CRUISE INSURANCE Q&A
What does cruise insurance cover?
All our insurance plans cover medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage.* WaveCare then adds to these standard coverages a cruise disablement fixed benefit – a payment for your inconvenience if your cruise is disabled and unable to arrive in port.
Can you buy cruise insurance after booking?
Yes! That’s a great time to buy travel insurance for a cruise holiday. If you buy within 15 days of making your initial cruise deposit, you can often qualify for bonus coverages, like coverage for pre-existing medical conditions and tour-supplier bankruptcy protection. However, if you’re a procrastinator, many plans let you buy coverage up until the day before you leave.
Is trip insurance worth it for a cruise?
Absolutely! Travel insurance is often worth the investment for its potential to help reimburse you for hundreds of thousands of dollars of covered expenses like emergency evacuation, medical bills, and costs related to trip cancellation and interruption. The U.S. State Department includes travel insurance as a key component of its traveler’s checklist.
Do I need cruise medical travel insurance, or health insurance while on a cruise?
Not all medical plans will cover you when you travel overseas. If you have a medical emergency when you’re cruising, you could be faced with thousands of dollars of bills that you have to pay on the spot. Travel insurance can help pay hospital and doctor bills if you get sick or injured when you’re onboard, and can cover the cost of the medical evacuation to transport you from ship to shore to an adequate medical facility.
Should you get travel insurance for a cruise?
Savvy cruisers do. If you’re not sure, ask your travel professional, or someone who’s gone on multiple cruises.