Cruise Travel Insurance for Seniors: A Step-by-Step Guide

cruise travel insurance for seniors

The golden years of your life should be spent in a tropical paradise watching golden sunsets. We’re serious! You’ve worked hard for decades. Now it’s time to travel, experience, and bask in the sunlight.

There aren’t many better choices for traveling than cruises. From the sandy Caribbean to the stunning Alaskan forests, cruises offer a perfect vacation for any interest or lifestyle. We’re particularly fond of European river cruises, but that’s just us.

There are a couple of important things to consider when you’re cruising as a senior, though. The first is insurance. This isn’t the most exciting topic, but having a solid understanding of your travel insurance options pays dividends when it comes time to embark.

Join us as we explore your cruise insurance options, and make sure to take a look at our senior travel insurance guide too.

Cruise Travel Insurance Basics

Cruise travel insurance is useful for a number of reasons. When recommending policies for cruise travel, we make sure each policy includes coverage for missed connections, trip cancellation, emergency medical evacuation, and general medical expenses.

Missed connection coverage protects you against missing the boat, literally. If your flight is delayed due to a crazy winter storm and you don’t make the cruise departure, missed connection coverage would provide reimbursement for lodging, meals, and the additional transportation costs to meet up with the boat.

Cruises are usually a larger financial investment, especially if you’re traveling abroad to meet up with the ship. Trip cancellation coverage protects the amount of non refundable, prepaid deposits for your trip if you have to cancel for an unforeseen reason. This would include your flights, hotels, cruise deposits, or any other travel cost that you wouldn’t be getting a refund for if you have to cancel. Make sure you add up this amount and enter it as your “Trip Cost” when quoting travel insurance.  

Emergency medical evacuation protects you if you’re hurt and need to be evacuated to a hospital. While cruise ship physicians are incredibly skilled, they’re not always able to treat every medical emergency. The same goes for doctors in the various ports along your cruise. If you’re injured for whatever reason, 24/7 emergency medical assistance is a phone call away with every comprehensive policy. .

General medical expense coverage protects you from incurring charges for medical treatment on the ship itself. A little-known fact of cruising is that you’re charged if you need to visit the on-ship doctor, as well as for any prescriptions you receive. Protecting your wallet with general medical expense coverage is a smart idea. Just make sure to keep those receipts to file a claim when you return home!

Now that we’ve touched on the basics of what cruise travel insurance is and what it covers, let’s look at the unique benefits it offers to seniors.

The Benefits for Seniors

There are a lot of benefits to cruise travel insurance for seniors, the most immediate of which are that it can save you a significant amount of money. You’re covered for everything from medical expenses to missed connections to cancellations and interruptions. In fact, cruise travel insurance can save you so much money that we included it in our list of tips first time cruisers need to know.

If you’re worried a pre-existing condition might flare up again while on your cruise vacation, make sure you purchase your travel insurance policy as soon as possible after you place your first trip payment or deposit. Most cruise travel insurance policies include a Pre-Existing Condition Waiver, but only within a certain time period, usually fourteen to twenty-one days, after that first deposit is made.  

Both of these benefits hint at our personal favorite benefit, which isn’t immediately apparent. Cruise travel insurance offers peace of mind. You don’t want to worry about racking up expensive medical charges or stress over what happens if you miss a flight. That’s not why you went on vacation. You’re trying to get away from it all, not add another headache to your life.

Whatever cruise you’re planning, and whatever type of coverage you’re looking for, we’re here to help. Contact us today for a custom cruise travel insurance quote!

Get an instant travel insurance quote!