Keith and Donna were excited about their luxury cruise trip to Galapagos. It was a dream that was coming true after a decade of planning. They were able to afford this trip after so many years of saving and a simple lifestyle. They had planned it as their second honeymoon. As the date of their departure approached, they received some bad news. Keith's mother was critically ill. She was diagnosed with a terminal disease and doctors were not hopeful that she would live too long.
The news dealt a double blow-one was the fact that they were losing a parent and the other was that the money spent on the cruise bookings was fully nonrefundable. So, they would be losing a major part of their savings on cancellation of the tickets. Keith had neglected Donna's advice on purchasing cruise travel insurance-something he now regretted.
You can use cruise travel insurance plans to reimburse trip costs if you cancel the trip before it starts. If one of the travelers is ill or injured and the trip needs to be abandoned midway, you recover your money through cruise travel insurance. Some added benefits that are part of this plan include reimbursement of medical expenses and evacuation of sick or injured travelers.
There are several types of cruise insurance plans and they essentially differ in the reasons they consider valid for trip cancellation and the people covered by the plan. In some cases, they cover only the travelers and in other cases, travelers as well as family members are covered.
Plans that offer evacuation cover may pay for evacuation only to fixed local hospitals, or they may allow for evacuation to a hospital of the insured person's choice, within their home country. It may be possible to get a medical upgrade for the plan so that it covers medical expenses as well.
The other point of difference among various cruise travel insurance policies is the activities they insure. Some cover adventure sports like scuba diving and jet skiing while some others do not. So, it's a good idea for policy holders to ascertain whether the plan covers the activities they are likely to take part in.
Some trips may be cancelled because of problems that the travel provider is facing-either financial or otherwise. In such cases, certain cruise insurance plans may not cover cancellation costs. Some plans do cover financial insolvency, but you need to buy the policy within 21 days of paying the initial trip deposit. Some other plans cover financial insolvency even if you have bought the plan just 24 hours after the final trip payment.
While most cruise insurance plans provide protection against cancellation due to bad weather conditions, not all of them protect against cancellation and interruption due to terrorism. Medical expense coverage ranges from $ 10,000 to $500,000, whereas evacuation and repatriation cover can range from $100,000 to $1,000,000.
The news dealt a double blow-one was the fact that they were losing a parent and the other was that the money spent on the cruise bookings was fully nonrefundable. So, they would be losing a major part of their savings on cancellation of the tickets. Keith had neglected Donna's advice on purchasing cruise travel insurance-something he now regretted.
You can use cruise travel insurance plans to reimburse trip costs if you cancel the trip before it starts. If one of the travelers is ill or injured and the trip needs to be abandoned midway, you recover your money through cruise travel insurance. Some added benefits that are part of this plan include reimbursement of medical expenses and evacuation of sick or injured travelers.
There are several types of cruise insurance plans and they essentially differ in the reasons they consider valid for trip cancellation and the people covered by the plan. In some cases, they cover only the travelers and in other cases, travelers as well as family members are covered.
Plans that offer evacuation cover may pay for evacuation only to fixed local hospitals, or they may allow for evacuation to a hospital of the insured person's choice, within their home country. It may be possible to get a medical upgrade for the plan so that it covers medical expenses as well.
The other point of difference among various cruise travel insurance policies is the activities they insure. Some cover adventure sports like scuba diving and jet skiing while some others do not. So, it's a good idea for policy holders to ascertain whether the plan covers the activities they are likely to take part in.
Some trips may be cancelled because of problems that the travel provider is facing-either financial or otherwise. In such cases, certain cruise insurance plans may not cover cancellation costs. Some plans do cover financial insolvency, but you need to buy the policy within 21 days of paying the initial trip deposit. Some other plans cover financial insolvency even if you have bought the plan just 24 hours after the final trip payment.
While most cruise insurance plans provide protection against cancellation due to bad weather conditions, not all of them protect against cancellation and interruption due to terrorism. Medical expense coverage ranges from $ 10,000 to $500,000, whereas evacuation and repatriation cover can range from $100,000 to $1,000,000.
No comments:
Post a Comment