Sometimes the cruise ship or even the nearest hospital isn’t equipped to provide the proper treatment you need while suffering from an injury or illness. Medical Evacuation Coverage would provide transportation to a nearby facility that offers appropriate medical care.
Example: On a Mediterranean cruise to the Greek Islands, you stumble while chasing your 5-year-old son poolside and break your arm. You call the 24/7 emergency assistance number associated with your travel insurance plan, and you are immediately airlifted from the next port to a nearby hospital for treatment. Your transportation back to the ship is arranged by your policy’s emergency service provider, so you can rejoin your family for the remainder of the cruise — ideally with a waterproof cast.
You’ll want to make sure your plan provides coverage for lodging, meals, and transportation to rejoin the cruise if your flight is delayed because of weather or an accident, causing you to miss the initial departure.
Example: While heading out on your Mediterranean cruise you’ve been saving for, a winter storm delays your flight and you miss the cruise’s departure out of Rome. Missed Connection coverage would provide reimbursement for that unexpected hotel stay, meals, and your flight to the next beautiful port town to rejoin the ship.
Make sure your non-refundable trip costs (such as flights, hotels, and cruise deposits) are protected if you become ill, a family member passes away, or there’s a natural disaster at your destination and you’re forced to cancel your cruise this time around.
Example: After booking a much-anticipated cruise to Spain and France, a family member falls extremely ill the week of your departure and you’ll need to cancel. Thankfully, you booked a comprehensive travel insurance policy with Trip Cancellation coverage. You’ll receive reimbursements for those non-refundable trip payments so you can begin rescheduling your trip for a better time.