Cruising holidays can be expensive, so travel insurance may seem like a low priority – surely you’re not likely to lose your luggage or be mugged out at sea!?
However, when you go on a specialist holiday it is absolutely vital that you invest in specialist travel insurance. Could you afford to lose all the money you’ve paid for your cruise holiday if you had to cancel?
To help you get the best policy for the best price, here is our guide for buying Cruise travel insurance;
- Firstly make sure the policy actually covers cruising; always opt for a specialist policy to make sure you get the best cover.
- Make sure the insurance covers ship to shore repatriation, and cabin confinement – in case you get ill on board.
- Check your pre-paid excursions are covered under the cancellation section of the policy.
- Make sure the insurance will cover you for the entire duration of your trip.
- Make sure you choose the correct cover for the country you are visiting. Ask the company if you’re unsure.
- Does the policy actually meet your needs? Check the levels of cover offered carefully to avoid being left out of pocket, Cruise cover should always have higher cancellation cover.
- If you’re thinking about or planning to participate in activities such as scuba diving or golf during your trip, are these covered?
- Make sure your formal cruise attire is covered against loss and damage.
When you buy any travel insurance policy you should check that;
- Make sure you have declared any pre-existing medical conditions, and make sure your policy covers them. If you have not declared your conditions you will not be covered for any subsequent bills.
- The cancellation cover is enough to cover the pre-paid costs of your trip.
- The insurance includes at least two million pounds of emergency medical cover and repatriation (£5 million if travelling worldwide). This may seem extreme but medical treatment abroad can become extremely expensive.
- The policy covers your baggage and personal possessions if they become lost, damaged or stolen.
- Once you have purchased your policy, you will usually be given 14 days to read it through and check that it covers your particular needs.
- Most importantly, ALWAYS read the small print.