• International Insurance Blog

  • Thursday, September 21, 2017

In today's economy, cruises have become an increasingly popular vacation choice because of their all-inclusive nature. With a cruise, you get all the on-board activities that take place on the ship, you get to stop and explore some amazing ports of call, and your lodging and travel expenses between stops are covered within your cruise tickets. It's a great way to bundle the costs of all the elements of your vacation into one price. But one element that isn't included but is crucial for a safe and healthy cruising adventure is travel medical insurance.

What's that you say? You already have medical insurance through your employer? That's great when it comes to domestic needs. Did you realize it may very well not cover you when you're in international waters or docked in other countries? It's true. Many insurance plans, especially those with restrictive in and out of network policies, will not offer you coverage for accidents and illnesses that occur outside the borders of the country the plan was issued in.

So what does that mean? It means you are essentially uninsured on a cruise. So if you hurt yourself while rock-climbing at a port of call and have to visit a doctor in that country, you will need to pay full prices out of pocket. That can be very expensive, especially depending on the severity of your injury.

Travel medical insurance will protect you financially in this sort of event. It will cover the costs of medical coverage just as your current plan does in your native country. So you'll be assured of high-quality, affordable medical care. Remember when booking your trip their is one element that is not included in your great deal; health insurance.

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