​​Your Cruise Insurance Questions, Answered Fast
Why isn't regular travel insurance enough for a cruise?
Cruises involve unique risks that a basic policy might not cover. These include missing your port departure due to a flight delay, sudden itinerary changes made by the cruise line, or needing emergency medical care while at sea, far from land-based hospitals. Specialized travel insurance for a cruise is built to handle these specific situations.
What is 'Missed Port of Call' coverage?
This is a key benefit that can help you catch up to your cruise if you miss the initial departure for a covered reason, like a cancelled flight. It can help cover the costs of transportation, hotels, and meals needed to get you to the next port on the itinerary so you don't miss your whole vacation.
Is cruise ship health insurance for Canadians different?
Yes, and it's incredibly important. The medical clinic on a cruise ship is private, not covered by your provincial plan, and can be very expensive. For serious issues, a complex emergency evacuation off the ship might be required. Proper cruise ship health insurance for Canadians ensures you are covered for these high costs.
Does it cover my pre-paid shore excursions?
It certainly can. If you have to cancel your trip beforehand or if your journey is interrupted, the Trip Cancellation & Interruption benefits in your policy can reimburse you for non-refundable, pre-paid costs, which often includes shore excursions booked through the cruise line.
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The Problem: A couple from Toronto had their flight to Miami delayed by a winter storm, causing them to miss their cruise departure. The Solution: Their cruise insurance policy included 'Missed Port of Call' and 'Trip Interruption' benefits. The Result: The policy covered a last-minute flight to the first port in the Bahamas and a one-night hotel stay, allowing them to join their cruise and only miss one day of their vacation.
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Your Essential Next Step
Now that you understand the key benefits of cruise insurance, your essential next step is to learn more about our comprehensive Trip Cancellation & Interruption Coverage, which forms the core of a great cruise policy.