
Do You Need Special Travel Insurance For A Cruise?
Actually, considering everything that goes into a cruise – especially how much it costs – you’re really better off buying special travel insurance specifically designed for a cruise.
Actually, considering everything that goes into a cruise – especially how much it costs – you’re really better off buying special travel insurance specifically designed for a cruise.
You should consider buying cruise insurance if you’re worried that:
Cruise insurance has something to help in many troublesome cruise scenarios, from emergency medical coverage to protection for lost or stolen luggage to emergency travel assistance.
Still, you might decide not to insure a particular cruise – and that’s okay. However, before you make that decision you need to consider:
Let’s look at each of those areas.
It’s a fact of cruise life: Some people who go on a cruise simply need insurance more than others.
If you’re an older cruiser, here’s why you may need cruise insurance:
While older travelers tend to take longer, more involved, more expensive cruises, they should choose cruise insurance for short cruises as well, because it can help pay emergency medical expenses and medical evacuation.
Also, the emergency assistance that comes with cruise insurance can help deal with issues that crop up on board.
Solo cruising is more popular than ever – and cruise insurance can provide the “safety net” solo cruisers need:
It’s essential to have medical coverage that protects you when you cruise and can evacuate you if you have a medical emergency.
Also, the travel assistance that comes with most plans is the perfect support system for many solo travelers.
Berkshire Hathaway Travel Protection supports multi-channel assistance requests, so even if you can’t call in you can still get help via email or social media.
Putting together an intergenerational family cruise vacation is complex – making cruise insurance with trip cancellation and interruption coverage important to consider.
Trip cancellation and interruption can also protect a family cruise in case the unexpected happens, like:
The longer it takes to get to your cruise’s starting point, the more you should consider cruise insurance – but cruises close to home can benefit from cruise insurance, too.
If you have to interrupt your cruise a long way from home, it can be a challenge arranging things to get you back home – and a real hit to the wallet paying for those changed arrangements.
Cruise insurance can help pay for a return flight home, in addition to reimbursing you for remaining prepaid trip expenses.
The emergency assistance included with many plans can also help you arrange your return home, so you’re not left to figure out all the changes on your own.
Even travelers on a domestic cruise can have issues just as challenging as those that affect travelers cruising far from home.
If you have a medical emergency, for instance, you need help fast, and you need bills paid. Cruise insurance can help with that.
And think of once-in-a-lifetime cruises like an intergenerational cruise or honeymoon. Those trips may need the comprehensive protection of cruise insurance.
The more your cruise costs, the more you need cruise insurance. Some three-day cruises might not require cruise insurance, but many big-ticket trips carry the potential for significant financial losses.
You need to judge what you can afford to lose without any compensation. These days, that threshold might be pretty low. Any cruise expense above that deserves to be insured.
Cruise insurance can help protect your trip against the unexpected. For example:
You just feel better when your trip is insured. That’s a great reason to buy cruise insurance.
To find out how much it costs to avoid these issues, take a few minutes and get a quote. It’s easy, and there’s absolutely no obligation.
The product descriptions provided here are only brief summaries. Coverage and benefits will vary depending on product and state of residency. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. Travel Insurance is underwritten by Berkshire Hathaway Specialty Insurance Company; NAIC #22276.
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