While soft navigation is always the goal, we often need to expect the unexpected. You can prepare taking a policy sure that you can compensate for your vacation in the sea do not leave as planned.
Do you need to cancel your trip at the last minute due to an accident or disease? Have your bags be delayed or lost? Do you need to get out of early navigation to take care of an emergency at home? Was there a mechanical problem with the ship that required an itinerary change, which made it lose its flight home?
All these contingencies and more can be covered; It is just a matter of finding the best insurance policy for you. Here we show you how to evaluate which plan is the right option for you, in addition to five of the best cruise travel insurance plans available.
The best cruise travel insurance plan will always be a third -party option
No plan will meet the needs of all cruise travelers, so there is little benefit to reserve the insurance option recommended by their cruise line during the reserve process other than convenience.
Third -party insurance companies generally offer more affordable rates, comprehensive coverage and favorable terms. It will have a wide variety of plans, so you can choose the one that works best for your situation.
Do you ask where it is the best place to buy third -party insurance?
“No comparison site is obtaining preferential offers,” says Stan Sandberg, co -founder of Travelinsurance.com. “The rates of insurance companies for specific policies and plans are the same anywhere.”
However, these insurance comparison sites can help you directly compare the price and coverage of multiple policies by a variety of favorite suppliers.
Look for the following coverage options and compare the coverage amounts to determine which third party plan is the best cruise insurance option for your next trip.
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Related: Cruise travel insurance: What covers and why need it
Travel cancellation
If an unexpected event forces him to cancel his cruise, he will want to receive a refund. Be sure to read the small print of your policy, detailing what specific reasons to cancel your trip are covered and not covered.
Travel interruption and travel delays
You will also want to be covered if problems occur after the trip begins. It is important to find “a plan that offers travel interruption if something happens during your trip, along with a plan that offers emergency medical evacuation, coverage for travel delays and lost connection benefits,” adds insurance expert Meghan Walch of Insuremytrip.
Related: What happens if you lose your cruise?
Cancel for any reason
An optional cancellation update for any of the season offers the greatest flexibility. If you cancel your trip for reasons that are not usually covered by travel insurance, you can get a refund of up to 75%. However, you are likely to add about 40% to your cousin, and you can only buy it within a limited time window after the purchase of your cruise.
Related: What happens if my cruise line changes my itinerary or boat?
Lost or delayed luggage
The luggage loss insurance covers your luggage if you lose, damage or steal during your trip. In the event that I do it on the cruise and its bags, the insurance agency can help locate and redirect the bags to its next port. It will also reimburse the items that you may have to buy to overcome your trips as long as you do not have your belongings and cover your losses in the event that the bag has really left forever.
Keep in mind that certain high -cost items, such as electronics, luxury watches and fine jewels, are not always covered by luggage loss insurance. Consider buying additional coverage for these items or, better yet, keep those items with you at all times.
Health coverage
Medical coverage is another consideration.
“The majority of domestic health coverage (including Medicare) does not cover trips abroad, so it is important to observe a travel insurance policy that offers medical coverage during your trip, if something happens,” says Walch. “If you get sick or injure during the trip, it can be quite expensive, even when you go to medical installation on board the ship.”
Related: How to avoid getting sick in a cruise
Hurricane coverage
The extreme climate and hurricanes are generally not covered if the cruise begins according to the programmed, although it can be eligible for travel interruption coverage if the weather cancels the cruise or the itinerary is shortened. Some insurance plans offer travel reimbursement if a destination on their itinerary is under an alert or warning of hurricanes issued by the national oceanic and atmospheric administration.
How much will cruise travel insurance cost?
The price of insurance depends on the cost of the trip and the age of insured travelers. Sandberg estimates that “30 or 40 -year -old travelers can cover stadium insurance somewhere from around 5% to 7% of travel costs, with rates that can reduce depending on the scope of coverage.”
Insurance is a staggered product that becomes more expensive as it ages.
“As it ages, that range can expand to 10% of travel costs,” says Sandberg. “Add bells and whistles, such as ‘cancel for any reason’ (coverage), rates can increase to 11% to 12% of the cost of their trip.”
Related: Is it worth travel insurance?
5 best cruise travel insurance plans
After an extensive research that seeks the small print, we have selected five of the best cruise insurance plans that will attract a variety of sea travelers.
For traveler Leisure: Travelsafe Classic Plan
The classic Travelsafe plan is the best general value for the average cruise, with coverage limits above a fair pace.
The coverage of this plan includes an impressive $ 1 million per person for medical evacuation and a high coverage limit of $ 2,500 for bag loss. He has extra time, 14 days, from his initial deposit to add an update of cancellation for any race to his plan. The medical coverage of accidents and diseases is primary, with a coverage of up to $ 100,000.
The maximum travel delay coverage of $ 2,000 (up to $ 150 per day) begins after a six -hour delay.
For the conscious cruise of the budget: Axa Assistance USA Silver
Axa’s silver plan is the company’s entry level offer, with more value -added benefits than most budget insurance options. The most notable is the company’s concierge service, which offers assistance before and during its trip, including pre -trip guides, visa requirements, transport information and restaurant recommendations.
Coverage under this plan includes the solid cancellation coverage and travel interruption, both 100% of the costs, together with $ 100,000 per person for emergency medical evacuation.
The Plan also offers identity theft assistance in case your wallet or passport is stolen while traveling, helping the presentation and obtaining of police and credit reports, inventory of lost or stolen items and even wiring emergency funds when it really is on a link.
You will not have the option to buy a cancellation complement for any race or opt for an exemption of collision damage in this lowest level plan.
For luxury cruise traveler: John Hancock Insurance Agency Gold Plan
John Hancock’s Gold Plan offers a robust medical and repatriation coverage of up to $ 1 million per person, ideal for those luxury cruises that are directed to the most acts in the world. The plan has an excellent loss loss coverage of up to $ 2,500 per person, plus a low minimum travel delay of three hours ($ 1,000 per person, with a daily limit of $ 200) benefit.
Pre -existing medical conditions are covered by this policy, although you must buy your policy within 14 days after your travel deposit.
For greater medical coverage: seven trips of travel protection option
Seven Corners’ Trip Protection Choice Plan offers main medical coverage for up to $ 500,000 in medical expenses of emergency and disease accidents, while many other plans only offer secondary coverage. The medical evacuation coverage of the plan is high in $ 1 million, and the pre -existing conditions are covered with some conditions that are applied, namely, which buys the policy within 20 days after the payment of its initial trip.
The coverage options in the plan can vary slightly depending on which the United States claim as their residence.
For adventure cruiser: world nomadic explorer plan
World Nomads is one of the few insurance companies that will cover more than 150 adventure activities on their trips, including skiing, diving, paratrooper and Bungee Salto. The coverage of the long list of activities includes emergency medical expenses while it is outside the US, medical evacuation and repatriation, and interruption of the trip.
The World Nomads explorer also offers $ 25,000 in coverage for non -medical emergency evacuation for covered events, such as a natural disaster or political or security situations.
Travelers of 70 years or more should add a silver nomadic policy, which is offered through the plot.
End
The cruise is not always a happy week that relaxes on the pool or diving cover between multicolored reefs. Mishaps occur, either losing luggage, losing a flight or getting sick.
The best cruise insurance policies are those that will not allow you to navigate without a safety network, charging a fraction of your travel expenses in exchange for the tranquility that there is a plan in case something goes wrong. With a variety of available price and coverage options, you can feel safe that you can find a policy to meet your travel needs.
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