Best Cruise Insurance Plans Of April 2024

best cruise travel insurance

You can buy cruise insurance from your cruise line, through a travel agent or from a travel insurance agent or company. Cruise insurance will cover the cost of prepaid, nonrefundable shore excursions, as long as you include them in the value of the trip you are insuring. Emergency medical evacuation insurance can pay to get you back to the United States if you’re abroad and can’t get the treatment you need there.

Here are the 5 best cruise insurance plans - CNBC

Here are the 5 best cruise insurance plans.

Posted: Tue, 17 Oct 2023 12:31:20 GMT [source]

Trip Cancellation and Interruption Coverage

AXA Assistance offers three travel insurance plans that you can purchase to protect your cruise. If you are planning sporting or leisurely activities, the Platinum Plan includes daily coverages for lost skier days, lost golf rounds and sporting equipment rentals. In this article, we’ll provide comprehensive information on our top picks for cruise insurance plans. We’ll also detail what to look for in a cruise insurance policy, average costs and whether coverage is worth considering. World Nomads Travel Insurance didn’t make the cut because the company pushes its Explorer policy more than the Standard policy, which makes it more suitable for adventure travel rather than general cruising. Also, if you are a senior traveler of 70 years or more, you must include the Silver Nomads add-on to your policy, which may push your cost of cruise insurance upward unnecessarily.

How much will cruise travel insurance cost?

For example, if you buy a travel insurance policy three months before your departure and get seriously injured a week before you leave, you can file a trip cancellation claim. John Hancock’s Gold policy is worth checking out if you want high medical and evacuation limits. It also includes very good trip interruption, baggage and missed connection coverage. Nationwide’s Cruise Luxury plan provides an array of extensive benefits at a decent price, including superior missed connection coverage and emergency and non-medical evacuation benefits. 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.

best cruise travel insurance

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Top 10 Best Travel Insurance Companies of April 2024 - MarketWatch

Top 10 Best Travel Insurance Companies of April 2024.

Posted: Fri, 19 Apr 2024 07:00:00 GMT [source]

Although some of the best travel insurance companies may offer general travel plans that cover cruises, some companies also sell specific policies for these kinds of trips. Cruise travel insurance is a type of insurance that protects you while you are on a cruise. It typically covers unexpected events such as trip cancellations or interruptions, medical emergencies, lost or delayed luggage and ship disablement. Nationwide Travel Insurance is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

John Hancock travel insurance review 2024

If you’re looking at plans explicitly marketed for cruises, you may find special benefits like cruise diversion, cruise disablement and prepaid excursion reimbursement. After you compare travel insurance companies, narrow down your options to policies that provide the amount of coverage you’re looking for. 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. 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. You can buy cruise insurance after booking your trip, right up until just before departure.

Cruise insurance can help protect your vacation by reimbursing prepaid, nonrefundable expenses if you’re forced to cancel. It can also cover additional expenses you incur unexpectedly on a cruise, including emergency medical bills and costs related to baggage loss. Many travel insurance plans give you a pre-existing medical condition exclusion waiver if you buy the plan within two to three weeks after your first trip deposit. This is one of the advantages to buying travel insurance shortly after you book your trip. Without the waiver, medical expenses related to pre-existing conditions that flare up during your trip won’t be covered.

Medical coverage is secondary, meaning you’ll have to file medical claims with your health insurance provider first, but you have the option to upgrade to primary coverage. AXA's Silver Plan is the company's entry-level offering, with more value added than most budget insurance options — most notably the company's concierge service. Coverage under this plan includes robust trip cancellation and interruption coverage, both at 100% of the costs, along with $100,000 for emergency medical evacuation. Other benefits to look for with a cruise insurance policy include travel delay coverage, baggage insurance and missed connection coverage. If you are concerned about pre-existing conditions or COVID-19 coverage, check if a cruise insurance plan offers these protections as you shop for a policy. Based on the MarketWatch Guides industry-wide review, Nationwide offers the best cruise insurance plan.

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. Your travel insurer’s emergency assistance team can also help arrange for the medevac. If the dates of your trip change, your travel insurance company should allow you to change the dates of your policy to match the new travel dates.

When you choose to apply (and are approved) for a new credit card through our site, we may receive compensation from our partners, and this may impact how or where these products appear. Please view our advertising policy and product review methodology for more information. 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. 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. "As you get older, that range can expand to 10% of trip costs," notes Sandberg. "Adding bells and whistles, like 'cancel for any reason' [coverage], rates can rise to 11% to 12% of the cost of your trip."

You can prepare yourself by taking out an insurance policy that can compensate you when your vacation at sea does not go as planned. Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Trip cancellation coverage reimburses the prepaid and nonrefundable deposits that you would lose in case you must cancel your cruise trip for a reason covered by the policy. These reasons range from death and illness to jury duty summons and family emergencies. Purchasing your insurance soon after booking your cruise can often provide additional benefits and ensure you're covered for any early surprises.

If you’re planning a high-value cruise trip and would like more coverage, Berkshire Hathaway also offers LuxuryCare, a more expensive policy for luxury travelers. It’s not cruise-specific, but it provides similar coverage to WaveCare with the added benefit of concierge service and $100,000 in medical insurance coverage. You can cancel a cruise, but may have to pay a cancellation penalty for the cruise and/or flights. If you don’t have travel insurance for these losses, check the credit card you used for booking.

After our analysis, we've determined these are some of the best cruise insurance options available. But for most travelers, having a backup plan in case anything goes wrong makes the trip that much more enjoyable. For example, if any injury or health issue is alcohol-related, it may not be covered.

As you get closer to your trip your coverage options may get more expensive, and certain providers may not be able to offer you coverage. Only a few travel insurance companies currently offer “interruption for any reason” coverage, such as Nationwide, Seven Corners, Travel Insured International and WorldTrips. 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. Cruise insurance is worth considering if you can’t afford to lose the money you paid in advance for nonrefundable trip costs if you have to cancel your cruise.

You have extra time – 21 days – from your initial deposit to add a cancel-for-any-reason upgrade to your plan. The accident and sickness medical coverage is primary, with coverage up to $100,000. Compare travel insurance policies from various providers to see which one fits your needs and budget. Several cruise insurance comparison travel booking sites may help, including SquareMouth, Insubuy and Aardy. The Platinum plan is superior in all other aspects, offering $1 million for emergency medical evacuation, $250,000 for medical expenses, $3,000 for lost or stolen baggage and $600 for baggage delay.

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