Many travelers are taking advantage of cruise sales to book their next vacation and relying on travel insurance to protect their investment. With wave season kicking off this week, Squaremouth shares 5 key tips for buying cruise insurance in 2019.
Be Wary of Coverage Through Your Cruise Line
Travelers with specific concerns, such as a sick family member at home or a pre-existing medical condition, should compare the insurance offered through their cruise line to that of a third-party to ensure they are getting the coverage they need for the lowest price.
Third-party policies typically have more extensive Trip Cancellation and Trip Delay benefits, and can include Pre-Existing Condition coverage, which is typically not covered by cruise line insurance. Third-party policies can also provide coverage for travel before and after your cruise, while cruise line insurance typically only covers portions of your trip purchased directly through the cruise line.
Emergency Evacuation Can Get Pricey
Medical evacuation on cruise ships is often more expensive than typical medical transport costs, especially for cruises to more remote locations. To prepare for these potential expenses, Squaremouth recommends cruisers look for at least $250,000 in Medical Evacuation coverage when purchasing a policy for their cruise. This benefit can cover the cost of an evacuation off a cruise boat, or from port, and even back home if deemed necessary.
Don’t Overlook Missed Connection Coverage
If a traveler misses their cruise departure due to bad weather or other airline delays, the Missed Connection benefit can cover their expenses to catch up to their cruise at the next port. This benefit can kick in as soon as three hours into a delay, and coverage can range from a few hundred dollars to more than $2,000.
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