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” If you want to spend more time relaxing and less time worrying, the answer is yes. Cruise travel insurance offers some peace of mind for travelers. That’s why we offer Princess Vacation Protection (PVP), a simple way to ease your worries before setting sail. Available in both a Standard and Platinum plan, choose the plan you want based on the coverage and plan price that works best for you. Here are some additional benefits of our travel protection plan — Princess’ form of cruise insurance.
Trip Interruption Coverage
Cruise insurance makes sure you don’t lose this in the unforeseen event of a cancelation emergency. Weigh the pros, cons, typical costs, and coverage options to decide whether it’s worth purchasing. All companies featured in our review of the top travel insurance for cruises are reputable. You don’t have to take our word for it either – they are regulated by the Division of Insurance. Smith said browsing beyond the cruise line's offerings can help travelers find deals on insurance. "If you shop around, sometimes you can't actually find a better rate," he said.
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It also covers death in the family, hurricane & weather, house fire, quarantine, jury duty, terrorism, and more. The medical issues also apply to family members, so a parent getting sick and needing your care would be covered. Smith advised travelers to weigh the pros and cons of policies provided through the cruise lines against those they can purchase through a third party. The details of the coverage can be found on the cruise line and insurance providers' websites, he said. While you can buy travel insurance up until the day before you leave for their cruise, Squaremouth recommends buying a policy directly after making your initial first trip deposit.
Company
The battleface Discovery Plan covers COVID-19 cancellation and medical expenses, along with regular trip cancellation, medical evacuation, and medical emergency coverage. We were quoted $36.54 for a 35-year-old cruising Italy on this plan. One benefit that cruise travel insurance policies offer that credit cards don't is the ability to cancel for any reason. Although you may not get back 100% of the cruise price, these policies allow you to cancel for any reason and get a portion of the price back as a credit toward a future trip. If the policy is priced low enough, it may be worth buying the insurance offered through your cruise line for that benefit alone. Most policies that include the Trip Cancellation benefit offer 100% reimbursement for all prepaid, non-refundable trip costs.
Best Cruise Travel Insurance Plans of February 2024
Travel insurance for cruises can cover you for all of these things. We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Considering all the above, you may want to shop around, looking at basic to premium cruise insurance policies based on your own needs.
A comprehensive travel insurance plan will package additional benefits such as travel delay insurance, baggage insurance and missed connection travel insurance. Canceling for reasons that aren’t listed in the policy isn’t covered, unless you have already purchased a CFAR upgrade. This typically reimburses you 75% of trip costs, as long as you cancel at least 48 hours before your departure. Trawick’s Safe Travels First Class policy provides solid benefits at a great average cost, including high medical evacuation limits and good missed connection coverage.
From scuba diving in the Caribbean sea to riding ATVs through the mainland, excursions offer a chance to experience destinations included in your itinerary. Travel insurance can cover these expenses through the Trip Cancellation, CFAR, or Trip Interruption benefits should you need to cancel your plans. If you plan on partaking in more extreme excursions, you will need to find a policy that explicitly includes Sports & Activities coverage.
What coverage is time-sensitive?
TravelSafe’s Classic plan provides the highest limits for missed connection and evacuation benefits among top-rated plans. It also has very good trip interruption and hurricane and weather coverage at a competitive price. Travel insurance can save you when you’re in a pinch, and cruises are especially important to protect.
Be sure to verify what, if any, penalties will be applied if you have to cancel your trip. For many cruisers, travel insurance is worth it for the peace of mind alone. If things don't go according to plan, travel insurance can protect you from serious financial loss. In addition to well-rounded benefits, most cruise insurance plans also include 24 Hour Travel Assistance Services to support you before and during your cruise. 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.
This allows you to review the policy you've selected and return it for any reason within the period allotted — usually for a small administration fee of less than $10. One thing to note is that you can’t purchase after you already have an event that will lead to a loss. For example, say you get hurt in an accident that means you won’t be able to go on your vacation. You can’t purchase insurance and then try to be reimbursed for your trip. This is insurance fraud and the company won’t provide reimbursement.
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. In all of these situations, you might benefit from having cruise travel insurance — keyword "might." Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs. Additionally, the Travel Guard Preferred plan includes benefits if (under certain conditions) you must start your trip earlier than planned—a feature not found in all policies.
It can help you get home after a natural disaster, a political situation or a security problem. However, you must buy the policy within 14 days of your first deposit. The policy also includes $25,000 for accidental death and dismemberment. Cruise Choice gives you $150 per day up to $750 to cover the additional expenses.
Cruise insurance provides financial protection for travelers if their travel plans are impacted before or during their cruise. Most comprehensive travel insurance policies provide coverage for common travel disruptions, including cancellations, medical emergencies, travel delays, missed connections, and personal items. Many travel insurance policies cover cruises, but cruise insurance may be tailored to the risks of cruises, covering transportation, accommodations, and activities.
Incidents related to terrorism and labor strikes may be included in insurance policies. However, like so many other aspects of insurance, there are caveats. It's always advisable to carefully check your policy's description of coverage to determine how these events are covered. Two months before embarkation, your travel partner loses his job and can no longer afford to go on vacation. Without insurance, you may be left holding the bag to either pay an additional single supplement to continue with your plans, or to cancel and get hit with the full force of the cruise line's cancellation policy.
World Nomads' Explorer Plan also offers $25,000 in coverage for nonmedical emergency evacuation for covered events, such as a natural disaster or political or security situations. Preexisting medical conditions are covered by this policy, though you must purchase your policy within 14 days of your trip deposit. The policy's $750-maximum trip delay coverage begins after a six-hour delay and includes kennel fees for up to $100 per day, along with coverage for additional meal and accommodation expenses. Insurance pricing is dependent on the trip cost and the age of the insured travelers. Sandberg estimates that "travelers in their 30s or 40s can ballpark insurance coverage somewhere around 5% to 7% of the trip costs, with rates that can get lower depending on the extent of coverage."
