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Cruise Lines impose strict penalties for cancellations within specified time
periods prior to a cruise. Most Cruise Lines offer their passengers
some form of Travel Insurance designed to protect your cruise investment in
the event of certain unexpected situations that would cause you to have to
cancel your vacation..
About Travel Insurance
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In general, Travel Insurance will allow you to get a refund
on the money you paid for a cruise in the event that you need to cancel the
cruise due to certain situations.
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Situations that are typically covered by Travel Insurance
include a covered injury, illness or death affecting you, your immediate
family, or your traveling companion. A physician's certificate will be
required.
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If you would have to cancel your cruise for any other
reason, you would not be covered under the Travel Insurance and would not be
reimbursed.
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Most policies also provide coverage for lost baggage,
emergency medical expense during your vacation, and emergency evacuation
expenses to transport you to a medical facility or return home.
How Much Does It Cost?
The cost of Travel Insurance is based on the length of your
cruise and varies from one Cruise Line to another. As a guideline, you
can expect to pay the following:
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$40 per person for a 3-day cruise
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$60 per person for a 5-day cruise
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$100 per person for a 7-day cruise
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$150 per person for a cruise of 10 days or more
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What If I Don't Buy Travel
Insurance?
Most Cruise Lines impose penalties for canceling a cruise
within 60-75 days of the departure date. A few cruise lines penalize
for cancellations a far as 90-120 days in advance of your cruise. If
you don't have Travel Insurance and have to cancel your cruise, you will
lose all, or a portion of, the money you paid for the cruise.
Should I Buy Travel Insurance or
Not?
The decision on whether or not to purchase Travel
Insurance is a personal one that you must make based on your own situation.
Consider these variables, then decide for yourself.
| How much have you invested in your cruise versus
the cost of the insurance? |
| What is your risk of personal or family medical
emergencies? |
| Do you have homeowner's insurance that would
provide coverage for lost luggage: |
| Do you have medical insurance that would cover
medical expenses while on vacation? |
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