If you have ever dreamed of seeing the world, you have probably thought about taking a cruise ship to your desired destinations. Cruises are a fuss-free option, compared to taking an aeroplane. There are no long queues, you get to enjoy the crisp ocean breeze and there are tonnes of activities to do on board. The best part is that your accommodations is the same all throughout the trip.
Choosing Cruise travel insurance
However, just like any trip must-have, you need to invest in travel insurance. Luckily, there are a wide range of cruise travel insurance policies to fit your budget. So to start, consider how much you are willing to pay for premiums. The amount should be within the affordable range, as you need to pay for certain things during your trip, including transportation and shopping expenses at the ports that the ship docks at. Other important considerations should be your health history, age and the length of your cruise trip.
How do I get a good deal?
This should be a policy with worldwide coverage, these may or may not include trips to the USA. Each policy provides you with a maximum amount of days, with the range of 94 to 730 days. However, a few companies may offer an unlimited number of days. The smart traveller think about whether a trip will usually last for less than 6 months. Is it likely that he or she will take two trips in one year> Therefore, this person will choose a plan that does not exceed the 6-month coverage if he or she wants to enjoy a policy with lower premiums.
Cruise insurance includes the basics, like delay and cancellation, accident and liability, baggage cover and medical insurance. Most companies offer policies that provide high medical insurance covers, to the point that some promise unlimited coverage. Understand how much you will need based on your medical history. If you are a relatively healthy individual with no severe health problems, you can choose a plan that offers minimal coverage. However, older individuals should splurge on plans that offer higher medical coverage, especially if they have pre-existing medical conditions. Please note that applicants over 65 years of age are typically charged with higher premiums.
If you are looking for a great deal, opt to apply for your policy online. Many reputable companies will offer online discounts that range between 10 – 20%. It would be best to apply for this type of insurance after you have got your tickets. This will allow you to get the most accurate quote, as you will be asked for your departure and arrival dates.
Going on a cruise trip should be part of every person’s bucket list. Seeing new destinations for the first time is a gratifying experience, especially when you travel by sea. Cruises allow you to mingle with new people and make new connections. Since this is typically a lengthy voyage, it would be best to invest in a policy that will provide you with the security that you need.