Cruise Travel Insurance: Is It Worth the Cost?

Table Of Content

• My Personas
• I sailed on Royal Caribbean's Icon of the Seas. These were my 8 favorite amenities on the world's largest cruise ship.
• Does all travel insurance cover cruises?
• TRAVEL DELAY COVERAGE3
• News
• Royal Caribbean Vacation Protection Plan: What You Need to Know
• How to purchase Royal Caribbean travel insurance

She also has an editing background and has hosted personal finance podcasts. The cost of internet service can vary based on the length of your cruise, your cruise line, and other factors. But usually, you're looking at somewhere in the vicinity of $20 per day. All guests booked for the original Labadee visits will receive automatic cancellations and refunds of any pre-paid activities to their onboard accounts. The purpose of insurance is meant to provide peace of mind in the unlikely event that an unexpected event occurs before, during, or after your trip and protects you against any major financial losses.

My Personas

It has superior coverage over Royal Caribbean’s policy at minimal additional cost. A significant concern for senior travelers can be pre-existing medical conditions. Most travel insurance policies exclude pre-existing conditions unless you purchase the policy within the required time period from your initial trip deposit date (called the Time Sensitive Period). Otherwise, the insurer will look backward 60, 90, or 180 days (depending on the policy) from the date you purchased the insurance to see if there are any pre-existing medical conditions they won’t cover.

I sailed on Royal Caribbean's Icon of the Seas. These were my 8 favorite amenities on the world's largest cruise ship.

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"It left a really bad taste in my mouth on that policy," said Perrey, a minister based in St. Charles, Missouri. "We love Celebrity, we're going to keep cruising (with) Celebrity ... but I'm not buying their insurance." After all, every type of insurance is basically a bet between you and the insurance company whether something will happen on your trip.

Does all travel insurance cover cruises?

They make it simple and easy to see how plans differ, and often do a much better job of explaining what the coverages are without legal speak. In that scenario, cruise insurance does not cover it, because your trip is still happening. The only situation in which an insurance policy would allow you to cancel at the last minute because you do not wish to sail is a "cancel for any reason" plan. Cancel For Any Reason cruise insurance provides the highest level of flexibility and reimbursement if you must cancel your trip for any reason not covered by the policy. The John Hancock Silver (CFAR 75%) policy can cover all travel arrangements, regardless of where you booked them.

Travelers planning a Royal Caribbean cruise vacation will find the best value for their money and peace of mind when they shop for travel insurance at Cruise Insurance 101 Travel Insurance Marketplace. There, you can review dozens of options and select the best policy to fit your needs. If you cancel your Royal Caribbean cruise for a reason not listed in their travel policy, they grant future credits for 90% of the prepaid, non-refundable cancellation fees paid to them. Credits expire after one year, are non-transferrable and not redeemable for cash. Royal Caribbean, not their insurance policy, provides this part of the Travel Protection Program.

The Vacation Protection Plan is an all-encompassing travel insurance plan that covers a range of potential issues that might occur during your trip. It includes medical coverage, baggage protection, and emergency evacuation coverage, among others. Purchasing this plan ensures your holiday is safeguarded against unexpected mishaps. 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.

News

Unfortunately, Royal Caribbean’s list of cancellation reasons lacks some important coverages. When traveling outside the United States, we recommend a minimum coverage of $100,000 in Medical Insurance, $250,000 in Medical Evacuation, and a Pre-existing Medical Condition Waiver. Since the Royal Caribbean Travel Protection Program includes their Cancel For Any Reason benefit as standard, we compared their policy to our Cancel For Any Reason (CFAR) plans. Despite what the name would imply, Royal Caribbean doesn’t only sail in the Caribbean. This premiere cruise line will take you across the seas to dream destinations from Alaska to the Amalfi Coast. With so many places to explore far from home, Royal Caribbean understands the importance of travel insurance.

By purchasing this coverage you are covered for a wide range of events (many detailed below) that could otherwise cost you significant money without insurance. It’s important to note that trips longer than 45 days are excluded from coverage under these plans. Unless you’re planning six back-to-back cruises in a row, this shouldn’t be an issue for most travelers. The two most popular credit cards offering travel protections are the Chase Sapphire Reserve card and the American Express Platinum card. There are many kinds of cruise insurance policies to consider, so it's not a blanket purchase either.

How to purchase Royal Caribbean travel insurance

Royal Caribbean Travel Protection Program cruise insurance provides travelers with a minimal insurance policy and could leave travelers unpleasantly surprised during an emergency. Medical coverage and medical evacuation limits are low, and there are a limited number of covered cancellation and interruption reasons. One benefit that cruise travel insurance policies offer that credit cards don't is the ability to cancel for any reason.

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This could include flights, hotels, rental cars, excursions and transfers. Not all travel insurance policies cover cruises, so it is important to check the policy details carefully before purchasing. The Royal Caribbean Travel Protection Program is specifically designed for cruise vacations and offers many benefits tailored to the unique needs of cruise travelers. Thanks to Aon Affinity’s expertise in the travel insurance industry, Royal Caribbean can offer its guests a comprehensive travel protection program that meets their needs. The partnership between Royal Caribbean and Aon Affinity gives guests the assurance they need to enjoy their vacation, knowing they’re covered against unforeseen disruptions to their travel plans.

Next, we broke down the benefits of each policy in a side-by-side comparison.

With coverage for cancellation, evacuation, and more, you can have peace of mind knowing you’re protected in case of emergencies. This level of risk assessment can void a portion or all of a travel policy, even if already purchased. Some cruisers have expressed concerns about the lack of transparency as it relates to insurance coverage in the current situation. A September 2022 survey of 737 past cruisers by InsureMyTrip found that the average trip cost for an insured cruise vacation so far this year is $6,367, an increase of nearly 15% from before the pandemic. Cruise travel insurance is add-on insurance coverage that — just like travel insurance — will reimburse you for delays, interruptions, medical situations or other problems during the cruise.

However, some benefits may not be available if you do not purchase the plan at the time of booking. This coverage allows up to $50,000 for emergency transportation via air or land if you fall sick or get injured during your trip. Whether the Vacation Protection Plan is a valuable addition to your holiday depends on your circumstances. If you have non-refundable expenses or worry about unexpected incidents, the plan may offer valuable protection.

The first is the Cancellation Penalty Waiver, which allows guests to cancel their vacation for specified reasons. It also includes a "Cancel for Any Reason Credit" that can be added for an additional cost. But when he tried to help his in-laws – who had joined him, his wife and his parents on the cruise, and also purchased insurance through the line – get reimbursed, he had no such luck. Worst yet, medical emergencies aboard a cruise can rack up serious bills.