What kind of policies are available for cruise insurance
It is very confusing and time consuming to select a travel insurance and specifically cruise insurance. The policies offered by the insurance companies vary and therefore one should keenly select that policy that suits their needs.
The cruise insurance policies offered by the cruise lines are most of the time very expensive and not the best option. Another aspect is that the travel insurance policies offered by cruise lines are generally not the primary ones. Cruise lines are notorious for offering compensation in “on-board credits” – not hard cash in many situations!
To get the company that offers the best insurance policy the covers all the needs that one has, it is important to conduct an indepth online research first. Nonetheless, only buy what you require as there are some additional to the policies that may not cover your needs but only add up to your total costs.
First its important to understand the difference between a primary and secondary policy. A secondary policy is purchased through intermediaries such as cruise lines and airlines while that which is bought directly by the individual in need of it is the primary policy. If any incident that one had been insured against happens, the primary policy pays fast and directly. on the other hand, a secondary policy usually involves long processes when it comes to payment.
This article further outlines various insurance policies for those who love cruising.
A trip delay policy in case there is a major storm that happens to prevent the cruise from sailing. The policy covers things like overnight stay Payment will be minus any compensation received from the cruise line or airline There are various deferment caps for the policy as well as timelines for delay. The policy should also include tours and excursions to the shore that are nonrefundable.
You Cancel Your Trip – There are exclusions to this kind of policy, however there are reasons travelers have to cancel a trip. If one takes this policy, whatever kind of payment they had made for the cruise trip is paid.
The third policy is emergency medical evacuation which is very important if either them or their companion has a medical condition that may require evacuation back to their home states for medical attention. The cost of being evacuating by air is extremely expensive – and the expense must be covered by the individual or family. Howver there are many factors that determine the cost of this policy such as location, how accessible medical attention may be at that place.
The fourth policy covers against ship related illnesses for the individual.