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Bookmark these resources to help you make smart money moves as you shop for cruise travel insurance. Travel Guard by AIG offers a basic Essential plan for $133, just a little higher than average, but adding coverage may raise that price. Review your policy to be sure the plan you’re buying will cover your adventurous fun. If it doesn’t, ask about an adventure sports add-on, or consider a company such as World Nomads that caters to the adventurous traveler. 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.
Getting evacuated for a medical condition is expensive
It is important to note that regardless of mandates for proof of a negative COVID-19 test, the cost of the tests themselves are not covered by travel insurance. Only tests ordered by a physician to diagnose and thus treat COVID-19 would be covered, provided your policy covers illness from coronavirus. Lost/Stolen Luggage – Most of the time lost or stolen luggage isn’t so much about the money as the pain of having to replace everything. Even so, cruise insurance should provide some reimbursement expense for your loss, taking some of the sting out of losing your bags. Understand that most times this coverage has special limits for things like laptops or electronics that may not fully replace the lost item. The policy also offers detailed, robust COVID-19 coverage, including reimbursement for medical care if you contract COVID-19 while traveling.
Best Cruise Insurance Plans Of April 2024
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For insured guests who upgrade to BookSafe Platinum Travel Protection, emergency medical transportation coverage is increased to $50,000. If your home is made uninhabitable due to fire, flood, volcano, earthquake, hurricane or other natural disaster, the plan provides Trip Cancellation/Interruption coverage should you need to cancel or interrupt your trip. If “acts of God” such as inclement weather occur and you are delayed in starting your trip, the plan reimburses up to $500 under Trip Delay for additional meals, lodging and transportation expenses to catch up to your cruise. You don’t need a travel insurance plan that’s specifically for cruises.
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Look for the following coverage options and compare coverage amounts to determine which third-party plan is the best cruise insurance option for your upcoming trip. You'll often find more affordable rates, comprehensive coverage and favorable terms utilizing third-party insurance companies. You'll have a wide choice of plans, so you can pick the one that works the best for your situation. It’s relatively simple to get alternative travel insurance options for your Norwegian Cruise. At Cruise Insurance 101, give us your travel details, and we share them anonymously with our Travel Insurance Carriers.
NCL Cancellation Protection – Work
Even a low-cost weekend getaway on a cruise to the Bahamas out of Miami can turn costly if you suffer a serious accident or illness requiring medical treatment or an emergency medical evacuation. When it comes to buying travel insurance, don't worry if you've paid for your cruise but haven't yet purchased your airline tickets. You can estimate the airfare cost when buying your travel insurance and then give your provider your exact travel itinerary once those tickets are booked. Likewise, if you're arranging your plane tickets first, buy your travel insurance within two weeks of that purchase, and enter your full cruise fare, even if you have not purchased it or have only paid the deposit. If your plans include the rental of a vehicle, car-rental collision coverage can be useful. One caveat is most policies will only cover cars, not trucks or even vans, so be sure to read the fine print or call your insurance provider for clarification before you reserve your rental vehicle.
TravelSafe Insurance
You will get a credit to be used for future cruises, which is a pretty good substitute. Please note, the BookSafe and Essentials travel protection plans are only available to residents of the 50 United States. Should you need to file a claim and you have purchased BookSafe, contact Aon for a claim form. Aon will advise of the documentation required along with your completed claim form.
Travel Insurance Resources
This addendum allows you to cancel your trip and receive reimbursement, no matter why. Some policies allow you to add coverage to your insurance that allow more flexibility and benefits. Also, it’s important to understand that your benefits are less any refunds you might receive otherwise. So if your cruise is cancelled and the cruise line refunds your fare, you won’t be able to claim the cruise fare as a loss. We receive a small commission if you buy travel insurance through the links included in this article, at no cost to you. TravelSafe's Classic Plan is the best value all-around for the average cruiser, with superior coverage limits at a fair rate.
