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Should you buy Travel Insurance for a cruise?

It is a universally known fact that though travelling by cruise is comparatively safer than other modes of travel yet cruise travel insurance is one of the most largely purchased forms of travel insurance, across the world. The primary reasons for this can be attributed to the fact that cruises are not only quite expensive, but also come along with dangers like sea-sickness, drowning, and are heavily dependent on the weather.  If you are going for a cruise holiday, it is essential that you buy a comprehensive cruise travel insurance policy that protects you from all the possible dangers.

The possible risks on a cruise

You can be subject to a series of unexpected mishaps while on a cruise. Some of them have been listed below.

Missing the ship – This can be a common occurrence owing to multiple reasons like meeting with an accident or getting stuck in traffic end route to the port. Bad weather, missing documents or luggage, being delayed at one port and failing to reach another on time; can also be various factors which can lead to you missing the ship. In case you do and have to cancel your trip, a cruise travel insurance can cover you for it.

Delay or loss of luggage – Though this situation is not as prevalent as the ones at airports, luggage is still sometimes routed incorrectly even in a cruise. This can lead in a significant delay in you getting your luggage or losing your luggage completely.  There is also a possibility of damage of your luggage or its contents. A comprehensive cruise travel insurance policy helps you track your missing luggage (until its arrival), or covers you for replacing the items you have missed and need urgently.

Medical emergency at sea – Medical emergencies at sea are a common phenomenon. Most people are extremely susceptible to getting sea sickness. Apart from this, you and your family (especially kids) are prone to a wide array of illnesses and injuries while on the cruise. Irrespective of the cruise having a medical team or not, you must be protected against these situations. Cruise travel insurance policies provide medical coverage while you are on a holiday.

Cancellation of trip/cruise - It is likely that your cruise trip gets cancelled after you have made all the bookings, more importantly paid for everything. A cancellation after this can mean a huge financial loss, but a cruise travel insurance policyholder shall be covered for cancellation or postponement of trips (subject to the terms and conditions of the policy).

Loss of documents/cash/cards/ other valuables - Given the worst case scenario you can be robbed or lose your wallet/documents while on the ship or when exploring the next port of call. The cruise line and its staff are not responsible for lost or stolen items, and you definitely don’t want to be at the mercy of local authorities. Cruise travel insurance cover can really come to your rescue when you have to run around for replacing your passport, and loss of your cash and other documents.

Emergency assistance - Travelling to a new place can jolly well put you in a situation where you need travel advice or emergency assistance. It could also be in the form of needing help to communicate in a foreign language. A cruise travel insurance can help you if you need travel advice, legal advice, or foreign language assistance.

What coverages should you look out for in your cruise travel insurance?

The following is a comprehensive list of the coverages that are most useful to cruise travelers.

Medical coverage – This is of utmost importance as it provides coverage for emergency medical and dental care (in certain cases) in the case of a sudden illness or injury on your cruise.

Cancellation coverage – This type of coverage offers reimbursement for your pre-paid travel expenses if you have to cancel your trip (prior to departure) due to any of the reasons mentioned in the policy schedule.

Coverage against evacuation – In case the ship needs to be evacuated, the cover arranges and pays for medically necessary evacuations or for the repatriation of a traveler’s remains.

Missed connection coverage – This coverage comes in handy for travelers who encounter extreme climatic conditions while sailing, unplanned labour strikes, and overbooking errors.  

Trip interruption coverage - Enjoy reimbursement for your pre-paid travel expenses if you have to end or curtail your trip and return home.

Cruise travel insurance most ideal for the following kinds of travelers

  • Travelers on an expensive cruise who must have waited and saved for years to enjoy the trip. So, it’s important for them to protect their financial investment. Make sure that you purchase adequate travel insurance coverage for the same.
  • Newlyweds who choose a cruise trip for their honeymoon definitely don’t need the distraction or complications of running around solve travel problems on this important trip. Missing a flight connection can cause you to miss your ship and consequently having to shell out additional cash which was totally unplanned for. A comprehensive cruise insurance offers just the right protection.
  • Families, especially the ones travelling with children need to be extra protected when taking a cruise holiday. Hence, they need this insurance policy, probably more than anyone else. Just as you plan for emergencies and accidents at home, you have to be equally prepared for the same on your trip. Your child could get sick before the trip, which can lead to a cancellation, they could be hurt or injured or be afflicted with sea sickness while on board, in addition to any number of accidents.
  • Seniors citizens on a cruise must buy a comprehensive insurance policy as medical emergencies can happen while on the trip. More than a health insurance policy, a good cruise insurance policy is ideal in this case.
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Should you buy Travel Insurance for a cruise? Reviews

