Cruise Insurance In Singapore
Travelling on a cruise ship for a holiday getaway is something that most people have on their bucket list especially for those who are not afraid of the open waters. However, there is always some degree of risk in almost anything that involves travelling and thus the need to be ready for anything. Numerous insurance companies in Singapore have considered this and so they offer cruise insurance cover to clients.
What is covered under cruise insurance?
Cruise insurance is designed to provide cover in case anything happens while you are on a cruise. It covers you where your travel insurance does not apply, for example, a cruise cover will make sure you are compensated in case you lose your luggage during a cruise.
Cruise insurance also offers a cancellation cover in case your pre-paid trip or tour is cancelled due to a variety of reasons such as port authority regulations or extreme weather conditions. It also provides a medical cover that will protect you in case of any medical emergencies during the entire duration of the cruise. This is particularly important if no treatment is available for a medical emergency on the ship especially if the situation is so serious that you might require to be flown out of the ship via a helicopter.
Which one is better between private insurance and cruise insurance?
If you have travel insurance, then chances are that it has a cruise package but the problem is that the cruise offering on the private insurance plan might be very limited. Cruise insurance might offer a better insurance package but it is always a good idea to read the terms and conditions so that you can determine which package best suits your preference.
Private insurers often provide cruise insurance but it is usually available under specific travel insurance plans. Fortunately, some benefits such as flights of the ship are guaranteed under every travel insurance plan. It is also worth noting that the open seas are highly unpredictable. The cruise ship may encounter storms and there is no telling what injuries or damages may result from it.
In short, cruise insurance will mainly cover you against the stipulated insured risks while on the cruise ship. Travel insurance, on the other hand, is ideal for activities that take place off the ship.
Critical considerations when selecting a cruise insurance cover
There are four major things to consider when selecting a cruise insurance cover.
- Personal accidents which include death or disability.
- Medical evacuation
- Emergency medical treatment while overseas as well as hospitalization.
- Other non-medical issues such as luggage loss or cancelled bookings or travel delays.
A cruise insurance cover should cover any expenses that may result in an accident while you are travelling on a cruise ship. For example, if a medical situation requires you to be flown off the ship immediately, then such an insurance cover will save you lots of money that you would otherwise have to pay out of pocket. Note that the latter would be a very costly affair. The same case applies to any treatment that would be involved in a medical emergency were to happen.
For non-medical emergencies such as baggage loss, having a cruise insurance cover will come in quite handy because the odds are that you might not find that luggage. In such a case, the cruise insurance cover will compensate you. You will, therefore, be compensated if you lose a camera or laptop that was part of your luggage. However, you might want to leave expensive items at home if you are taking a cruise to avoid such risks. Only carry items that are essential for your trip.
Your cruise insurance premium will be different depending on your destination. For example, travelling from Singapore to Japan will be more expensive than travelling from Singapore to Malaysia.
How Singapore insurance companies handle cruise insurance
It is also worth considering that Singapore insurance companies will only provide cruise insurance if the cruise commences in Singapore. One will thus not be covered if you start the cruise from a different country. Costs may also not be covered if you decide to cut your trip short unless it is for medical purposes.
Passengers may decide which features to add to their cruise insurance cover but this usually depends on each insurance company’s terms and conditions. Different insurance firms have different packages which you may choose from. Also, note that cruise cover is mainly treated as an addition to travel insurance. Pairing them will allow you to be protected at all times whether you are on the ship or even when exploring your destinations.
Why is cruise insurance a good idea?
Cruise insurance as noted above should be an important consideration if you plan on taking a cruise. Although cruise ships are relatively safe, do not forget that the open ocean has its fair share of surprises. Not that you should expect things to go wrong but it is always good to be prepared for any kind of injuries that you might sustain if anything happens during the cruise trip.
Cruise insurance is not expensive especially because the cruise lasts a few days and so you only have to be insured for just those days. It will therefore not break the bank but the advantages of having the cover are quite significant. Having a cruise insurance cover will also allow you to enjoy your trip without worry, thus allowing you to fully achieve the goal of the cruise which is usually to put all worries aside and enjoy life.
Also, keep in mind that cruise ships usually have infirmaries/medical facilities where passengers can be treated. These facilities are not specialized and so there are some conditions such as surgeries that they cannot treat. However, they do handle situations such as injuries. Note that they act as private hospitals and so they charge premium rates for treatment. Cruise insurance can save the day since it will cater to any medical expenses that arise if you are treated at the cruise ship’s medical facilities.