Is Cruise Insurance Right For You?

You know how excited you are before a cruise – seeing new places and experiencing that great combination of relaxation and exploration?  Once you have finished all your preparations, you get a call from a cruise representative (or even a friend) suggesting that you purchase cruise insurance. Should you?  Let’s take a look at how to make that decision.

First,  consider  how you view risk.  This varies widely between people. Since  these occurrences are not the norm, ask yourself:  Does my need for security override my desire to pay for unlikely possibilities?   Some of the risks to consider are medical emergencies, unexpected weather and transportation problems( cancelled flights for example)?  

Next, consider the cost of cruise insurance as well at the extent of coverage.  Generally it includes medical emergencies and cancelled flights. Cruise lines differ on other covered items.  You should find out -ask the insurance company and read the information spelling it out!  Usually they do not cover disease outbreaks (such as covid), bad weather (excluding hurricanes), and changes to the cruise itinerary.  Frequently  it will not cover air travel purchased with frequent flyer miles or rewards programs.  Costs can vary due to the length of the cruise, pre-existing conditions and your age (often over 70).

Cruise lines will encourage you to purchase insurance through them.  Check outside agencies and compare cost and coverage.  Ask your travel advisor for suggestions –  they are knowledgeable about the different agencies.  If you travel frequently consider buying a policy that will protect ALL of your trips for a set period of time (often a year).  This can be less expensive than purchasing separate insurance on each trip.

Regardless of the decision you make–HAVE FUN!