All about Cruise Travel Insurance Cover
Introduction
Cruise travelling sounds exciting as well as carries a lot of risks associated with the sea travel. To batter the risks and circumstances associated with the cruise travel there is a special kind of travel insurance which can also be termed as Cruise Travel Insurance.
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Cruise Travel Insurance Cover usually covers various kinds of risks associated with the Cruise travel. It covers more than just basics of the insurances covered in other kinds of travels. It usually covers unique challenges and issues that come while travelling in a cruise.
Here's an in-depth look at what cruise travel insurance typically covers:
1. Trip Cancellation and Interruption Insurance:
- Trip Cancellation: If you cancel your trip due to any reasons like sickness, injury, family emergency, in such cases the cruise travel insurance reimburses you for the expenses which are usually covered under non-redeemable expenses.
- Interruption: If your trip gets cut short due to emergency reasons like weather conditions, war like conditions, natural calamities, in such cases cruise travel insurance reimburses you for the costs covered due to interruption.
- Time Issues: In case your trip gets cancelled due to conditions like mechanical problems or bankruptcy then, cruise travel insurance reimburses you for the costs which usually are non-refundable.
2. Medical Emergencies:
- Emergency Medical emergency: Cruise travel insurance usually covers the extreme medical emergencies while you are on the cruise and can provide for costs such as medical expenses, doctor visits and consultations and hospital costs.
- Emergency medical evacuation: In case even after providing the above facilities, there emerges a serious medical condition where a person needs an emergency evacuation to obtain other medical facilities, in such case cruise travel insurance reimburses you for the costs incurred during such evacuation.
- Pre-Existing Medical conditions: There are many Cruise Travels which offer insurance cover for certain kinds of pre- existing medical conditions provided you meet certain criteria as listed by them.(Note: One needs to be alert while reading the terms and conditions for this kinds of insurance covers).
- Emergency Assistance Service: Majority of cruises provide for emergency assistance services 24/7. These type of services usually relate to medical emergencies, travel arrangement and such other emergencies.
3. Lost or Delayed Baggage:
- Lost Baggage: In case your baggage is lost while you are on a trip on the cruise, then, cruise travel insurance reimburses you for such losses.
- Theft: In case your baggage is stolen/theft occurs while you are on a trip on the cruise, then, cruise travel insurance reimburses you for such losses.
- Damage: In case your baggage is damaged during or after transit while you are on a trip on the cruise, then, cruise travel insurance reimburses you for such damages.
- Delayed Baggage: In case your baggage is delayed due to certain circustances while you are on a trip on the cruise, then, cruise travel insurance reimburses you for such delayed baggage.
- Personal Belongings Coverage: In case your personal belongings are lost/stolen/damaged/misplaced while you are on a trip on the cruise, then, cruise travel insurance reimburses you for such losses.
4. Specific Coverage:
- Itinerary Changes: In case if there are any changes in the route of the trip opted for due to weather conditions, war like conditions, natural calamities, mechanical problems or bankruptcy then, cruise travel insurance reimburses you for such losses.
- Service Disruptions: Certain cruise policies provide for expenses covered during the service disruptions conditions like change in accommodation, missed port stays, or quality related issues.
- Financial Defaults: : Certain cruise policies provide for expenses such as financial defaults, failure to honour the financial commitments, bankruptcy, then one may be provided for non-refundable expenses incurred.
5. Optional Coverage:
- Adventure Activities: In case you wish to indulge in adventure activities such as snorkelling, scuba diving, or excursions cruise policies provide for such adventure activity expenses.
Conclusion
Cruise Travel insurance takes care of all the risks and conditions associated with the cruise travel. Cruise Travel insurance gives an assurance that all the risks are covered and met with during your travel.
With the introduction of cruise travel insurances, one gets relaxed and enjoys the trip well without any thoughts of bearing the risks associated with the cruise travel.
One must yet stay alert and cautious and go thoroughly through the terms and conditions laid down in the cruise travel insurance and only then agree to the same.
