HomeBlogSenior Cruise Travel Insurance - 2022 Review

Senior Cruise Travel Insurance - 2022 Review

Our suggestion to Senior Cruise Travelers is to take your time and shop around before buying your cruise travel insurance.

At TripInsure101, our travel advice for Seniors has been consistent over many years. Do not rush. Do not buy the cruise travel insurance offered to you by the agent or by the cruise line. Spend some time and see what your options are. Do not accept the single supplier offered by your cruise line or travel agent, there will most certainly be better options available to you.

That is precisely the service that we offer at TripInsure101,  and why we have such high satisfaction levels from so many Senior Cruise Travel Insurance customers.

We have reviewed the Cruise Travel Insurance from many of the major cruise lines in the USA. In our considered opinion, each one of the plans offered by the major cruise lines has fundamental weaknesses that make them insufficient for the needs of a typical Senior Travel customer.

In our Senior Cruise Travel Insurance Review, we will cover:

  • Cancellation Benefits
  • Medical Insurance
  • Emergency Medical Evacuation
  • Pre-Existing Medical Conditions
  • Early Booking Benefits
  • Best Value Cruise Travel Insurance

Cruise Cancellation Benefits

Senior Cruise Travel Insurance customers usually book their trips many months or even possibly years in advance.

Because of how long there may be between an initial deposit for your cruise and your eventual departure, it makes sense to have reliable cancellation protection in place.

Cruise cancellation benefits tend to come in three areas, these are: Basic Cancellation, Cancel For Work Reasons, and Any Reason.

Basic Cruise Cancellation Benefits

A Senior Cruise Travel Insurance customer will find Basic Travel Cancellation Protection embedded into every comprehensive travel insurance plan.

Basic coverage will provide a 100% refund for your fully paid and non-refundable costs for:

  • Serious accident, severe illness, or death of you, a traveling partner, business partner, or family member
  • Jury duty
  • Legal appearance
  • Traffic accident en route to the airport
  • Death or hospitalization of your host at your travel destination
  • Weather
  • Bankruptcy of your travel provider

Note that any sickness or injury needs to be so severe that a doctor recommends that you do not travel.

Sickness or injury to a non-traveling family member needs to be both severe and require your presence to care for the family member, for a refund to occur.

We frequently talk with Senior Cruise Travel Insurance customers who want cancellation coverage if a friend or family member gets sick before their travel date.

They know that they are not required to care for the family member, but feel as though they should be around to offer support. Please note that Basic travel cancellation does not cover this situation.

If you want this type of additional cancellation flexibility, you need to look at a travel insurance plan that has Cancel for Any Reason Insurance contained within it. We will cover this below.

Cruise Travel Insurance – Cancel For Work Benefits

Many of our Senior Cruise Travel Insurance customers are still employed, so it is important to buy a travel insurance plan that has coverage for Cancel For Work Reasons.

In general, there are two types of Cancel for Work Reasons Travel Insurance benefits that are important for a cruise traveler: Rescinded Vacation and Lay Off.

If your employer previously approved your time off and has since rescinded it before you can leave for your vacation, then so long as you provide proof of this work cancellation, like a letter from the HR department, the trip insurer can arrange a 100% refund.

The other concern is a lay-off or downsizing. Provided that the individual is not at fault, the best cruise travel insurance plans offer 100% compensation. However, there are normally criteria which must be met. You must have worked for the same employer for a minimum period to qualify. The best cruise travel insurance policies we have available on TripInsure101 only require that you be in 12 months of continuous employment, however not all travel insurance plans are created equal, and some we have seen are far more restrictive and require 36 months of service before this benefit kicks in. If you are still employed and looking for the best Cancel for Work Reason cruise travel insurance plan for your needs, give our friendly team a call and let them guide you to the best plan available for you at the lowest price.

Cancel for any Reason Cruise Trip Insurance

Many assume that Cancel for Any Reason Travel Insurance is only helpful to younger customers. However, over the years, we discovered that our Senior Cruise Travel Insurance customers find it very useful also.

Typically, our Senior Travel customers are in good health. One reason they can explore the world is that they take care of themselves. Unfortunately, sometimes our Senior customers have friends or relatives who are not in such good health. Instead, if a friend or relative were to get sick, Senior Travelers would want to cancel their cruise to support them.

Let’s take a moment to review how standard travel benefits work for health reasons.

