What does cruise insurance cover? | Berkshire Hathaway Travel Protection (2024)

FAQs

What does cruise insurance cover? | Berkshire Hathaway Travel Protection? ›

Most cruise insurance plans cover medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage when you're on a cruise. Cruise insurance can also cover cruise-ship disablement and pre-existing conditions, depending on when you buy coverage.

Depending on the plan, it covers delays, cancellations, emergency medical and more while you're on a cruise or traveling to and from your cruise. Some cruise insurance plans even offer cancel-for-any-reason coverage, which provides the ultimate flexibility when your plans change.

Travel protection primarily covers non-refundable, prepaid expenses, supplying coverage for trip cancellation or interruption because of covered reasons.

Most policies include cover for: lost or stolen bags (with baggage cover an extra in some policies) emergency medical expenses, such as the cost of treatment and getting you home. the costs of cancelling, delaying or cutting your trip short (with cancellation cover sometimes an additional extra)

Cruise cover is a mandatory add-on for travel Insurance that protects against travel risks unique to going on a cruise. These can include becoming unwell at sea or added complications if luggage is lost or stolen. With cruise cover, you pay an extra premium for extra protection in case of such events.

Missed Tour or Cruise Connection coverage applies when you miss your trip departure because your arrival at the trip destination is delayed for the specified amount of consecutive hours listed on your plan. This benefit can cover: Reasonable additional expenses. Additional transportation cost to join the departed trip.

What do you classify as a cruise? Cruise ship in the context of travel insurance means a commercially operated ocean-going vessel that is licensed to carry paying passengers, has on-board accommodation and trained medical staff.

Reasonably foreseeable events. Known storms, epidemics, acts of war. Travel restrictions imposed by government authorities. Pre-existing conditions, unless the Premium plan is bought within the window for coverage.

If your trip is impacted by a covered reason, such as personal illness, illness or death of a family member, natural disaster, job loss, tour company going out of business, terrorist attack or flight issues, this coverage typically can reimburse you for prepaid travel costs or additional expenses.

Does my medical insurance cover me on a cruise? ›

One of the main reasons to buy cruise insurance is for medical emergencies. Note that, once you're on a cruise ship or visiting a destination outside the United States, your own U.S. health insurance plan will not apply.

Cruise insurance can cost from 5% to 10% of your total trip cost, though that amount can be influenced by: Your age. How much you're spending on your trip. The length of your cruise.

If you have a medical emergency on a cruise, the onboard medical staff may or may not be able to treat you depending on the severity of the emergency. If you need emergency medical evacuation to a more capable facility it can cost over $100,000, so be sure you have cruise medical insurance that can cover it.

In partnership with Aviva and RAC. Protect your trips from the unexpected with cover for cancellations, breakdowns, lost baggage and more. Six-month minimum term – terms and conditions apply.

Cruise insurance can cost from 5% to 10% of your total trip cost, though that amount can be influenced by: Your age. How much you're spending on your trip. The length of your cruise.

Your travel insurance may cover the cancellation of the cruise, tour, or travel package by the cruise company or tour operator. You can also protect yourself with travel medical insurance so that if you have an unforeseen health emergency you may be eligible to cancel your cruise outright and rebook for the future.