Although it’s the kind of holiday where you just want to get away from any kind of stress, it’s worth investigating cruise insurance before your luxury voyage sets sail. Like any other kind of travel, a luxury cruise can go wrong – and perhaps even more than any other kind of holiday, it can also be expensive.
Roughly speaking there are two main times of cruise insurance policy, which broadly follow the same lines as other types of holiday insurance: single trip insurance and annual travel insurance. Single trip is exactly what you might imagine; it covers you for one holiday. Annual travel is aimed at people who take more than two or more holidays a year and often policies can be extended to cover any number of visits in a year that you might want.
No matter what kind of policy you get though, there are different types of cover that can be included in either of them. Your insurance provider should be able to tailor fit these to your requirements – providing:
•    Cancellation cover if you’re unable to travel due to illness or injury
•    Cover for Loss or damage to personal possessions or money as long as you’ve secured your belongings and reported any theft to the authorities
•    Medical Emergency and Treatment cover if you’re ill or injured whilst you’re abroad
•    Curtailment cover if you need to come home early for either personal illness or injury or that of a close relative or business associate
•    Personal liability Cover in case you become legally liable to pay damages to someone else whilst on your cruise
•    Legal advice and expenses for the rare situation that you need advice about claiming compensation for something that’s happened whilst on your cruise, from someone other than the tour operator.
A cruise is supposed to be a stress free vacation. Insurance helps you make sure that no matter what happens, that still holds true.