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The Benefits and Drawbacks of Cruise Line Insurance

There are several major companies that offer insurance for your cruise vacation.  Cruise line insurance is something that all travelers should at least explore and understand before making the decision to purchase or forego.  It is important to note that many homeowner’s or renter’s insurance plans will cover losses associated with traveling.  However, it is often not wise to go through these sources as it may raise your premium well above the expense of travelers insurance and will only cover the costs of lost items, not anything dealing with medical issues or cancellations.

Our Miami cruise ship injury lawyers note that there are two basic types of travelers insurance: primary and secondary.  Primary insurance will cover you from the first penny put forth, while secondary insurance kicks in only after your private insurance has run out.  Primary policies are far more helpful, as you will not be stuck waiting months to see what your medical and homeowner’s insurance pick up.

Travel insurance is generally quite reasonable, at about five to nine percent the cost of the cruise.  As such, it can be well worth it to obtain this additional coverage.  You must be aware though of the limitations involved.

What Travel Insurance Does Not Cover

  • Bad weather: You cannot get reimbursed if it rained your entire trip.  However, if weather cancels or delays the trip, you may have the right to reimbursement.
  • Change of mind: You can’t simply cancel due to a change of mind and be covered, as cancelling a trip under these circumstances is at your own risk.
  • Pregnancy or childbirth: If it is a normal pregnancy and not a medical emergency, you will not be covered.
  • Change in itinerary: Even if the cruise changes courses somewhat, you cannot be reimbursed.
  • Pre-existing medical conditions: In certain circumstances, this exclusion can be waived.

What Travel Insurance Does Cover

            For some travelers, travel insurance can be a life saver.  Answer the following questions to assess whether this insurance may help you:

  • Do you have a pre-existing condition that could cause your trip to become canceled or interrupted?
  • Are you worried about the health of a loved one that might worsen before your trip date?
  • Are you going on land as well as on the cruise?
  • Will you have a rental car?
  • Are you traveling during a period when weather conditions might delay or cancel flights, including winter weather or hurricanes?
  • Are you planning to engage in excursions, such as zip lining, helicopter tours, scuba, or the like?
  • Will your flight have layovers?

If you answered yes to any of these questions, travel insurance may be a good idea, as it will ensure you are not left with the heartache of losing your cruise ship fees or being strapped with medical expenses relating to a cruise ship accident.  Shop around and determine the best insurance coverage for you before booking your trip.

Greenberg Stone and Urbano:  Cruise Ship Accident Attorneys of Excellence  

            Cruises should be a time of fun and relaxation.  Sadly, for some travelers, cruises can go majorly wrong and injuries or illness may occur.  If you have been injured or taken ill on a cruise ship, the Miami Cruise Ship Accident Attorneys at Greenberg Stone and Urbano are here to help.  Our attorneys will aggressively fight to see that you obtain the compensation you deserve due to the cruise line’s negligent conduct, which can include coverage for medical bills, lost wages, pain and suffering, and more.  Our exceptional results have earned us an AV rating from Martindale Hubbell and recognition as one of South Florida’s top firms by the Miami Herald.   Call us at (888) 499-9700 or (305) 595-2400 or visit our website to schedule your initial consultation.


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