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Cruise Insurance

There are often questions as to whether or not ‘normal’ travel insurance covers you when you’re on a cruise, and whether that gives cover for extras. Obviously each different insurance policy can be different; but  I’ve just been able to check my Staysure Annual Multi-trip Comprehensive policy wording, and this is what I’ve found:

a) when taking out the policy you have to include cruise cover, and this has to appear on the Validation document, if you’re going on a cruise. If you don’t do this they explicitly say (in the general policy introductory section) that “Cruise trips are not covered under this policy unless you have selected this option and paid the additional premium… ‘Cruise: Covered’ must appear on your Validation certificate”;

b) However, although this does cost a bit extra, it just extends the normal cover to when you’re on a cruise. The reason for requiring the extra payment to extend the policy to include cruises is that the potential costs to the insurance company in the event of a claim can be very high. For example, if you’re taken ill on a cruise while at sea, and the medical centre thinks you need to be evacuated, then that’s a helicopter job plus perhaps also requiring the ship to divert to meet the helicopter, and that’s really, really high cost. Hence the requirement for an extra payment;

c) in addition there’s the voluntary “Cruise Plus” add-on – this will cover you for missed ports, cabin confinement, etc. This is another extra cost, of course.

Our choice is to add the basic cruise cover (obviously) but to not bother with the Cruise Plus add-on.

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