You’ve just booked your next cruise, checked the weather forecast and are starting to think about what clothes you’ll need but what about insurance? It’s not the most exciting part of a holiday but it could potentially save you a lot of money if something goes wrong.
If it’s a cruise holiday you’ll need to take out separate insurance and therefore it’s more important than ever to make sure you have the right cover in place as soon as you’ve booked your holiday.
This is because if something happens, such as you or a family member falling ill, or the holiday company you’ve booked with going bust, you’ll be covered for any money you’ve already paid out.
What is cruise insurance?
As cruise holidays work different to most standard holidays, they need a different type of insurance.
Usually on a cruise you’ll be visiting several different countries, there may be a number of specific activities included, and there is a reduced access to medical services as you’ll usually need to be flown to the nearest hospital if you have a serious illness.
The holiday is also longer than most standard trips and as most standard annual travel insurance policies only cover people for around 55 days a year for holidays abroad, you need specialist insurance for cruise trips.
Cruise insurance is designed to cover all of these things, as well as including extras such as missed port departures or itinerary changes.
Can I get cruise insurance if I have pre-existing medical conditions?
As with any type of insurance, it’s important you tell the insurer about any medical conditions you already have when you buy the insurance.
This is because if you don’t, and then something happens to you while you’re away which is related to that illness, you may not be able to claim on your insurance for the treatment. This can end up being extremely costly as foreign medical bills can often run into the hundreds and thousands.
Typically those who go on cruise holidays are older and therefore there is usually not an upper age limit for this type of insurance. However, it’s always worth checking the price from a few different insurers before you buy to make sure you’re not getting ripped off because of your age.
How can I cut the cost?
One of the quickest ways to check the price of cruise insurance is by using a comparison website as they will list all the available options for you.
Always check what’s included with each policy, including the activities you’ll be covered for, the length of time, and the countries you’ll be visiting.
Also pay attention to the medical cover limits, as this is one of the most important areas you may need if you do make a claim.
If you want to lower the overall cost, you could set your excess at a higher rate, but be aware that you will still need to pay this amount if you do end up making a claim.
If you’re struggling to find cover, or the quotes you’re being given are extremely high, the British Insurance Brokers’ Association (BIBA) has a free tool which can connect you with an insurance broker who can provide you with a list of specialist insurers.