What is Luxury Cruise travel insurance?
A Luxury Cruise involves a sophisticated onboard vacation with a variety of exotic destinations, lavish and premium accommodations, exclusive experiences and high-end personalized service. To safeguard these high-end investments on the trip, A special Luxury Cruise travel insurance is required.
What does Luxury travel insurance for cruise cover?
- Trip Cancellation and Interruption Coverage: Reimburses non-refundable expenses if your cruise trip is canceled or interrupted due to covered reasons such as illness, injury, or unforeseen events. As significant amount of costs is associated with Luxury travel, some plan offer "cancel for any reason" (CFAR) coverage which provide comprehensive protection.
- Travel Delay Coverage: Compensates for expenses incurred because of trip delays which is particularly important for Luxury travelers with tightly scheduled itineraries involving private charters or exclusive events.
- Adventure and Activity Add-Ons: For Luxury travelers engaging in high-risk activities such as heli-skiing or deep-sea diving, additional coverage ensures these expenses are protected.
- Medical and Evacuation Coverage: Covers emergency medical expenses while hospitalized and provides for emergency medical evacuation to appropriate facilities. High coverage limits (e.g., $500,000 or more) are recommended, when traveling to remote or international destinations where medical care may be limited. As a senior citizen going aboard on a Luxury Cruise needs high end comprehensive travel insurance as they are more prone to potential risks. Many seniors have existing health conditions and it important to select a policy that offers Luxury Cruise insurance for pre-existing conditions to ensure that any related medical issues during the cruise are covered.
- Baggage and Personal Belongings Coverage: Protects against loss, theft, or damage to personal items, including high-value belongings like designer luggage, jewelry, and electronics. Do check if the policy’s reimbursement limits align with the value of your belongings.
How much does Luxury Cruise travel insurance cost?
The cost of Luxury Cruise insurance is ranges between $485 and $26,252 with trip costs ranging between $10,000 to $150,000, for a 15 days trip duration. The Cruise insurance cost depends on the age of traveler, cruise length, cruise destination and duration of trip.
For example here we are showing the luxury cruise insurance cost for a 60 year old traveler for a trip of 15 days.
| Plan Name | Trip Cost $10,000 | Trip Cost $50,000 | Trip Cost $100,000 | Trip Cost $150,000 |
|---|---|---|---|---|
| Safe Travels Armor | $485 | $2,430 | $4,939 | Not Available |
| iTravelInsured Travel SE | $720 | $3,822 | $7,642 | $11,462 |
| Safe Travels Voyager | $766 | $4,808 | $9,512 | Not Available |
| Trip Protection Choice | $987 | $4,543 | $9,132 | Not Available |
| Travel Insurance Select Elite | $1,381 | $6,905 | $13,810 | $20,715 |
| iTravelInsured Travel LX | $1,240 | $8,752 | $17,502 | $26,252 |
Source: AmericanVisitorInsurance
How to choose the best premium travel insurance?
When choosing a premium travel insurance for cruise select a policy with high coverage limit of at least $500,000 to $1,000,000. The policy must offer emergency medical evacuation coverage of unlimited or high-limit, particularly if traveling to remote locations. Make sure it covers the full cost of Luxury bookings, including private jets, yachts, and premium resorts and accommodations. Check for policies which offer coverage for high-value items or Luxury goods (watches, jewelry, designer bags, electronics).
What are the best luxury cruise travel insurance plans?
Yes. There are now insurance plans available that will allow travelers to insure up to $150,000!
Safe Travels Voyager from Trawick International
- Best for cruise travelers looking for higher benefit limits, with trip cost coverage up to $100,000.
- Emergency medical evacuation and repatriation is covered for $10,00,000.
- Emergency accident and sickness medical expense is covered for $250,000.
- Missed cruise connection is covered for up to $1,000.
- Optional cancel for any reason benefit covered up to $75% of non-refundable trip cost
To learn more about Safe Travels Voyager, refer to the plan brochure for the full schedule of benefits.
ITravelinsured Travel SE from IMG
- Ideal for luxury travelers taking lavish vacations to both domestic and international destinations, offers trip cost up to $150,000
- Medical evacuation and Repatriation of Remains covered up to $500,000.
- Accident and Sickness medical expense covered up to $250,000.
- Rental car damage and theft coverage covers up to $40,000 per covered vehicle.
- Pet kennel benefit covered up to $100 per day with $300 maximum per pet.
- Missed cruise connection covered up to $500 per person.
To learn more about iTravelInsured SE, refer to the plan brochure for the full schedule of benefits.
Trip Protection Choice from Seven Corners
- Ideal for first class travellers taking expensive vacations, offers trip cost up to $100,000.
- Medical evacuation and Repatriation of Remains covered up to $1,000,000.
- Accident and Sickness medical expense covered up to $500,000.
- Missed cruise connection covered up to $250 per day up to $1,500 (3 hours)
- Optional Rental car damage and theft coverage covers up to $35,000 per covered vehicle.
- Optional event ticket protection covers up to $15,000.
- Optional cancel for any reason benefit covered up to $75% of non-refundable trip cost.
To learn more about Trip Protection Choice, refer to the plan brochure for the full schedule of benefits.
ITravelinsured Travel LX from IMG
- Ideal for elite luxury travelers taking expensive vacations to both domestic and international destinations, offers trip cost up to $150,000.
- Medical evacuation and Repatriation of Remains covered up to $1,000,000.
- Accident and Sickness medical expense covered up to $500,000.
- Pet kennel benefit covered up to $100 per day with $500 maximum per pet.
- Rental car damage and theft coverage covers up to $40,000 per covered vehicle
- Missed cruise connection covered up to $500 per person
- Optional cancel for any reason benefit covered up to $75% of non-refundable trip cost.
- Search and rescue benefit covered up to $10,000 per person
To learn more about ITravelinsured Travel LX, refer to the plan brochure for the full schedule of benefits.
Cruises Insurance, Luxury Cruises travel insurance - FAQ's
1. What is luxury cruise travel insurance?
It is insurance that protects you when you take a high-end cruise. It helps cover unexpected things like medical emergencies, trip cancellations, lost luggage, or delays so you don’t have to worry about big expenses ruining your trip.
2. What kind of things does this insurance cover?
It covers medical bills if you get sick or hurt, refunds if you have to cancel your trip, help if your bags get lost or arrive late, and extra costs if your trip is delayed. It also protects your valuable items like jewelry or electronics.
3. How much does this insurance usually cost?
The cost depends on your age, how long your cruise is, where you’re going, and how much your trip costs. For example, a 60-year-old on a 15-day cruise might pay around $500 for a $10,000 trip. If your trip costs more, the insurance will cost more too.
4. What affects the price of the insurance?
Your age, trip length, total trip cost, destination, and the coverage you choose all affect the price.
5. How much coverage should I get?
It’s a good idea to have enough coverage for medical emergencies usually between $500,000 and $1 million. This way, if you need medical care or an emergency evacuation, you’re protected.
6. Can I cancel my trip for any reason?
Some insurance plans let you cancel your trip for almost any reason and still get some money back. This is called “Cancel For Any Reason” coverage and can be very useful if your plans change unexpectedly.
7. Does the insurance cover my expensive belongings?
Yes, many plans cover valuable items like jewelry, watches, and designer bags. Just check your policy to see the limits and rules.
8. Is there special insurance for older travelers?
Yes, there are plans made especially for seniors that consider their health and travel needs.
9. How do I choose the best insurance for my luxury cruise?
Look for a plan with good medical coverage, trip cancellation benefits, protection for your valuables, and flexible options. Compare a few plans to find the best fit for your trip and budget.
