Cruise Travel Insurance
Is Cruise Travel Insurance mandatory?
Do I need Travel Insurance for domestic cruises?
Does Travel Insurance cover cruises?
- Trip Cancellation: This coverage can reimburse you for non-refundable expenses if you have to cancel your cruise due to a covered reason such as illness or injury.
- Trip Interruption: This coverage can provide reimbursement for unused portions of your cruise if you have to interrupt your trip due to a covered reason, such as a medical emergency.
- Emergency Medical and Dental Expenses: This coverage may assist with payment for medical or dental expenses incurred while on your cruise due to illness or injury due to a covered reason.
- Emergency Evacuation: This coverage may include payment for emergency medical transportation to the nearest appropriate medical facility due to a covered reason such as illness or injury while on your cruise and require medical attention that is not available on the ship.
- Baggage Loss or Delay: This coverage can reimburse you for the cost of replacing lost or delayed baggage.
- 24/7 Assistance Services: AXA’s travel plans also include 24/7 assistance services, such as travel and medical assistance, concierge services, and emergency travel services, which can be helpful if you need assistance during your cruise.
Disclaimer:
It's important to note that the specific coverage and terms and conditions of each plan can vary, so it's a good idea to review the policy documents carefully to understand the coverage provided and any exclusions or limitations that may apply.
Things to consider when buying a Cruise Travel Insurance Policy
Like any other type of insurance, buying a policy for your cruise trip requires taking a close look at it to ensure it offers what you need. Here are a few key things you must consider:
Does your health insurance cover medical expenses onboard a ship?
Many people presume that their health insurance will cover any medical expenses that may be incurred on domestic cruises. That isn’t always a given. Some insurance providers[CR1] do not offer medical coverage onboard a ship or if it is an international cruise. So, it’s important to confirm it.
Do you or traveling companion have a pre-existing condition?
AXA offers coverage for pre-existing medical conditions with the Gold and Platinum plan. The availability and terms of coverage for pre-existing medical conditions may vary depending on the specific plan you choose, nature of your condition, and state of residency.
If you have a pre-existing medical condition and wish to obtain coverage under an AXA's travel insurance policy, you will need to meet certain criteria:
- Your pre-existing medical condition was diagnosed 60 days prior to your effective policy date
- Your premium for pre-existing medical coverage is received within the time-sensitive period of 14 days of the initial trip deposit date
- You are medically able to travel on your departure date
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Also see: Plan Comparison Table |Silver Plan| Gold Plan | Platinum Plan