Going on a Cruise? Don’t Forget Your Travel Insurance
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Are you planning on sailing the ocean waves? This can be an amazing experience whether you’re exploring the Caribbean or traversing the Pacific. In either case though, you will need to think about insurance and protecting yourself from harm while overseas. While being on a cruise ship is generally a safe environment, accidents can still happen whether you are on-board or on a shore excursion. To ensure you can cover all medical costs and personal losses, choosing the right insurance policy is absolutely essential.
1. Consider Flexi Plans
The first step will be to take a look at your travel schedule for the year. Are you taking more than one ocean voyage? Will you be touring alone or with someone else? If you need to take out multiple insurance policies here, it might be cheaper to look for a flexible plan that includes several trips and covers multiple individuals all for the single premium cost. This decision will lead to a couple of positive benefits. Multi trip insurance is much cheaper while offering continuous coverage. This is great news for cruise passengers planning to visit multiple continents. Instead of shopping around for several policies, you can simply take out the single all-inclusive coverage for your journey.
2. Look at the Limits
When preparing for your upcoming cruise holiday, you’ll need to pack your bags with the appropriate gear. If you are bringing expensive items such as laptops, digital cameras, MP3 players, etc., make a note of how much your baggage is worth. Then, when you are searching for an insurance policy, you can compare the limits offered for what you’re bringing. For example, if the luggage limit is £1,500 and you are taking more than £2,000 worth of gear, you’ll lose £500 if everything is stolen or damaged.
You should also have a look at the other limits and compare them with other plans. Even if you are seeking travel insurance for pre existing medical conditions, you will need to think about the fine print of how much you will be compensated if something goes wrong. Keep the following important limits in mind:
- Trip cancellations
- Medical coverage
- Missed departure
- Personal liability
Make sure that you get the maximum possible coverage for each of these areas. Compare the different policies available and see which one has the highest limits for the lowest premiums.
3. Include All Activities
Since you’ve organised what you’re going to do while on the cruise ship and during the shore excursions, you will also have to choose an insurance plan that covers these scenarios. If you are only thinking of doing regular sightseeing, swimming, shopping, etc. a standard policy will suffice for protection during your ocean voyage. Activities such as rock climbing and diving will need extreme sports insurance that costs extra however. Thus, you should check to see if these activities are offered while on the ocean waves or at your ports of call. If they are, you’ll need to budget for the higher premium so you’re fully protected at all times while on your cruise.
Of course, these three points are only some of the important factors to think about while finding travel insurance prior to departing on your passenger liner. To get the best coverage, compare the different plans available and make sure you understand the terms and conditions. With a little research, you can take out some protection that really takes care of you whether you’re voyaging around the Baltic Sea or going on a round-the-world adventure. In any case, you’ll have the right level of financial protection regardless of where you’re headed or what you’re doing.
About the Author:
Medicaltravelcompared.com is a coverage comparison site in the UK. It provides an online service wherein users can compare different types of travel insurance for pre existing medical conditions.
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Category: Travel
