When you start the online quote process, the first factors determining the price of cruise insurance will be your age and trip cost.
Then you’ll be asked about your destination, arrival and departure dates, and the number of people cruising with you.
Answer these questions truthfully; if you don’t and have a claim, it might not be paid.
You’ll also be asked one other thing: the date of your initial trip deposit.
Why We Need Your Trip-Deposit Date
This date determines whether you get bonus coverages, such as:
- Cruise-line bankruptcy protection
- A waiver of the exclusion for pre-existing medical conditions
- Changing medical coverage from primary to secondary
Usually you need to buy cruise insurance within two weeks of your initial trip deposit to qualify for these important coverages.