What kind of policies are available for cruise insurance
Choosing cruise insurance – or for that matter any travel insurance – can be time consuming, as well as confusing. Be aware that policy plans vary greatly – so each individual has to determine which plan best covers your needs.
Cruise lines offer their own travel insurance, however it is NOT the best option, and prices are far more than finding insurance on your own. You should also be aware that these type of policies are “secondary” policies. Cruise lines are notorious for offering compensation in “on-board credits” – not hard cash in many situations!
Indepth research requires to be conducted before selecting a travel insurance company that one will take a cruise Insurance with as they all come in different costs and cover various aspects. Only purchase what you need, and beware of add-ons that do not benefit you, and only add to the policy cost.
One should clearly understand the difference between secondary and primary policy. The difference is simple, that policy that is purchased through the cruise lines or airlines is secondary while that policy that is purchased by the individual directly is the primary policy. If any incident that one had been insured against happens, the primary policy pays fast and directly. When it comes to payment, it is usually longer when it comes to secondary policy holders.
Below we analyze various policies suitable for cruise passengers.
The first policy is cruise cancellation or delay policy due to natural causes. it’s the most basic policy as it covers things like a missed cruise or a delayed cruise due to bad weather and the extra cost of spending on meals and overnight stay in a city. One should clearly understand that there are various time frames for delay as well as caps for deferments. Of importance is to make sure that the policy also covers non-refundable tours and excursions if one happens to miss any port call.
The other kind of policy is that one for cancelling a trip despite there being exclusion to this policy, it is worth having it if need be. Whatever portion of the trip you have pre-paid will be refunded.
The third policy is emergency medical evacuation which is very important if either them or their companion has a medical condition that may require evacuation back to their home states for medical attention. it is worth noting that the costs for being evacuated are extremely high and have to be covered by either the individual or their families. Obviously the cost of this policy depends upon the global location, along with how accessible it would be to get medical attention, along with transport back to your desired location.
The fourth policy covers against ship related illnesses for the individual.