Trip Cancellation Policy Language

Benefits will be paid…when You are prevented from taking Your Trip due to: 1) Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s or a Child Caregiver’s death, which occurs before departure on Your Trip;

2) Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s or a Child Caregiver’s covered Sickness or Injury, which:

a) occurs before departure on Your Trip, and

b) requires Medical Treatment at the time of cancellation resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and

c) prevents Your participation in the trip;

So, in Item 1 above, this is easy to understand. Death of a family member, business partner, or traveling companion provides full compensation protection.

In Item 2, the challenge is if the family member’s injury or sickness is not severe enough for a doctor to state that you stay at home to provide support.

In the second situation, regular cancellation protection is not helpful. This is where Cancel for Any Reason would allow you to cancel with at least 48 hours notice of your scheduled departure, and still receive 75% of your non-refundable trip costs. Be aware that you must insure 100% of all non-refundable trip costs with the insurer.

Whilst you won't be surprised to read that Cancel for Any Reason coverage is more expensive than regular trip insurance, the truly surprising thing is that it probably isn't as muhc more than a standard plan than you might expect, and it is extremely worthwhile if you think you will need to cancel.

Cruise Medical Insurance

Irrespective of your age and whether you are a Senior Cruise Travel Insurance customer or a teenager heading off to Europe with friends, you should still buy Travel Medical Insurance when leaving the USA.

Decent Cruise Medical Travel Insurance is easy to find and inexpensive.

A lesser known fact for Americans traveling overseas is that whilst many countries have universal healthcare which is free at source to a countries own citizens, those same healthcare facilities do not provide free treatment to visiting Americans.

Also, the US State Department will not pay for your medical treatment abroad. Medicare and Medicaid do not pay outside the US.

It is also worth remembering that if you have a Medicare supplement plan, it may have a lifetime international medical benefit of just $50,000. Any costs over this during your lifetime you will pay for out of pocket. Also, you will still need to pay at least a 20% co-pay.

For these reasons and many more, at TripInsure101 we recommend you carry at least $100,000 of Travel Medical Insurance when traveling outside the USA.

Even if you are on a cruise ship, people get sick and leave the ship for treatment. Travelers on port excursions get injured. It’s wise to have adequate Medical Insurance in place.

Earlier, we referred to the weak travel medical insurance on offer when bought from US cruise lines. Remember, we want no less than $100,000 of medical cover (our more comprehensive plans have much more).

Here is what the major US cruise lines offer:

  • Azamara - $10,000
  • Carnival - $10,000
  • Celebrity - $10,000
  • Crystal - $10,000
  • Cunard - $20,000
  • Disney - $10,000
  • Holland America (Standard) - $0
  • Holland America (Platinum) - $10,000
  • MSC - $25,000
  • Norwegian (Standard) - $10,000
  • Norwegian (Platinum) - $20,000
  • Oceania - $10,000
  • Princess (Standard) - $10,000
  • Princess (Platinum) - $20,000
  • Regent - $10,000
  • Royal Caribbean - $10,000
  • Silversea - $10,000
  • Seabourn - $20,000
  • Virgin - $10,000

Given the massive financial burden that may befall you if you get ill or have an injury when overseas, these medical benefit limits from the cruise operators are woeful. What is even more frustrating is the price that is often charged for these rather pitiful cruise travel insurance policies. The cruise lines really do charge such high prices but offer so little. If you have a major emergency, their Medical Insurance will barely cover two nights in a hospital.

If you need Cruise Travel Insurance, please take the time to check the levels of critical coverage. They leave many coverage gaps. Cruise Line policies are inadequate. We cannot recommend any of them as stand-alone cruise insurance policy.

In any event, a cruise travel insurance plan offered by your cruise line will only cover the costs of the cruise itself, so if you need to protect your flights, car hire or hotels before and after your cruise, then you will need to buy a travel insurance plan anyway. Why not protect your entire cruise vacation in one policy. You'll get far superior complete coverage for a lesser price.

Medical Evacuation Insurance

Fortunately, it is unlikely that you will ever need to rely upon comprehensive Medical Evacuation protection. If you need a Medical Evacuation, something on your trip has gone seriously wrong!

One of the reasons Medical Evacuation insurance is so inexpensive is because thankfully Senior Cruise Travelers rarely use it. However, when it is needed, you'll be very grateful you had it. It may save your life! Medical Evacuations generate some of the highest costs in any travel insurance claim.

For example, it’s rare to require a private jet Medical Evacuation with an onboard medical team, but it happens every day. Air evacuations can easily cost $250,000 or more. If you travel to a remote destination like the polar region or Galapagos, you should take at least $500,000. It could take days at sea to return to a hospital. Air evacuation saves lives.

Again, US cruise lines fall woefully short of these minimum levels of cover.

