5 reasons why you need travel insurance for your cruise

A cruise is a promise: a promise of adventure and exploration coupled with security and comfort. Your floating hotel offers excellent on-board facilities with the added bonus of a snug stateroom to store all your things while visiting many destinations. Setting off to discover the wonders of the seven seas on a cruise ship provides safety, relaxation and comfort.  The addition of buying a dummy travel insurance plan from a reputable insurance company such as Allianz Global Assistance, offers additional peace of mind for you.

COVID-19 has posed challenges for the world of cruise travel. Travel insurance can help protect your trip for unforeseen medical circumstances related to COVID-19.

As long as there is no Level 3 or Level 4 travel advisory related to COVID-19 in effect for your destination or type of travel (i.e. cruises) on the effective date of your policy, expenses related to COVID-19 are now eligible under our standard medical plans.

COVID-19 remains a known event for Trip Cancellation and Trip Interruption. Policies that include Trip Cancellation and Trip Interruption benefits that were purchased on or after March 11, 2020 will not cover claims related to previous or future travel advisories from the Canadian government related to COVID-19.

For questions regarding COVID-19 and coverage for your cruise, please contact us at dummy 1-844-310-1578. We offer various plans and assistance services to fit your travel needs.

No one wants to think about everything that could go wrong, before or during a vacation. Here’s where travel insurance can help.

Imagine a hurricane hits your destination, or the cruise line has to keep the ship in port for repairs. 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.

You can also protect yourself with travel medical insurance so that if you have an unforeseen health emergency during your trip, you’ll save a lot on hefty medical expenses. 

Cancellation of plans by a travel companion, the illness or death of a family member, job loss, airline delays and lost baggage are all situations where travel insurance may help.

There is always a chance you might need to leave the cruise early due to a sudden medical condition or a family emergency. This can mean an immediate need to get off the ship as soon as possible. Travel insurance may help you get home quickly and without the worry of additional costs for a new flight.

Cruise ships have medical facilities on board, but they may not be suitable for more serious health crises. Your travel insurance may provide coverage for transport to the nearest appropriate medical facility, or back to a Canadian hospital. 

Also, be sure to always take a full supply of your medication with you! Don’t presume that pharmacists on the ship or in ports of call will be able to supplement or refill prescriptions. If you become ill because you have not been able to follow your health regimen by taking prescribed medication, your travel insurance claim may be void.

It is also important to make thoughtful decisions about activities available to you in the ports. With many travel insurance policies, injuries resulting from high-risk activities may not be covered, so it’s important to understand the specific provisions of your chosen travel insurance policy before you need to access coverage.

Your travel insurance may cover the cost of repatriating your remains in the event of your death while on a trip, ensuring your family is not financially burdened by the cost. 

Cruising is a highly popular winter getaway, particularly for those seeking to escape the unforgiving Canadian winter. But getting to that sunny port of departure can be challenging. If winter weather makes your port inaccessible or delays your flights, the cruise ship cannot wait for you—they have a strict schedule to keep and no amount of pleading will keep them docked. And, even if you have bought insurance through the cruise line, your inability to make it to the departure port on time isn’t covered. But your travel insurance may be able to help. More often than not you can catch up to your ship in its next port of call. Phew! Sun seekers can rest easy with adequate travel insurance coverage.

For many, going on a cruise is a way of life. It offers the best of both worlds- a ‘home’ base and the ability to be mobile. Protecting yourself with adequate travel insurance for cruises just makes good sense and ensures your trip will be enjoyable and worry free.

View all dummy available plans  offered by Allianz Global Assistance or call us at dummy 1-844-310-1578 to get a quote or answer any questions you may have.


Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators Group of Companies, administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc.

Travel protected with Allianz Global Assistance
Or call us at 1-844-310-1578 
to speak with one of our agents.
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