good cruise travel insurance. You have a choice between the policies
offered by the cruise line and those offered by third party suppliers
of travel insurance. While it is usually easiest to buy directly from
the cruise line you should consider both the advantages and
disadvantages of doing that especially since you have so many options.
The price charged by the third party cruise travel insurance supplier
usually depends on age, medical conditions, and few other factors. The
destination of the cruise is usually not a factor. The price charged
by the cruise line is often tailored to the trip, and age is usually
not a factor nor is medical condition which means the price of the
insurance from the cruise line is often less expensive, especially for
older people.
Pre-existing conditions are usually excluded under cruise policies
which mean you may not be covered for what you really want. These same
pre-existing conditions may or may not be covered by cruise travel
insurance. They usually are covered if the insurance is purchased
close to the time the trip was paid for. Cruise plans that exclude
pre-existing conditions may still cover emergency evacuations caused
by pre-existing conditions.
Bankruptcy and failure to sail by the cruise line will not be covered
if you buy the cruise line's coverage, but will probably be covered
under a third party plan. As you can see there are definitely
differences.
Personally I believe that your coverage for your cruise will be more
personal and provide the actual coverage you need if you purchase
cruise travel insurance from a third party company and there are many
offering all kinds of plans for cruises of all shapes and sizes. You
can also look at purchasing valuable medical coverage, trip
interruption, emergency travel and health services and more many other
services which are not available when you buy from the cruise ship.
Whether you are taking a two-day cruise to the Bahamas or a month-long
cruise through the Mediterranean, there is a cruise travel insurance
that fits your travel needs.
Cruises are great. You should get on board and enjoy the pampering,
scenic ports, incredible food, entertainment, and more. That is
usually the case although the cruise line does not like it when we
spell it that way.
You might be surprised to find out that cruises offer more than just
hangovers and sunburns. There's a conception that the doctor or nurses
on the cruise spend their days dealing with such mediocre incidents
when in fact they deal with medical emergencies, heart attacks, broken
bones, strokes, and a host of other more serious issues. On any given
cruise the medical staff will have to deal with 11% of the guests
having serious illness.
Passengers often need to leave a ship for medical reasons. Sometimes
passengers can disembark for treatment at a scheduled port but other
times a specially equipped medical helicopter is required. That
medical evacuation expense can range from $2,000 - $100,000 or more,
and may not be covered in a passenger's stateside health insurance
plan which is why you need to carry third party cruise travel
insurance.
You need to check your cruise travel insurance coverage carefully and
be sure to read the fine print. It's important to have full coverage
and the way to do that is with a cruise travel insurance policy which
you can even buy online if you like.
About The Author
Morten Hansen has been focused on the Travel area for several years
and is mainly writing about subjects, that make it easier for people
to understand the different opportunities with the Travel Area. For
more details about Travel Insurances visit our website
TravelinsuranceTips4you.com www.TravelinsuranceTips4you.com
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