Best travel insurance for Disney Cruise
About Disney Cruise
Disney Cruise Line is a subsidiary of The Walt Disney Company that was incorporated in 1996. The functioning headquarters is located in Celebration Florida. Disney Cruise Line has 5 ships that are Disney Magic, Disney Dream, Disney Fantasy, Disney Wonder and Disney Wish.
Disney Cruise offers historic wonders of Europe, tropical views of the Caribbean and Bahamas with unforgettable destinations on a Disney cruise vacation. Each ship is has different itinerary and plans that are exclusive and unforgettable experience for travelers.
Why Choose American Visitor Insurance for Disney Cruises?
When you are going on a Disney Cruise it is important to have travel insurance to keep you safe and secure. American Visitor Insurance offers travel insurance that helps you to cover unexpected medical bills, trip cancellations and other travel problems. Our plans cover things like medical emergencies, trip cancellations and lost luggage. You can choose a plan that fits your needs and budget. We work with trusted insurance companies in the US and also you can easily compare different plans on our website. Plus, we have friendly support available for 24/7 if you need any help.
Some key benefits of our travel insurance include medical coverage to protect you from expensive doctor and hospital bills. For example, a regular doctor visit can cost around $176 and emergencies can be much more. If your trip gets interrupted and you have to cancel you can get money back for what you paid. We also cover lost or delayed luggage so you will not stuck without your belongings. And if you lose your passport and important travel documents we will help you get through that too. With American Visitor Insurance, you can enjoy your Disney Cruise knowing that you are protected against surprises and emergencies.
What are the mistakes that you need to avoid while buying your next cruise travel insurance?
Mistakes that you need to avoid while buying travel insurance;
Planning a cruise vacation is exciting but it is important to get your travel insurance right to avoid problems that you will face later. Here are some common mistakes to watch out for before you buy travel insurance for your cruise:
Waiting too long to buy;
Purchase your travel insurance as soon as you make your first non-refundable payment such as your cruise deposit or airfare. Buying late may leave you unprotected if something happens before your coverage starts.
Not reading the policy carefully;
Every travel insurance policy has specific coverage details, exclusions and conditions. Take the time to read and understand what will cover and not cover so that it will be easy to file a claim.
Ignoring Pre-Existing Medical Conditions;
If you have any pre-existing health conditions it’s better to disclose them and choose a policy that covers them. Many plans require you to buy insurance within a certain time frame after your initial trip payment to get this coverage.
Underinsuring Your Trip;
Make sure to insure the full cost of your cruise including airfare, excursions and hotel stays. If you don’t your claim payout may be limited to the amount you insured which could be less than your actual expenses.
Skipping Cruise-Specific Coverage;
Standard travel insurance may not cover cruise-related issues like missed port departures, cabin confinement or cruise interruptions. Look for plans that include cruise-specific benefits or add-ons.
Overlooking Coverage for Activities;
If you plan to participate in shore excursions and adventure activities such as scuba diving and hiking check whether these are covered and if you need additional coverage for high risk activities.
Not Keeping Important Documents;
If you need to file a claim having all necessary documents like receipts, medical records, police reports and official notices with you these will make the process smoother and increase your chances of approval.
By avoiding these common mistakes you can secure the right travel insurance coverage and enjoy your cruise with confidence and peace of mind.
Who Needs Travel Insurance for Disney Cruises?
Travel insurance is a smart choice for anyone going on a Disney cruise. Whether you’re traveling alone with family or in a group. These insurance helps protect you from unexpected problems.
It’s especially important for:
Older travelers who may need extra medical coverage.
Families and groups who want to cover everyone under one plan.
People who enjoy activities and excursions that might have risks or delays.
Business travelers who want to protect their work trip investment.
Travel insurance can help cover things like medical emergencies, trip cancellations, lost luggage, and other surprises. It gives you peace of mind so you can enjoy your cruise without worry.
What is the cost of Disney Cruise medical insurance?
The cost of cruise medical insurance for Disney cruise can vary widely based on several factors. Basic cruise medical insurance only coverage would cost $40 to $150 per person, depending on the factors above while comprehensive medical and evacuation cruise insurance costs $150 to $400 or more per person, depending on the trip duration and coverage limits. Cruise insurance for seniors particularly those over 65, will cost more due to higher health risks. Longer cruises tend to cost more to insure, as the duration increases the risk of illness or injury. Cruises to remote or exotic locations, where access to medical care is limited, can result in higher premiums.
