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Third-party travel insurance crucial for cruise-lovers

26 January 2009 20:45

Third-party travel insurance crucial for cruise-lovers

Anyone planning to enjoy a holiday tour on the water should purchase a cruise travel insurance policy rather than relying on any cover provided as part of the package.

That is according to holiday insurance expert Ed Perkins, who explained that some cruise lines now offer cancellation cover as an additional extra when booking.

However, he wrote on that such policies offer little in the way of protection when compared to the trip-cancellation (TCI) provided by fully fledged travel insurance policies.

"Cruise 'insurance' is often just a waiver of the cancelation penalty rather than true TCI; a waiver can be less expensive, but it probably affords less protection," Mr Perkins noted.

He suggested that such waivers usually include fewer covered reasons or individuals as TCI and that they do not typically extend to trip interruptions.

As well as these things, they also fail to provide the other benefits of proper travel insurance, including medical cover, emergency evacuation and lost or stolen baggage protection.

Many people are enjoying cruises around the Far East this month to celebrate the Chinese New Year, which is said to cause the largest mass movement of people on the planet, with more than two billion revellers embarking on journeys to celebrate.ADNFCR-1320-ID-18990885-ADNFCR