Travel Insurance: To buy or not to buy? Part 1


Whether you travel regularly or have saved for the last 25 years of marriage to get that honeymoon you could never afford, your holiday whether it is cruising or any other land based holiday is going to be a major financial investment.

In order to get a booking on the fantastic cruises that are on offer, you often need to book several months, or even a year or so in advance and pay at least a chunky deposit.  So, do you know what is going to happen to you 10 months from now?  With the current uncertainty in the job market, fluctuating interest rates on savings, and the normal issues such as general health, family troubles you may well say – I haven’t got a clue!  However, one way to cover yourself for these potential problems is to purchase travel insurance.  What you need to do is to ensure that what you are purchasing is suitable for your needs and that it will cover you for your particular holiday.

We are all familiar with the usual terms on house, car insurance such as third party liability, fire and theft, comprehensive etc but when it comes to travel insurance the terms can be slightly different.

In this two part special travel insurance guide, we’re going to take a look at some of the different terms today, and why they’re important if you’re booking a cruise:

Trip Interruption

If you’ve never cruised before this may be something you’ve not considered.  It has to be said that this is a very rare occurrence, but if your ship develops a mechanical fault, the cruise line will make every attempt to get it fixed whilst you are in port enjoying yourself.  However, if it turns out to be something more serious, it isn’t simply a case of swopping you to another ship as it would be with a hotel.  It may be that you will be unable to complete your cruise and whilst the cruise line will help organise flights home, you may have overnight hotel costs and other additional charges.  Additionally, if you have your own travel insurance they may well be able to repatriate you quicker than the cruise lines customer service as they try to get flights for the 4500 people on your ship!

Trip Cancellation

A week before your dream cruise, the cold you’ve been nursing for weeks goes onto your chest and suddenly you are in hospital with pneumonia.  If you have to cancel at this time, you will have massive cancellation penalties and in fact may well loose the whole trip cost as the cruise line would be unable to fill your place at this short notice.

Click here for part two of our travel insurance special!

Click here to view our partner’s travel insurance:

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