Higher limits on medical expenses and medical evacuation coverage will increase the cost. Typical policies might cover $50K to $100K for medical treatment and $100K or more for medical evacuation. Evacuation coverage is crucial on a cruise, especially if you're far from quality medical facilities. Policies covering $100K to $250K for emergency evacuations are common, and higher limits can raise the price. Disney cruise health insurance with more comprehensive benefits, such as those covering pre-existing conditions, will be priced higher.
What does trip cancellation insurance cover for cruise travel?
Trip cancellation insurance not only offers coverage for trip investment expenses, but also covers medical expenses while on a cruise trip. In case a traveler missed a cruise because a flight was delayed, or had to cancel a cruise vacation because he/she fell sick or for any other reason, the Trip Cancellation insurance will cover non-refundable trip investment expenses. It will also cover medical expenses while the traveler is on the cruise, such as falling sick and needing medical assistance.
Some cruises have medical treatment facilities to treat minor injuries, however if the injury or sickness is severe the traveler may be asked to get off the ship at the nearest port to get immediate medical care. If adequate healthcare treatment is not available at the place you got off the cruise, then you may have to get transported or evacuated to the nearest hospital, the trip protection insurance would cover these expenses.
Why do I need best cruise travel medical insurance?
When families travel overseas, it is important to buy proper travel medical insurance. Since the family is traveling outside familiar territory which can involve long air and road travel, acclimatising to different weather patterns and eating unfamiliar food there is an element of risk involved and vulnerability to falling sick or even having an accident.
Furthermore, injuries or illnesses may happen before your trip and cause the whole trip to be cancelled. In that case, some cruise travel insurance insure the value of your trip allowing you to get your money back and rebook the trip another time. Trip insurance can be purchased for the whole travel group, so if Grandma breaks her leg and everyone decides to cancel, you can do so; even unrelated people can go on one policy for school reunions or company gatherings.
How much does Disney cruise travel insurance cost?
How much does cheap cruise insurance cost?
The Cheapest cruise insurance cost ranges from $39 to $1,278 for a 15 days trip. This cruise insurance cost may varies based on travlers age, cruise destination, cruise duration.
For example here we are showing cost for 55 year old traveler with 15 days duration of trip.
| Plan name | Trip cost $1,000 | Trip cost $5,000 | Trip cost $10,000 | Trip cost $20,000 |
|---|---|---|---|---|
| Safe Travels Protect | $39 | $161 | $349 | Not Available |
| Safe Travels Explorer | $45 | $186 | $455 | $879 |
| Itravelinsured Lite | $53 | $267 | $569 | $1,178 |
| iTravelInsured choice | $57 | $175 | $382 | Not Available |
| Cruise Travel Insurance | $88 | $275 | $520 | $1,028 |
Source: American Visitor Insurance®
How much does Luxury cruise insurance cost?
The Luxury cruise insurance cost ranges from $1,097 to $24,167 for a 15 days trip. This cruise insurance cost may varies based on travlers age, cruise destination, cruise duration.
For example here we are showing cost for 55 year old traveler with 15 days duration of trip
| Plan name | Trip cost $30,000 | Trip cost $50,000 | Trip cost $100,000 | Trip cost $150,000 |
|---|---|---|---|---|
| Itarvelinsured SE | $1,097 | $3,177 | $6,352 | $9,527 |
| Safe Travels Armor | $1,445 | $2,430 | $4,940 | Not Available |
| Safe Travels Voyager | $1,728 | $2,821 | $5,553 | Not Available |
| Travel insurance Select Elite | $3,213 | $5,355 | $10,710 | $16,065 |
| ITravelinsured LX | $4,835 | $8,057 | $16,112 | $24,167 |
Source: American Visitor Insurance®
How does cruise travel insurance compare to other insurances?
