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Cruise Insurance Gotchas: Avoid Costly Mistakes

Hidden Medical Expenses and Travel Costs

WEB Michael Smyrl, 70, suffered a major heart attack on Nov. 5 just five days into a 20-day cruise to the Caribbean. Despite having travel insurance, his family was forced to pay more than $100,000 in medical bills and travel expenses because the coverage had several exclusions.

Common Travel Insurance Mistakes

WEB Travel insurance mistakes and misunderstandings are common among cruise ship passengers. Many policies do not cover pre-existing medical conditions, alcohol-related incidents, or high-risk activities.

Limited Liability for Cruise Lines

WEB If a vessel has an incident in Canadian waters, the owner can seek to limit their liability under the Convention on Limitation of Liability for Maritime Claims. This means that passengers may be left with limited compensation for their injuries or losses.

Cruise Line vs. Independent Insurance

WEB Cruise passengers can purchase travel insurance directly from the cruise lines or from independent insurance brokers. Cruise line policies may be more convenient but often have more exclusions and higher premiums. Independent insurance policies may provide more comprehensive coverage and flexibility.