What doesn't my cruise travel insurance policy cover?
As with all types of insurance, you can’t be covered for every situation that occurs. Some things that we can’t cover you for while you’re on your cruise holiday include:
- Missed ports: Sometimes it happens – bad weather may prevent your cruise ship from being able to dock at a port. While there is no cover on your cruise travel insurance policy for missing a port, you can put a claim in for any shore excursions that you’ve already paid for at that destination.
- Cabin confinement: Unfortunately, if you’re confined to your cabin because there’s a viral outbreak on-board your cruise ship, there’s no cover for you not being able to enjoy everything that the cruise ship has to offer. If you do unexpectedly contract a virus, however, and need to see the doctor, you can put in a claim for the medical expenses you incur.
- Unsupervised belongings: You must take care to reasonably protect and secure your luggage and personal effects at all times. Make sure that you have your belongings with you, or keep them locked up in your cabin. The level of care required is relative to the value of the itself. If you take a dip in the pool, leave your phone on a banana lounge, and someone takes it, it would be considered to have been left unsupervised. There is no cover on your cruise policy for unsupervised items.