CRUISING PREFERRED: Before you head off on a cruise, don't forget your cruise insurance.
CRUISING PREFERRED: Before you head off on a cruise, don't forget your cruise insurance. vale_t

Travel insurance tips for high seas cruising

NEW data reveals that our love of cruising has overtaken our love of land travel.

A survey of 2700 Aussie travellers conducted by the world's largest online travel insurer, InsureandGo, reveals that 54 per cent of travellers would rather go on a cruise than travel on land.

This preference for cruises is strongest amongst over-55 travellers.

Cruise Lines International Association's 2016-17 report shows that the number of Australian cruise passengers has quadrupled since 2008. A new record was set in 2017 with 1.3 million Australian passengers taking an ocean cruise.

The survey also revealed how fearful people were of six potential negative events that could occur when cruising - on-board medical emergencies such as needing hospital care; along with seasickness and gastro; onshore incidents; lost or stolen baggage; mechanical failures on a ship; and missing ports.

InsureandGo Managing Director Raphael Bandeira says, "For cruises, it's important that travellers purchase tailored cruise insurance to ensure they receive cover for potential incidents that are specific to cruising.

"InsureandGo was the first online travel insurer to provide a cruise-specific policy which starts from as little as $31. This includes cover for missed ports, cabin confinement, baggage before boarding, and pre-paid excursions. To get maximum benefits in the case of cancellation - such as 24/7 emergency assistance from more than 2000 multilingual operations - I recommend that travellers purchase this insurance at at the time of booking their cruise."

InsureandGo's essential tips to getting covered for cruise-related incidents.

Purchase a cruise-specific insurance, rather than a generic travel policy

A general travel insurance policy may not cover you for cruise-specific incidents such as missed ports. In its cruise policy, InsureandGo even covers travellers for cabin confinement, for instance, if they fall sick and are unable to take part in activities and tours. Policies start from as little as $31.

Disclose the medical conditions of anyone you are travelling with

To ensure any claim you make is valid once you've purchases travel insurance, ensure that you not only disclose any pre-existing medical condition that you might have, but also the pre-existing conditions that people in your group might have. Why? Pre-existing medical conditions change the level of risk of your holiday, as there is potential for your trip to be cut short if anyone in your group experiences a medical emergency. These conditions must be disclosed and accepted by your travel insurer prior to embarking. With Insureandgo, declare any pre-existing medical conditions can be done online.

Get the necessary vaccinations

Get any necessary immunisations and vaccinations for the destinations you are visiting. If a claim arises as a result of you, or your travel partner, cancelling or altering your travel plans because you contracted a disease specific to your travel region, that you could have been immunised against, you lose your cover.

Reveal any changes in your circumstances

Ensure you tell your insurer about any change in your circumstances that happens after your policy has been issued and before you travel. Your insurer has the right to change the conditions of your policy in line with the change of risk.

Give yourself adequate time to obtain travel documents

Ensure you prepare your passport and necessary visas ahead of time. If you have to cancel or postpone your trip due to failure to obtain documents in time, you won't be covered for any out-of-pocket expenses.

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