What Does Cruise Insurance Cover?

Travel insurance for a cruise doesn’t work quite like it does for an all inclusive resort where you get back every penny, less the cost of the insurance, no questions asked.   

Cruise insurance is good to have, but there are stipulations that must be met, claims to be filed, etc., so just be in the know and then you can decide whether “Cruise Care” is for you. 

NCL has about the best cruise ship insurance of all of the cruise lines.  

Here’s what’s generally covered under a cruise ship insurance plan.  

Any vacation should be hassle free, and worry free. Like every other part of your cruise, it should be easy to relax and do nothing but look forward to a great vacation. Travel plans can be disrupted by the unforeseen, so Travel Protection is offered to help cover the cost of:

  • Trip cancellation
  • Trip interruption
  • Lost luggage
  • Trip and baggage delays
  • Medical expenses
  • Emergency medical transportation

Plus the access to a 24-hour hotline offering worldwide travel assistance.

You’re covered for trip cancellation, trip interruption and trip delay.

Reimbursement for the prepaid, non-refundable, unused portion of your vacation should you need to cancel or interrupt your vacation due to unexpected illness, injury, job termination and other covered reasons as listed in the plan. The plan also covers additional out-of-pocket expenses for meals and accommodation, as well as for travel expenses to catch up to the vacation due to covered travel delays. Best of all, if your reason for cancellation is not covered for reimbursement under the plan, we provide you with a credit for a future cruise.

 

Your baggage and personal effects are covered.

Coverage for loss, theft, damage or delay of your luggage and personal belongings brought with you on the cruise.

You’re covered for medical expenses and emergency medical transportation.

Medical expenses incurred as a result of illness or injury that occur during your vacation; The plan also provides emergency medical transportation coverage to transport you to the nearest appropriate medical facility to treat your condition. This coverage is especially important, as your HMO/PPO or Medicare may not provide coverage when you are traveling outside the United States, nor may they provide coverage for an emergency evacuation. The plan also provides medical expense coverage for up to 52 weeks following your vacation for any additional medical expenses related to the illness/injury that occurred while you were traveling.

You’re covered 24/7 around the globe. Services provided by On Call International.

International, around-the-clock hotline with services including weather and travel advisory information; lost luggage and travel document assistance; cash transfer assistance; emergency medical and legal referral assistance; travel arrangement assistance; and medical consultation and monitoring.

Get added coverage with Platinum Travel Protection.

Guests who upgrade to Platinum Travel Protection will receive all the benefits of the base plan at double the standard coverage limits for the following: baggage/personal effects, medical expenses, emergency evacuation, and repatriation benefits.

This is only a brief description of the plan. For a summary of terms, conditions and exclusions.

Frequently Asked Questions

WHAT IS THE COST?
Travel Protection Plans generally start at $29 per person, depending on the cruise fare paid.

WHEN CAN I BUY TRAVEL PROTECTION?
May be paid at any time from deposit up to and including final payment; however, trip cancellation coverage takes effect only upon payment of your Travel Protection cost. All other coverage is effective upon your departure for your trip. Payment of your cruise fare deposit without Travel Protection will not activate your coverage.

WHO WILL HELP ME WHEN I NEED IT?
On Call International services the plan’s 24-hour hotline for help with lost documents, cash transfers and other travel-related emergencies.

WHAT IF I HAVE TO CANCEL FOR A NON-COVERED REASON?
Cruise lines generally provide guests who are denied due to a non-covered reason with a future cruise credit equal to 75% of the non-refundable cancellation charge to use on your next cruise with us. For guests who upgrade to Platinum Protection, this credit is increased to 90% of the non-refundable cancellation charge. Important note: Cruise credits cannot be applied to government taxes and fees, port expenses, air add-ons, land packages, travel protection, Shore Excursions, gratuities, incidentals, or any purchases of a personal nature. They are non-transferrable and may not be combined with other cruise credit certificates or fare reduction coupons.

 

Trip Cancellation and Trip Delay

 

WHAT HAPPENS IF I HAVE TO CANCEL MY TRIP?

If something comes up and you can’t go, due to one of the covered reasons listed in the plan, you get your money back. If it’s not a covered reason and your cancellation claim is denied, you get a future cruise credit certificate that you can apply toward a new booking. It’s that simple.

WHAT HAPPENS IF MY FLIGHT IS DELAYED AND THE SHIP SAILS WITHOUT ME?
Get up to $500 toward additional accommodations, meals and catch up transportation expenses if you are delayed due to inclement weather, strike, mechanical failure and other reasons as cited in the Travel Protection Plan.

WHAT HAPPENS IF AN ACT OF GOD OCCURS?
If your home is made uninhabitable due to fire, flood, volcano, earthquake, hurricane or other natural disaster, the plan provides Trip Cancellation/Interruption coverage should you need to cancel or interrupt your trip. If “acts of God” such as inclement weather occur and you are delayed in starting your trip, the plan reimburses up to $500 under Trip Delay for additional meals, lodging and transportation expenses to catch up to your cruise.

WHAT ABOUT MY AIR AND HOTEL?
If your air and/or hotel is arranged by the cruise line, it’s covered. 

 

Baggage Protection

WHAT HAPPENS IF MY BAGS TAKE A DETOUR?
Get up to $1,500 for lost, stolen or damaged luggage and personal property brought with you on your cruise vacation, and up to $750 if your checked luggage is delayed by a Common Carrier for 24 hours or longer. Note that benefits provided are less any amount paid or payable from any coverage provided by a Common Carrier and/or insurance specifically insuring the lost, stolen or damaged item(s). For insured guests who upgrade to Platinum Travel Protection, baggage/personal effects coverage is increased to $3,000 per insured.

 

Medical Emergencies

WHAT HAPPENS IF I GET SICK OR GET HURT?
Platinum coverage reimburses up to $10,000 in medical expenses-for an illness or injury that occurs during your trip. Benefits are provided for up to one year from the date of your illness, injury and are secondary to any primary and/or supplemental medical insurance you may have. For insured guests who upgrade to Platinum Travel Protection, medical expense coverage is increased to $20,000 per insured.

WHO PAYS FOR THE EMERGENCY MEDICAL TRANSPORTATION?
In the event of a medical emergency requiring your emergency transportation to the nearest treating facility, the plan provides up to $25,000 coverage. For insured guests who upgrade to Platinum Travel Protection, emergency medical transportation coverage is increased to $50,000.

 

Job Loss Coverage

WHAT HAPPENS IF I LOSE MY JOB?
If an insured guest involuntarily loses their job, as long as the guest has been an active employee at the same company for at least one year prior to termination, and termination occurs after the plan has been purchased, the plan provides coverage for cancellation. Please note the plan provides other reasons for cancellation/interruption coverage, so please review the Travel Protection Plan for details.

HOW DO I APPLY FOR REIMBURSEMENT IF I LOSE MY JOB?
The process is the same as with all other claims under the plan. Should you need to file a claim and you have purchased a Travel Protection Plan, contact the provider for claim form. They will advise of the documentation required along with your completed claim form. Upon receipt of your claim form and supporting documentation, they will review your claim; and if approved, will send out a refund check.

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