Are you going on a cruise? If so, you probably have thought about everything except your cruise cover. This is important protection as it is a financial safeguard for your medical care as well as the following:
- Airlifting from the ship to the mainland for hospitalisation
- Cabin confinement
- Missed port departure
- Cruise interruption
- Itinerary changes
- Unused excursions
Make Sure You Are Well-Covered
This type of insurance is available in both annual and single-trip plans. Due to the nature of cruise travel, it is likely that you will visit several places. Therefore, you need to make sure that you are covered at all of your destination points.
When making a cruise travel insurance comparison, it is important to review the level of cancellation cover noted as well. For instance, do not select a policy that features a lower level of protection than what your cruise costs. Doing so can invalidate your policy. The cover limits on a cruise travel insurance plan are per person. So, if two people are travelling in your party and the trip costs £4,000, you need to choose a cancellation cover that protects up to £2,000 for each person.
Make Sure You Take Out Cover as Soon as You Book Travel
Regardless of whether you are booking a cruise or land travel, make sure you are covered from the day you leave the UK until your return. Also, buy cover as soon as you book the cruise to safeguard against cancellation. Obtain a quote for the USA, the Caribbean, and Canada before booking a trip too. Insurance for travellers to these destinations is more expensive, especially for people with pre-existing medical conditions.
When taking a cruise, always notify the insurer who is issuing the policy. Failing to do so can invalidate the plan. Also, include your cruise or travel companions on your policy. If you experience travel complications, they too can make claims.
Will You Go Mountain Climbing?
Whether you are flying by plane or taking a cruise, do declare if you are taking part in extreme sports activities. Buy the additional cover for extreme sports such as hang gliding, water skiing, or mountain climbing in case you have a mishap.
All Medical Conditions Must Be Declared
Do indicate to your insurer if you are stopping in several countries even if you are not staying at the destinations very long. This way, you will be covered for all the places that you plan to visit. Also, make sure that you do not leave out any vital information to save money on the policy. All medical conditions, for example, must be declared. That is because medical expenses abroad can be extremely expensive.
When signing up for medical cover, make sure you tell your insurer about the conditions for which you receive prescription medications. Medicines of this type are generally used for cholesterol, osteoporosis, or high blood pressure. Just because the conditions may not currently affect you, you still need to let your insurance company know about your health status.
By taking the precautionary steps needed, you can ensure enforcement of your policy and more peace of mind regardless of where you happen to go.
