Cancellation Cover in Cruise Travel Insurance

What is Cancellation Cover in Cruise Travel Insurance?

Cancellation cover in cruise travel insurance specifically caters to the unique nature of cruise holidays. Unlike other forms of travel, cruises often require extensive planning and significant upfront costs. As such, the potential financial loss due to a cancellation can be substantial. This cover typically reimburses passengers for non-refundable deposits, pre-paid excursions, and other trip costs if the cruise is cancelled due to covered reasons such as illness, injury, or unforeseen events.

Moreover, cancellation cover also includes "Curtailment," which can provide cover, should you need to cut your cruise short, due to unforeseen circumstances. Understanding and selecting the right cancellation cover within cruise travel insurance ensures that travellers can embark on their journey with confidence, knowing they’re financially protected against a wider range of potential disruptions specific to cruise travel.

What Does Cancellation Insurance Not Cover?

Each travel insurance policy has exclusions. Generally, cancellation insurance won't cover:

• Known issues when booking the cruise.
• Change of heart about travelling.
• Illness or injury due to drug or alcohol influence.
• Cruise line or travel provider cancellations (reimbursement should come from them).

Always review your policy to know what is not covered.

Does Holiday Cancellation Insurance Cover Supplier Cancelled Cruises?

Holiday cancellation insurance does not include cancellations made by your travel supplier. If the cruise line cancels your trip, for reasons outside your control, they are responsible for providing reimbursement or rescheduling your trip.

It’s essential to thoroughly read the terms and conditions of your insurance policy to understand what is covered and under what circumstances.

What Can I Claim For With Holiday Cancellation Cover?

When you cancel your trip due to a covered reason, cruise cancellation cover allows you to claim for various pre-paid, non-refundable expenses. These may include:

Cruise Cost: Reimbursement for your cruise booking, which includes any flights, or any other expenses included within your cruise booking.

Flight Tickets: If you booked flights separately, to get to your cruise's departing port, and the flight was not included in your cruise price.

Pre-paid excursions: Non-refundable costs for tours and activities that were planned and paid for before the trip.

Transport fees: Cover for non-refundable transport arrangements, such as car rentals, taxi services, or rail tickets.

Event tickets: Tickets for events, such as concerts or theatre shows, which may be non-refundable.

It's important to review your travel insurance policy to understand the claim process and the specific types of expenses covered under holiday cancellation cover.

How Much Protection Will Cancellation Cover Give Me?

The protection amount depends on:

• Your travel insurance policy's cancellation cover limit
• Expenses incurred booking your holiday.

Cancellation limits vary by provider and package. When purchasing your insurance, you need to ensure your policy's cancellation limit matches your holiday cost. For example, if your cruise costs and any other holiday expenses add up to £600, the cancellation benefit of your policy should have a limit of at least £600 per person.

However, if your policy's cancellation cover is capped at £1000 per person but you've spent only £600 per person, compensation will be limited to your actual expenditure.

Additionally, when making a claim, be aware of the excess amount. Insurers will look to either remove the excess amount from your compensation amount or they will request payment before processing your compensation.

When Should I Buy Cruise Travel Insurance?

Purchase travel insurance with cancellation cover as soon as you've booked your trip. This ensures protection from any unforeseen events from the moment you buy your holiday until you return home.

READ MORE: Do I Need Cruise Travel Insurance?

Understanding and securing cancellation cover in your travel insurance is crucial when planning a cruise holiday. It provides financial protection and peace of mind, allowing you to focus on the excitement of your upcoming voyage rather than potential what-ifs.

Should unforeseen circumstances arise, this insurance cover ensures that you are not left financially disadvantaged, making it an indispensable part of your travel planning. Always read the terms and conditions of your policy thoroughly to understand your policy limits and exclusions. With the right cancellation cover in place, you can enjoy your holiday knowing you've taken proactive steps to safeguard your investment.

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