Last Updated on 1/6/2022
More often than not, when you’re selecting a cruise, there are several steps you have to go through in order to get your travel plans squared away. Flights to your departure port and back, a hotel for the night before, deciding which cruise package is best for you…you get the picture. So it can be very tempting to buy cruise travel insurance when the cruise line prompts you to during the booking process. You know…when you’re about to confirm your purchase and you see that little box that asks if you want to tack on expensive travel insurance?
To show you what we mean, we compared general travel insurance and insurance supplied by cruise companies and airlines and discovered that there are major disparities in plan costs and coverage for emergency situations in particular. In particular, as compared to cruise-offered insurance plans, similarly priced general travel insurance quoted:
In general, cruise-offered travel insurance may also lack some standard coverage categories, including security evacuation, missed connections, itinerary change benefits, and change fees. In addition, while most major cruise and airline policies include the most basic coverage, many lack the ability to add or increase coverage, so you can’t alter the plan based on your specific needs. That’s detrimental when you are traveling to many different places and engaging in all sorts of activities while on your cruise.