The number of British people taking cruises is increasing every year- with long-haul cruises seeing the fastest growth. With this, come more tailored insurance packages.
If you’re considering a cruise for your next holiday – you’ll need to ensure that you arrange cruise insurance. There are a number of reasons why just a general travel policy won’t cover you & you’d regret to discover that you’d been left under-insured, just when you needed your medical insurance – especially if you were out at sea at the time. So, make sure you tell your broker.
Your broker can personalise your policy to you, your medical records and your itinerary, so you’re definitely covered for your whole trip and for every eventuality.
Yes, cruise insurance will likely cost you a bit more than a standard travel policy, but that’s because it has to cover you for a lot more, plus the cancellation limits and subsequent payouts are higher. Cruise cover overall will still work out as more cost effective than individual travel policies for each of your stopovers.
But, why specifically Cruise Insurance?
– To cover any land excursions during your stopovers
-To cover you for every stop, even if you’ll only be there a few hours – in case you have to be diverted there or have to stay on land for hospital care.
– Because you generally book a cruise well in advance of your trip, there’s a higher chance of you needing cancellation cover. Disruptive weather could also lead to journey changes or cancellations. Missed port departures will also need to be covered.
– Because illness is spread more easily among cruise passengers due to the confinement, you’ll need cover for this. Cruise interruption cover protects you in case your cruise is cut short due to ill health. You may need to be airlifted to hospital in an emergency and the costs without adequate insurance would be enormous.
-As with any travel policy, you’ll need to declare any pre-existing conditions
So, remember to arrange your cruise insurance before you start paying significantly towards your trip, so you’re fully covered, with maximum value for your money.
Whether it is cruise insurance or standard travel insurance you need for your next holiday – they’re predominantly in place just in case the worst happens & you need medical help whilst you’re away. So, get on board the fastest growing trend in worldwide travel, with personalised cruise cover from your broker– how a-boat it?