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The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. The information is accurate as of the publish date, but always check the provider’s website for the most current information. During the second week, he developed severe bronchitis and was treated for four days in the ship’s clinic. We called our daughter (back at home), who immediately contacted Travel Guard on our behalf to start the claims process--which was seamless. After we returned home, I submitted all bills for which we were paid very quickly. Working with Travel Guard could not have been a better experience at a very stressful time.
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No coverage for pre-existing conditions that fall within 90 days of your policy's start date. No coverage for pre-existing conditions that fall within 60 days of your policy's start date. AIG's Travel Guard Preferred plan comes with a wide range of coverages and a variety of useful add-ons for an extra fee such as pet coverage, wedding coverage and cancel for any reason coverage (CFAR). Medical treatment on a cruise ship is often significantly more expensive than travelers receive at a normal doctor or hospital. Even common illnesses like a respiratory infection can cost more than $1,000 to diagnose and treat onboard a cruise ship.
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Get online quotes from the company websites and compare the different packages they offer. Because that’s where you’ll discover what a policy does and doesn’t cover. Typically offered as an add-on, CFAR coverage reimburses a percentage of your trip cost — usually 75% — for any reason, including those not listed on your policy. Many insurance companies often have a time window where you can cancel a trip for any reason. For example, your policy may allow you to cancel at least 48 hours before your set departure date.
Medical Evacuation Services
You can buy cruise insurance from the cruise line when you book, or a travel agent may offer cruise insurance plans. You also have the option to purchase cruise trip insurance independently. It’s a good idea to get multiple quotes to compare your costs and coverage and get the best deal on cruise insurance. Buying cruise insurance within the first two weeks or so of making your first trip deposit also qualifies you for additional coverage.
Say it's Jim's father, not Jim, who gets sick, forcing Jim to cancel his cruise. That's because her policy protects her if something happens to her travel companion and he's forced to cancel -- but not if he cancels because something happened to a member of his family not traveling. Those reasons and so many others are why cruisers seek insurance coverage -- and why we recommend it. More importantly, it prevents you from losing money due to unforeseen circumstances and travel emergencies, and insurance fees are typically just a small percentage of your vacation expenditure. Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port.
Before you purchase cruise insurance from a cruise line, compare your third-party options. You can get quotes from multiple travel insurance companies at once using a travel insurance aggregator such as Squaremouth. Read our guide to the best credit cards for travel insurance coverage and protection.
As with most types of insurance, policyholders pay a premium to the insurance company in exchange for coverage. Policyholders can file a claim to receive compensation for related expenses if an unexpected event occurs. 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. It has an AM Best rating of A, which means that the company has an excellent ability to pay its claims and meet its financial obligations. The Basic plan doesn’t include nonmedical evacuation, death and dismemberment coverage or coverage for itinerary changes. The company ensures that a jet will be available whenever the insured needs it; policy members who are hospitalized out of the country can choose to be transported to any hospital of their choice around the world.
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For example, if you have secondary insurance and someone steals your camera from your bag in St. Mark's Square, you'll need to try to collect on your homeowner's or renter's policy first. A standalone emergency evacuation policy is a good choice if you don't plan on getting other insurance but still want coverage for a medical emergency. While evacuation/repatriation is generally included in top-of-the-line policies, you may also purchase more comprehensive, standalone evacuation policies from companies like MedJetAssist. If your plans include the rental of a vehicle, car-rental collision coverage can be useful. One caveat is most policies will only cover cars, not trucks or even vans, so be sure to read the fine print or call your insurance provider for clarification before you reserve your rental vehicle.
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You might not be covered by regular medical insurance while cruising
If you want to buy a policy beyond what is already offered by your credit card, start with an aggregator site like Insure My Trip that compares several policies based on the criteria you choose. All of these things can affect the price of a policy that you purchase. Note that the premiums and policy structures advertised for cruise insurance companies are subject to fluctuate in accordance with the company's policies.
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You make it to the Port of Miami on time, but the airline misdirected your luggage to Cleveland. Your formal attire -- and all your other clothes and accessories -- will literally miss the boat. If your bag is delayed a certain number of hours (policies vary), your policy will reimburse you for "necessary personal effects" such as a new outfit and toiletries to tide you over until your bag is delivered. Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience.
Cruise-line insurance usually offers secondary coverage (see below) and is more limited than similarly priced coverage you can buy on your own. (For example, cruise-line coverage generally doesn't cover its own financial default.) Third-party travel insurance companies offer more inclusive policies that provide more protection, and these are often the best bet. Some insurance companies provide additional coverage for those participating in extreme sports or other high-risk activities on their vacation. This type of policy can apply to scuba diving, rock climbing or even wind surfing.
It's a good idea to compare plans and make sure the one you buy has the elements that are most important to you. Those percentages include illness and accidents that happen to cruisers just before a trip, making travel impossible. But, in many cases, such claims result from illness and injuries that occur during voyages. We check customer reviews and other resources to see which companies honor policies most effectively. Here’s a closer look at our five recommendations for cruise insurance and what makes them unique. Cruise insurance costs will generally depend on your age and the cost and length of your trip.
Your trip cost includes any prepaid, non-refundable expenses, such as airfare, hotel accommodations, tours, event tickets, excursions and theme park passes. We like Seven Corners’ Trip Protection Choice plan because it has superior travel medical expenses and evacuation benefits. We evaluated 39 policies and found that Travel Insured International, WorldTrips and Travel Safe are among the best travel insurance companies. We evaluated costs and a variety of coverage features to find the best options.
Also, financial default may not be a covered event in a cruise line-sold policy, but it's typically covered with plans from third-party travel insurance companies. The cost of cruise insurance varies depending on several factors, including your age, destination, length of cruise, trip cost and the time left before your departure date. Different insurance providers will also have their own underwriting criteria, which leads to varying prices for a single trip. Cruise travel insurance policies often cover trip interruptions as well. For example, the policy may cover your expenses if the ship breaks down and you have to fly home mid-voyage.
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