Is Trip Insurance a Good Idea for a Cruise to Cuba?
When you’re planning a cruise to Cuba, you are focused on all of the excitement; taking in the beautiful sights, the relaxation, the fun… The last thing that you are thinking about is a catastrophe; however, while it may not be at the forefront of your mind, bad things can happen while you’re on a cruise. Things like accidents, theft, cancellations and other mishaps can happen, and if they do, your dream trip could turn into a nightmare.
How can you protect yourself should something bad happen while you are cruising to Cuba? – By purchasing trip insurance. Keep on reading to find out more about why travel insurance is something that you should definitely consider buying before you set sail to Cuba.
What is Travel Insurance?
Though there are differences between policies and there is no specific requirement regarding what is covered and what isn’t, generally, most trip insurance offers the following coverage:
- The most basic form of travel insurance will cover the cost of cancellations. Should your trip be canceled for an unforeseen reason, such as a major illness, an accident or injury, a death in the family, loss of income, a travel delay (your flight was delayed and you were unable to reach the cruise ship on time,) or the birth of a child, trip insurance will allow you to get back the money that you have invested in the trip. Keep in mind, however, that the reasons for cancellations that your specific insurance will cover are predetermined; typically, most coverage will not reimburse you should you decide to cancel your trip simply because you don’t want to go.
- An Interruption. Like trip cancellation, travel insurance often offers coverage that will reimburse you should your cruise be interrupted. Like cancellation coverage, the types of interruptions that will be covered differ from policy to policy. Generally, most insurance will cover the loss of any money should your trip be interrupted for reasons that include a death in the family, a birth, an accident or an illness while your cruise is already underway. Depending on your coverage, you will be reimbursed for the remainder of the money that you paid for the cruise after you had to leave it. Additionally, you will likely be reimbursed for other expenses that you incurred as a result of the interruption, such as flights or hotels, that you needed to pay for in order to get home.
- Emergency Medical Treatment. This coverage is just as it sounds; should you become ill or suffer an injury while you are traveling, your trip insurance will offer you financial coverage. Essentially, it is medical insurance while you are traveling and will help to cover the cost of any medical care that you may require while you are on board your cruise. There are some policies available that also offer dental coverage.
- Emergency Evacuation. Almost every type of travel insurance policy will provide you with some sort of coverage for an emergency evacuation. Should the cruise ship have to be evacuated for an outbreak of an illness, for example, your policy will cover the cost of the remainder of your trip. It will also cover the cost of any additional expenses that you have to pay as a result of an emergency evacuation, such as airfare and hotel accommodations.
- Missing Luggage. Should your luggage get lost or stolen on your cruise, most travel insurance policies will cover the cost of the items that were lost, as well as the cost of replacing those items.
Again, make sure that you check with your travel insurance provider to ensure that you know exactly what it covers. While the above mentioned items are usually covered by most policies, they may vary. Additionally, you have the option of purchasing additional coverage, should you need it.
When to Buy Travel Insurance before a Cruise
The best time to buy travel insurance for a cruise is right after you have booked and paid for your trip. By doing so, you can make sure that your trip is fully covered, which is particularly important in the event of an unforeseen cancellation. The longer you wait, the greater the chance that you won’t have coverage when you need it.
How to Buy Travel Insurance
There are several insurance agencies that offer travel coverage. You want to make sure that you choose a reputable company that has a proven track record of success. Do your due diligence and research the insurance companies. Also, make sure you read the details of the policy so that you are fully aware of what is covered and any addendums that may exist.
If you are planning a cruise to Cuba, trip insurance will provide you with peace of mind knowing that should something bad happen, you will be covered financially.