Cruise medical insurance and cruise travel insurance are related but serve different purposes. Here's a comparison to clarify the differences:
| Plan Type | Cruise Travel Insurance | Travel medical insurance |
|---|---|---|
| Purpose | Covers cruise trips like trip cancellation, medical emergencies on cruise, evacuation, baggage, delays. | Medical coverage for visitors to the USA or abroad for illness/injury. |
| Medical Coverage | Includes evacuation coverage as in cruise medical insurance. Typically $50,000 to $1,000,000+; covers onboard treatment, emergency evacuation. | Medical expenses during the cruise (e.g., doctor visits, hospital stays, medications). $25,000 up to $2,000,000 depending on plan. |
| Trip Cancellation/Interruption | Expenses due to canceling or cutting short a cruise due to illness, injury, or other covered reasons (e.g., family emergency), this coverage helps recover prepaid costs. Up to 150% trip cost; includes Cancel For Any Reason (CFAR) options (time-sensitive). | Usually not included or limited; focus is on medical coverage. |
| Trip Delay / Missed Connection | Covered; e.g., $500 missed connection, travel delay benefits | Rarely covered; focus on medical |
| Baggage Loss/Delay | Reimburses for lost, stolen, or delayed luggage. Covered up to $2,500 with item limits. | Not typically covered |
| Pre-Existing Condition Coverage | Some plans offer acute onset coverage; CFAR add-ons available | Some plans cover acute onset pre-existing conditions (e.g., Diplomat America) |
| Coverage Area | Worldwide, focused on cruise itinerary | USA and international travel depending on plan |
| Deductible Options | Varies by plan, often $0 to $250 | $0 to $500 deductible options available |
| Typical Cost Range | From a few hundred to several thousand dollars depending on trip cost, age, coverage. | Monthly premiums from $20 (basic) to $300+ (high coverage) |
| Additional Benefits | Emergency evacuation, repatriation, travel assistance, CFAR waiver, itinerary change | Telehealth, COVID-19 coverage, acute pre-existing condition, repatriation. |
| Ideal For | Travelers who want more than just medical coverage, especially those who are concerned about loss due to trip cancellations, delays, or other unexpected disruptions. | Primarily for health-related coverage, especially those who have health conditions or are concerned about limited healthcare access during the cruise. |
Which Cruise insurance to Choose?
- If you're primarily concerned about health risks, cruise medical insurance may suffice.
- If you want protection for your entire trip (e.g., medical, trip disruptions, luggage issues), cruise travel insurance is more comprehensive.
Both types of cruise insurance can often be bundled, so it's worth comparing plans to get the best mix of coverage based on your needs.
What factors should I consider while buying cruise insurance?
There are several factors to consider when choosing an insurance to cover your cruise. Firstly, you may be offered insurance by the cruise line. BEFORE you accept it, consider if you would rather insure the whole trip (including air travel to and from the ports or your travel by vehicle to the port of disembarkation) AND whether you would like to also have health insurance while you are on your cruise and for all the stops along the way.
If you think you might want a more complete plan, consider checking options on American Visitor Insurance to compare prices and opt out of the cruise company option. If you’ve decided on a more inclusive plan, then the main thing that limits your choices will be how much you want to insure the trip for (it should include all non-refundable portions of your trip cost) and how much medical expense coverage you think you will need. Remember that if something happens while at sea, you may need emergency medical evacuation from the ship which is covered by all our trip cancellation policies and may NOT be included in the policy offered by the cruise line.
For example, the iTravelInsure insurance from IMG can cover trips from $10,000 or less per person up to $150,000 per person and offer medical coverage from $100,000 maximum to $500,000 maximums. If you have questions or concerns about plans we offer, please feel free to give us a call and chat with us today!
What if I need to be airlifted off of the cruise?
The plans offer a benefit called emergency medical evacuation. This benefit can move you from your cruise ship to the closest hospital that can attend you. It can also move you between hospitals if your current hospital cannot accommodate your needs. Also, it can move you to a hospital close to your home if a physician deems it necessary.
What support is available during the trip?
With American Visitor Insurance you can get help at day or night anytime you need while traveling. All our plans give you a special phone number you can call 24/7 and no matter where you are. If you have a medical emergency we will help you to find doctors and hospitals nearby. If there are any serious conditions we will arrange to move you to get the right medical care. we can also keep track of how you are doing and talk with the doctors. We will help with other problems like Finding your lost bags, Helping you get a new passport and travel papers if yours are lost, Getting you emergency money if you're stuck, Finding a lawyer if you need one. If anything unexpected happens during your travels on your Disney cruise you always have expert help ready just a phone call away.
Which is the best Disney cruise insurance with medical evacuation?
Traveling on Disney cruise is an extraordinary adventure and a thrilling experience, but it requires thorough preparation due to its extreme environment and isolation. Natural disasters or severe weather conditions can lead to serious illnesses or injuries which may require treatment beyond the capabilities of local facilities. Evacuation from Disney cruise involves specialized procedures which can be extremely expensive.
Evacuations often involve multiple stages, including transport to a research station and then airlift to a hospital in South America, New Zealand, or Australia. Sometimes helicopters are used for short-distance evacuations to nearby research stations or ships or fixed-wing aircraft is used for long-distance evacuations, often requiring specially equipped planes for ice landings and take-offs.
