When booking a cruise, many people don’t think about getting travel insurance. But what happens if you get sick before the trip and can’t go? Or what if the cruise line goes bankrupt and you lose your money? Travel insurance protects you in case of unforeseen circumstances like these, and it’s important to make sure you’re covered before you set sail.
Should I Get Travel Insurance?
Travel insurance is not required for all cruises, but we recommend that you purchase it anyway. Why? Because travel insurance gives you financial protection in case of cancellations, delays, medical emergencies, and other unforeseen events. Travel insurance will also cover you if you need to be evacuated from the ship due to an emergency.
If you’re planning a cruise, we recommend that you purchase travel insurance through a reputable provider. Some cruise lines offer their own travel insurance policies, but they may be more expensive than policies offered by independent providers. Be sure to compare prices and coverage before making a decision.
What Type of Travel Insurance Might I Need?
There are two main types of travel insurance: medical and trip cancellation. Medical insurance covers you in case you get sick or injured while on your trip. Trip cancellation insurance covers you if you have to cancel your trip for a covered reason, such as an illness or severe weather. Some policies also include insolvency cover, which protects you if the cruise line goes bankrupt and you lose your money (we’ll cover this below).
It’s important to read the fine print of any travel insurance policy before you buy it. Make sure you understand what is and is not covered. For example, most policies will not cover cancellations due to terrorist attacks or natural disasters. And if you have a pre-existing medical condition, it may not be covered either. Some travel insurance will cover you if you get Covid-19 before your trip, while others might exclude this.
When deciding how much coverage to get, consider the cost of your trip and how much you can afford to pay out of pocket if something goes wrong. It’s always better to have too much coverage than not enough. Once you have a policy in place, all that’s left to do is relax and enjoy your cruise!
What About Insolvency Cover?
You may also be wondering if you need to purchase insolvency cover for your cruise. Insolvency cover is protection that gives you a refund or alternate travel arrangements if your cruise line goes bankrupt before your trip. While it’s not required, we recommend that you purchase insolvency cover if your cruise is more than six months away.
Cruise ship holidays are becoming increasingly popular, with more and more people choosing to enjoy the food, entertainment and relaxation that they offer. However, as with any holiday, there are always risks involved. One of the biggest risks when booking a cruise is the possibility that the cruise company goes bankrupt before your holiday takes place.
If this happens, your travel insurance policy will not cover you for any financial losses incurred as a result of the company’s insolvency. This is where insolvency cover comes in. Insolvency cover is designed to protect you financially if your holiday plans are affected by the insolvency of your travel provider.
Most travel insurance policies will not include insolvency cover as standard, so it’s important to check whether your policy includes it or not. If it doesn’t, you can usually add it on for an additional cost.
How Does a Travel Agent Help?
Working with a travel agent can save you time by allowing them to compare cruise insurance policies from multiple insurers so you can find the best coverage at the lowest price. They know which companies have the best coverage and they are familiar with industry standards so they can help you select the right policy for your needs. They will also be able to answer any questions that you may have about what is covered under a particular policy and how much it will cost. Plus, they will be able to provide assistance if there is ever an issue while on your trip or when filing a claim after returning home.
In addition, working with a travel agent allows you access to their network of suppliers who specialise in cruise insurance policies. This means that they are familiar with any potential discounts or other benefits that may be available from specific insurers and can offer advice based on their experience working with them in the past. Plus, since they are already familiar with your specific situation, such as any pre-existing conditions or special circumstances related to your trip, they are likely better equipped than an online search engine algorithm when it comes to finding the best deal for you specifically.
If you’re booking a cruise, make sure you’re aware of the importance of travel insurance and insolvency cover. These two types of protection will ensure that you’re covered financially if something goes wrong with your holiday plans. Check your travel insurance policy to see if it includes insolvency cover, and if not, consider adding it on. If you need any help on organising travel insurance, or unsure of what you need to get covered, get in contact with us, we are always more than willing to help you solve any holiday-related worries.