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Why you should consider insurance if you are a cruiser

Sydney, Australia
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Why you should consider insurance if you are a cruiser

Although this article is aimed at an Australian audience, clearly the message applies across the board.

cruiseweekly.com.au/blog/…18471

Canberra
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1. Re: Why you should consider insurance if you are a cruiser

Thanks for the link Dougo.

A good reminder. I am amazed at the number of people who ask if they really need travel insurance (and not just those who are cruising). Had a friend of a friend whose husband became ill in HK with no insurance (they forgot) and it cost them many thousands of dollars.

I had a case of Noro once on SS and that was not charged for at all by the doctor who came and gave me a shot and other treatments. Think it was the fact that it was Noro and others had it as well. We had insurance but did not need it on that occasion.

Chatham, Ontario
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2. Re: Why you should consider insurance if you are a cruiser

Dougo, just added this article to the Top Question dealing with insurance.

Hants, UK
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3. Re: Why you should consider insurance if you are a cruiser

Worth checking as not all insurance policys include crusing.

wirral
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4. Re: Why you should consider insurance if you are a cruiser

The only reason you don't usually get charged for treatment onboard for Norovirus is they want to encourage pax to report affliction.Otherwise more pax will be infected by those who already have it but try not to let it interrupt their cruise. I may be a Belt and Braces sort of guy but I would not dream of going on a cruise without travel insurance that covers me and mine. Medical treatment onboard is expensive whether by Dr or nursing staff and try not to die onboard because this will be a major inconvenience to those left behind.

Sydney, Australia
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5. Re: Why you should consider insurance if you are a cruiser

Love_the_life

So true ... it's a veritable jungle out there so sometimes quite a bit of research is needed to sort out what the best fit is.

fannish

Thanks - hopefully this article will add something to the existing threads

josiem

Correct ... or if they do they will charge extra, especially for waters they consider to be a risk such as Antarctiva

WirralScouse

"and try not to die onboard because this will be a major inconvenience to those left behind" - LOL ...

Yep, treatments on board can run into the thousands ... I was on a fateful cruise once and had to report to the medical centre for stitches to be removed on the morning we docked in port. I got talking to a women who was waiting for the Dr to make arrangements for her husband to be taken to hospital and have further tests. Luckily they were insured as 4 days specialist care and treatment on board cost $4K !!

Another cruise I was on, the ship had to slow down, turn around and head back to the coast (west coast of Canada / USA) for a rendezvous at 4am where the Coast Guard air lifted the patient off the ship, then took him to hospital for emergency treatment.

London, England
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6. Re: Why you should consider insurance if you are a cruiser

On the cruises we have taken we have been asked at the time of booking if we have insurance and have to give details. However, I wouldn't go anywhere at all abroad without proper insurance, just plain stupid if you don't have it.

Sydney, Australia
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7. Re: Why you should consider insurance if you are a cruiser

I'm going on a cruise next month and just got travel insurance. Didn't know that there was cruise insurance. I'd better check the fine print to see if I'm covered.

Melbourne, Australia
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8. Re: Why you should consider insurance if you are a cruiser

My Antarctica trips haven't had surcharges for the region. I do select the highest coverage with unlimited repatriation $$ and I add extra coverage due to carrying so many electronics.

On my expedition ships all medical care provided on board is free which is nice (and rare).

Sydney, Australia
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9. Re: Why you should consider insurance if you are a cruiser

Barbara.

I would also advise phoning the insurance company as sometimes there are surcharges if you are going to certain regions ....

Hi perfectlyperth

You were lucky, we had to pay a surcharge for our cruise to Antarctica as we were in Antarctic more than 24 hours (may have been 48, it was 24 hours)

Southampton, UK
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10. Re: Why you should consider insurance if you are a cruiser

What is equally as important as having insurance is to declare pre-existing conditions, e.g. diabetes, high blood pressure, heart trouble, asthma, cancer, etc. The policy may cost more but at least it will cover you in the event of an illness. Insurers ask to see your medical records before paying out. If you do not declare such condtions, your insurance is worthless. Read the T&Cs.