Cost of short distance evacuation from a field camp to a research station can range from $10K to $50K depending on the distance and urgency while cost of long distance evacuation from a research station to a hospital in South America or another continent can range from $100K to $300K or more, depending on the complexity and distance. If specialized medical care and equipment are needed during the evacuation, costs can exceed $500K. Therefore a comprehensive travel insurance with medical evacuation coverage for Disney cruise is essential which will cover high-cost evacuations and includes adequate limits.
Following are some of the best Disney Cruise medical insurance
- iTravelInsured Travel Choice Insurance: iTravelInsured Travel Choice provides coverage for medical evacuation up to $500,000, with the option to increase coverage to $1,000,000. This plan offers trip cost up to $10,000. The iTravelInsured Travel Choice cost for a 50-year-old traveller is $382, based on a trip cost of $10,000 and a trip duration of 15 days.
- Seven Corners Cruise Insurance: Emergency medical evacuation covered up to $500,000. This plan is ideal for cruises and offers trip cost up to $30,000. The cost of Cruise travel insurance for a 50-year-old traveler is $520 based on a trip cost of $10,000 and a trip duration of 15 days.
- Safe Travels Journey Insurance: Safe Travels Journey provides coverage for medical evacuation and repatriation of remains up to $500,000. This plan offers trip cost up to $50,000. The Safe Travels Journey cost for a 50-year-old traveler is $532, based on a trip cost of $10,000 and a trip duration of 15 days.
- Safe Travels Voyager Insurance: Emergency medical evacuation covered up to $1,000,000. This plan is ideal for first class cruises and offers trip cost up to $100,000. The Safe Travels Voyager cost for a 50-year-old traveler is $620, based on a trip cost of $10,000 and a trip duration of 15 days.
- Trip Protection Choice Insurance: Trip Protection Choice Insurance offers coverage for Emergency medical evacuation up to $1,000,000. This plan is ideal for first class cruises and offers trip cost up to $100,000. The Trip Protection Choice cost for a 50-year-old traveler is $707, based on a trip cost of $10,000 and a trip duration of 15 days.
- ITravelinusred Travel LX Insurance: iTravelInsured Travel LX provides coverage for medical evacuation up to $1,000,000. Ideal for elite luxury cruises and offers trip cost up to $150,000. The iTravelInsured Travel LX cost for a 50-year-old traveller is $1,101, based on a trip cost of $10,000 and a trip duration of 15 days.
What does cruise travel insurance cover?
1. Accidental and Medical expenses
One might believe that the regular health insurance covers your health while on a cruise and might question the need for cruise medical insurance. However one might be rudely shocked as many US health insurance plans do not cover you outside the US borders (including Medicare). The travel insurance for cruise trip pays for the medical treatment for any sickness or accident that one can encounter during the trip. The cruise health insurance coverage varies on the cruise insurance chosen, but can provide coverage up to $500k.
2. Trip cancellation and inability to go on the cruise
Given the uncertainties involved in planning vacations very early, it is likely that one cannot go on a cruise as planned. The best cruise insurance coverage pay a complete refund for valid reasons like the accidental death or injury of the traveler or a non-traveling family member. The Cancel for any reason travel insurance benefit in a cruise cancellation insurance gives further flexibility and provides 75% refund of the non-refundable expenses for not taking the cruise for any reason.
3. Trip interruption
The trip interruption benefit of a travel insurance for cruise trip can pay up to 150% of the trip cost in the event that the traveler has to cut short his/her cruise vacation and return home in an emergency. This benefit takes in to consideration the high costs that one can incur for flight tickets should they need to buy tickets in an emergency. This benefit provides peace of mind to the vacationer during the cruise holiday.
4. Medical Evacuation
The best travel insurance for cruise trip also provides coverage for medical evacuation up to $1M if the vacationer has to be evacated to get access to proper medical treatment in the event of a medical emergency. Some cruise insurance plans also offer up to $50K for non medical evacuation.
5. Missed connection
The missed connection benefit provides up to $500 additional transportation costs to join the cruise or tour for any delay of the stipulated time of travel.
6. Repatriation of remains
The repatriation of remains benefit pays for the repatriation expenses in the event of death of the traveler for any reason. The best cruise insurance offers up to $1M as part of this benefit. There is also another repatriation benefit in the event of an accident during the vacation. These benefits are for the death, loss of sight or loss of limbs due to an accident that occurs during the cruise holiday.
7. Baggage loss and baggage delay
This baggage loss benefit by the best insurance for cruises offers up to $2,500 with a $250 maximum per item for baggage loss and $500 after initial delay of 12 hours. Given all these benefits, it is important that cruise vacationers buy the best cruise travel insurance given the relative low cost of cruise insurance.
The cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best cruise travel insurance plans.
Cruise travel insurance protection timelines
Going on a cruise vacation can be an expensive and a simple delay or missing a flight can spoil the entire vacation. Given the constant changes in the weather conditions, delays with airline and airport chaos, factors like covid pandemic in famous cruise destinations, travelers should have good Cruise travel insurance to protect the money spent on the cruise.
Cruise travel insurance provides coverage well before the start of the cruise, continues with the coverage during the cruise at Sea till the Cruise journey is completed. Given below are the coverage details at different stages of the Cruise.
1. Cruise insurance protection before the commencement of the Cruise
Cruise insurance offers protection against the traveler’s monetary investment on the cruise from the time the cruise travel insurance has been purchased and the initial booking for the Cruise has been made. The cruise insurance will reimburse the trip expenses if anything goes wrong before the start of the trip. If the travelers are unable to reach their cruise or got delayed for some covered reason like illness or bad weather then the trip expenses can be reimbursed.
Cruise insurance will reimburse all of the trip expenses under the Trip Cancellation cover if the cruiser is not able to reach the cruise in time for any covered reason. Covered reasons like bad weather, illness, injury, or death can be insured. If the insurance includes Cancel for any reason, then the traveler can simply decide not to take the cruise and still get reimbursed up to 75% of the non-refundable cruise expenses.
2. Cruise insurance coverage during the journey
Many cruisers are not aware of the high healthcare cost on a cruise ship. The basic diagnosis and treatment of regular health conditions can cost thousands of dollars on board a cruise ship. In case the passenger has to be evacuated to the nearest port the cost of evacuation can be astronomical. Cruise insurance offers travelers medical insurance coverage for unanticipated illness or injury during the cruise.
Most policies offer benefits for on-board medical treatment, as well as additional coverage for an evacuation in case of an emergency. Cruisers whose primary domestic health insurance does not offer coverage outside of the US borders or to any inaccessible locations should choose comprehensive cruise insurance.
Vacationers who are concerned about the medical emergency that can arise while on the cruise should choose to buy a comprehensive cruise insurance policy that covers Emergency Medical treatment and Medical Evacuation. There are also a few Cruise travel insurance plans that offer coverage for acute onset of Pre-existing conditions.
3. Cruise insurance for bad weather conditions like a hurricane
Most of the vacationers plan for a cruise trip during the summer which ironically is the hurricane season. This makes cruising risky as it is exposed to cancellations due to bad weather conditions. Cruise travel insurance offers coverage for Hurricane & adverse weather, where cruisers can reimburse the cost of the trip in case the trip gets cancelled due to extreme weather, a storm at their destination or any delays due to weather.
How cruise travel insurance offers coverage for illness and evacuation?
The travellers on cruises are not aware of the expensive healthcare cost while on a cruise ship. The basic diagnosis and treatment of regular health conditions can cost thousands of dollars on board a cruise ship. In case the passenger has to be evacuated to the nearest port the cost of evacuation can be astronomical.
Cruise insurance offers travelers medical insurance coverage for unanticipated illness or injury during the cruise. Most policies offer benefits for on-board medical treatment, as well as additional coverage for an evacuation in case of an emergency.
Cruisers whose primary domestic health insurance does not offer coverage outside of the US borders or to any inaccessible locations should choose comprehensive cruise insurance. There are also a few Cruise travel insurance plans that offer coverage for acute onset of Pre-existing conditions.
How to buy insurance for a cruise?
At AmericanVisitorInsurance, you can find several trip insurance plans or cruise insurance plans and almost all cover 100% and more than 100% for trip cancellation and trip interruption respectively. Make sure you know what you require and look carefully that satisfies your requirements. Go through the exclusions to know what is not covered as well. Here is a step by step guide to buy the insurance:
- Visit our cruise page and scroll to see the available plans for your criteria.
- Click on the link provided for each plan and view the benefits.
- Once you decide on the plan, please click on the Buy link provided and fill the form and complete the application online.
- Make the premium payment to the plan online by paying through your credit card.
- Once the transaction is completed successfully, you will receive a confirmation email to your email address.
Make sure to save the confirmation email safely as this will have your policy details and also the Certificate number of the plan which is very useful for all the future conversations with the insurance company.
What affects the cost of Disney cruise travel insurance?
There are various factors that affect the cost of the cheap cruise travel insurance. A standard policy with Trip Cancellation coverage will cost between 5% and 10% of a traveler’s total trip cost.