You might not be covered by regular medical insurance while cruising
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. These events happen rarely, which is why travel insurance policies include basic trip cancellation coverage for little cost.
Norwegian Cruise Travel Insurance
Not all policies offer pre-existing coverage, but among those that do, each insurer dictates its own coverage window. The deadline is usually 10 to 15 days after making that final payment -- or after booking your airfare, if you do that first. As the phrase suggests, you can cancel your trip for any reason (such as concern over traveling to a particular area due to political unrest or disease outbreaks) -- a luxury normal insurance policies won't allow. Most insurers require this policy add-on be purchased between 14 and 21 days following your final cruise payment. AIG offers policies with an option to name your own family member whose illness would count as a reason for cancelling a trip.
No, we do not currently have any restrictions or limitations for guests with pre-existing health conditions. All guests should assess their individual risk level and consult with their doctor if needed prior to sailing. Local regulations may have booster requirements to enter certain countries – make sure to check Travel Requirements by Country to understand country specific requirements. With Sail Safe, our industry leading Health & Safety Program, we will continue to put our guests and our crew members first by keeping everyone safe and healthy on board our ships and in the communities we visit. Here’s a closer look at our five recommendations for cruise insurance and what makes them unique.
"Adding bells and whistles, like 'cancel for any reason' [coverage], rates can rise to 11% to 12% of the cost of your trip." As we get towards the check-out page, we are encouraged to buy Norwegian Cruise Travel Insurance. We are offered not one, but two cruise travel insurance options – ‘Platinum’ and ‘Standard’. BookSafe reimburses up to $20,000 in medical expenses for an illness or injury that occurs during your trip. Benefits are provided for up to one year from the date of your illness, injury and are secondary to any primary and/or supplemental medical insurance you may have.
All reputable insurance companies will offer a "free-look period" during which you can receive a 100% refund on your premium. This allows you to review the policy you've selected and return it for any reason within the period allotted — usually for a small administration fee of less than $10. Travel insurance giant Allianz Global Assistance reports that 53% of all cruise-related "billing reasons" for claims are because of illness for the insured person, while 14% are for an injury. Another 8% are for the illness of a family member, 4% for the death of a family member and 4% for the illness of a traveling companion, among other reasons. You might need to cancel a cruise in advance due to the sudden onset of an illness, such as COVID-19 or the flu.
Read the fine print to find out the deadline to purchase and the specifics of its coverage. Emergency Medical – If you’re worried about getting sick or injured while on your cruise, then know that most plans offer emergency medical coverage. Trip Interruption – Similar to trip cancellation, this coverage pays you for an interruption for specific reasons like the ones mentioned above after your trip has already started or when travel is delayed.
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. Whether you buy travel insurance is a personal decision that will depend on many factors. Would you be willing to absorb the loss of canceling a cruise on short notice due to an illness or accident? Could you afford an evacuation flight from a far-off port if you suddenly became seriously ill? You can receive a quote and purchase a policy online in minutes with any credit card. Although you may think travel insurance should code as "travel" when paid on a credit card and thus be eligible for bonus points on certain cards, that isn't always the case.
It also has very good trip interruption and hurricane and weather coverage at a competitive price. 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. Under normal circumstances, you don't need to purchase a so-called "cancel for any reason" add-on to your cruise travel insurance policy unless you really need the flexibility. Also, financial default may not be a covered event in a cruise line-sold policy, but it's typically covered with plans from third-party travel insurance companies. If you want to be covered for pre-existing medical conditions, you should buy insurance at the time you make your final cruise payment.
An illness, an accident or an unexpected situation can arise before or during any type of vacation. Such an event might cause you to cut short your cruise or cause your trip to be canceled altogether. Unfortunately, most cruise lines impose penalties for canceling a cruise, up to and including loss of the entire cruise price. We have also enhanced our onboard medical capabilities with additional staffing and enhanced facilities.
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