Cruise insurance for those worried about becoming ill whilst aboard ship
0 commentsA cruise can often be the perfect holiday, providing holidaymakers with the chance to relax in luxurious surroundings and sample fine cuisine even though they might be miles away from the nearest port. But suppose you fall ill, what becomes of you then? With so many people living in such a confined space, the chances of catching something are quite high.
According to the US Center for Disease Control (CDC): "the diversity of passengers and crew members on a typical large cruise ship also means diverse background in health status, medical and public health tendencies and behavior, and potential for disease exposure." A study by the University of Texas showed that 4% of holidaymakers fall ill whilst on a cruise. Of these passengers almost two-thirds reported to infirmaries because of relatively severe medical complaints. Cruise insurance ensures that you do not lose out, at least financially, if you fall sick whilst aboard ship.
So what exactly is cruise insurance?
Simply put, it's a type of insurance policy which is designed specifically to protect your interests if you fall sick when on a cruise.
Why do I need cruise insurance?
Passengers aboard a cruise liner often have medical complaints which are far more serious than painful cases of sunburn and bad hangovers. Taking the relevant vaccinations beforehand will protect you from some infectious diseases. However, researchers have found that the majority of people who fall ill aboard ship do so due to respiratory tract infections and stomach upsets. There are few ways of protecting yourself from such illnesses. Nevertheless, these can easily spoil your holiday. Studies show that 11% of passengers who fall ill aboard ship have "potentially life-threatening medical conditions." Generally, these passengers will be evacuated to the nearest hospital. This does not come cheap - a medical evacuation can cost you between £2,500 and £25,000 depending on the severity of the situation. Cruise insurance would protect you financially even under these unpleasant circumstances.
There are a number of insurance providers in the United Kingdom which offer cruise insurance policies. One such agency is Go Travel Insurance. Their policy is one of the most comprehensive available online, and it is also very affordable. Under this policy, you will benefit from:
- A travel insurance policy which is specifically designed with the cruise holidaymaker in mind.
- Insurance for medical expenses up to £10,000,000.
- The services of a specialized helpline which can deal with your queries 24 hours a day.
- Compensation for cancelled holidays up to the value of £3,000.
- A no-hassles refund policy.
Cruise insurance can save you a great deal of money in the event of a medical emergency. However, don't let the eventualities detailed above put you off cruises for life! Just remember by buying an insurance policy such as this, you will be protecting yourself and your family in the event of an unfortunate medical incident.
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