- Age of the traveler: The cost of travel insurance is directly proportional to the age of the traveler. The older traveler usually pay higher premiums due to increased health risks
- Type of travel insurance: Comprehensive travel insurance policies for Mexican cruises which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
- Medical maximum coverage and deductible options: Higher medical coverage limits lead to higher premiums, while selecting a higher deductible can lower costs.
- Destination: Best cruise travel insurance for Disney cruise trips may cost more due to factors like hurricane risks and potential medical evacuations.
- Trip duration: Longer cruises generally result in higher insurance costs due to extended coverage needs.
- Additional Benefits: Add-ons like Cancel for Any Reason (CFAR), coverage for adventure activities in Disney cruise insurance, or higher baggage limits can increase costs.
Travelers can check with the cruise if they will provide a refund or voucher if you cancel. If yes, then travelers do not need to insure the cost of the cruise to make the travel insurance policy a little cheaper.
What to look for in cruise health insurance for Disney cruises?
Look for the following while looking for cruise insurance:
- Ensure that the plan provides good coverage for Emergency Medical Evacuation, Repatriation, Accidental Death and Dismemberment in case of any unforeseen emergencies.
- Make sure that the cruise insurance covers trip cancellation, trip interruption, loss of luggage, personal property, travel delay and baggage delay. This makes it easier to recover the trip cost or the cost of personal property or damage in case the trip gets cancelled or delayed respectively.
- Check to see what the age of the traveler is. If the traveler is a senior traveler, look if they need coverage for any existing conditions. Our senior cruise travel insurance page has plans suitable for senior travelers going on a cruise.
- Look for a plan that provides higher policy maximum limits, in case of any unexpected medical emergencies.
- Ensure that the plan provides flexible and comprehensive coverage in order to have sufficient coverage while outside the country.
- See if you can find a plan with Cancel for any reason insurance benefit, in case you are unsure of any possibility of cancelling the trip due to any kind of emergency situation back home.
Which is the cheapest cruise insurance for trips to Disney cruise?
Finding affordable travel insurance for Disney cruises involves comparing various plans to identify one that balances cost with adequate coverage. Here are some options to consider:
ITravelinsured Choicefrom IMG
- Most popular Cruise cancellation insurance for U.S. residents covers trip costs up to $10,000.
- Medical evacuation and repatriation of remains are covered up to $500,000, with the option to enhance coverage up to $1,000,000.
- This plan provides accident and Sickness medical expense covered up to $100,000, with the option to enhance coverage up to $250,000.
- Missed cruise connection covered up to $500 .
- Optional cancel for any reason benefit covered up to $75% of non-refundable trip cost.
For more coverage details on baggage delay, trip delay, and other benefits, please refer to the brochure for the full schedule of benefits.
Safe Travels Protect from Trawick International
- Cheapest Cruise cancellation insurance from Trawick International offers trip cost up to $14,000.
- This plan provides a maximum of $25000 for emergency accident and sickness medical expense.
- Emergency Evacuation coverage is covered up to $250,000 and $350,000 for Repatriation of remains.
- Missed Cruise connection covered up to $250 for delays of 12 hours or more.
For more details on missed connection coverage, trip cancellation, and other benefits, please refer to the brochure for the full schedule of benefits.
Cruise Travel Insurance from Seven corners
- Specifically designed for cruise travelers, offers trip cost up to $30,000.
- Medical evacuation and repatriation of remains are covered up to $500,000.
- This plan provides accident and Sickness medical expense covered up to $250,000.
- Missed cruise connection covered to $250 per day up to $1,500.
- Optional cancel for any reason benefit covered up to $75% of non-refundable trip cost.
For more details on this plan, including coverage for baggage delay, trip cancellation, and Cancel for Any Reason, please refer to the brochure for a complete list of benefits.
Safe Travels Explorer from Trawick International
- Affordable Cruise insurance for domestic and international leisure or business trips, trip cost up to $30,000
- Medical evacuation and repatriation of remains are covered up to $200,000.
- This plan provides accident and Sickness medical expense covered up to $250,000.
- Missed cruise connection covered to $500.
For more details on this plan, including coverage for baggage delay, trip cancellation, and Cancel for Any Reason, please refer to the brochure for a complete list of benefits.
Can I insure a luxury cruise vacation to Disney?
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 iTravelInsured LX, 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.
- 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 Sports Equipment Rental covered up to $2,500 per item up to $5,000
- Optional cancel for any reason benefit covered up to $75% of non-refundable trip cost.
To learn more about iTravelInsured 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.
- 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 Choice, refer to the plan brochure for the full schedule of benefits.
