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Going on a cruise can be a fantastic experience, but it is important to be prepared for any eventuality. One way to do this is by taking out travel insurance specifically designed for cruises. In this article, we will explore the various options for cruise travel insurance in the UK.
What is Cruise Travel Insurance?
Cruise travel insurance is a type of travel insurance that is designed to cover you specifically when you are on a cruise. This type of insurance will typically cover things like missed port departures, cabin confinement, and emergency medical treatment while at sea. It will also provide cover for things like trip cancellation, lost luggage, and other standard travel insurance benefits.
Why do I need Cruise Travel Insurance?
While it is not compulsory to have cruise travel insurance, it is highly recommended. There are a number of reasons why this is the case. Firstly, standard travel insurance may not cover you for everything that can go wrong on a cruise. Secondly, the cost of medical treatment on a cruise can be very expensive, and without insurance, you could be left with a hefty bill.
What does Cruise Travel Insurance cover?
The exact coverage provided by cruise travel insurance will vary depending on the policy and the provider. However, some of the things that may be covered include:
- Missed port departures
- Cabin confinement
- Medical treatment at sea
- Trip cancellation
- Lost or stolen luggage
- Emergency evacuation
How much does Cruise Travel Insurance cost?
The cost of cruise travel insurance will depend on a number of factors, including your age, the length of your cruise, and the level of cover that you require. However, as a rough guide, you can expect to pay between 5-10% of the total cost of your cruise for insurance.
Where can I buy Cruise Travel Insurance?
There are a number of providers of cruise travel insurance in the UK. Some of the most popular include:
- Staysure
- Aviva
- Direct Line
- Allianz Global Assistance
- LV=
You can also compare policies from different providers using price comparison websites like GoCompare and MoneySuperMarket.
Conclusion
If you are planning a cruise, taking out travel insurance specifically designed for cruises is highly recommended. This will ensure that you are covered for all eventualities while at sea, giving you peace of mind and allowing you to enjoy your holiday to the fullest.
FAQs
Do I need cruise travel insurance if I already have standard travel insurance?
While standard travel insurance will provide some coverage while on a cruise, there may be specific things that are not covered. It is important to check the policy carefully, and consider taking out additional cruise travel insurance if necessary.
Can I buy cruise travel insurance for a one-way cruise?
Yes, you can buy cruise travel insurance for a one-way cruise. However, you will need to make sure that the policy covers the entire duration of your trip and any countries that you will be visiting.
What happens if I need medical treatment on a cruise?
If you need medical treatment while on a cruise, you should contact the ship’s medical centre immediately. If the ship’s doctor is unable to provide adequate treatment, you may need to be evacuated to a hospital on land. This will be covered by your cruise travel insurance, provided that you have taken out adequate cover.
What is cabin confinement, and when is it covered?
Cabin confinement is when you are unable to leave your cabin due to illness or injury. This may be covered by cruise travel insurance, but you will need to check the policy carefully to make sure.
Can I cancel my cruise if I become ill or injured?
Yes, you can cancel your cruise if you become ill or injured. However, you will need to have taken out adequate cruise travel insurance to be able to claim for any costs associated with cancellation.