Why You Need Trip Insurance for Your Cruise

  • Angela Borden
Jan 09, 2019

Buying trip insurance for cruises is an important consideration for your next cruise.

The right trip insurance plan can make a difference for you in many different ways. The five key ones include financial assistance if you have to miss or delay your cruise for some reason, if you get sick or hurt while on your cruise, and if your bags and personal effects are lost, stolen, or damaged. Most plans also come with travel assistance services to help you navigate your way through difficulties that can happen when you travel.  

1. Protect the money you paid for your cruise

 The main reason most people buy trip insurance for cruises is to protect the cost of the cruise, including airfare before and after the cruise, excursions, and when needed, hotel stays before and after the cruise as well. 

For most people, the cost of a cruise is a material investment, so cruisers don’t want to lose the money they spent, if they need to cancel, interrupt, or delay their trip.  

How are trip expenses covered? 

A trip insurance plan reimburses you for your prepaid nonrefundable trip expenses if you cancel, interrupt, or delay your trip for a list of covered reasons.  

Trip Cancellation and Trip Interruption 

If you are sick and can’t go on your trip and need to cancel it, you will utilize the trip cancellation benefit. 

If you depart on your trip and need to return home early, you will utilize the trip interruption benefit. 

The covered reasons, or triggers for coverage, for our RoundTrip Elite plan for trip cancellation and interruption are similar to other triggers in the market. They include: 

  • Sickness, Injury or Death
  • Jury Duty
  • Quarantine
  • Court-Ordered Appearance
  • Traffic Accident
  • Residence Uninhabitable
  • Strike
  • Felonious Assault
  • Military Duty for Natural Disaster Relief
  • Termination/Layoff/Transfer
  • Weather
  • Terrorist Incident
  • Bankruptcy/Default
  • Natural Disaster
  • Hijacking

Trip Delay 

There is a separate list of reasons for trip delay. 

For RoundTrip Elite, benefits are paid if you are delayed for six hours or more while en route to or from, or during your trip due to:  

  • any delay of a common carrier (such as an airline); 
  • a traffic accident you or your traveling companion is not directly involved in; 
  • lost or stolen passports, travel documents or money 
  • quarantine, hijacking, strike, natural disaster, terrorism or riot; 
  • a documented weather condition that prevents you from getting to your place of departure. 
The trip delay benefit pays a daily amount for for: 1) the non-refundable, unused portion of the prepaid expenses for your trip and 2) accommodations, meals, and local transportation expenses.   

Missed Connection

This benefit is especially important for cruisers and answers this question:  “If I am late getting to the port, and the cruise ship leaves without me, what do I do?”

If that happens, the missed connection benefit will reimburse you for additional transportation costs to join your cruise, accommodations, meals, and non-refundable trip payments for the unused portion of your trip. 

There is often a time requirement for the delay. For example, for RoundTrip Elite, you must be delayed for at least three hours before the benefit will pay.  

Separate coverage reasons often apply for this benefit, so check your plan document for a list. For RoundTrip Elite, they include: 

  • any delay of a Common Carrier (such as an airline)
  • a documented weather condition that prevents you from getting to your place of departure; 
  • quarantine, hijacking, strike, natural disaster, terrorism or riot. 

2. Protection for medical expenses if you get hurt or sick on your cruise or while traveling to and from your cruise

If you are traveling abroad, you should be aware that your health insurance at home doesn't always follow you. Check with your domestic health insurance company and ask them what, if any coverage they provide. Some companies will only cover emergencies abroad. If your company is one of them, be sure to ask what constitutes an emergency. Your idea of an emergency and theirs may not match. 

Also, in many foreign countries, medical facilities expect you to pay upfront before they treat you. You will have access to medical care on the ship, but you have to pay for it. 

3. Protection for an emergency medical evacuation

This benefit is a big deal. If you are in a location that cannot provide the medical care you need, the emergency medical evacuation benefit covers the cost to move you to a location where you can receive appropriate care. 

Emergency medical evacuations vary a great deal in terms of cost because they can range from an upgraded airline seat to much more expensive options, due to the medical condition you have, and the cost can vary from $500 to $200,000 or more.

Without a trip insurance plan with an emergency medical evacuation benefit, you would be responsible for the cost. 

Read about a real-life emergency evacuation story Seven Corners handled for a cruiser here

4. Protection for your belongings

We all travel with luggage and items that are important to us. A good trip insurance plan will cover loss, theft, and damage to baggage and personal effects. Round Trip Elite also reimburses you for personal effects if your bags are delayed more than 12 hours. These benefits are typically secondary to other coverage, such as any reimbursement an airline would providing for losing a bag.   

5. 24/7 Travel assistance services 

Last but not least, most trip insurance plans come with travel assistance services. Seven Corners Assist provides 24/7 services from our multilingual team. If you need an emergency medical evacuation, this team would handle it. 

Nurses and physicians are part of the Seven Corners assist team. If you abroad and need information or guidance about the care you are receiving, they can help. 

How much does trip insurance cost?

The general rule of thumb for the cost of trip insurance is roughly four to eight percent of the cost of your trip. The factors which drive the price include your age and the cost of your trip, as well as the benefit levels you want. For those 70 and older, the cost is typically higher. 

It’s easy to check pricing for all three of our trip insurance plans so you have an idea of the cost.

Questions?

Check with your travel insurance agent to learn more or feel free to contact our sales team at sales@sevencorners.com or 800.335.0611.

About the Author

angela borden

Angela Borden has been a member of the Seven Corners team since 2007. She originally joined as an underwriter, later transitioning to marketing to explore her passion for making all things insurance less confusing and more fun. (Is that possible?) When she's not working, Angela loves traveling and spending time with her family, including her two adorable dogs.

Read more of Angela’s blogs

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