Things to consider for your cruise insurance
What countries will you be visiting?
Most cruises involve travelling to various countries so you’ll need to ensure that you’re covered for all the countries you’re visiting. It’s likely that the countries you visit will impact the price of your travel insurance policy. You may find that if you’re travelling to countries like the USA, China or Hong Kong, your cruise travel insurance will cost more due to the high costs of private health care in those countries.
How much is the daily amount for cabin confinement?
When comparing policies, consider how much you’ll be able to claim back for cabin confinement. The limit can be as little as £15 a day or as much as £1,000 a day so it’s worth checking and making sure you have a decent amount of cover in place.
Do you plan on doing any activities or sports?
Many cruise travel insurance policies exclude cover for extreme sports and activities such as skydiving and rock climbing. If you plan on doing any high-risk activities while you’re on holiday, you’ll need to ensure that your cruise insurance covers that specific activity. You can take out extra cover for this if necessary.
How much is the cancellation refund?
Cancellation payouts can range from £250 to £25,000. Make sure you choose a policy that includes enough cancellation to cover the cost of your cruise.