Should I buy travel insurance for my cruise?

Travel insurance – like all insurance, really – can seem tricky. But really, it’s just like car insurance, health insurance, etc – you can buy it to cover unexpected expenses during your cruise. The question is, should you? Here are four reasons why I recommend that you should buy travel insurance:

  1. You’re traveling during a dicey time of year, weather-wise. If clients are traveling during hurricane season (August 1-November 30), or leaving a cold part of the country where they’re likely to get snow over the winter months, I always recommend that they take the travel insurance option. During hurricane season, your cruise can be shortened or lengthened by weather – or it may even end up at a different port than you left from! Travel insurance will cover the extra expenses you might incur in a case like this one, such as the need for additional hotels or changes in air travel.
  2. You’re a worrier. Whether you admit it to yourself (and others), like my friend Jill over at FindingJillian, or whether you like to keep it under wraps, if you’re a worrier, you should buy travel insurance. Simply put, insurance will allow you to travel without some of the concerns you might otherwise have about travel interruption, unexpected medical expenses, etc.
  3. You’re going a long way. I always recommend travel insurance to my clients who are going to Alaska, Europe, and other far-from-home areas for their cruise. Why? Because travel insurance will cover your costs to return you home if you run into a medical emergency on your trip – for this alone, I feel like the investment is worth it. I’ll never forget the story of the terminally ill woman who was stranded in a hospital in Alaska, far from her family, because she hadn’t taken out the insurance. (fun fact: One of my grad school classmates wrote this news story!) Which brings me to #4…
  4. You have existing health issues (or are prone to them). Cruising is a great way to travel because it’s low-impact, and it allows a lot of people to see the world who might not be able to travel in other ways. But if you know your health is not great, or that there’s a possibility that something might go wrong on your cruise, always take out the travel insurance. Even if you never use it, you’ll be reassured knowing that you have it.

 

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