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Cruise Travel Insurance Needs To Be Mandatory
The Era Of Cruise Ship Travel Insurance

July 28, 2014

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Cruise Travel Insurance Needs To Be Mandatory
The Era Of Cruise Ship Travel Insurance

July 28, 2014

The Need for Cruise Ship Travel Insurance
Every week there is a new flurry of media articles outlining how badly the cruise industry treated passengers, with claims for missing ports, missed ships, denied passage, medical evacuations, injury incidents and those who went overboard during a cruise, as well as incidents which took place while in ports-of-call during the cruise or while enjoying a cruise ship excursion. The never steam of whiners has reached the point where if a passenger wakes up to skies with twenty percentage cloudiness, they want compensation because the sky didn't look the same as the sky in the promotional images and videos.

The one-sided bad press and lawsuits that have plagued the cruise industry since the big cruising boom began in 2005 would come to trickle if the cruise industry had a policy of mandatory cruise insurance. The company I used for travel insurance in the past was Travel Guard. I was able to book the insurance online and print the documents and policy with my computer printer, then pay online, making for a quick, easy, painless transaction. The promotion for cruise travel insurance on the Travel Guard website indicates a few of the most common reason cruise insurance is strongly advised. The six reasons on the Travel Guard web site sum up much of the bad press the industry is saddled with, because travel insurance was not purchased.

Why Choose Travel Insurance For Your Cruise?
It’s now 10 p.m. and the flight that was supposed to take you to your port of embarkation has been delayed for hours. Who can assist you with finding a new flight to catch up with your cruise?

Your wife becomes seriously ill while onboard the ship and you need immediate medical attention at a hospital. Who can get you evacuated off the ship and to the hospital in time?

Your cruise has just disembarked when you suddenly realize your insulin bag is nowhere to be found. You need help to have an emergency prescription filled, along with help finding your lost bag. Who do you call?

You arrive at the airport after having disembarked off your cruise of a lifetime when you realize your passport and wallet are nowhere to be found. Where do you turn for emergency cash, and how will you get your passport replaced?

You arrive in Paris where you will embark on your cruise. Unfortunately, you luggage is nowhere to be found. Who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?

While exploring local shops in Shanghai, you trip and hear a cracking noise in your ankle. Who can help you find a physician to have it examined? Who will cover the expense?

A link on the right side of the Cruise Insurance page covers other cases, "Grounded Cruise Ships and Robbery on Tour, Draws Attention to Travel Insurance."

How Much Does Cruise Travel Insurance Cost?
I created a sample Bahamas 4-night cruise for Monday, September 22, 2014 aboard Royal Caribbean Cruise Lines Enchantment Of The Seas with guest accommodations in a balcony stateroom, embarking from Port Canaveral, for two passengers. The cruise cost was $503 plus "Taxes, fees and port expenses" $134.56 US, for a total of $637.56 per person. For this cruise, we decided to have local residents, two people, one 50-years old, the other 60-years old, embarking from their home port of Port Canaveral, booking the sample cruise. So, the cost came to a total of $1275.12.

I selected the Travel Guard Platinum Plan, because it had the best coverage. The cost was $171.00. However, I could have booked a lesser cruise insurance plan for about half the cost. I added a clause to cover cancel for any reason and health insurance with the cost going up to $160, a wise level of protection for two people of this age. The final cost was $270.60, or 21% of the cost of the cruise package. The lesser insurance coverge would have added about 10% to the cost of the cruise package.


The Details Of The Cruise Travel Insurance Policy
The following Travel Guard cruise ship travel insurance policy coverage outlines just some of the highlights of the sample policy I for which I received a quote.

100% Trip Cost |Trip Cancellation: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefits for Trips that are canceled prior to the scheduled departure date.

150% Trip Cost | Trip Interruption*: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefits for Trips that are interrupted after the scheduled departure date.

$1,000 | Trip Delay: Reimburses up to $200 per day/per person up to the Maximum Limit shown on the Schedule of Benefits for reasonable additional expenses if the insured is delayed for more than 5consecutive hours due to a covered reason.

$2,500 | Baggage & Personal Effects: Can reimburse you if your baggage or personal effects are lost, stolen or damaged while on your Trip, subject to the Maximum Benefit. This coverage is in excess of any other coverage or indemnity.

$500 | Baggage Delay: If your Baggage is delayed more than 12 hours, you can be reimbursed for the purchase of Necessary Personal Effects, subject to the Maximum Benefit.

$50,000 | Accident Sickness Medical Expense: Pays up to the Maximum Benefit shown on the Schedule of Benefits for necessary medical expenses due to Injury or Sickness incurred within one year of the date of the Injury or Sickness. Initial treatment must be received during Trip. Pays for emergency dental expenses during the trip due to injury to sound, natural teeth while on the trip. Covers medical and surgical treatment by a licensed physician; professional nursing, hospital, x-ray and ambulance services within one year of the Injury or Sickness provided initial treatment was received during the trip.

$1,000,000 | Emergency Evacuation and Repatriation of Remains: Covers evacuation and transportation as directed by a Physician to the nearest adequate medical facility (home in the event of death or if medically required). Pays for special medical escort if recommended in writing by the attending Physician.

$50,000 | Accidental Death &?Dismemberment**: Pays for loss of life or limb if it occurs within 365 days of an accident during your Trip.

Medical Coverage Upgrade: Valuable addition to increase your coverage limits. Your Medical Expense will double. Emergency Evacuation to the adequate licensed medical facility of the Insured’s choice and bedside visit is included.

Cancel for Any Reason: The Company will reimburse 50% of nonrefundable expenses if you cancel your Trip for any reason, up to 48 hours prior to your departure. (Cancel for any Reason can only be purchased at the time the base plan is purchased and within 15 days of initial trip payment. Coveragemust be purchased for the full cost of trip.)

Accidental Death and Dismemberment (Common Carrier Air Only)**: Coverage for accidental death or dismemberment that occurs when traveling on a regularly scheduled flight or charter, subject to the Maximum shown in the Schedule. Amount selected from the minimum of $100,000 up to a maximum of $500,000.

PRE-EX EXCLUSION WAIVER
The Company will waive the pre-existing medical condition exclusion if the following conditions are met:
1. This plan is purchased within 15 days of making the Initial Trip Payment;
2. The amount of coverage purchased equals all prepaid, non-refundable payments or deposits applicable to the Trip at the time of purchase, and the cost of any subsequent arrangement(s) added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s);
3. All Insured’s are medically able to travel when plan cost is paid.

Not having mandatory cruise travel insurance has been a nightmare for the cruise industry, It's time for smart cruise planning to become mandatory. If passengers had to save for cruise, they need to save just little bit longer before booking their cruise.

Supporting Information & Resources:
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