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5 Benefits of Having Travel Insurance for Your Cruise

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A listener recently wrote in asking why they should buy travel insurance, suggesting it’s not actually worth the money. Coincidentally, we also received a letter from a listener who wanted to share their insurance-related story. So I’m going to let THEIR letter answer the original listener’s question.

We missed our cruise today because of a canceled flight here in Minneapolis, and that was even with a plan to fly in a day early! Driving to the cruise port was out of the question, because it would have meant a 26-hour drive to Florida without stopping! Please urge your listeners to avoid ending up like us and buy travel insurance. The reason we didn’t buy it was because it would have cost an additional $600 for our family of five. Hindsight is 20/20!

Insurance can be a lot like wearing a helmet when bicycling. Sure, it might seem unnecessary… until things go terribly wrong and you find out just how badly you really needed it! Why are we so big on trip insurance? Because it covers more than you might think, including…

1. Trip Cancellation

Cruise lines make their money by filling those cabins. And if you wind up having to cancel at the last moment, they might not be able to put a new passenger in the space you vacated. But as we all know — and the above letter illustrates — sometimes, life happens. So not only do you want to make sure you have trip insurance, but read the fine print to find out under what conditions it does — and doesn’t — cover your expenses!

2. Trip Interruption

If you miss the ship because of an airline or weather delay, insurance will often cover the costs you incur in getting to the next port on the itinerary so you can join your vacation, already in progress.

3. Baggage Delays

Thing lost luggage only happens to other people? Well, it happened to me! In 2014, the airline shuttling me to my cruise aboard the Royal Princess “misplaced” my luggage for 10 hours. (There’s nothing like having an airline tell you have have “no clue” where your suitcases might be!) In the end, I didn’t have to use my insurance policy, but it was nice knowing that it would have allowed me to purchase up to $500 worth of essential items while I waited for the bag to find me.

4. Medical Emergencies

Here’s hoping you never wind up having to find out exactly where on the ship the infirmary is located. But if you wind up slamming your finger in the balcony door or twisting your ankle, the policy will cover your out-of-pocket medical expenses.

Here’s hoping you never wind up having to find out exactly where on the ship the infirmary is located. But if you wind up slamming your finger in the balcony door or twisting your ankle, the policy will cover your out-of-pocket medical expenses.

5. Being Airlifted

This is the biggest, worst-case-scenario reason to buy insurance. While it’s unlikely you’ll ever need to have a helicopter come to the rescue, we’ve all heard stories about it happening. And we’ve also all heard stories about just how much it costs! (We’ve heard of bills as high as $25,000!) If ever there was a time to believe the old “better safe than sorry” axiom, it would definitely be here.

Final Thoughts

Ultimately, travel insurance is really not all that expensive, especially when taking into account the ways in which it could pay for itself. And while the goal is to never have to use the policy, the fact that they cost — on average — around 4% of the total cost of your cruise and yet could save you literally thousands of dollars seems like a worthwhile investment in our eyes. You can buy trip insurance policies from the cruise line or more comprehensive and detailed policies from companies like TripInsurance.com.

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Hi, this may be of interest to you: 5 Benefits of Having Travel Insurance for Your Cruise. This is the link: https://cruiseradio.net/benefits-of-travel-insurance-for-your-cruise/