You need to plan for everything, not just the fun portion of your vacation. For many, the idea of a cruise may be the ultimate in luxury. Like any trip though, things can go wrong, so travel insurance is a sensible precaution.
When you travel abroad, you are unlikely to be entitled to the same medical coverage as in the United States. Even with a European Health Insurance Card, you will typically only be entitled to the same care as the locals receive. If your cruise takes you outside of the EU, you may have to prove that you can pay for required medical treatment in advance of receiving it.
One of the main benefits of cruise insurance and travel insurance in general, is that it can often provide you coverage for emergency medical expenses which may include transfers to hospital and even repatriation, if so advised by the medical staff.
You may also appreciate travel insurance that can provide financial help if:
• you lose your travelers checks or money you had on hand for your trip
• your baggage is lost or stolen
• you have to cancel or cut short your cruise because of the death or illness of a family member
• compensation for travel delays or missed connections
• circumstances happen just before you are due to set off on your cruise and decide that, in the circumstances, canceling you cruise is the only option.
It may make sense to check the small print to ensure that you understand what your cover includes, as not all will offer the same policy features and benefits. Knowing that you have taken all the precautions you can to ensure the success of your cruise by taking out travel insurance may mean that you can concentrate on looking forward to, rather than worrying about, your upcoming trip.
MHG Insurance Brokers employs passionate and knowledgeable insurance experts who provide sound advice on the most appropriate health insurance plan for individuals and families according to their unique financial situation. LetMHG Insurance Brokers help you find the best individual or group health insurance policy for you, your family and/or your business. Contact us today to find out more about group and individual health insurance.