Should You Bother Getting Cruise Ship Travel Insurance?

By: Joel Sampson

Going on a cruise...ah...what a wonderful way to relax and enjoy life. You have nothing else to do in life. Your only obligation is to enjoy the trip by choosing to visit the ports of call, explore the different parts of the ship, eat delicious food and pamper yourself. Then suddenly, you get physically hurt because of an accident or you contract a virus and get sick. This is where insurance comes in. Before going on board a cruise ship passenger's insurance is very important.

Cruise ship travel insurance usually covers passenger's illness and injuries. When situations get more serious or morbid and the ship's infirmary cannot handle the case like a heart attack, some insurance policies can also cover medical evacuation. For milder and less alarming situations like cuts, sunburns and hangovers, the passengers can visit the ship's infirmary and get themselves medical attention that the ship can provide.

Going back to serious medical cases that do not necessarily immediate attention, the passenger can disembark on the next scheduled port for treatment. But for serious medicals that need immediate medical attention, the passenger can be taken out of the ship and to the nearest available hospital for treatment by a helicopter that is equipped for such situations. On either case, it sounds costly. But money is only a side issue when it comes to a person's health. The cruise ship insurance may or may not cover the medical evacuation expense.

Air ambulance is apparently very costly to the passenger of the cruise ship. Insurance policies more often than not do not cover this. Cruise lines recommend to clients to get a travel insurance most travel insurance policies cover medical expenses as well as air evacuation.

Before going on the cruise ship, insurance policies and you health needs should be reexamined. If your insurance policy will not cover the medical expenses during the trip, or it does not coverage medical evacuation, you should find an insurance company that will allow you to have a short term insurance while you go on your cruise trip. If you are a healthy person and do not expect nor see a slight possibility of being airlifted out of the cruise ship, forget about insurance coverage on medical evacuation.

However, don't complete forget about getting an insurance. Think about cruise ships and insurance. Cruise ships can provide you with many activities to keep you busy while the ship is sailing towards the next port. You might decide to add some spice in your trip. You should take into consideration the activities that you plan to do during your trip. Your plans might include some activities that have the potential to hurt you physically like scuba diving or biking.

Thinking about all those, the final decision rests on you. Only you can decide what is best for you. Before embarking on your next cruise ship journey, insurance policies should be given a second look in relation to the risks that you think you might later on encounter during the voyage. This is not something to take on lightly. Cruise ship insurance maybe needed by you at one point of the journey or it may not. Nevertheless, do not worry yourself too much about those things. You are going on a cruise. Taking cruise is supposed to be relaxing, too bad planning for it isn't.

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