Cruise Travel Insurance is important
Travel insurance has surged in popularity as more people have become aware of the benefits associated with purchasing a policy for their trips. There are many good reasons to purchase travel insurance, whether you are embarking on an international vacation, taking a cruise or jetting off for the weekend.
Travel Cancellation
The basic purpose of a standard travel insurance policy (with trip cancellation coverage) is to reimburse travelers for their insured pre-paid and non-refundable trip costs if they have to cancel their trip due to a covered reason. The covered reasons vary by provider and plan, but depending on the plan, these might include:
- Accidental injury, sickness, or death of you, a traveling companion or a family member
- Weather events that cause cancellations in travel plans or a cessation of service
- Mandatory evacuation ordered by local authorities at your destination due to hurricane or other natural disaster
- Strike that causes complete cessation of travel services of your carrier
- Bankruptcy and/or default of your travel supplier
- Terrorist attacks that occur in your destination city
- You or your traveling companion are terminated, or laid off from employment
Trip cancellation coverage has become quite popular over the years with leisure travelers given the high cost of vacations. Many companies also purchase travel insurance policies for their employees, given the potential high cost of a trip cancellation vs. the low cost of a travel insurance policy. This type of coverage can give travelers peace of mind when traveling. Most insurance companies offer comprehensive travel insurance plans that include a wide variety of covered reasons for trip cancellation.
Emergency Medical Coverage
Many travel insurance plans also have medical coverage for emergency medical expenses incurred while traveling. This is particularly important for international travelers, since domestic health insurance plans generally will not cover emergency medical treatment in a foreign country. A reliable travel insurance plan with medical coverage can take care of medical care and related costs, including the sometimes expensive cost of transporting a patient back home if it includes an emergency medical evacuation benefit. These costs can easily climb into the tens or even hundreds of thousands of dollars, so protective insurance coverage is absolutely essential. Frequent international travelers, students and other travelers who have a fairly high chance of contracting an illness or getting injured in a foreign country should certainly carry travel insurance with emergency medical expense coverage.
Cruise travel affordability
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