What if sickness interrupts a planned Great Lakes cruise? What about lost luggage while cruising the Great Lakes? Or what if the Great Lakes cruise itself is cancelled?

Great Lakes cruise fans can have some peace of mind with travel insurance. The cost of basic policies is often quite low and they provide coverage for some common losses. While it’s true that homeowners’ policies may cover some losses while traveling, these policies typically have limits and may not cover everything that could go wrong. Travel insurance policies may not cover everything either, for that matter, but they will still provide extended coverage over a standard homeowner’s policy.

There are several things to consider before buying travel insurance for a Great Lakes cruise. First, passengers should look at their own homeowner’s insurance and what will it cover. Will it cover Great Lakes cruises, or any other cruises at all? In the event of a loss, will a claim result in a rise in premiums? If so, Great Lakes cruisers may want to consider a travel policy that will entirely cover their Great Lakes cruise as well as the trip to and from the ship so that they won’t have to touch their homeowner’s policies at all.

Second, examine the travel policy carefully to see exactly what is covered. In the event of job loss will the policy reimburse the cost of the Great Lakes cruise? Some policies may and some simply won’t.

Third, believe it or not, some policies may return a portion of the fare to passengers who change their minds about cruising the Great Lakes. These policies are harder to find, but it is something to think about.

Fourth, what about pre-existing medical conditions? Some policies may provide coverage and some may not. Even though Great Lakes cruise ships are usually close to a port and a major hospital, a medical emergency requiring and airlift to a hospital can run into thousands of dollars. A little insurance policy would seem cheap right about then.

As a general rule, experts have recommended avoiding the insurance offered by the cruise line as many say these policies are overpriced for what you get. Instead, doing a little homework and comparing policies by several travel insurers may help provide a better Great Lakes cruise experience.

Passengers taking only a short dinner cruise or those who only have a couple of hundred dollars invested in cruise tickets might not want to invest in travel insurance. But, those who’ve bought one of the premium weeks long Great Lakes cruise tours and have airplane tickets and hotel reservations involved may find travel insurance is something they want to consider to help make their Great Lakes cruise a happy, safe and memorable one.

Related Posts:

Comments are closed.

Powered by FeedBurner