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Be sure to read the fine print of your policy, detailing which specific reasons for canceling your trip are covered and not covered. When they do, that’s when trip insurance can make a world of difference. With Travel Guard, you’re prepared if you need to cancel for work, illness, weather or any other covered reason. You can buy your own cruise insurance that isn't offered directly through the cruise line operator. In fact, this could be a better option if you want coverage for your travel to the cruise's departure point, not just for the cruise itself. Medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances.
Why purchase your cruise travel insurance plan through Travel Guard?
If you can afford a worst-case scenario without protection, then maybe you won’t need to purchase travel insurance for cruises. There are other respected insurance options like Travel Guard, which has policies specifically geared toward cruise trips. SafeCruise from VisitorsCoverage is another plan that is designed for cruise travel, and it includes an upgrade for a partial Cancel For Any Reason reimbursement. If you want to buy a policy beyond what is already offered by your credit card, start with an aggregator site like Insure My Trip that compares several policies based on the criteria you choose.
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Medical evacuation travel insurance covers the costs to get you to the nearest adequate medical facility or even back home if it’s medically required. Your travel insurer’s emergency assistance team can also help arrange for the medevac. CFAR allows you to recoup 50% or 75% of your forfeited, nonrefundable trip costs, depending on your policy. While pricing is higher than most other top plans, USI’s Diamond plan provides a solid range of top-level benefits, including first-rate medical and evacuation benefits and very good missed connection coverage. That said, cruise insurance will typically cost anywhere between 4% and 12% of the total trip cost. Using these percentages, for a $10,000 trip, you should consider budgeting between $400 and $1,200 for travel insurance costs.
Travel Guard Travel Insurance Reviews
No plan will meet the needs of all cruise travelers, so there is little benefit to booking the one insurance option recommended by your cruise line during the booking process other than convenience. If you’re not finding what you’re looking for with a Travel Guard plan, check out an insurance comparison site like Squaremouth, where you will have a lot of different plan options to choose from. It’s also important to know that plan offerings change based on what state you live in; not all states are covered. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Review your policy to be sure the plan you’re buying will cover your adventurous fun. If it doesn’t, ask about an adventure sports add-on, or consider a company such as World Nomads that caters to the adventurous traveler.
The 5 Best Family Travel Insurance Plans - U.S. News & World Report
The 5 Best Family Travel Insurance Plans.
Posted: Fri, 12 Jan 2024 03:41:16 GMT [source]
Get a travel insurance plan the way you want it!
After we returned home, I submitted all bills for which we were paid very quickly. Working with Travel Guard could not have been a better experience at a very stressful time. Or, if unforeseeable bad weather interrupts your trip, Travel Guard has coverage options to help protect you. There are various types of coverage, each tailored to protect different aspects of your cruise experience. While everyone hopes for smooth sailing, the reality is a lot of unexpected issues could pop up on your cruise.
Coverage for preexisting medical conditions in cruise travel insurance refers to the extent that an insurance policy covers medical expenses related to a medical condition that the insured had prior to purchasing the policy. Travel Guard’s insurance plans offer trip cancellation, trip interruption, emergency medical coverage and evacuation, baggage delay, baggage loss, and more. Some policies may also allow you to add on benefits like Cancel For Any Reason and car rental damage coverage. Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. That said, you might have travel insurance coverage available with a credit card. Some credit cards offer travel insurance benefits such as trip cancellation and interruption, emergency medical treatment and evacuation, and travel delay coverage.
Also, keep in mind that coverage offered on your credit card is generally secondary versus a primary travel insurance policy. This means you must first file a claim with other applicable insurance, including coverage with the airline or travel provider, for example, before the credit card coverage will kick in. You’ll find the option to purchase Travel Guard protection during the checkout process with companies such as United Airlines or Frontier Airlines when purchasing a flight and when making a travel purchase via Costco Travel. If you don't have a credit card with coverage or you want to add more protection, it is wise to buy insurance as soon as possible after booking the cruise. Some companies require that you buy cruise insurance within two weeks of making the initial deposit, particularly if you're hoping for pre-existing medical coverage.
Trip interruption and travel delays
We looked at a 1-week trip to Mexico for a traveler 40 years of age and a total trip cost of $3,000 as criteria for obtaining a quote. This means if you have your heart set on visiting a particular place, but it gets cut from the itinerary (a common occurrence due to weather conditions), you would receive some form of compensation. Not all plans include this, and for certain trips with a popular port (like visiting Alexandria, Egypt, to drive to the Pyramids), it may be wise to check if you are covered.
Cruisers can have different and unique travel needs compared to traditional travelers. “Passengers should find a travel insurance policy that offers cruise-specific coverage,” Walch advises. Look for a policy that will cover returning home early (for example, because of an injury), shipboard service disruption, pre-paid excursion reimbursement, and missed connections.
Plan availability differs by state, so make sure you input your trip details to see what plans are available to you. However, if you’re planning major international travel or embarking on a big cruise trip, Travel Guard's Preferred and Deluxe plans may offer better coverage than your credit card. Overall, Travel Guard plans offer a variety of coverage options with an easy-to-navigate website that could be a good fit for your next trip. Travel insurance helps you get some money back if anything goes wrong on your trip.
Even if your cruise line isn’t requiring proof of travel insurance, it can be a smart buy for any cruise passenger because of the multi-leg nature of a cruise. If you're between 35 and 59 years old and plan to insure a cruise fare of $1,599 per person, the cost of Travel Guard's Preferred plan would be between $118 and $136 depending on your state of residency and exact age. The per-person cost edges up to more than $150 for 70-year-old travelers, then jumps to more than $300 for travelers over age 80. However, insurers will reimburse the redeposit fee if you cancel the award before embarking on the first leg of the trip or cover the change fee if you must reschedule your return ticket due to a covered event. It's not strictly necessary for everyone in your group to purchase a policy, but you'll receive more comprehensive protection if you do.
In most cases, your typical cruise travel insurance won't cover things like parasailing excursions, scuba diving, cancellations due to foreseeable events, such as CDC and NOAA warnings or the death or illness of a pet. Beyond cancellation and interruption, many policies often cover the medical expenses you may incur while on the ship. These may include the cost of treatment and, if necessary, evacuation to a medical facility or back home. Remember, too, that you can't purchase travel insurance and expect it to cover events that are already in motion.
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