Cruises are an excellent way to relax and unwind. They offer a chance to see the world from a different perspective, and the amenities onboard can be downright luxurious. However, like any other form of travel, things can go wrong.
That’s where cruise insurance comes in. But, how much should cruise insurance cost? Let’s take a closer look.
What is Cruise Insurance?
Cruise insurance is a type of travel insurance that is specifically designed for cruises. It covers you for things such as trip cancellation, medical emergencies, lost or stolen baggage, and more.
Factors that Affect the Cost of Cruise Insurance
The cost of cruise insurance can vary significantly depending on a few factors. These include:
- The length of your cruise
- The destination(s) you will be visiting
- Your age
- Your overall health
- The level of coverage you require
How Much Should You Expect to Pay?
The cost of cruise insurance can range from a few dollars per day to hundreds of dollars for longer trips with more comprehensive coverage. On average, though, you should expect to pay between 5% and 10% of the total cost of your trip.
For example, if your seven-day Caribbean cruise costs $1,500 per person (excluding airfare), you might pay between $75 and $150 per person for cruise insurance.
Is Cruise Insurance Worth It?
Ultimately, whether or not cruise insurance is worth it is up to you. Consider your individual circumstances and what risks you may face while on your trip. If you’re traveling with expensive equipment or have pre-existing medical conditions that could flare up at any time, then it might be worth investing in comprehensive coverage.
The Bottom Line
Cruise insurance can offer peace of mind while you’re on your trip. However, it’s important to weigh the cost against the potential benefits to determine if it’s worth it for you. Remember, the cost of cruise insurance can vary significantly depending on several factors, so be sure to shop around and compare policies before making a decision.
Stay safe and happy cruising!