Holiday Insurance for Cruises

Buying holiday insurance for cruises is convenient. In most of the cases cruise insurance is included in the total cost of the cruise. But if you want it removed from the total cost, you can request your cruise line to do the same and have it removed. One of the popular reasons why people buy cruise line insurance is to cover for cancellation charges that are levied upon them should they cancel a

trip. But the cancellation charges are standard and almost the same charge is deducted irrespective of whether you were setting off for a 10 day cruise or a 5 day cruise.

Cruise travel insurance is more likely to exclude coverage for flight cancellation, flight delays, car rentals, and cancellation of hotel bookings. It will only include compensation for what you have invested in making cruise bookings if you have to cancel the trip. So, you cannot request your cruise liner to reduce charges and treat your cancellation procedures differently.

Third party holiday insurance for cruises

Third party cruise insurance is better as it offers ample opportunity for customization. In other words, it is more flexible as compared to the insurance policies offered by cruise lines. There are certain factors that determine the flexibility of premiums. Some of these factors are –

Age of passengers

Dollar amount you want to be compensated for

Reasons for cancellation of trip

If you want additional coverage at no extra cost, you can buy travel insurance for cruises as soon as you make bookings with your cruise liner.

Depending on circumstances, you may also be offered extended coverage. This extended coverage can sometimes help you to enjoy additional compensation amount in event of medical emergency or repatriation.

How to buy holiday insurance for cruises

Owing to the World Wide Web, buying any type of insurance has become very easy these days. You need to fill up an online form, fill in details and request for a quote.

Take into account all the ports of call you are halting at. The premium amount is different for round trip boat trips and cruise trips. So, plan your trip accordingly.

If you are planning to set off on a number of trips in a single year, it is better to buy permanent cruise travel insurance.

Evaluate the budget of your trip and try to assess the value of the items you are carrying. In this way you will be able to know how much you actually need to insure.

Shop online. Online shopping for cruise holiday insurance is best as you are in a position to compare rates and settle for the ones that suit your budget and also offer adequate protection.

Popular companies offering holiday insurance for cruises

Essential Travel and Columbus are 2 popular companies offering cruise travel insurance. Names of other companies are given below –

Insurewithease.com
Liverpool Victoria
Direct Travel Insurance
Club Direct
Elect Travel Insurance
All Clear Travel Insurance

Latest Updated on 30/12/2010