What Insurance Do You Need for a Cruise Ship?

By Michael Ferguson

Cruise ships are a popular and exciting way to travel. Whether you’re sailing around the world or taking a short weekend break, it’s important to make sure that you’re properly insured when booking a cruise. Having the right insurance can provide invaluable peace of mind and protect you from any unexpected costs or losses that may arise during your voyage.

What Type of Insurance Do You Need?

The type of insurance that you need will depend on the type of cruise you are taking. If your cruise is part of an organized package, then it is likely that the company will have included some form of basic insurance in your booking.

However, if you have booked your cruise yourself, it is important to check what type of cover is included in the policy. Generally speaking, most cruise companies offer basic medical and accident cover for their passengers as standard.

You should also consider purchasing additional travel insurance to cover any other eventualities such as trip cancellation or interruption, lost or stolen luggage and belongings, emergency medical expenses and more. Many insurers also offer specific policies for cruises which give additional protection such as missed port departure protection and financial protection if your ship is damaged.

When Should You Buy Cruise Insurance?

Ideally, you should purchase your cruise insurance as soon as possible after booking your trip so that you can be certain that all eventualities are covered. The earlier you purchase your policy, the more comprehensive it will be and this can help to give you peace of mind before setting sail.

Conclusion

Cruise holidays are an exciting way to travel but before setting sail it’s important to make sure that you’re properly insured.

Depending on the type of cruise booked different types of cover may be available from the company but often additional travel insurance should also be purchased for extra security. To ensure adequate protection it’s best to purchase cruise insurance as soon as possible after booking your trip.