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Travel Guard has other add-ons that are only available with the Preferred and Deluxe plans such as coverage for lodging expenses, trip exchange, security evacuation and trip saver. The Basic plan doesn’t include nonmedical evacuation, death and dismemberment coverage or coverage for itinerary changes. The company has an A+ AM Best rating, which means that it has a superior ability to pay for claims and meet its financial obligations. You'll need to review the policy before the trip to decide if you need to purchase additional coverage.
What's Not Covered?
Safety is a top priority on cruise ships, and every effort is made to steer clear of hazardous weather. However, unexpected events such as hurricanes can happen, causing your trip to end early. Cruise lines don’t always offer refunds in these kinds of situations, but trip cancellation coverage can help repay you for the missed portion of your cruise. As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage. The price will vary depending on factors like your age, your travel destination, and whether you require additional coverage.
How to Find the Best Deals on Cruise Insurance
Missed port-of-call coverage pays a benefit if the cruise ship misses a scheduled port of call due to weather, a natural disaster or a mechanical breakdown. Some policies also cover the financial default of a travel provider. In such cases, if your cruise line goes out of business before you sail, you could get all — or at least some — of your money back. Travel insurance giant Allianz Global Assistance reports that 53% of all cruise-related "billing reasons" for claims are because of illness for the insured person, while 14% are for an injury. Another 8% are for the illness of a family member, 4% for the death of a family member and 4% for the illness of a traveling companion, among other reasons.
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The latter may be necessary if you intend to use a rental car to and from the port. Another important factor to consider is COVID-19 protection, as not all insurance plans include it. You will want to consider what happens if you get sick before the sailing or onboard since you may have to find accommodation if you are not able to travel for a period of time.
Get Your Free Cruise Travel Insurance Quote Now
Look for the following coverage options and compare coverage amounts to determine which third-party plan is the best cruise insurance option for your upcoming trip. Review your policy to be sure the plan you’re buying will cover your adventurous fun. If it doesn’t, ask about an adventure sports add-on, or consider a company such as World Nomads that caters to the adventurous traveler. AIG’s Travel Guard Preferred plan provides solid benefits at a very low average price. Optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades allow you to customize a policy to fit your needs. Baggage loss is everyone’s worst nightmare, but luckily it can be covered by cruise insurance.
Medical evacuation travel insurance covers the costs to get you to the nearest adequate medical facility or even back home if it’s medically required. Your travel insurer’s emergency assistance team can also help arrange for the medevac. Whether it’s your first voyage or you’re a cruise veteran, having the right travel insurance is important.
Several cruise insurance comparison travel booking sites may help, including SquareMouth, Insubuy and Aardy. Trip cancellation coverage reimburses the prepaid and nonrefundable deposits that you would lose in case you must cancel your cruise trip for a reason covered by the policy. These reasons range from death and illness to jury duty summons and family emergencies. This coverage helps you pay for evacuation expenses if you have a medical emergency while on a cruise ship if the ship’s medical providers can’t treat you. The coverage will reimburse for the cost of transportation to the nearest medical facility or your home. Travel insurance can save you when you’re in a pinch, and cruises are especially important to protect.
With cruise insurance, you’re covered for unexpected issues that can interfere with your travel plans. Read on to learn what cruise insurance is, how to get it, and how to find the best cruise insurance policies, whether you’re buying directly from the cruise line or a third-party insurance company. Pre-existing conditions are covered if you purchase coverage within 20 days of making your initial trip deposit. If you don't qualify for the pre-existing conditions waiver, there is no emergency medical coverage for conditions existing within 60 days of your policy's start date.
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You can be covered for emergency medical expenses, trip delays, trip cancellations or interruptions and more. Shop around and compare providers to find the best cruise insurance policy for you. We were quoted $100.50 for a 55-year-old cruising Alaska for John Hancock Insurance Agency’s Silver plan, which reimburses up to 75% of your trip cost under Cancel for Any Reason coverage.
Most American health insurers and Medicare will not cover foreign medical treatment under standard coverage. Cruise insurance eliminates or greatly reduces out-of-pocket expenses. Prices will vary based on company, trip length, cost, who is being covered, and the sort of coverage you choose. Most companies also offer different levels of plan that have different limits and thus, higher or lower prices.
WaveCare offers an inconvenience payment for travelers whose cruises have been significantly diverted. Find the list of covered reasons for cancellation and interruption and read it thoroughly. When it comes to buying travel insurance, don't worry if you've paid for your cruise but haven't yet purchased your airline tickets. You can estimate the airfare cost when buying your travel insurance and then give your provider your exact travel itinerary once those tickets are booked. Likewise, if you're arranging your plane tickets first, buy your travel insurance within two weeks of that purchase, and enter your full cruise fare, even if you have not purchased it or have only paid the deposit.
If you miss your cruise departure due to a reason that is covered by your cruise insurance policy, your plan may reimburse you for expenses related to rejoining the ship. Also, your own health insurance may not cover cruise travel or medical attention onboard a ship. Often, some personal insurance plans do not protect passengers once they have sailed more than six hours from any U.S. port.
In general, if you know you’re going to buy travel insurance for your cruise there’s no reason to wait. When you get a quote for cruise insurance, the insurance provider asks you about these things, and uses your answers to come up with a price for your cruise insurance. For most cruises, cruise-specific insurance like WaveCare offers the broadest level of protection for the things that can go wrong during a cruise. While cruise-specific insurance isn’t required, it’s highly recommended to make sure all aspects of the trip are appropriately covered.
It also offers coverage for COVID-19 medical and cancellation, trip cancellation and interruption, and medical expenses and evacuation with primary coverage. Cruise travel insurance offers you a safety net by protecting your life, your health, your belongings and your money when the unexpected happens. These plans often cover situations that can arise on cruises, such as trip interruptions, trip cancellations, medical evacuations, cruise ship disablement, lost luggage and more. Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical. The best travel insurance plans will provide flexibility to add coverage options to fit your travels needs.
Before buying this coverage, compare your options against your credit card benefits. You might also shop for general travel insurance policies to see if you can get a better deal than what’s offered through your cruise line. If you already have a standalone travel insurance policy or a credit card with travel protections, you may wonder if you need to purchase a cruise travel insurance policy. Some cruise lines require the purchase of a travel insurance policy before the final payment date when charges become nonrefundable. Others require the purchase of coverage a certain number of days before departure.
It refunds parts of your trip that you miss because of a common carrier delay. Comprehensive travel insurance, regardless of your age, is widely available and relatively affordable. In fact, 13% of "billing reasons" for claims to Allianz are for common carrier delays (such as a flight delay), while weather and natural disaster-related claims account for about 3%. If you're hoping to insure against a storm-related disaster, it's good to buy travel insurance as early as possible.
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