![]() This will reimburse you for unused trip costs if your trip is cut short because of illness, injury, death, a family emergency back home or other reasons. Trip cancellation insurance reimburses you 100% for the pre-paid and non-refundable deposits you lose if you have to cancel for a reason covered by the policy. Here are good starting points for coverage you’ll likely want in a cruise insurance plan: Trip Cancellation Insurance This is especially true if you’re a senior traveler who wants a high level of medical coverage while traveling. Whether it’s your first voyage or you’re a cruise veteran, having the right travel insurance is important. You can also add items to your itinerary later-such as shore excursions-and then add them to your travel insurance coverage. 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. CFAR increases your travel insurance cost by about 50%. You must cancel at least 48 hours prior to your departure. This can include a pre-existing medical condition exclusion waiver or a “cancel for any reason” travel insurance (CFAR) upgrade, depending on the policy.ĬFAR allows you to recoup 50% or 75% of your forfeited, nonrefundable trip costs, depending on your policy. 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.īuying cruise insurance within the first two weeks or so of making your first trip deposit also qualifies you for additional coverage. One is that you can maximize the length of your trip cancellation coverage. ![]() You can buy cruise insurance from your cruise line, through a travel agent or from a travel insurance agent or company.Īlthough you can purchase a policy right up to your departure, there are advantages to buying travel insurance right after booking your trip. This means medical expenses related to pre-existing conditions that arise during your trip will be covered. You can also get a pre-existing medical condition exclusion waiver if you buy coverage within a certain period, usually within 14 to 21 days of your initial trip deposit. Typically, cruise insurance also provides a 24/7 hotline for travel emergencies. For example, the WaveCare plan from Berkshire Hathaway Travel Protection provides a flat $500 reimbursement for cruise disablement if you’re stuck on the ship for five hours or more without one of these: power, food, water or a restroom. Lost, stolen, damaged or delayed baggage and personal itemsĪ cruise travel insurance policy may also compensate you if your cruise ship is disabled and you’re stuck on board without power, food or water for a specified amount of time listed in your policy.$50,000/$250,000 per person (Medical is secondary coverage)Ĭruise insurance generally covers the following-up to your policy limits- if the expense is caused by a reason listed in your policy or not excluded from coverage: $50,000/$500,000 per person (Medical is primary coverage)
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