Can I Afford or Do I Need Cruise Insurance?
A better question might be, can you afford not to? Cruise insurance is definitely something you should consider when planning a cruise from Galveston. The unforeseen can occur, leading to a cruise interruption, delay, cancellation, or missed cruise, and depending on the timing and situation, this could lead to losing a portion, if not all, of your cruise fare.
Luggage
There’s also the probability of lost, damaged, delayed, or stolen items or luggage. Depending on the insurance policy, reimbursement costs up to specified amounts could make all the difference while vacationing.
Medical Insurance
Unknown to cruisers, private medical insurance does not cover medical costs for domestic or international cruises. Should you become ill, injured, require an emergency medical evacuation, be required to return home when medically evacuated, or suffer accidental death, cruise insurance can provide peace of mind and cover approved medical costs up to specified policy amounts.
Cruise Line Insurance
Some cruise lines offer various percentages of future cruise credit (FCC), with or without insurance, and have specific parameters for use and expiration dates for that particular cruise line. If a passenger has cruise insurance, it can provide peace of mind and sometimes full cruise fare compensation when life happens. Your preferred cruise line can provide cruise insurance options, policy details, and the applicable claim eligibility.
Third-party and Credit Card Travel Insurance
Cruisers can also choose third-party policies or use credit card travel insurance if the credit card company provides travel insurance as a cardholder benefit. Be sure to review your travel benefits if you are a premium cardholder.
While planning your cruise from Galveston and before cruising out of Galveston, make sure you are aware of all of your options so that you can make an informed decision to meet your travel needs and of those traveling with you. Consider cruise or travel insurance, and the peace of mind it affords. While traveling, the unexpected can occur, and without cruise or travel insurance, you may lose much more than the added insurance cost.
