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Smooth Sailing: The Crucial Reasons Why You Should Get Travel Insurance for Cruises

by User Not Found | Oct 19, 2023
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Discover why securing travel insurance for cruises might be beneficial for you. Learn about the risks, benefits, and peace of mind it offers in our guide.


While the idea of gliding on the open sea may seem like a dream come true, unforeseen events can turn it into a nightmare. From medical emergencies to trip cancellations, a variety of risks can disrupt your cruise vacation. In this blog post, we'll explore why getting travel insurance for cruises is essential. We'll delve into the benefits, the peace of mind it offers, and the protection it provides to help ensure your cruise experience is nothing short of spectacular.


Protecting Your Investment

Cruises can be a significant financial commitment. Whether you've splurged on a luxury cruise liner or saved for months to afford a family trip, the last thing you want is to lose your hard-earned money due to unforeseen circumstances.

Travel insurance for cruises can safeguard your investment by reimbursing you for non-refundable expenses if you have to cancel or interrupt your trip for a covered reason. These reasons might include sudden illness, injury, or the death of a family member. Without insurance, you could lose a substantial amount of money, but with it, you can recover your prepaid expenses which can help you to rebook your dream cruise at a later date.


Medical Emergencies at Sea

While cruise ships are equipped with medical facilities and staff, there are limits to the types of medical care they can provide. If you or a loved one experiences a severe illness or injury onboard, you may require evacuation to a medical facility on land, which can be an expensive process. Most travel insurance for cruises includes emergency medical evacuation coverage, which provides coverage if you need to be transported to the nearest adequate medical facility in this situation.

Travel insurance for cruises typically includes coverage for medical expenses, covering necessary treatment and even hospital stays. Without insurance, you could find yourself facing significant medical bills. With insurance, your health and finances are protected, allowing you to focus on recovery.


Missed Trip Connections and Trip Delays

Cruise itineraries are meticulously planned, but sometimes, Mother Nature has different ideas. Inclement weather, natural disasters, or technical issues can cause you to miss your cruise’s departure or delay your cruise. You might also miss out on prepaid excursions.

Travel insurance covers these unexpected interruptions. If you miss your cruise departure due to a covered reason, your additional transportation expenses to join the departed cruise are covered. You can receive compensation for missed port stops, additional accommodation costs, and even meals during covered delays. This helps you to still get the most out of your cruise, even when faced with unforeseen challenges.


Lost or Delayed Baggage

Imagine arriving at your cruise destination only to find that your luggage has gone missing. It's a traveler's nightmare. However, travel insurance for cruises offers coverage for lost, stolen, or delayed baggage. This means you can purchase essential items and clothing while waiting for your belongings to catch up with you.


Pre-Existing Medical Conditions

If you or a family member have pre-existing medical conditions, it's crucial to have travel insurance for cruises. Some travel protection plans exclude coverage for pre-existing conditions, which means you won't be protected if your condition worsens or if you need medical care related to your condition while on your cruise. However, some specialized travel protection plans offer coverage for pre-existing conditions.


Peace of Mind for Families

Traveling with family members, especially children and elderly relatives, adds another layer of responsibility. Travel insurance for cruises offers peace of mind, allowing you to focus on creating lasting memories with your loved ones.


Investing in travel insurance is essential. It protects your investment, your health, and your peace of mind. So, before you set sail on your next cruise adventure, make sure to secure the right travel protection plan. Visit our website or talk to your travel advisor to find a plan that is right for you.


Disclaimer: This blog post provides general information about the benefits of travel insurance for cruises. It is essential to read and understand the terms and conditions of your specific travel protection plan to ensure you have the coverage you need for your cruise vacation.



This website contains highlights of the plans developed by Travel Insured International, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by C&F Services and for WTP Cruise only, AwayCare and Blue Ribbon Bags. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured International. P.O. Box 6503, Glastonbury, CT 06033; 855-752-8303; [email protected]; California license #0I13223. While Travel Insured International markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Travel Insured and Travel Insured does not receive compensation from USF for providing the non-insurance components of the plans.