There are many different ways that people can make their lives richer when traveling: the opportunity to taste exotic meals or go on extreme kinds of recreation or, you know, just lie on a beach and relax. But at the same time nothing is certain while traveling, thus, getting prepared is a very crucial aspect of the whole process. Regardless of whether you are going on a whim for a weekend or planning your trip of a lifetime having good travel insurance is something that can be beneficial. When it comes to choosing the right insurance coverage, it can be very confusing to identify the right insurance that will suit your needs, especially when it comes to age, health complications or any plans to undertake risky activities.
As a company that believes that everyone should be able to travel with an insurance cover, no matter the age or health complications, InsureandGo makes your next trip as hitch-free as possible. InsureandGo offers no upper age limits, over 100 sports and adventure activities covered, and has specialised in providing for travellers with medical conditions – with over 27 million travellers insured since 2000.
Comprehensive Cruise Travel Insurance: Safeguarding Your High Seas Adventure
Cruises are a very special and comfortable kind of tourism because it is both traveling from one place to another and staying at a comfortable hotel, which is moving from one point to another. But, cruising also entails its unique difficulties and uncertainties such as changes in the port of call because of bad weather, to a medical emergency aboard a ship. This is where cruise travel insurance comes into play. For those who are going for a cruise, you need to know that there are certain advantages of getting a specialized insurance cover.
Why You Need Cruise Travel Insurance?
Cruise vacations are different from other types of holidays because they involve a mix of travel elements: It also implies that you are not only visiting new places but also you spend considerable time in water. Hence, the fact that it is a blend of travel and accommodation, conventional travel insurance may not adequately cater for all the risks associated with cruising.
For instance, you may miss a port due to bad weather or you fall sick and need to be airlifted, the costs are very high. This is why having dedicated cruise travel insurance is important—it offers cruise specific cover which means that your dream vacation doesn’t turn into a nightmare due to the occurrences of the mentioned events.
What Do They Mean by Cruise Travel Insurance?
Cruise travel insurance is a specific type of insurance that is developed for the purpose of covering cruise related dangers. It goes beyond standard travel insurance by including additional benefits that address common cruise-related issues, such as:
- Missed departures: Sometimes you may be stuck in traffic, your flight may be cancelled or there are other situations that may leave you with no option other than missing your ship. Cruise insurance is the insurance you take to cater for the costs of getting to the next port to continue with your cruise.
- Cabin confinement: If you get sick and have to spend time in your cabin, you might be able to claim some of the activities and time lost during your holiday.
- Unused excursions: If due to bad weather or illness you cannot go on the pre-booked shore excursions you will be reimbursed for such expenses.
- Emergency medical evacuation: Accidents or severe sickness which calls for evacuation through a helicopter may set one or two tens of thousands of pounds. These costs are covered by cruise insurance.
- Repatriation to the UK: This insurance covers all the expenses when you have to return home for treatment in extreme circumstances.
How InsureandGo’s Cruise Travel Insurance Works?
Being able to choose what you want to protect during your cruise holiday, InsureandGo provides cover options tailored to suit you. Here’s a breakdown of what’s included:
Cabin Confinement Coverage
If you become sick and are forced to stay in your cabin on the ship, InsureandGo pays you £100 per day to a limit of £1,000. This will help you avoid a situation whereby you have lost some cash for those days you could not enjoy your holiday. This coverage is available provided you have to get your confinement confirmed with the ship’s medical officer.
Cruise Interruption Protection
Hiking can be halted by an unforeseeable medical challenge. If you need to go ashore for medical treatment then InsureandGo cruise insurance provides up to £1,000 to get back on the cruise at the next port or if needed for repatriation.
Compensation for Change of Itinerary
Many cruises may be changed in terms of the route depending on the weather conditions or some restrictions in the ports. If your voyage involves several ports, InsureandGo will pay up to £100 for missing each port, and this is not more than five ports. This benefit makes it possible to avoid losing money by not stopping when events occur that have not been planned for.
Missed Port Departure Coverage
It is very frustrating to get a late start and then, because of some unforeseen circumstances, fail to catch the ship before it sails. InsureandGo pays up to £1,000 so that you can join your cruise if you have missed the original sailing or any port stop due to the transport problems like delayed bus, train or car, or a car breakdown.
Refund for Unutilized Tours
Pre-arranged tours are available on cruises and it is annoying to miss them because of sickness or bad weather. For loss of bargain, Missed Excursion, InsureandGo offers up to £500 so you do not miss those special events you were much looking forward to.
Who Should Look for Cruise Travel Insurance?
Travel insurance for cruise is not only for the elderly or senior citizens but for anyone who is planning for a cruise. This kind of insurance is meant to cover you in different situations whether you are cruising the Mediterranean or Caribbean or even in a river cruise.
- First-time cruisers: To those who are new to cruising, having cruise specific insurance can help provide you with the confidence to truly enjoy your trip.
- Frequent travelers: Those who are intending to take more than one cruise in a year should think of taking cruise cover under the annual travel insurance policy.
- Older travelers: InsureandGo cruise insurance has no restriction on the age of the passenger, and it is perfect for retirees who take cruises frequently.
- Travelers with pre-existing conditions: If you have a medical condition InsureandGo policies include most major conditions and most do not attract an additional premium.
What’s Not Covered? About the Exclusions
Despite this, InsureandGo has many coverages and it is not all encompassing in the following ways. It’s important to understand these exclusions to avoid surprises:
- Pre-existing conditions not disclosed: It is important to report any pre-existing health condition when buying your policy.
- Events occurring before purchase: Any claims arising from occurrences that occurred before you purchased your cruise or insurance will not be paid out.
- Low-value claims: Any claims below the policy’s excess (say, £40 for an item when the baggage excess is £60) will not be paid.
How to Buy InsureandGo Cruise Travel Insurance?
- Get a Quote: First, give information about your trip and if you have any medical conditions before you get a quote.
- Choose Your Coverage Level: Choose the type of policy that suits you best – it may be a single trip or an annual multi trip policy.
- Add Cruise Cover: Be certain to include the cruise cover option to the travel insurance policy in order to be advised from the exclusive protection.
Cruise Travel with Confidence on Your Next Cruise
A cruise holiday is meant to be a relaxing, enlightening and fun experience. But there are times that something happens, such as missing the train, a medical condition, etc. That is why being protected by comprehensive cruise travel insurance is very important. When you travel with InsureandGo, you are assured that your cruise travel insurance covers you against the specific risks of cruise travel such as being locked inside a cabin or having your itinerary changed.
No matter if it is your first cruise or you are a regular cruiser, they have special policies for you at InsureandGo. Do not risk for the desired cruise – get the guarantee of a trouble-free cruise now and in the future.
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