s why. Why Should I Get Specific Cruise Travel Insurance? A cruise holiday is different to your ordinary getaway. You are likely to be travelling for longer than your average holiday and stopping-off in numerous countries. A normal policy might not cover you for the entire duration of your trip or require a different policy for each location. With cruise travel insurance, however, you will be covered wherever you sail. On the water, you are also susceptible to a variety of situations that could affect your travels. An unexpected strike may cause a delay to your journey and make you miss your connection in the harbour, you may fall ill and be confined to your cabin for a few days, or severe weather conditions might mean that you don’t stopover at one of the planned destinations. When your holiday has different hazards, you need an insurance that covers more than a general policy, providing you instead with the flexibility to enjoy the full sailing experience. What Cover Should I Look For? Any good cruise travel insurance will cover the risks associated with this type of excursion. Don’t be too quick to jump on the cheapest option. Take your time to read through the policies and make sure that they offer compensation for: • Changes to your itinerary If a scheduled stop or port visit is cancelled because of a timetabling mishap or adverse weather, you’ll want to be able to claim money back. • Outings you miss because of illness or an accident If you are unable to leave the ship for a pre-planned excursion because you’re ill or injured, your policy should offer compensation. • Missed connections or departures This may be because of a scheduling problem, a breakdown, an accident, a strike, a delay or poor weather. If you are delayed, you should be able to get compensation for the inconvenience. • Any illness or accident that confines you to your cabin No one likes to be ill on holiday, but if it does happen and the ship’s onboard medical staff confines you to your cabin, you’ll want a cover that allows you to be reimbursed. Choose a Policy That’s Right For You Don’t risk having your cruising adventure ruined by poor sailing conditions, delays or illness. With the right cruise travel insurance, you won’t feel like you’ve wasted time or money if things don’t quite go to plan. You can simply ask for compensation and use the money to book another fabulous adventure. So, make sure you’re covered for the duration of your trip, in all the areas you visit, and for every cruise-related eventuality. Author Plate Ethan Bailey is an experienced adventure traveller and insurance expert with the team at Let's Go Insure. Ethan’s passion is to inspire his clients to go just that little bit further, deeper and higher on their travels and his expertise in providing the ideal insurance cover allows them to do just that. If you're looking for the best cruise travel insurance Let's Go works with the most experienced underwriters, intermediaries and insurers to offer a range of competitive insurance without compromising on cover.
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