Cruise Cover frequently asked questions (FAQs)

Our standard travel insurance includes cover for cruise trips up to the limits and cover levels provided in the policy wording. Although this is not a specific cruise policy, cruises are still covered. However, there is no cover for some things that special cruise policies may cover. For example, a change of itinerary.

Please find this here:

• Silver account
• Gold account
• Platinum account
• Premier account

If you are injured, fall ill, are quarantined or die during your trip, we will cover you up to the limits shown below, for:

• Emergency medical treatment.
• Emergency medical treatment outside your home territory (including rescue services to take you to hospital).
• Extra charges for half-board accommodation (of a similar standard to the accommodation you had booked for your trip) if it is medically necessary for you to stay after the date you were going to return home or travel to your next destination;
• The cost of getting you home or to a UK hospital, if it is medically necessary because you are seriously injured or fall seriously ill during your trip and you cannot use your return ticket.

If our Medical Emergency Assistance provider and the treating doctor agree that it is necessary, we will also pay travel and accommodation costs for one relative or friend who has to stay with you or travel to be with you.

For each insured person we will pay up to:

• £10 million emergency medical treatment and associated expenses outside of your home territory.
• £1,000 emergency dental treatment outside of your home territory.
• £10,000 associated expenses for claims in your home territory.

If you are claiming for Emergency medical expenses outside of your home territory, and these are covered under this section, we will also pay you £50 for each consecutive 24 hours your trip is disrupted if you are:

• in hospital receiving in-patient treatment, or
• confined to your accommodation on the advice of the treating doctor.

For each insured person we will pay up to £1,000 for medical inconvenience outside of your home territory.

if you are claiming for Emergency medical expenses and receiving treatment as an in-patient for more than 24 hours we will pay your own non-recoverable, unused personal travel and accommodation costs. The most we will pay for each insured person is £5,000.

If your pre-booked transport is delayed for more than 12 hours and you choose to continue your trip, we will pay £30 for the first full 12 hour period you are delayed and £20 for each full 12 hour delay after that. If your trip is three nights or less, the benefit will be paid after a delay of 6 hours and for each full 6 hour delay after that. For each insured person the most we will pay is £250.

• This benefit does not apply to trips taken within the UK.

If an unexpected transport delay, such as the vehicle you are travelling in breaking down or the cancellation of scheduled public transport, means that you miss your pre-booked transport, we will pay for additional travel and accommodation costs you incur to reach your destination abroad, or home on your return journey. For each insured person, the most we will pay is £1,000.

If you have to make alternative travel arrangements, as a result of:

The public transport on which you are booked to travel to or from your home territory is cancelled or delayed for at least 12 hours, diverted or redirected after take-off;

You being denied boarding because there are too many passengers for the seats available and no suitable alternative flight could be provided within 12 hours, or

Your transport operator, accommodation provider or their booking agents become insolvent, we will pay for additional travel and accommodation costs you incur to reach your destination or home on the return journey. For each insured person, the most we will pay is £5,000.

We will also pay up to [[strategic-partners-travel-delayed-transport-emergency-medical-supplies]] for emergency medical supplies if you are unable to return home and your prescription medication has run out as a direct result of having to make alternative transport arrangements.

We won’t cover:

• Anything excluded in the ‘General exclusions’ section of your policy documents.
• Any claim where you have not done all you can to get to your departure point, or where you have not allowed sufficient time to make the travel connections shown on your ticket/itinerary, for example, transfers between terminals, airports, ports or stations.
  
• Any claim where the carrier or their handling agents have offered reasonable alternative transport.
• Any claim for costs where you have received a refund from the carrier or handling agent.

Missed departures:

• Any claim for a missed connection for a trip that was not pre-booked before you left the UK.
• Any claim for trips solely within the UK.

You can make a claim online.