  • Azamara - $25,000
  • Carnival - $30,000
  • Celebrity - $25,000
  • Crystal - $50,000
  • Cunard - $50,000
  • Disney - $30,000
  • Holland America (Standard) - $0
  • Holland America (Platinum) - $25,000
  • MSC - $50,000
  • Oceania - $25,000
  • Norwegian (Standard) - $25,000
  • Norwegian (Platinum) - $50,000
  • Princess (Standard) - $25,000
  • Princess (Platinum) - $50,000
  • Regent - $50,000
  • Royal Caribbean - $25,000
  • Silversea - $50,000
  • Seabourn - $50,000
  • Virgin - $25,000

Remember, $250,000 of Medical Evacuation coverage as a minimum, $500,000 if you are traveling further afield.

Pre-Existing Medical Condition Exclusion Waiver

Many Senior Cruise Travel Insurance customers worry that they cannot qualify for Travel Medical Insurance because of a Pre-Existing Medical Condition.

This is not always the case, and if you act swiftly and buy your travel insurance plan within 14 to 21 days (depending on the plan) after your initial trip deposit, so long as your condition is stable, you will be covered for a pre-existing condition.

So please, do not worry. Most travelers do not have an excluded medical condition. And those that do are usually covered through a Waiver if they reserve travel insurance promptly.

A Travel Insurance Carrier will define a Pre-Existing Condition as one that is a:

  • New medical condition
  • Change in an old medical condition
  • New recommendation for treatment
  • Change in medication

If you experienced any of these during the Look Back Period, then the policy typically excludes these Pre-Existing Medical Condition from coverage.

What becomes very relevat therefore is the duration of the Look Back Period. The best ook back period is of course the shortest one. At TripInsure101, some of the best plans have a Look Back Period that only looks back for 60-days. Others in the travel insurance marketplace can be far more than this.

Therefore, if your medical condition is older than 60 days, your doctor has not changed medication or treatment, then the Travel Insurer will cover it. They consider your condition to be stable, so you are covered.

If you have had a new medical condition, or change in condition or treatment, or new medications, then travel insurance can still cover you. Just get Cruise Travel Insurance within the Time Sensitive Period after your initial trip deposit. Usually, you have 14-21 days to buy your travel insurance and be issued a waiver, if one exists in the policy.

In short,  the good news is that you probably don’t have a Pre-existing Medical Condition, according to the travel insurance company, so long as any condition you have is stable and under control with no changes.

If you do, again please don’t worry. As long as you are medically fit to travel on the day that you book your travel policy, you can get a Waiver. Just buy your travel insurance quickly after your First Trip Deposit or Payment. We recommend you buy the policy within 14 days, if possible, 20 days maximum.

Remember, even if you only paid $1 as an initial deposit, that is the first payment date and you need to buy your travel insurance plan within 14 to 21 days. It is the first payment towards your trip that the travel insurer cares about.

Early Booking Travel Insurance Benefits

You receive many benefits from booking travel insurance quickly after your initial trip deposit.

  • Once you have your policy, your cancellation benefits become active
  • Any Cancel for Any Reason cover is activated (if selected)
  • A Pre-Existing Medical Condition Exclusion Waiver triggers

If you are going to buy Cruise Travel Insurance, buy it early.

Best Value Cruise Travel Insurance

AARP provides consistent advice for Senior Travel Insurance. Search the market to compare prices and cover from a range of Travel Insurance Carriers. Their exact words are:

Comparison shop … Cruise lines, group trip operators and airlines all offer add-on trip insurance when you buy your tickets. But it typically isn’t a good deal

Of course, we have been giving comparative quotes for years for Senior Cruise Travelers.

You will find that our prices are the same as if you  went directly to each of the Travel Insurance Carriers. We guarantee that you cannot find the same plan at a lower price. Insurance and anti-discrimination laws forbid it.

We will always do our best to recommend the least expensive policy that fulfills your needs.

TripInsure101 is the World’s Fastest Growing Travel Insurance Marketplace.

Does AARP Sell Travel Insurance?

A: AARP does not sell its own branded travel insurance. This is actually great news as it means you can search the wider travel marketplace and get the best trip insurance for your vacation.

Safe travels.

**Please Note: AARP does not provide sponsorship or endorsement of travel insurance brokers. No such endorsement or sponsorship of TripInsure101 exists, and none is implied. At TripInsure101, we strive to bring world-class travel insurance to our customers, so they can compare and contrast multiple insurance plans to find the right plan for their travel needs, and travel with confidence.

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

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