Why do I need travel insurance for a cruise?
Just like any other travel, you never know what's going to happen to you once you leave home. Most importantly, if the unexpected happens and you can no longer travel, you want to be covered for cancellation fees and lost deposits which can be pretty hefty sums booked up to a year in advance. You also want to make sure your luggage is fully covered in case it is lost, stolen or damaged while you're on board.
One of the most important things you will need is unlimited medical cover. Many people who travel on cruises around Australia don't realise that on-board medical costs won't necessarily be covered under your private health insurance as you are in international waters. You could fall sick or get injured and end up with huge medical bills, made even more expensive by emergency evacuation expenses to get you back home from the cruise ship. Make sure you find yourself a good comprehensive insurance policy that will include medical and hospital costs as well as emergency medical expenses so you can set your mind at ease.
What should I look for?
As mentioned above, look for a good comprehensive travel insurance policy that will cover unlimited medical and hospital expenses as well as emergency evacuation and assistance. If you have any pre-existing medical conditions then it is important to double check with the insurer as to exactly what will or will not be covered. Many insurers offer extra cover for pre-existing medical conditions, though it can be tricky. Have a look online and when you find a suitable company then give them a call and ask about their cover for pre-existing conditions. You will be surprised at how flexible some companies are with their pre-existing medical cover, you just need to take the time to look around.
You should also look for a policy that covers additional accommodation and alternative travel expenses in case you are in some way delayed or diverted. A good travel insurance company will not only reimburse these additional expenses, but will also cover unlimited cancellation fees and lost deposits should you have to cancel your trip or return home early. After this the main thing you need is a high enough level of cover for all of your luggage and valuables.
The most important thing when comparing any kind of travel insurance is to do your research, and have a serious think about the levels of cover you will need. Remember, when buying travel insurance for a cruise don't judge the cover by the price. It is always better to have a higher level of cover rather than a cheaper, less comprehensive one.
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