Cruise ships may be some of the most fun places to travel, but they can also be some of the most dangerous. If you’re thinking about taking a cruise vacation, it might be time to look into getting cruise travel insurance to cover the trip and protect your belongings in case of disaster or injury on your trip. Learn more about the ins and outs of cruise travel insurance in this informative article from Frugal Living Experts.
There is always an exception
Cruise travel insurance is one of those things that you may not think you need, but it can really come in handy if something goes wrong. Most people don’t realize that their regular health insurance may not cover them while they’re on a cruise, so it’s important to have a backup plan.
Considerations for seniors in Cruise Travel Insurance
If you’re a senior citizen considering a cruise, travel insurance is always worth considering. Here are a few things to keep in mind
Which level of coverage do you need?
The type of coverage you need depends on the cruise line you’re sailing with, the length of your cruise, and your destination. For example, if you’re sailing with a major cruise line to a popular destination, you may only need basic medical coverage. But if you’re sailing with a smaller cruise line to a less developed country, you may need more comprehensive coverage.
Don’t forget your everyday health problems
Whether you’re worried about contracting an illness while on your cruise or experiencing a medical emergency, travel insurance can give you peace of mind. And, if you have a pre-existing condition, getting travel insurance is even more important.
Emergency Medical Evacuation
An emergency medical evacuation is when you need to be transported to a medical facility via ambulance, helicopter, or private jet due to a medical emergency. If you’re considering a cruise, you may be wondering if travel insurance that includes emergency medical evacuation coverage is worth the cost.
Trip Interruption and Cancellation coverage
If your cruise is canceled or interrupted for a covered reason, like severe weather, you may be reimbursed for prepaid, non-refundable expenses. This can include things like airfare and hotels. Plus, if you have to cancel your trip for a covered reason, you may get back any money you’ve already spent on the cruise.
Pre-existing medical conditions aren’t usually covered
While some cruise travel insurance policies will cover pre-existing medical conditions, it’s important to remember that most policies will not. This means that if you have a pre-existing condition and something happens on your cruise that is related to that condition, your insurance likely won’t cover it.
What if I can’t reach my Travel Agent?
If you’re unable to reach your travel agent, there are a few things you can do to get in touch with them. First, try contacting their office directly. If you’re still unable to get ahold of them, try reaching out to their company’s customer service department. Finally, if all else fails, you can always file a complaint with the Better Business Bureau.