What does cruise travel insurance cover? | Berkshire Hathaway Travel Protection (2024)

FAQs

What does cruise travel insurance cover? | Berkshire Hathaway Travel Protection? ›

What Does Cruise Travel Insurance Cover? Most cruise insurance plans cover medical emergencies, trip cancellation, trip interruption and delay, missed connections, medical evacuation, and lost, damaged, or stolen luggage when you're on a cruise vacation.

Depending on the plan, it covers delays, cancellations, emergency medical and more while you're on a cruise or traveling to and from your cruise. Some cruise insurance plans even offer cancel-for-any-reason coverage, which provides the ultimate flexibility when your plans change.

So, what does travel insurance cover? Here's the very short answer: Cancellations, medical expenses, evacuations, loss or delays, and 24/7 assistance. These are the 5 basic types of coverage provided with vacation insurance.

Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.

Cruise cover is a mandatory add-on for travel Insurance that protects against travel risks unique to going on a cruise. These can include becoming unwell at sea or added complications if luggage is lost or stolen. With cruise cover, you pay an extra premium for extra protection in case of such events.

Available with any ALG Vacations ^® brands, our During Travel Protection covers travel delays, interruptions, and more with prices starting from $29 for ages 13 and up and $19 for ages 12 and under. Plus, trip protection can be added up to 2 days prior to departure and advisors receive 10% commission on the plan price.

Medical emergencies (59.8%) Needing to cancel a trip for an unforeseen reason (31.2%) Lengthy travel delays (5.7%)

Travel insurance policies typically exclude epidemics and pandemics. According to Allianz Global Assistance, a travel insurance provider, "Trip cancellations and trip interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered."

What will travel insurance pay out for? ›

Most policies include cover for: lost or stolen bags (with baggage cover an extra in some policies) emergency medical expenses, such as the cost of treatment and getting you home. the costs of cancelling, delaying or cutting your trip short (with cancellation cover sometimes an additional extra)

The more costly your trip, the more your provider will need to reimburse you for a valid claim, which increases the cost of your policy. In addition, plan costs will generally increase with age, as younger travelers may be less likely to file a claim than senior travelers based on overall health.

Travel insurance can protect you against the following things going wrong: cancelling or cutting short your trip for reasons beyond your control. missed transport or delayed departure for reasons beyond your control. medical and other emergencies.

Most cruise insurance plans may cover medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage when you're on a cruise. Cruise insurance can also cover cruise-ship disablement and pre-existing conditions, depending on when you buy coverage.

Cruise insurance could pay much of the cost of an emergency medical evacuation. In addition, it can also help arrange transport – not just for the patient, but for a cruising companion. That's why the U.S. State Department explicitly states, “You should strongly consider purchasing evacuation insurance.”

According to data from Berkshire Hathaway, you can expect to pay between 5% and 10% of your total cruise vacation price for insurance.

What Does Missed Connection Travel Insurance Cover? Missed Connection covers the additional transportation expenses incurred if you miss a connecting flight or cruise departure as a result of a covered common carrier delay or cancellation.

If you have a medical emergency on a cruise, the onboard medical staff may or may not be able to treat you depending on the severity of the emergency. If you need emergency medical evacuation to a more capable facility it can cost over $100,000, so be sure you have cruise medical insurance that can cover it.