Is Travel Insurance a Necessity When on Vacation Cruise Lines?

travel insuranceTravel insurance is a coverage option that most people don’t think about until the time comes to take a vacation. In many cases, even after strong consideration, this type of insurance is passed on. Under some circumstances, however, travel insurance coverage can be extremely beneficial to travelers vacationing on cruise lines.

What is Travel Insurance?

Travel insurance is a type of coverage that reimburses individuals for non-refundable costs associated with a trip.

For instance, if you book a flight to Hawaii, only to learn that a volcano erupts leaving no airplanes allowed to fly in the area — travel insurance can protect the typically non-refundable tickets you purchased. Other benefits offered by travel insurance companies include issuing you a stipend or reimbursement for food and hotel costs, if your trip is delayed and you are stuck in the airport.

Travel insurance also grants protection in case you become too sick to travel — or suffer a death in the family. Cancellations and delays initiated by you are often covered under this type of insurance policy.

Is Insurance Needed When Traveling on Cruise Lines?

As you can see, travel insurance is certainly helpful under circumstances involving flights, and the same true when participating in cruise lines. Since a cruise constitutes as a form of travel, it is also covered by travel insurance.

Travel insurance coverage becomes a bit more relevant for a vacationers on cruise lines, simply because arrangements are typically made so far in advance. While flights can be taken as soon as hours after a ticket is purchased, tickets for cruises may not set sail for many months.

In the meantime, a number of personal circumstances could occur that may threaten a passenger’s ability to actually go on a cruise. And some cruise lines are very strict in choosing not to refund deposits under any circumstance.

Of course, it’s up to each traveler whether to purchase travel insurance — whether provided by the cruise line, or a third-party provider.

If you chose to do so, it’s critical that you read the policy options carefully before spending a dime on this often expense coverage. This way, you won’t lose your money on both your cruise and your travel insurance.

(Image courtesy of Marcus/FreeDigitalPhotos.net)