Best Luxury cruise travel insurance
Can I get coverage for pre-existing conditions on a Disney cruise?
Yes, several travel insurance plans, including Seven Corners Cruise Insurance, Safe Travels Voyager, iTravelInsured Travel Plans, and Trip Protection Choice, offer coverage for pre-existing medical conditions on a Disney cruise. However, coverage is subject to specific conditions. Many plans provide a waiver for pre-existing conditions if the policy is purchased within a certain time frame after booking the trip.
This waiver ensures that unexpected medical issues related to pre-existing conditions, including emergency treatment and medical evacuations, are covered. Without it, coverage may be limited, and related expenses could be excluded. Always review the policy details and eligibility criteria before purchasing.
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Do seniors with Medicare need travel insurance for international trips?
US pensioners and older travelers with Medicare need good international travel insurance given that Medicare offers little coverage outside USA. Any travel overseas involves risks especially for older travelers and the costs of medical evacuation and health care outside the US is expensive.
In this context buying Medicare Supplemental international travel insurance coverage for US senior citizen travelers is strongly recommended.
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Best Cruise insurance for Seniors
Compare and Buy Cruises Travel Insurance with cancel for any reason for senior citizens.
Click here to read more »Disney cruise line insurance - FAQ's
01.Is Cruise Insurance worth it?
Having good cruise insurance can make all the difference for a memorable vacation should a vacationer face any adverse situation during the cruise. The cost of cruise travel insurance varies depending on the coverage benefits included, but they typically cost between 5 to 10% of the non-refundable cruise trip costs.
Given the cruise health insurance coverage benefits, this additional cruise insurance expense is definitely worth it. Some of the benefits provided by cruise insurance include coverage for cruise cancellation expense, any additional expense due to flight or travel delay, baggage loss or baggage delay, expense due to medical evacuation to healthcare facility as well as the healthcare costs if one falls ill or is injured during the cruise.
02.What coverage does Cruise travel insurance provide?
Most cruise travel insurance plans provide the following coverages :
- Trip cancellation
- Trip delay
- Emergency medical evacuation
- Baggage loss
- Baggage delay
- Medical coverage
Some add-on coverage available with some plans include - Cancel for any reason cancellation. Please look at the plan brochures for details of the coverage.
03.Do you need to buy Cruise insurance?
There are many coverage benefits provided by Cruise insurance which are very important while going on a cruise vacation. Cruise insurance provides coverage for trip cancellation, trip delay, flight delay or missed connections resulting in missed cruises and any additional expenses related to making the cruise, baggage loss, baggage delay, medical evacuation if needed to healthcare facility as well as covering the medical expenses of the traveler.
All of these cruise insurance coverage benefits are very important given the nature of traveling on a cruise. Given the Covid pandemic, some cruise lines are recommending cruise travel insurance, especially for unvaccinated travelers.
Irrespective of whether cruise insurance is mandated or not, given the relatively low cost of cruise insurance when compared to the coverage benefits provided, buying the best cruise travel insurance is strongly recommended. Cruise health insurance provides peace of mind and can make all the difference in making in one’s cruise vacation memorable.
04.When should I buy the Cruise Insurance
It is best to buy the cruise insurance as soon as you make the first payment for the trip. The Cruise cancellation insurance benefit starts as soon as you buy the insurance well before the actual cruise start date.
It is possible that you cancel the trip for valid reasons well before the journey and if you have cruise insurance, you are eligible to get the benefit of this coverage. Some benefits such as the ‘Cancel for any reason’ is also time sensitive and usually needs to be bought within 21 days of the first payment.
However travelers can buy cruise insurance later as well and can be bought just before the cruise starts. Some plans are even available post-departure of the cruise.
05.Does Cruise travel insurance provide coverage for Covid19?
Cruise insurance plan coverage vary depending on the insurance plan and the underwriting companies. At American Visitor Insurance, we do have cruise health insurance plans which cover Covid19 as any other illness.
This implies that you will be covered for health expenses incurred due to treatment of Covid19 as well as medical evacuation expenses if you need to be evacuated to a healthcare facility.
06.What should travelers consider while buying the best cruise travel insurance?
While purchasing a good cruise insurance policy travelers can look for a complete coverage with benefits like cancellations and medical emergencies, in addition to standard coverage included in the travel insurance. A comprehensive cover generally offers full coverage that can save some extra money for the travelers.
Some of the benefits that are included in Cruise cancellation insurance are:-
- Trip Cancellation: Offers a reimbursement for the traveler's prepaid and non-refundable trip expenses, including their airfare, cruise, excursions, and tours. Hurricane & Weather coverage is included in most policies with Trip Cancellation coverage.
