One of the best times of the year for many people is when they finally find the time to take a vacation. Not only are vacations often expensive, but people also have to use their hard-earned vacation days. That means that consumers should be very focused on doing everything they can to plan the logistics of their vacation ahead of time, so they can relax when it actually comes time for a vacation. If you are going on a cruise, that means purchasing a cruise insurance policy. Here are a few things to keep in mind when considering a cruise insurance policy.
First off, let’s start with what makes a cruise insurance policy different from a standard travel insurance policy. While every policy is different, most cruise insurance policies also include a hefty amount of medical protection.
Think about it, if you are stuck at sea and suddenly have a medical emergency, you might have to be flown out to a hospital, which is incredibly expensive. According to Forbes, “…an air ambulance from popular cruising destinations, like Mexico or the Caribbean, back to the U.S. due to a serious medical issue can cost up to $20,000 or more without travel insurance.” A proper cruise insurance policy will include an ample amount of medical coverage, so you know you won’t have to go broke should an accident occur.
Cruises are always more likely to get canceled or delayed due to weather-related events. If that happens and you don’t have a proper insurance policy, you could still be on the hook for the full cost of a vacation that you never even got to go on.
Many consumers become confused if their insurer doesn’t offer a policy with a “cruise” in the title. Keep an eye out for policies with names such as “travel insurance with medical”; policies like that offer the same kind of coverage, insurers are just using a different name for the product.
Traveling internationally can be an incredibly rewarding experience, but it can also be a devastatingly expensive one if you don’t plan properly. If you are considering a cruise, consider the extra challenges and dangers that come with being out at sea. Protect yourself, and your wallet, with a proper cruise insurance policy.
To learn more about your current policy, or to inquire about a new one, ask the staff at TGS Insurance.