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  • review Travel Insurance
    "Average"
    0.5 3.5/5 "Pretty good"
    I am having my Air policy with HDFC ERGO and they are giving good benefits for Air accidents and luggage loss. I did not speak to the customer care. They have charged me something around 1000rupees for 1year. I have no claim experience and yet to go through with the benefits.
    Was this review helpful? 0
    , kolkata
    Reviewed on Oct 08, 2019
  • review
    review Travel Insurance
    "Average Policy"
    0.5 5.0/5 "Blown Away!"
    I bought my travel insurance from ICICI Lombard and my company people has selected this policy since I'm working in a on site location. The coverage value of Rs. 1 crore since my company is paying the premium amount, i'm not sure about it. I do not have any claim experience. I don't need get any chance to speak with customer care service so far.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 21, 2019
  • review Travel Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    I have two wheeler policy Bajaj Allianz, last time I paid the premium of Rs.1000 for one year. I have Activa bike its around seven years old it got insured with them. There was no claim experience, they give me reminder call on time and also during renewal I get the paper.
    Was this review helpful? 1
    , bangalore
    Reviewed on Apr 30, 2019
  • review Travel Insurance
    "Good protection for luggage"
    0.5 4.0/5 "Great!"
    I generally take Travel insurance with Bajaj , the premium is around Rs.49, I take the policy through the travel agencies for flight booking. They give luggage coverage, if I lost the luggage they will do claim settlement, they used to give acknowledge for the policy. They don't have medical cover in this plan.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 07, 2018
  • review Travel Insurance
    "Enjoy your travel experience without any fear. "
    0.5 4.0/5 "Great!"
    I have bought my travel insurance with ICICI Lombard. They have charged me a good amount but they have deducted twice. When i asked about this, i did not a proper response from them. They have very good insurance amount covered with. Its easy to take the policy. I'm buying the policy whenever i travel and i'm planning to buy the policy for an year since I'm often traveling.
    Was this review helpful? 1
    , new delhi
    Reviewed on Dec 02, 2018
  • review Travel Insurance
    "travel insurance is very nice"
    0.5 3.5/5 "Pretty good"
    i found the travel insurance reviews useful and thoughts are so useful to take the final decision of the production and the way people are expressing there thoughts is really awesome and make to decide.reviews are always very helpful if it is good or bad
    Was this review helpful? 0
    , bangalore
    Reviewed on Nov 26, 2018
  • review Travel Insurance
    "Worst Insurance provider ever "
    0.5 0.5/5 "Unacceptable"
    Hello,, I recently took a travel insurance from Royal Sundaram General insurance for my Thailand trip,,, Unfortunately I encountered sea urchin Bite when I was in Phi Phi Island so wanted to assure myself by consulting a local physician ,, so got an appointment with the local doctor and got the necessary treatment and he billed me about 8000 INR and gave me the proper receipt and case sheet ,, Then I applied to Royal Sundaram General insurance for reimbursement after returning to India,, They initially tried to decline my insurance claim by asking some of my documents that are not even mentioned in the policy claim form but I sent them all the documents they asked and this cost me about 600 INR for courier charges,Finally after all this hardship I have received a reply that my claim could not be processesed due to Low Bill amount which was neither mentioned in my insurance form nor informed me prior to the trip ,, And this is really a silly reason,,so never believe this scumbags
    Was this review helpful? 12
    , madurai
    Reviewed on Oct 31, 2018
  • review Travel Insurance
    "AVERAGE"
    0.5 3.0/5 "Satisfactory"
    I am holding the two wheeler policy with the NEW INDIA ASSURANCE and the process of getting this policy is easy and i have been using this policy from last 3 months. The policy coverage is for the 3rd party insurance includes. I have not experienced the claim in this policy.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Oct 16, 2018
  • review Travel Insurance
    "Good policy to use"
    0.5 4.0/5 "Great!"
    I have got the Travel insurance policy from the ICICI LOMBARD GENERAL INSURANCE company around 2 years ago. the customer support service is good with the ICICI Lombard. This policy covers myself and this policy has the coverage of Rs,15,00,000 and I am satisfied with it.
    Was this review helpful? 2
    , hyderabad
    Reviewed on Apr 04, 2018
  • review Travel Insurance
    "Claim was rejected becuase of unnescceary reason"
    0.5 0.5/5 "Unacceptable"
    I have taken a travel insurance policy for 53 days from iffco tokio and baggage got delay on the fight on the last day of policy expiration. When I try to do the claim, they are giving different excuse to give the claim. Very poor claim service. I will not recommend this insurance company to anybody.
    Was this review helpful? 8
    , new delhi
    Reviewed on Jan 26, 2018
  • review Travel Insurance
    "Very easy to get."
    0.5 5.0/5 "Blown Away!"
    It was nice of these insurance providers that they have given travel insurance for my Tour to Germany at very low cost. The benefits offered were very nice at the reasonable charges. I had face no issues in getting the insurance document timely. They are very punctual.
