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Specialist cruise travel insurance is a type of cover that is geared towards the things that might happen while you are on a cruise - such as transport to a hospital if you take ill while at sea or missed port stops.Taking a cruise is a great way to holiday. Many people love the idea of waking up in a different place every day and enjoying life at sea. That makes it even more important to take a cruise-specific travel insurance policy so that you can head off on your adventure with the peace of mind that you have cover.
Our guide to cruise travel insurance should help to answer any questions you might have.
The main benefit of getting cruise travel insurance will be to cover the specific risks and activities associated with this type of holiday. Policies do vary from provider to provider, but most should include:
If you need medical treatment while cruising in Europe, the European Health Insurance Card (EHIC) means you can get medical treatment at the same cost as the locals. The EHIC isn’t a substitute for travel cover; it won’t pay for getting you home or other costs linked to a medical emergency. Be aware, that it’s valid in most but not all European countries. However, if you’re going on a cruise outside of the EU, there’s no EHIC so it can be expensive to get medical support.
The countries you visit while on holiday could well impact on the price of your cruise travel insurance. For example, the following countries all have a high level of private health care, therefore it costs more to receive treatment there. As a result, you might find it’s more expensive to get cover if you’re visiting any of these countries:
To give you an idea of the costs of medical care and repatriation, when a UK traveller recently suffered a stroke in the USA, £768,000 was paid to cover the medical costs, including £60,000 for an air ambulance back home.
You can get cruise travel insurance:
If you’re including other people in your cruise insurance, you’ll need their dates of birth and details of any pre-existing medical conditions they might have to get an accurate quote. Bear in mind too, that a group premium will be affected by the ages and health of other participants, so if one person is over 80, for example, it may work out cheaper to get that person an individual policy.
It’s important that you list any pre-existing medical conditions and give insurance providers all the information they need. Otherwise, you might be charged more by your provider or not be covered. If your insurance provider discovers that the medical emergency on your trip was linked to a condition you already had, they could refuse to pay your bills or add a cost. Make sure you mention any conditions such as high blood pressure or diabetes in your quote; you could be risking thousands of pounds if you don’t.
Before picking your cruise travel insurance policy, bear the following three top tips in mind:
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