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Whether it’s your first voyage or you’re a cruise veteran, having the right travel insurance is important. This is especially true if you’re a senior traveler who wants a high level of medical coverage while traveling.
Here are good starting points for coverage you’ll likely want in a cruise insurance plan:
Trip cancellation travel insurance
Trip cancellation insurance reimburses you 100% for the pre-paid and non-refundable deposits you lose if you have to cancel for a reason covered by the policy.
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Trip interruption coverage
This will reimburse you for unused trip costs if your trip is cut short because of illness, injury, death, a family emergency back home or other reasons. Trip interruption insurance can also pay for the extra expenses of a trip interruption, such as a one-way plane ticket home on short notice. The reason for the interruption has to be listed in the policy.
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Emergency medical expenses
This pays for medical expenses associated with injuries and illness you get while on the trip. The top travel insurance plans have $500,000 in travel medical insurance, but you might find $150,000 to be sufficient for a cruise. If you’re a senior, good travel medical coverage is crucial.
U.S. health plans may have very limited or no coverage when you’re outside the U.S. And Medicare doesn’t cover medical care outside the U.S., with only very narrow exceptions.
Watch more videos on the same topic : Everything about Travel Insurance for Your Cruise
Travel insurance isn’t exciting, but you may get pretty worked up if you need it and don’t have it. Many cruisers have opinions on whether they need insurance without really understanding what is or isn’t covered. The right insurance policy for you depends on what you’re insuring against, what existing coverage you have, and what policies already protect you. In this video we talk about what to consider, things to watch out for, and explain how you can shop for trip insurance for your next cruise.nnWant someone to help walk you through travel insurance, find the best cruise for you, and maybe even save you money? Travel smarter by getting help from TouringPlans Travel: https://cruisehabit.com/touringplansnn🔗Relevant Links🔗nnHow to Pick the Right Travel Insurance Policy for Your Next Cruise ➡️nhttps://www.cruisehabit.com/how-pick-right-travel-insurance-policy-your-next-cruisennTips on Cruising During Hurricane Season ➡️nhttps://cruisehabit.com/hurricanesnnComparing Cruise Line Credit Cards ➡️nhttps://www.cruisehabit.com/comparing-cruise-line-credit-cardsnnHelp us by getting travel planning assistance from the same people who plan our trips ➡️nhttps://CruiseHabit.com/content/get-help-great-travel-agentnnOur Scheduled Cruises – Join Us or Follow Along ➡️nhttps://www.cruisehabit.com/content/catch-us-high-seas-cruisehabit-onboardnnOur Social Links ➡️nhttps://smart.bio/cruisehabit/nnBuy Me a Coffee ➡️nhttps://www.buymeacoffee.com//cruisehabitnnCruise with us on Scarlet Lady! ➡️nhttps://VirginVoyagesGroupCruise.comnn#cruise #cruiseships #cruiseinsurance #travelinsurance #tripinsurance #cruisetips
Emergency medical evacuation coverage
Medical evacuation travel insurance covers the costs to get you to the nearest adequate medical facility or even back home if it’s medically required. Your travel insurer’s emergency assistance team can also help arrange for the medevac.
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Coverage for pre-existing conditions
Many travel insurance plans give you a pre-existing medical condition exclusion waiver if you buy the plan within two to three weeks after your first trip deposit. This is one of the advantages to buying travel insurance shortly after you book your trip. Without the waiver, medical expenses related to pre-existing conditions that flare up during your trip won’t be covered.
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“Cancel for any reason” coverage
Canceling for reasons that aren’t listed in the policy isn’t covered, unless you have already purchased “cancel for any reason” travel insurance. This typically reimburses you 75% of trip costs, as long as you cancel at least 48 hours before your departure. Adding it increases a policy cost by an average of 50%.
For example, you could make a “cancel for any reason” claim if you’re worried about being seasick—a reason not covered by standard trip cancellation insurance. Buy this coverage shortly after you buy your travel insurance plan or the purchase window for it will close.
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“Interruption for any reason” coverage
Cutting a trip short for reasons that aren’t listed in the policy aren’t covered, unless you have already purchased “interruption for any reason” travel insurance. This coverage typically reimburses you 75% of trip costs. It usually adds 3% to 10% to your travel insurance cost. You generally must buy it within 15 to 20 days of making your first trip deposit. Benefits don’t kick in until you are a specified amount of time into your trip, for example 48 or 72 hours.
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Additional types of travel insurance
A comprehensive travel insurance plan will package additional benefits such as travel delay insurance, baggage insurance and missed connection travel insurance.
The best travel insurance plans offer high levels of reimbursement and short waiting periods for benefits to go into effect when things go wrong. A travel insurance agent can help you match your concerns to the right travel insurance package.