- Emergency Medical: The cost of routine medical checks have increased hence its advisable that travelers traveling by cruisers buy a travel insurance policy a minimum of $100,000 for Emergency Medical.
- Medical Evacuation: Cruisers should purchase a policy with a minimum of $250,000 for Medical Evacuation coverage as the chances for evacuation is higher on the cruise.
Apart from the coverage for cancellations and medical emergencies, a good travel insurance plan will include travel delay, missed connections, and luggage. There are few policies that offer coverage for Itinerary Change, where a reimbursement can be claimed by travelers for missed events in the event of their travel supplier changing their itinerary.
07.What is the best time to buy the travel insurance for cruise cancellation policy?
Travelers can choose to purchase the travel insurance until the day before the cruise begins the trip. However it is advisable that travelers should purchase a travel insurance policy at the earliest to enjoy the benefits for unexpected events that impact the trip.
For example, if a traveler is planning a cruise and if there is a forecast of a storm then it would be too late to buy a policy for that storm. Few add-on benefits like Cancel For Any Reason or Pre-Existing Condition coverage are time-sensitive which are available within 10-21 days of the initial trip payment like cruise down payment.
08.How much is the cost of cruise cancellation insurance?
There are various factors that affect the cost of the cheap cruise travel insurance. A standard policy with Trip Cancellation coverage will cost between 5% and 10% of a traveler’s total trip cost.
- Age of the traveler: The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.
- Type of travel insurance: Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance
- Medical maximum coverage and deductible options: The price of visitors' medical insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
- Region of coverage: Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.
- Duration of travel insurance: The longer the duration of visitor medical insurance required, the higher will be the cost.
Travelers can check with the cruise if they will provide a refund or voucher if you cancel. If yes, then travelers do not need to insure the cost of the cruise to make the travel insurance policy a little cheaper.
09.Where can I buy the Cruise travel insurance policy?
There are multiple platforms that travelers can buy the cruise medical insurance policy .And one such platform is American Visitor Insurance works with reputed US travel insurance providers to give international travelers a wide range of travel insurance options. Our company has two decades experience in understanding the diverse requirements of international travelers and in offering appropriate travel insurance options to them.
Our typical customers range from international travelers visiting family in the US, international students, J visa holders, H1b Visa holders, US travelers going overseas, travelers to Schengen countries who need travel insurance to satisfy visa requirements, Cruise travelers, trip cancellation customers to insurance their trip expenses, travelers looking for Covid19 travel insurance with quarantine coverage as mandated by certain countries, corporate professionals and business travelers who travel internationally regularly as well as other diverse traveling groups with unique needs.
Our licensed dedicated customer support team provides service at all times helping customers find the most appropriate travel insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency.
We also provide answers to all international cruise travel insurance questions, reviews of different cruise travel insurance products, testimonials for customers as well as provide an user-friendly travel insurance comparison tool where travelers can compare different products based on price as well as the coverage benefits. All of these tools help travelers make an informed decision while buying travel insurance.
10.What coverage should a cruiser include in the policy?
Cruisers can choose to insure all of their trip expenses when booking a cruise. It’s always best for travelers to insure non-refundable deposits. This includes down payment, excursions, travel expenses, airfare and hotel accommodations.
11.My cruise will go to several countries/ islands, how can I enter my destination if I only get to put one entry?
Don't worry! Your coverage will be worldwide, so you don't have to enter each and every port of call on your itinerary. If one of your stops will be in the US (besides the start or end of the cruise), then you should enter the United States as your destination so that you get a vacation travel insurance that includes domestic travel. Otherwise, you can enter your first port of call and you will be covered for your entire cruise!
12.I already insured my trip with the cruise line, do I really need more insurance?
That depends. Did you look over their policy carefully? The cruise insurance may be focussed on getting your money back for what you paid for the cruise. What about your plane tickets to get you to the initial port and home from the last port?
What if your luggage is lost on the way? What if you get sick or hurt during your cruise? Be sure that you have cruise health insurance that is good while you are away from home.
Going abroad or even out of state can increase deductibles and/or coinsurance or you may not even be covered. Find out ahead of time! Know the limitations of the cruise medical insurance and figure out if you would like to be more secure in your purchase. Finally, trip cancellation insurance companies are experts at helping travelers and they have thought of a lot of things going wrong that you may not have! So, consider your options carefully.
Travel tips for cruise travelers
Travel tips for international cruise travelers – Safety, Comfort and Wellness.
Cruise travel insurance reviews
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