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Going on a cruise? Your travel insurance might not cover you

por Remona Faust (2021-02-20)

You've just booked a cruise trip, but before you start planning which flip flops to pack, the next item on your check list should be making sure you've got the right kind of travel insurance in place.

This is because even if you already have an annual travel insurance policy in place - with cruise holidays you may need to take out a specialist policy to make sure you're properly covered.

In fact just 56 per cent of single and 59 per cent of annual policies include cover for a cruise trip as standard and if you do get it wrong and end up having to claim - and find out your insurance doesn't cover you - you could be left severely out of pocket.

Just 56 per cent of single and 59 per cent of annual policies include cover for a cruise trip

Taking a cruise trip has become increasingly popular in recent years. 

Demand for these holidays increased 20 per cent in the past five years and in 2017 more than two million holidaymakers took a cruise setting sail from the UK and Ireland - a record number of passengers according to the Cruise Lines International Association's UK & Ireland Cruise Review 2018.

Yet because the trip takes place on a cruise ship, your standard insurance may not cover you.

This is because there may be limited medical supplies on board, you may have to be flown to the nearest hospital which could be quite a distance or in a different country, you may be travelling through several different countries along the way, and you could be taking part in activities, such as which water sports, which are considered to be of a higher risk.

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