More and more people are going on cruise vacations because such vacations provide excellent opportunities for fun and relaxation. Going on a cruise allows people to take part in a wide range of exciting activities, and memories of the sun and fun will last a lifetime. Nevertheless, cruise-goers have to be prepared for the unexpected. It is not uncommon for people to experience sea-sickness or meet with other misfortunes during their cruise vacations, and they may have to seek medical attention. All cruise ships offer medical services on-board, but the cost of treatment can be surprisingly high. To ensure that they will not suffer financial loss during their vacations, cruise-goers should buy travel insurance before they set off for their vacations.
Many people who are going on a cruise vacation think that they do not need to purchase a cruise insurance policy, because such a vacation is said to be safer than other vacation choices. It is always better for travelers to protect themselves against accidents, even those they believe to be unlikely. Cruise insurance is very affordable and can fit into almost any traveler’s budget. Typically, a standard plan costs around 4% to 6% of the total price of a cruise vacation, and it includes coverage options such as medical costs, medical evacuation, trip cancellation, and loss or damage of luggage and personal belongings. If the total price of a cruise is $500.00, the insurance may only cost $20.00 to $30.00. This is a very small sum to pay for the assurance of care if the need should arise, considering the fact that policyholders will get absolute peace of mind throughout their vacations.
Different travel insurance providers offer different rates for cruise insurance. An established insurance company usually charges higher premiums, because it offers quality coverage options with high amounts of compensation, as well as helpful travel advice and emergency services. Despite the extra cost, it is recommended that cruise-goers opt for a cruise insurance plan from a reputable provider; because such a provider has the financial means to process claims promptly. The price of a cruise insurance policy will also be higher if policyholders wish to include additional coverage options or upgrade compensation amounts.
Another factor that affects the cost of cruise insurance is the age of the cruise-goer. Insurance providers do not offer standard cruise insurance to people who are older than 60 years of age. Senior cruise-goers are required to purchase a senior plan that includes special benefits, and this type of policy is more expensive than a standard policy. Those who have pre-existing medical conditions also need special insurance coverage, which comes with a higher price as well.