Like any form of insurance from personal property, liability, health, life or travel, insurance coverage is designed to cover you for unexpected events. If all goes well with your trip you will never need to make a claim against an insurance policy.
Just like other forms of insurance there are different coverage options available for travel insurance. You can get very specific coverage that might cover just one type of covered event such as lost luggage or you get can a policy that covers a variety of covered events such as lost luggage, trip delays, medical coverage out of country, emergency medical transportation, and repatriation (getting back to your home country after a covered event). There is one type of travel insurance called Cancel For Any Reason (CFAR). With that type of policy if you decide you no longer want to go on the trip for any reason as outlined in the policy, you can cancel and get some or all of your money back. Each policy has terms and conditions or restrictions. CFAR typically can't be purchased as the trip date gets closer. Other forms of insurance can be purchased closer to trip date.
Different policies provide different coverage amounts. One company or policy might provide $50 if your luggage is lost while a different might provide $500 for lost luggage. One might provide $1,000 of medical coverage while another provide $50,000 of medical coverage. You need to research each insurance option to determine which one provides the type of coverage you seek and which policy provides the dollar amounts of coverage you desire.
Insurance is offered by cruise lines but it's typically one policy with fixed coverage. Often these forms of insurance must be purchased when the trip is booked. Insurance purchased directly with a broker or insurance company may be available with a variety of options and costs. These insurance policies can usually be purchased after the trip is booked but before the trip starts.
In many cases a travel insurance policy may require you to pay expenses upfront and submit receipts for reimbursement. A cruise ship has a medical facility on board but they don't accept any insurance, you pay out of pocket and then you must file a claim with your insurance provider to seek reimbursement. The same may occur if something happens in a foreign country. That hospital or clinic will most likely require you to pay out of pocket and then you must file a claim with your insurance provider to seek reimbursement. There are some insurance policies that work with medical facilities in some countries. These are all items to research as you consider different insurance options.
The credit card you use to book a trip may provide some limited forms of travel insurance. Check with your credit card company.
Travel insurance is available to cover one specific trip and there are annual insurance policies that can cover multiple trips.
Without assuming anything about you, your country and/or state of residence can play a part in determining what insurance options are available for you.
I'm sorry to bring this up, but I want to say thank you for the clarification. I was recently going on a cruise with my wife, and no one I knew could clearly explain what kind of insurance to take out. So when we arrived at the hotel https://www.onholidays.com.au/rainbow-beach-holiday-houses/, they put my wife in quarantine for suspected coronavirus. I paid a lot of money just to buy her medicine, not to mention seeing a doctor. All in all, I spent a lot more than our honeymoon trip cost.
Travel Insurance for a cruise
in Royal Caribbean Discussion
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I'm sorry to bring this up, but I want to say thank you for the clarification. I was recently going on a cruise with my wife, and no one I knew could clearly explain what kind of insurance to take out. So when we arrived at the hotel https://www.onholidays.com.au/rainbow-beach-holiday-houses/, they put my wife in quarantine for suspected coronavirus. I paid a lot of money just to buy her medicine, not to mention seeing a doctor. All in all, I spent a lot more than our honeymoon trip cost.