Should I Add Vacation Protection on My Cruise?

By Anna Duncan

If you are planning to take a cruise, one of the questions you may be asking yourself is whether or not to add vacation protection. While it may seem like an unnecessary expense, there are several reasons why vacation protection can be beneficial. In this article, we will explore the pros and cons of adding vacation protection to your cruise booking.

What is Vacation Protection?

Vacation protection is essentially an insurance policy that covers you in case of unexpected events before or during your trip. This can include things like trip cancellation, medical emergencies, lost luggage, and more. When you purchase vacation protection, you are essentially paying for peace of mind knowing that if something goes wrong, you will be covered.

The Pros of Adding Vacation Protection

  • Protection from Cancellation Fees: One of the biggest benefits of vacation protection is that it can protect you from cancellation fees if you need to cancel your trip due to unforeseen circumstances such as illness or a family emergency.
  • Medical Coverage: Vacation protection can also provide coverage for medical emergencies that may occur during your trip. This can include things like emergency medical treatment and evacuation.
  • Luggage Coverage: If your luggage is lost or stolen during your trip, vacation protection can provide coverage for replacement items.

The Cons of Adding Vacation Protection

  • Additional Expense: Perhaps the biggest drawback of vacation protection is that it does come at an additional cost. Depending on the level of coverage you choose, this cost can add up quickly.
  • Potential Overlap with Existing Coverage: Before purchasing vacation protection, it’s important to check if any of the coverage overlaps with existing insurance policies you may have.

    For example, if you already have medical insurance, you may not need to purchase medical coverage through your vacation protection.

  • Exclusions and Limitations: Like any insurance policy, vacation protection may have exclusions and limitations that could impact your coverage. It’s important to read the fine print and understand exactly what is covered before making a decision.

Conclusion

Ultimately, whether or not to add vacation protection to your cruise booking is a personal decision that should be based on your individual circumstances. While it can provide valuable coverage for unexpected events, it does come at an additional cost and may not be necessary if you already have existing insurance coverage. If you do decide to purchase vacation protection, be sure to carefully review the policy and understand exactly what is covered so that you can fully benefit from the added protection.