Travel Safe: 3 Reasons to Get Travel Insurance for Your Cruise Voyage

Whether you’re looking for an adults-only cruise in Alaska, a cruise full of family fun in the Caribbean or a luxury river cruise in Europe, there are so many options to make your cruise voyage memorable. However, there are some additional risks cruisers need to keep in mind. From onboard injuries to weather activity, there are many reasons why you should consider purchasing travel insurance before embarking. Learn more about Allianz Global Assistance’s travel insurance solutions to protect your next voyage. 

• Accidents happen, and insurance may mean you’re covered during emergency medical situations
• Weather can be unpredictable, and insurance may cover delays and last-minute cancellations
• Things get lost, and insurance may help you recover documents and possessions

When you’re cruising, there are plenty of opportunities to explore sights and sounds on board and on the shore— however, there are also risks of medical emergencies or accidents occurring. Having comprehensive cruise travel insurance may help you prepare for the unexpected. 

Injuries and medical emergencies can happen, whether it’s a slip and fall on a wet deck, or a lesion caused from participating in recreational activities like rock climbing or snorkelling. It’s better to be safe than sorry and consider getting travel insurance to potentially cover unexpected medical expenses. 

Knowing the details of your cruise travel insurance plan is important to ensure that you have the right coverage for your unique needs when cruising. Each plan has its own specifications and may cover the costs related to emergency medical care, trip cancellation or assistance. It is important to spend time reviewing the terms, conditions, limitations and exclusions outlined in your policy to make sure you are prepared. 

Just remember: when you apply for travel insurance you should disclose any pre-existing medical conditions. You may have to answer medical questions before purchasing emergency medical coverage. It is important to be honest about any pre-existing condition or illness you have or know about at the time of purchasing your insurance policy, as failing to disclose relevant details and conditions may result in your medical claim being invalid. 

Cruising in sunny destinations is a popular winter getaway for Canadian travellers. But winter weather can make getting to that sunny departure port challenging. Weather can cause ports to be inaccessible or cause delays to your flights and the ship cannot wait for you, due to strict schedules. Even if you have bought insurance through the cruise line, your failure to make it to the departure port on time isn’t covered. Travel insurance may be able to help sun seekers rest easy with adequate coverage.

Heavy rain, winds, snow and fog can all impact your cruise and some of these may or may not be covered through insurance purchased directly from a cruise line. It’s important to have a back-up and be prepared and choosing to purchase travel insurance separately from your cruise may be helpful in these unforeseen circumstances. 

Have you misplaced your passport while settling into your stateroom? Did your bag grow legs and wander away between the flight and the cruise port? Did someone steal your important documents while in the airport? Unfortunately, these things can happen and can seriously put a damper on your vacation and your pocketbook. Having a comprehensive cruise insurance plan may help you with costs associated with replacing your lost items or documents. 

People take cruises to explore new regions and spend quality time with family and friends in a stress-free environment. It’s challenging to relax and enjoy yourself when you’re worried about bad weather, illness, lost luggage, missed flights, theft or international emergencies. Allianz Global Assistance offers plans that can help to ensure smoother sailing. Call a Flight Centre travel consultant at 1–877–967–5302 for more information on the plans and coverage available. We can give you a quote and find the insurance policy that’s right for you and your trip.

Disclaimer/Disclosure: This sponsored story was written by Flight Centre Canada in partnership with Allianz Global Assistance.

Travel insurance does not cover everything. For complete terms, conditions, limitations and exclusions, please refer to the policy. Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies, administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and distributed by Flight Centre Travel Group Canada Inc.

Allianz Global Assistance does not tolerate any attempt of fraud and considers it a serious offence. Allianz Global Assistance strictly enforces a zero-tolerance policy regarding fraud.