It is important to consider the various types of travel insurance when planning a cruise. Many things can go wrong both before or during the cruise. Like any type of insurance, there are different packages of travel insurance available. The most common types are primary and secondary. Both types cover the same
range of potential problems but differ in the claim process and efficiency. Primary travel insurance provides fast service but also costs considerably more.
The following steps will help you to choose the travel insurance package that is correct for you on your next cruise.
Instructions
1Consider what insurance policies are already in place. Check into what homeowner or renter’s insurance covers. Many of these policies will cover theft or damage to property even when not in the home. Determine whether travel insurance will be your only line of defense against these occurrences while abroad.
2Start by selecting the main type of travel insurance. The two types are primary and secondary. The difference is that primary insurance covers anything that happens before or during your trip, without any delay in processing. Secondary insurance is supplemental; in the case of a claim, the secondary travel
insurance will require you to exhaust all other options before a claim will be processed. Make your decision based on other insurance policies you have in place and the price difference.
3Check into what the travel insurance plan covers. Some things are standard. Make sure the plan covers illnesses (before and during the trip), natural disasters and unforeseen events that cause the trip to be cut short. Check the fine print to make sure a “primary” travel insurance package doesn’t have exceptions. For example, some primary packages cover everything except a few things, such as theft, which are considered secondary. In the case that one of these exceptions occurs, the insurance would require other insurances to be tapped first. Make sure you are getting the plan that you want and are paying for.
4Look into extra features of the plan, like meal and lodging reimbursement. This comes into play in the event a cruise has to end prematurely. You may find yourself let off at an unexpected port and have to find a place to stay. A travel insurance plan with meal and lodging reimbursement will cover these expenses up to a certain dollar amount per day.
5Consider the cruise line’s travel insurance, but don’t hesitate to do some research out of the network. Many cruises offer secondary packages only. Sometimes a primary package with better coverage can be obtained for less than the cruise line’s secondary package. Use the Internet to browse your options and make an educated decision.
6Be prepared to purchase the travel insurance at the time of booking the cruise and paying the deposit. While insurance is typically available for two weeks after booking, most travel insurance companies will waive the preexisting condition clause if the policy is purchased immediately. This means that the insurance company will not check medical records to find out illnesses that you have had and exclude them from coverage. If you wait and book later, they will look into your medical history at least three or four months prior. Any conditions contracted during that time will not be covered by the insurance package.
From insurance line, post How to Decide Which Trip Cancellation Insurance Is Best for You and Your Cruise
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