    Was this review helpful? 2
    , thane
    Reviewed on Oct 09, 2017
  • review Travel Insurance
    "Good for travelers"
    0.5 4.0/5 "Great!"
    Whenever I go to abroad, I take travel insurance only using my ICICI lombard. They immediately send me the policy copy. When I went to Turkey I lost my laptop, I claimed the lost amount from ICICI lombard they processed the reimbursement within a certain time period.
    Was this review helpful? 4
    , bangalore
    Reviewed on Aug 31, 2017
  • review Travel Insurance
    "RELIGARE HEALTH Travel Insurance"
    0.5 4.0/5 "Great!"
    Religare Travel Insurance Explore is indeed the best travel insurance policy in the markets these days, it offers me a peace of mind while I travel. I work in a job involving high stress levels and I often go for adventure sports. I travel worry free because religare is there.
    Was this review helpful? 2
    , bangalore
    Reviewed on May 19, 2017
  • review Travel Insurance
    "Pathetic disbursal policy- rather not take an insurance"
    0.5 0.5/5 "Unacceptable"
    Please do not buy ICICI Lombard Travel insurance for any foreign or domestic travels.They charge very high premiums but do not pay out genuine claims. I had paid a very high premium (approx.. INR 15000) for my father's travel insurance who was coming to UK for a short trip. Unfortunately, he had a cardiac arrest in UK and had to be admitted in hospital. It must be noted that he did not have any prior heart conditions. I have proofs of ECG just before his travel and doctor's diagnosis to prove that. The interesting part is: ICICI Lombardâ??s claims settlement has been outsourced to a company called FGA (Falcon India). Now their incentives are based on minimal disbursal, due to which they tend to reject even the genuine claims. Disgusting Part: A doctor representing ICICI Lombard was sent to assess the case post incident and he indicated some money to be paid to him for a report supporting the claim. When my parents refused to pay any money, a false report was prepared
    Was this review helpful? 19
    , kolkata
    Reviewed on Mar 03, 2017
  • review Travel Insurance
    "Fantastic experience"
    0.5 5.0/5 "Blown Away!"
    Very quick response from Customer care team and detailed explanation provided about the product and executive was very enthusiastically answered all the queries with great level of patience, customer care team contacted multiple times basis the requirement ...overall it was very nice experience .
    Was this review helpful? 6
    , gurgaon
    Reviewed on Jan 15, 2017
  • review Travel Insurance
    "Excellent services"
    0.5 3.0/5 "Satisfactory"
    Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
    Was this review helpful? 2
    , hyderabad
    Reviewed on Oct 27, 2016
  • review Travel Insurance
    "Religare only want new business - good luck with renewal"
    0.5 0.5/5 "Unacceptable"
    Religare is only interested in new business and not care about renewal travel insurance . Their customer care email (ironically customerfirst ?!?!?) is very badly programmed...everytime (even response to quick response) creating new case so they have excuse for new SLA to response. They don't understand that, customer is in foreign country and having risk of heavy fine/medical charges in case of not travel insurance in case of required renewal. My insurance was going to expired (which is already) on 23-Sep-2016 and I sent them renewal request on 20-Sep-2016 and on 21-Sep-2016 signed extension form but yet not received any communication back. More frustrating is, they don't have customer care phone number which can be reachable from outside India (as they have 1800- number). I will not go for them in future.....and advice other too if they have change of extension on trip.
    Was this review helpful? 6
    , mumbai
    Reviewed on Sep 24, 2016
  • review Travel Insurance
    "Really good"
    0.5 4.0/5 "Great!"
    I have taken a Travel Insurance from HDFC as I am frequent traveler. It has an accidental cover of around Rs.50 lakhs which is valid internationally as well. I pay the insurance through annual premiums online. I took this two years back and the customer service was good.
    Was this review helpful? 2
    , bangalore
    Reviewed on Mar 19, 2016
  • review Travel Insurance
    "Wonderful..."
    0.5 5.0/5 "Blown Away!"
    If I pay the premium for first year, I no need to pay the premium for three years. As this travel insurance was offered when I availed car loan. If there any accident happens while traveling the HDFC Ergo cover our hospital fee. Another option is there as they pay three months emi if we lost our job.
    Was this review helpful? 4
    , bangalore
    Reviewed on Feb 20, 2016
  • review Travel Insurance
    "Don't buy reliance"
    0.5 0.5/5 "Unacceptable"
    Because of cancelled flight, I missed my connecting flight. Had to make fresh arrangements. On trying to claim, they say no flight or taxi charges will be refunded, its only for food and stay ( normally any Arline's will provide if they cancel) Now finally they have stooped down to a level saying... The policy document (u get after you purchase policy by making payment) doesn't say it will cover missed flight, when asked its in broucher, " our terms and conditions gets modified after the payment is made" by SWARUPA MARTIN claims officer. So my suggestion is reliance don't cover missed flight, try other insurance... Its worst of all.
    Was this review helpful? 19
    , mangalore
    Reviewed on Feb 20, 2016
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