ST. PETERSBURG, Fla., Feb. 6, 2018 /PRNewswire/ — A record-breaking 2017 hurricane season that damaged popular cruise destinations and an icy winter that temporarily closed some airports caused many travelers to lose money. Now as cruise lines are offering their largest discounts of the year, known as ‘Wave Season’, cruisers are making their travel plans and hoping to protect their investment. Leading travel insurance comparison company, Squaremouth, explains how to avoid the four biggest mistakes that can make a policy worthless.
Mistake No. 1: Waiting Until There’s Bad Weather to Get Travel Insurance
Travel insurance only covers unexpected situations; once a hurricane or winter storm has been given a name, it’s too late for travel insurance.
Expert Tip: While travel insurance can be bought up until the day before you leave for your trip, make sure to get your policy early if you’re worried about future weather issues, before a hurricane or winter storm is named.
Mistake No. 2: Drinking Alcohol and Assuming Your Medical Emergencies are Covered
Travel insurance can cover expensive cruise ship medical costs unless the traveler is intoxicated. This is a common exclusion in most policies.
Expert Tip: Travel insurance providers will not always know if travelers were drinking alcohol at the time of an injury or illness, however, providers will require documentation during the claims process, such as medical records or a police report.
Mistake No. 3: Assuming Your Medical Emergencies are Covered During All Shore Excursions
Travel insurance covers medical emergencies whether travelers are on the cruise ship or on land, including shore excursions. Some travelers may be aware that there are exclusions on dangerous activities such as bungee jumping or skydiving, but many travelers may not realize that a policy may exclude lower impact activities like kayaking or riding in a hot air balloon.
Expert Tip: Look at the policy detail for each shore excursion you plan to participate in while on your cruise before you buy the policy. If the policy excludes the activity, choose another policy or consider getting the Hazardous Sports upgrade.
Mistake No. 4: Arriving to Your Port of Departure Early and Assuming You’re Covered
Travelers may want to spend a few days at their Port of Departure before their cruise begins. Many travelers may assume they only need to get a policy for their cruise, but travel insurance is designed to cover travelers from doorstep to doorstep