Cruise lines normally sell cruise travel insurance cover to their clients before or during the boarding time, cruise insurance packages are also available through third party insurance companies, these companies sell directly or through a travel agency.
Coverage for cruise service insurance: Five different major packages are offered under cruise line travel insurance package, these are; emergency medical expenses, trip delays, emergency medical evacuations, Loss of baggage or other personal substances , and trip cancellations.
Most insurance companies also offer comprehensive insurance packages that take care of other issues such as re-booking reservations and loss of passports. Trip cancellation as a result of illnesses, injuries, and sick family members is believed to account for more than 80% of insurance claims made by individuals.
Cost of Insurance:Two factors normally come to play when determine the cost of this insurance program; the age of the individual and the costs of the trip. In most cases, the insurance cost normally cover 6-8% of the total trip costs, costs of this insurance policy may also depend on the insurance company handling it. You need to get quotes and make costs and coverage comparison to select the most suitable insurance policy for your travel plans.
Comparing direct cruise service insurance with third party insurance services:One of the major differences between cruise service insurance service and a third party insurance party is that it costs less to subscribe to a direct cruise service insurance policy.
With a direct cruise service insurance company, you only get an insurance cover based on the services rendered by the cruise company, for instance, if you buy a cruise service ticket from the company and then buy an air fare ticket from another, the cruise service insurance only covers your cruise service ticket and not your air fare ticket.
Out of coverage medical expenses and coverage for pre-existing medical conditions are offered by third party insurance companies but not available under cruise line.
In a situation whereby a passenger had to cancel a cruise package as a result of a pre-existing medical condition , such a passenger might be offered a cruise credit instead of cash refunds, a third party insurance company will refund you in cash under a similar situation. A cruise insurance blog offers comprehensive information on similarities and differences between direct cruise insurance program and a third party cruise insurance program.
Jon Hendricks generally writes about cruise travel insurance.