How do I get Travel Insurance for a Cruise?

Many Canadians look to head south in the winter. While some head to the southern U.S. and others to Caribbean resorts, many prefer to spend their time taking a luxury cruise. Whether a cruise is your entire trip or just part of a longer vacation, there are some things you should know about your insurance policy before setting sail.

Getting Insurance Coverage

Getting travel insurance for a cruise is no different than any other vacation or out of province trip. You can customize your coverage to include the aspects of the trip you want covered – cancellation, emergency medical, lost baggage, etc. – depending on where you need protection.

But cruises also come with unique risks that you should be aware of and prepare for. While many of the same dangers exist on land, being out on the sea exposes you to natural threats, like hurricanes. It also makes getting ill a potentially bigger issue than suffering the same calamity on land.

Most major cruise ships have a doctor on board to treat sickness. But if you suffer a major medical event, like a life-threatening physical injury, you may need to be taken off the ship to be treated by a specialist. That’s why your travel insurance policy should include medical coverage  if you go on a cruise.

Emergency Evacuation

If you need to be transported off a cruise ship and taken to a hospital, you may need to be airlifted off the ship. As you can imagine, this can wind up being a little pricey, so you won’t want to pay out of pocket.

Emergency medical evacuation (also known as repatriation) is typically included in standard policies under emergency medical insurance. It is therefore worth confirming your broker or insurer whether you have this coverage when you get coverage for a cruise. Otherwise, you could unexpectedly wind up on the hook for a massive bill.