Nowadays cruise is a popular travel activity among not only adult, but young generations. Cruise is supposed to spend a lot of time on board. So before buying cruise insurance you should take into consideration all the possible risks and problems that may arise. For example, you may have a heart attack while being on board, so after that you will need medical evacuation. Or you may lose your wallet and passport and so on. Many things can happen. Right choice of cruise insurance can handle with all the problems. First, make up your mind about how much you want be covered. Try to choose exactly that policy that covers your needs, not more. Paying by credit card helps you to save extra money, because some credit cards offer travel benefits. Also you should save all the documents, tickets and checks, just in case if something happens and you will have to prove your expenditures.
Don’t hesitate to read the policy, make sure that policy you have chosen includes such coverages as Trip Interruption in case if you have to interrupt your trip by any reason; Trip Cancellation in case if you have to cancel your trip, for example, for family matters; Financial Default of a travel agent and a Trip Delay Benefit.
Choosing or not Medical Evacuation depends upon how far away you are going to travel, it is better to choose at least 50,000 $ worth of medical evacuation in case of a medical emergency. Make sure whether or not this type of coverage covers repatriation (in case of your death your remains will be brought home). Also pay attention to the exclusions stated in the policy. It could help you to avoid possible mistakes. Check carrier exclusions to make sure your cruise is not provided by excluded company, because they are not covered by insurance company if something will happen.
Using the Internet you can easily compare policy prices on the insurance companies’ websites. Make sure that your policy is a real insurance. Some people confuse insurance policy with travel protection, offered by travel agencies. Also pay attention to the rating of the insurance company. According to A.M.Best, good and reliable insurance companies have “A” or higher rating.