Cruise travel insurance worth it for all cruises, all passengers, and all destinations. Whether you’re boarding for a long weekend or you’re heading out for a 3 month long voyage of the 7 seas having cruise insurance is definitely a fantastic idea. Not all travel insurance policies are the same and if you want to get the most bangs for your coverage you need to know what you’re looking for and why you want it. Otherwise you end up playing a little bit of Roulette with your insurance coverage.
Insurance is really about one thing and one thing only. Protecting financial loss is the only reason that insurance purchases are made. Losing money is always an unhappy experience but losing money while you’re on holiday is an even worse feeling. Losing money on holiday when you thought you had purchased adequate protection is probably one of the worst feelings of financial ruin. When you purchase a plan you want to ask yourself what you want protecting your money. Are you looking for a Toy Poodle to stand over your investment or did you want a big and beefy German Shepherd keeping watch? There is often that much of a difference between cruises oriented policies.
Cruise insurance worth it because mistakes happen and problem occur. There is just no way around that. If your policy doesn’t offer good protection that is directed toward cruises you’ve hired the Toy Poodle to keep watch. While he may be cute and very entertaining, he certainly isn’t a very effective deterrent. You can pick him up and tuck him under your arm which will definitely defeat the entire purpose. Customized cruise insurance that covers will and offers cruise specific details is the German Shepherd pacing in front of your financial interests all day and all night.
Cruise travel insurance worth it because just like every other holiday you may very well find yourself at the wrong end of an accident. Injuries are actually somewhat common on cruise ships and those who travel (especially in foreign waters) without insurance could be looking at a very difficult journey back to the original port. Injuries are often common in the first several days as passengers try to find their sea legs and gain their balance. Many people are surprised at the various movements ships of this size can make. Smaller spaces and unique lay outs can make cabins a little harder to negotiate than the rooms at home.
Mild injuries to severe injuries should always be monitored while at sea. The risk of infection is always present when it comes to this type of environment. With cruise insurance the policy will have room for the extra special care you have to provide your body in this environment.
Because there is such an investment in the cruise, and because there are many small but potentially dangerous injuries that can happen it is in everyone’s best interest to carry a comprehensive policy on board. Make sure that you keep it locked in a safe place so that it can be easily retrieved but not easily lost. Cruise travel insurance worth it regardless of whether you’re traveling to foreign ports or are sticking close to home.