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Source: bing.comGoing on a cruise is an exciting experience. You get to visit different places, meet new people and have fun on board. However, unexpected events can happen, and that’s where travel protection comes in. Travel protection is a type of insurance that covers you in case something goes wrong during your trip. Norwegian Cruise Line (NCL) offers an Essentials Travel Protection plan that you can purchase before your cruise. In this article, we’ll discuss everything you need to know about NCL’s Essentials Travel Protection plan.
What is NCL’s Essentials Travel Protection Plan?
NCL’s Essentials Travel Protection plan is a comprehensive travel insurance plan that covers you from the time you leave your home until you return. It includes coverage for trip cancellation, trip interruption, trip delay, medical expenses, emergency medical evacuation, baggage loss, and more. The plan is underwritten by Nationwide Mutual Insurance Company and its affiliates.
What Does NCL’s Essentials Travel Protection Plan Cover?
The Essentials Travel Protection plan covers the following:
| Coverage | Limit |
|---|---|
| Trip Cancellation | Up to 100% of Trip Cost |
| Trip Interruption | Up to 150% of Trip Cost |
| Trip Delay | Up to $500 |
| Medical Expenses | $20,000 |
| Emergency Medical Evacuation | $50,000 |
| Baggage Loss | $1,500 |
| Baggage Delay | $500 |
| 24-Hour Emergency Assistance | N/A |
What is Not Covered by NCL’s Essentials Travel Protection Plan?
While NCL’s Essentials Travel Protection plan offers comprehensive coverage, there are some exclusions. The following are not covered:
- Pre-existing conditions
- Mental or nervous disorders
- War or acts of war
- Terrorism
- Participation in a professional or semi-professional sport
- Illegal activities
- Pregnancy or childbirth within 12 weeks of the trip
How Much Does NCL’s Essentials Travel Protection Plan Cost?
The cost of NCL’s Essentials Travel Protection plan varies depending on the length of your trip and the total cost of your cruise. Generally, the cost is around 10% of the total trip cost. For example, if your cruise costs $1,000, the travel protection plan would cost around $100. It’s important to note that the cost is non-refundable and must be paid in full at the time of purchase.
How Do I Purchase NCL’s Essentials Travel Protection Plan?
You can purchase NCL’s Essentials Travel Protection plan when you book your cruise. To purchase the plan, simply add it to your cart during the booking process. You will need to provide some basic information about yourself and your trip. Once you’ve purchased the plan, you will receive a certificate of insurance via email.
Is NCL’s Essentials Travel Protection Plan Worth It?
Whether or not NCL’s Essentials Travel Protection plan is worth it depends on your individual circumstances. If you have a pre-existing medical condition or are traveling during hurricane season, the plan may be worth the investment. Additionally, if you have a long and expensive trip, the plan can provide peace of mind knowing that you’re covered in case something goes wrong. However, if you’re traveling on a budget and are comfortable taking some risks, you may want to skip the travel protection plan.
Conclusion
Travel protection is an important consideration when going on a cruise. NCL’s Essentials Travel Protection plan offers comprehensive coverage for a reasonable price. However, it’s important to carefully read the policy and understand what is and isn’t covered before making a purchase. Ultimately, the decision to purchase travel protection is a personal one that depends on your individual circumstances and comfort level with risk.
FAQ
Q: Can I purchase NCL’s Essentials Travel Protection plan after I’ve booked my cruise?
A: Yes, you can purchase NCL’s Essentials Travel Protection plan up to 24 hours before your cruise departs.
Q: What happens if I need to cancel my cruise?
A: If you need to cancel your cruise for a covered reason, you may be eligible for a refund of up to 100% of the trip cost.
Q: What if my luggage is lost or delayed?
A: If your luggage is lost or delayed for more than 24 hours, you may be eligible for reimbursement of up to $1,500.
Q: Can I get a refund for NCL’s Essentials Travel Protection plan?
A: No, the cost of the plan is non-refundable.