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It will give you peace of mind before setting sail, when signing up for that adventurous land excursion and when clicking "Book" for an expensive vacation in the COVID travel landscape. Before buying this coverage, compare your options against your credit card benefits. You might also shop for general travel insurance policies to see if you can get a better deal than what’s offered through your cruise line. Standalone travel insurance policies can be purchased to cover one person or a family for a specific trip or multiple trips within a period of time. These policies are available at a variety of price points to meet a traveler's budget.
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If you're traveling multiple times within a short period of time, it may be more economical to buy a more comprehensive travel insurance policy instead of separate policies for each trip. Deciding if you want to protect your trip probably depends on your budget. If you can afford a worst-case scenario without protection, then maybe you won’t need to purchase travel insurance for cruises.
What to consider if you buy a separate cruise travel insurance policy
If your main fear is cancelling, Disney’s insurance plan is a great option and has a cancel for any reason clause. In my opinion, it’s the number one reason to get insurance through Disney. If you have a pre-existing condition, for many policies you need to buy insurance within 14 days of your deposit for that condition to be covered. Of course, because it’s non-refundable, that’s a risk if you are booking a cruise you’re not positive you will take. Disney’s insurance plan is also not a good option for you, as it does not cover pre-existing conditions. If you’re not worried about a pre-existing condition, you have a lot more leeway on the when.
Cruise Travel Insurance: Is It Worth the Cost? - NerdWallet
Cruise Travel Insurance: Is It Worth the Cost?.
Posted: Tue, 22 Aug 2023 07:00:00 GMT [source]
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It’s not cheap, but it’s a whole lot less than buying insurance even two or three times a year. We examined cruise insurance prices for a seven-day trip in February 2023 from the U.S. to Mexico. The example traveler was 35 years old, from Georgia, and planned to spend $2,500 on the trip, including airfare. All trip insurance plans have a "Free Look" period that starts when the plan is purchased and lasts between 10 and 15 days (check your plan details). Allianz Global Assistance offers quite a bit more coverage for your Disney Cruise travel insurance than the DCL protection plan. There are other respected insurance options like Travel Guard, which has policies specifically geared toward cruise trips.
What does cruise travel insurance cover typically?
If you have a pre-existing condition, you'll want to purchase within 14 days of your first deposit, in order to meet an important condition for having pre-existing conditions covered. Another important factor to consider is COVID-19 protection, as not all insurance plans include it. You will want to consider what happens if you get sick before the sailing or onboard since you may have to find accommodation if you are not able to travel for a period of time.
Smooth Sailing: Your Guide to Cruise Travel Insurance [2023] - Upgraded Points
Smooth Sailing: Your Guide to Cruise Travel Insurance .
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Cancel For Any Reason coverage
In other words, it’s not Mickey’s Travel Insurance LLC, it’s a plan Disney purchases through a separate insurance company. But, we will call it Disney’s insurance plan for clarification. It will often be more expensive to go through Disney, but not always. One great thing about Disney’s insurance plan is that it does not take age into account, so sometimes with older guests, it’s cheaper to buy it directly through Disney. Disney’s insurance plan, however, offers at least one other perk that may make it worth it to you which I discuss below. If you really want to ensure coverage, paying for a Cancel For Any Reason might be even better.
Make sure you choose a policy that covers it. Are you worried about a pre-existing condition? Are you worried about flight delays and bad weather? The same goes for anything else that worries you! There are so many options out there, odds are you’ll find one that fits both your concerns and your budget. Check with your bank to see what’s covered.
You can buy insurance up until the day before you leave from many companies. I don’t necessarily recommend that, but it is possible. One of the main risks you are taking in that case is a different kind of pre-existing condition.
Insurance is important for so many reasons on a cruise. Take a seven-night stay during the week of Christmas 2022 for a family of four (two adults and two children) at Disney’s opulent Grand Floridian Resort & Spa. Book it alongside six-day theme park tickets with all the add-ons — like water park admission — and you’d pay about $12,000.
When comparing policy options, you can balance price versus coverage options. If you already have a standalone travel insurance policy or a credit card with travel protections, you may wonder if you need to purchase a cruise travel insurance policy. Many credit cards provide sufficient travel protection that can help you in the event of a delay or cancellation. It can even help if you arrive on time, but your bags do not.
There are many providers of travel insurance, and often, cruise companies will recommend a partner when making a reservation. Those are often best since the cruise line has a history of working with that company and has considered the intricacies of the various ports its ships are visiting. I Travel Frequently, is There a Better Option?
There are exceptions, so definitely check your coverage, but as a general rule they do not. Keep in mind that with travel insurance you are not just purchasing additional health coverage. You are also purchasing insurance for travel delays, trip interruptions, lost baggage, flight problems, etc. Some credit cards offer travel insurance as a benefit, as long as you purchased the trip on that card.
Travel insurance can save you when you’re in a pinch, and cruises are especially important to protect. It’s recommended to arrive one day before the departure of your cruise to allow for any delays because if you arrive late to the departure point, the ship may have already left. I even used my trip insurance one time to get reimbursed for having to spend the night in Seattle when weather prevented us from getting to Vancouver from Colorado for an Alaskan cruise. No snow, no storms, just a windy day! Just remember, a cruise isn’t like a normal vacation where you can just go a day late should travel delays or weather occur. If you miss the ship, you miss your vacation!
Many travel credit cards include travel protections such as trip cancellation, interruption, delayed or lost luggage reimbursement, and emergency evacuation benefits. Before buying a cruise travel policy, compare the coverage benefits and limits to determine if you already have coverage with a credit card. Which Insurance Company is Best? – There’s no easy answer here. I have personally used and can recommend Disney’s insurance plan, USAA’s policy, and Allianz. There are other great companies out there though.
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