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Reasons Why You Need Travel Insurance When Going on a Cruise

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Published on November 8, 2021. EST READ TIME: 3 minutes

Introduction

Going on a cruise is an adventurous way of exploring the exotic locations in the world. Cruising takes you to multiple destinations and can be a unique experience for most passengers. There is a wide variety of things that you can do while on the cruise, like enjoying movies, watching the sunset from the sea, playing games, stage performances, aqua shows, etc. While there is a lot that can be done when onboard, there is a lot you need to think about while planning a cruise. From last-minute family emergencies leading to trip cancellations, sea-sickness, weather issues to accidental drowning, several uncertainties are there when you are on the cruise. Buying travel insurance is your best bet to deal with the expenses arising because of such unexpected circumstances. Travel insurance is a tool that provides you with financial security and coverage against a variety of risks associated with travel.

Reasons to Buy Travel Insurance When Going On a Cruise

No matter the reason for your travel, it is prudent to have travel insurance to help you deal with a list of uncertainties. Here is a list of the common risks while on a cruise that are covered under travel insurance.

• Trip cancellation -

Whether you are planning to travel alone or going for a romantic cruise or a family vacation, a cruise is an expensive affair. Imagine that you are all set to sail and suddenly that the trip has to be cancelled due to some unavoidable family emergency. The amount of expense that you have to bear out-of-pocket would be immense as most of the cruise lines are unwilling to give refunds. That is where having travel insurance comes to your aid as most insurance policies provide coverage against cancellations and delays.

• Luggage loss or delay -

Loss of luggage or delay when flying is more common as compared to a cruise trip. While it does not happen often, it is always better to be safe than sorry. Sometimes the luggage can be misrouted and end up somewhere it was not intended to be sent. While the luggage can be recovered in a few days, the time without luggage can be stressful. Travel insurance can provide you cover for lost items and give reimbursements for the items purchased to replace missing items or when waiting for the luggage to be recovered.

• Missed cruise -

Cruise lines have a strict travel schedule they adhere to and if you miss the boat, you end up incurring expenses. Travel insurance comes to your aid if you happen to miss the cruise for a whole host of reasons. Whether it is a last-minute traffic jam, flight delays, an accident on your way to the port, or any incident that leads to the delay, travel insurance can help you in such scenarios.

• Sickness while on a cruise -

Stuck on a cruise with a medical emergency is the last thing you need while enjoying your journey. But life is unpredictable and it always helps to be prepared. Medical facilities on the cruise can be helpful to a certain extent but in case of medical emergencies that need intensive care, facilities provided on the cruise might not be sufficient. In such scenarios, you might require emergency evacuation and repatriation which can happen only via airlifting. The expenses incurred in the process of evacuation can cost you a fortune. Having adequate travel insurance cover provides you with the cover in such situations and saves you from sky-high expenses.

• Emergency assistance -

Travel insurance provides emergency assistance in case you need medical, financial, legal, or travel assistance when on a cruise.

• Misplaced/lost documents, cards, valuables -

Cruise travel is meant for relaxation but sometimes it can lead to anxiety. Loss of important documents such as a visa or passport, losing your credit or debit cards or valuables can be the reason for stress. Travel insurance can aid in obtaining duplicates of lost documents and save you from all the stress so that you enjoy your journey with peace of mind.

Conclusion

In a nutshell, if you want your cruise trip to be a smooth sailing experience, travel insurance is what you need. Adequate travel insurance provides financial support to save you from unexpected expenses and to ensure reimbursements in case you miss the cruise or the trip is cancelled. Travel insurance provides cover for a wide variety of risks associated with a cruise holiday so that you can have a worry-free trip.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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