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But there are definite reasons why you should consider travel insurance for your cruise. While everyone hopes for smooth sailing, the reality is a lot of unexpected issues could pop up on your cruise. Your flight to the cruise port could be delayed, you might get sick or injured on your cruise, or you might have to cancel the whole thing if illness or obligations prevent you from going on your cruise. A hurricane could interfere with cruising in storm hotspots such as the Caribbean and Gulf of Mexico.
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Here are the 5 best cruise insurance plans - CNBC
Here are the 5 best cruise insurance plans.
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Remember, not all comprehensive travel insurance plans will have these benefits. While they can be beneficial to most cruisers, there may be some coverage limitations as well as eligibility requirements. We always recommend contacting our Customer Care Team to answer any questions you may have on the coverage and plans prior to purchase. InsureMyTrip researchers evaluated popular cruise lines and found while many plans offer basic travel insurance perks, few offer robust trip cancellation insurance or expansive emergency medical care coverage.
When to Purchase Cruise Insurance
You can read more about our editorial guidelines and the methodology for the ratings below. We check customer reviews and other resources to see which companies honor policies most effectively. For our test trip, Allianz Global Assistance’s basic plan cost $106, slightly below average. Here’s a closer look at our five recommendations for cruise insurance and what makes them unique. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
Best for cancel for any reason coverage
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If you are primarily interested in emergency medical coverage, please read more about our travel health insurance plans we have available. Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. Cruise ships are obviously especially vulnerable to the effects of hurricanes or other severe weather. While most comprehensive travel insurance plans will not offer coverage if your cruise departs as scheduled, the plan may cover you if the cruise is canceled or cut short. Trip cancellation coverage can help to recoup any costs that the cruise company will not reimburse.
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. Log into our new user-friendly travel insurance plan booking platform.
Emergency medical evacuation
Due to an increase in demand for travel protection while at sea, many travel insurance providers offer plans specifically built for cruisers. While we all hope for smooth sailing when taking a cruise, it’s not always the case. The main reason cruisers purchase travel medical insurance coverage is to protect against unforeseen injuries, illnesses, and other events that may occur during a trip. We only scored plans that cover COVID-related cancellation and medical expenses, and plans that offer missed connection coverage.
Check with your insurance provider about coverage before you depart on your cruise. Find out if supplemental cruise insurance is available if you want to use your existing health insurance coverage. Also, your own health insurance may not cover cruise travel or medical attention onboard a ship. Often, some personal insurance plans do not protect passengers once they have sailed more than six hours from any U.S. port.
Sometimes when you are traveling to meet your cruise, you get delayed on the way. If you and your travel companions are delayed 3 or more hours due to a covered reason and you miss your cruise departure, this coverage may reimburse, up to the stated limit, for expenses to help you rejoin your ship. However, depending on the travel insurance company, you may only be eligible for benefits if you left adequate time between your delayed flight and missed connection. At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money.
For increased medical coverage: Seven Corners' RoundTrip Choice Plan
Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues. Whether you’re on the cruise ship, the beach, or enroute to your port of call, a good travel insurance policy will offer coverage and peace of mind for the entirety of your cruise vacation. Nationwide didn’t make the cut because CFAR is only available if you choose the Luxury plan, meaning that you will need to purchase the most expensive plan to include this add-on to your travel insurance for a cruise. Also, the medical coverage you get is secondary to your existing health insurance policy, and dental coverage is limited to $750 for all three plans. Average cruise travel insurance costs are based on rates for seven international trips with a variety of traveler ages and destinations, without “cancel for any reason” coverage. Note that plans have different levels of benefits, which can account for price differences.
Often, cruise lines won’t offer any refunds if you cancel within a certain period before your cruise, such as 14 or 30 days. For example, you could make a “cancel for any reason” claim if you’re worried about being seasick—a reason not covered by standard trip cancellation insurance. Buy this coverage shortly after you make your first trip deposit or the purchase window for it will close. Whether it’s your first voyage or you’re a cruise veteran, having the right travel insurance is important.
Well, if the cruise line changes your itinerary after your departure, this can throw a wrench in your plans. This coverage will provide a one-time reimbursement, up to the limit on your confirmation, for pre-paid, non-refundable activity expenses that you have lost. To determine the best cruise insurance plans, CNBC Select analyzed the offerings of 19 insurance companies and compared them based on various factors. These included the maximum coverage limits, optional coverages, types of coverage, premiums and what the policies cover. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction. Cruises are typically covered under travel insurance, so you don’t necessarily have to buy specialized cruise insurance, such as coverage from the cruise line.
Be sure to read the fine print of your policy, detailing which specific reasons for canceling your trip are covered and not covered. Only a few travel insurance companies currently offer “interruption for any reason” coverage, such as Nationwide, Seven Corners, Travel Insured International and WorldTrips. Medical evacuation travel insurance covers the costs to get you to the nearest adequate medical facility or even back home if it’s medically required.
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