Senior Cruises
Your Guide to Cruise Travel Insurance for Seniors
Cruises are growing in popularity as a sought-after holiday type for all ages, but particularly senior travellers, from pensioners over 65, to those in their 90s. With the promise of exotic destinations, luxury accommodations, and countless activities, it’s an appealing way to explore the world. However, these voyages are not without potential risks. Unfortunately, accidents/illness can happen anywhere and if a serious incident occurs on a cruise ship, it could mean disembarking to a hospital on land for treatment, which of course can result in missing part or all of your cruise and the need to be flown home outside of your planned trip. With this in mind, you must be prepared with Cruise Travel Insurance for seniors.
Cancellation Cover Secured for your Seniors Cruise
Before you set sail there’s also the risk of needing to cancel your cruise, for example if you have a change in medical circumstance, a family bereavement or are made redundant – all of these things are what make Cruise Travel Insurance so important. This becomes especially important for senior travellers with pre-existing medical conditions, which you’ll need to declare when arranging your seniors cruise insurance. At Just Travel Cover it’s our aim to help people of any age and/or medical condition find suitable Travel Insurance for their cruise. Once you have declared your age, medical history, and details about the cruise itself, we will show you tailored cruise Travel Insurance policies that meet your travel needs.
Cruise Travel Insurance Tailored for Senior Travellers
If you’re going on a cruise you’ll need to make sure you answer “yes” to the cruise question so your insurer is aware. As well as cover for cancellation, emergency medical expenses and baggage, there may be additional benefits too, such as cruise interruption cover and itinerary change cover. Cruise interruption cover can be beneficial for senior cruisers, for example, if you require treatment in an on-land hospital and the hospital confirms you are well enough to re-join the cruise, or ‘itinerary change’ cover, in the event of a missed port due to adverse weather. For senior travellers, declaring any pre-existing medical conditions is crucial for ensuring the right cover for your cruise. According to the ABI, there’s a marked leap in claim payouts with age. While the average claim value for the age group of 36-40 stands at £571, it jumps dramatically to £1,950 for travellers aged 71-75, emphasising the need for Travel Insurance as a senior traveller. Failing to disclose pre-existing medical conditions may invalidate your policy and leave you with extensive medical bills should you need medical treatment abroad.
What Makes Cruise Travel Insurance for Seniors Different?
All Travel Insurance policies are unique – wherever you buy your Travel Insurance you will notice different cover, varying limits, terms and exclusions, so it’s always important to shop around and check what is covered. Generally speaking, not all Travel Insurance policies cover cruises, but at Just Travel Cover, all of the policies we provide do cover cruises – but you still need to declare that you are going on a cruise. That way you’ll see that some of the policies cover cruise-specific benefits, for example you might get cover for unused excursions, itinerary changes or cabin confinement (if the ship’s medical officer confines you to your cabin). We try our best to find a cruise insurance policy for everyone, regardless of age and medical history as we believe everyone should enjoy the joys of travelling. Once you have declared your age and pre-existing medical conditions, we will only show you policies that can cover you. You can then compare and choose a senior cruise insurance policy tailored to you.
Why Just Travel Cover?
At Just Travel Cover, we understand that everyone’s travel needs are unique, especially when it comes to senior cruising enthusiasts. As a specialist Travel Insurance broker with a panel of insurers we aim to provide a quotation for people of all ages, wherever they are going. Our quotes are bespoke to each person, and we specialise in covering pre-existing medical conditions.
Planning for a cruise is as much about choosing your destination as it is about ensuring you’re protected throughout your journey with Travel Insurance for Cruises for Seniors. Don’t risk travelling without adequate Insurance – get a quote today.
Travel Insurance for Senior Cruises FAQs
How does age impact the cost or cover of cruise Travel Insurance for seniors?
There are many factors that impact the price of Travel Insurance. Insurers will consider your age and medical history, along with other factors such as the destination(s) you’re travelling to and for how long. When looking at the price of Insurance it’s important to compare this against the potential cost of medical treatment abroad and repatriation, which can be thousands if not tens of thousands of pounds.
Can I get cruise Travel Insurance if I have pre-existing medical conditions?
Yes, you can get cruise Travel Insurance if you have pre-existing medical conditions. At Just Travel Cover, we specialise in covering a range of pre-existing medical conditions, including diabetes, heart and circulatory conditions, respiratory, cancer and others. It’s essential to declare these to ensure your policy covers them.
What cover is particularly important for senior travellers on cruises?
For senior travellers, peace of mind that you have cancellation cover in place on the run up to your cruise is important, as well as knowing you’ll be covered for any medical emergency and repatriation expenses..
How early should I purchase Travel Insurance for my cruise?
We would recommend purchasing Cruise Travel Insurance as soon as you’ve booked your cruise. That’s because on single trip policies cancellation cover starts immediately. At Just Travel Cover we can offer cover 18 months in advance.
Do you provide Cruise Travel Insurance for seniors over 80s?
Yes, at Just Travel Cover, we provide Cruise Travel Insurance for seniors over 80. However, cover options and benefits can vary depending on the specific policy and insurer. For example, we cover up to 79 for worldwide cruises, but for some destinations, we have no upper age limit. Senior cruise insurance depends on where you’re going, your medical history and the length of the cruise. We recommend speaking with one of our insurance specialists to ensure that the cover meets your specific needs, including your age and pre-existing medical conditions.
I need to cancel my Caribbean Cruise, am I covered?
With Cruise Travel Insurance, you will be protected if you need to cancel your holiday for an insured reason, such as a change in medical circumstance, death of a close relative, a change in FCDO advice, or an accident which means you cannot travel.
Make sure you check your policy wording for what is and isn’t covered. With our standard cruise policies, you can claim up to £12,500 per person for cancellations. However, when taking out your insurance, if you require more, we can cover up to £50,000pp. Simply give us a call to find out more.
