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cruise travel insurance: essential information to consider
Mar 23, 2023

Travel Insurance for Cruises: What You Need to Know

Travelling on a cruise ship is one of the most exciting and relaxing ways to explore the world. It’s a fantastic way to see multiple destinations in one trip, and it offers a unique and unforgettable experience. However, it’s important to remember that being on a cruise also means being at sea, which can come with risks. Therefore, it’s essential to have proper travel insurance international coverage in place to cover any unforeseen circumstances.

Why Do You Need Travel Insurance When Going on a Cruise?

When it comes to travel insurance, many people tend to think that it’s an unnecessary expense. However, having travel insurance for a cruise is crucial as it can help protect you against a range of risks that you may face while travelling, such as trip cancellations, medical emergencies, lost luggage, and more. Here are some reasons why you need travel insurance when going on a cruise:

- Trip Cancellations and Interruptions

One of the most significant risks that travellers face when going on a cruise is trip cancellations or interruptions. If you or a family member falls sick, or there’s a death in the family, you may have to cancel your trip. In such cases, having travel insurance from India can help cover the costs of non-refundable expenses such as flights, hotels, and excursions. *

- Medical Emergencies

Another significant risk that travellers face on a cruise is medical emergencies. While cruise ships have onboard medical facilities, they may not have the resources to handle serious illnesses or injuries. Therefore, having travel insurance that covers medical emergencies is essential. It can help cover the costs of hospitalisation, emergency medical evacuation, and more. *

- Lost Luggage

Losing your luggage can be a significant inconvenience, especially when you’re on a cruise. You may have to wait for several days before your luggage is found or replaced, which can spoil your entire trip. With online travel insurance, you can get reimbursed for the cost of your lost luggage, or you can get assistance with replacing essential items. *

- Trip Delay

Cruise ships operate on a tight schedule, and if there’s a delay, it can cause significant disruptions to your travel plans. In such cases, travel claims can help cover the costs of necessary expenses such as meals, accommodations, and transportation. *

- Loss of passport

A passport is important even on a cruise. On an international cruise, you may require it when exploring foreign ports and regions. Hence, if you misplace your passport, you may end up in trouble. Having a travel insurance policy can help since it may allow you to receive a temporary passport and make attempts to recover your lost one as well. *

How to Get the Best Cruise Travel Insurance?

Now that you know why travel insurance is essential when going on a cruise, let’s look at how you can get the best cruise travel insurance. Here are some tips:

- Research

Before buying travel insurance, it’s essential to do your research. Compare different policies, coverage, and prices from various insurance providers to find the best policy that suits your needs and budget.

- Read the Fine Print

When buying travel insurance, make sure you read the policy wording carefully. Look for any exclusions or limitations that may affect your coverage. For instance, some policies may not cover pre-existing medical conditions or adventure activities.

- Choose the Right Coverage

Make sure that the policy you choose covers all the risks that you may face when going on a cruise. This includes trip cancellations, medical emergencies, lost luggage, and more.

- Declare Pre-Existing Medical Conditions

If you have any pre-existing medical conditions, make sure that you declare them when buying travel insurance. Failure to do so may result in the insurer rejecting your claim if you require medical treatment related to your pre-existing condition.

- Buy Travel Insurance Early

It’s always best to buy travel insurance from India as soon as you book your cruise. This ensures that you’re covered for any unforeseen circumstances that may occur before or during your trip.


In conclusion, having travel insurance when going on a cruise is essential. It can help protect you against a range of risks, including trip cancellations, medical emergencies, lost luggage, and more. When looking for cruise travel insurance, it’s important to research different policies, read the fine print, choose the right coverage, declare pre-existing medical conditions, and buy travel insurance early. By following these tips, you can get the best cruise travel insurance that suits your needs and budget. Further, do not forget to check the coverage offered by the policy and compare it with other policies before making a decision. It’s also important to declare any pre-existing medical conditions to ensure that you’re covered for any medical emergencies related to your condition. This way, there will be no complications at the time of travel claims.   *Standard T&C apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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