While many cruise lines offer cruise insurance at the time of booking, smart travelers know to shop for their cruise travel insurance. You don’t have to buy it directly from the cruise line, and buying it someplace else may give you even better benefits
and greater protection.
Why Choose Cruise Travel Insurance
As experienced cruisers can tell you, there are many things that can go wrong during a cruise vacation. When you purchase cruise insurance directly from the cruise line, you are likely only insuring the cruise itself using cruise cancellation insurance.
This may leave nearly every other part of your trip uncovered, such as:
- Airfare to and from your port of embarkation
- Flight delays that cause you to miss embarkation
- Extra hotel nights to arrive early
- Medical coverage in an emergency
- Lost, stolen, or damaged luggage
With a cruise trip insurance plan from Arch RoamRight, your entire trip is protected – from the time you leave home until you return. This means that if you miss a flight connection and therefore miss embarkation, you’re eligible for coverage. Arch RoamRight’s
cruise insurance may cover you if you can’t travel for any number of reasons, if you lose your luggage, and even if your flight is cancelled.
Cruise Insurance That Includes Travel Medical Insurance
While you may be more concerned about protecting the funds you paid out for the cruise, you should also consider the importance of travel medical insurance. A complicated medical emergency may require an evacuation from the cruise ship or from a port-of-call,
and those costs can add up quickly.
One Arch RoamRight traveler recently was aboard an idyllic Antarctic cruise when he started experiencing high blood sugar, seizures, and an inability to walk or stand; all complications from diabetes. The traveler was transferred to a small United States
research station with a six-bed hospital. When it was discovered that the research station did not have the ability to provide adequate care, the traveler had to again be transferred – this time via urgent aircraft – to Australia.
The traveler was treated in Australia, and flown home to the United States once he was determined to be medically fit to fly.
In total, the traveler accrued more than $200,000 in expenses, all of which was covered by his Arch RoamRight cruise trip insurance policy, which cost him less than $100.
Fortunately, most travelers will not experience such a situation. However, for the rare occurrence of a significant medical emergency while traveling, the savings add up quickly.
With Arch RoamRight travel medical insurance, you’ll have access to a team of worldwide medical experts available 24/7. If you need medical care in a foreign country, this team can help you find the closest, most appropriate physicians and hospitals.
So you can rest assured that you’ll be taken care of.
Cruise Credits vs. Claims Payments
In addition, the cruise cancellation insurance offered by many cruise lines will often only offer reimbursement in the form of a credit. If you aren’t able or planning to take another cruise, then a credit is not useful. In fact, it forces you to plan
a future vacation with the same cruise line.
When you choose cruise insurance from Arch RoamRight, any approved claims will be paid by check. So you’ll be getting actual money back. Maybe you’d rather take a train someplace instead of a cruise next time. Now, you can!
Arch RoamRight knows you will have specific cruise insurance needs for your specific trip. The most suitable plans for a cruise vacation are the Pro and Pro Plus plans. If you plan on doing activities such as SCUBA diving, you may also want to consider the Hazardous Sports Upgrade.
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