Does travel insurance include cruising?

Does travel insurance include cruising? Traditional travel insurance typically covers cruises – and it's a great option, if cruise insurance is unavailable.

What happens if you book a cruise and a hurricane comes?

You're always free to cancel your cruise before the cruise line does, but in most cases, you will lose the full price you paid for the cruise (minus port fees). In instance of extremely severe storms (like hurricanes), cruise lines will typically allow passengers to cancel without penalty.

Can you book travel insurance after booking a cruise?

You can purchase cruise travel insurance immediately after booking your trip until just before your departure.

Does travel insurance cover cancelling a cruise?

Most cruise insurance plans may cover medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage when you're on a cruise. Cruise insurance can also cover cruise-ship disablement and pre-existing conditions, depending on when you buy coverage.

What is a covered reason to cancel a cruise?

Here are some examples: The unexpected death, illness, or injury of you and/or a family member. Being unable to participate in a sporting event due to a medical condition when the purpose of the trip was participation in that sport. Unforeseen natural disasters at home or at the destination.

How much extra is insurance for a cruise?

Cruise insurance can cost from 5% to 10% of your total trip cost, though that amount can be influenced by: Your age. How much you're spending on your trip. The length of your cruise.

Are cruises considered foreign travel?

The answer to all of these questions for U.S. citizens is no -- as long as you're taking a closed-loop cruise. Closed-loop cruises travel to Canada, Mexico, the Caribbean and Bermuda but start and end at the same U.S. homeport. These cruises don't require a passport.

How far in advance can you buy cruise insurance?

In general, you can buy coverage any time before the date of your trip. That said, it's always best to buy coverage as soon as you make your reservations. The sooner you buy travel insurance, the sooner you'll be protected and the more benefits you may be eligible to receive.

Why do you need special travel insurance for cruises?

The purpose of travel insurance is to cover the nonrefundable costs associated with your trip in case of an unforeseen event. Odds are that you won't use your travel policy, but you need to have it, just in case, unless you are willing to risk thousands of dollars on your nonrefundable cruise reservation.

Can I get off my cruise without a passport?

U.S. citizens on closed-loop cruises will be able to enter or depart the country with proof of citizenship, such as an Enhanced Driver's License (EDL), a government-issued birth certificate (issued by the Vital Records Department in the state where he or she was born) or passport, and if 16 or older, a government ...

When should I buy travel insurance for a cruise?

Buying 50 Days Before Departure Buying cruise insurance at this time also takes the “panic” factor out of your purchase. There'll be lots to think about right before you leave. Buying 50 days out means you won't be worrying about “what-if” scenarios right up to departure date.

Does cruise insurance cover missed ports?

Add on cruise ship travel insurance allows you to be insured for those extra things that you might not need on a standard trip. For example if bad weather occurs, and you're unable to make a scheduled port stop and are unable to go to an alternative port, then cruise travel insurance will cover this.