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Cruise Insurance Is Necessary In 2021

Cruise Insurance Is Necessary In 2021

Travel Insurance Is Necessary For 2021 Cruisers

For over the past sixteen months, we have been dealing with the COVID-19 pandemic.  The pandemic has greatly affected everyone across the globe. Unfortunately, one industry that was greatly hindered by the COVID-19 virus was the travel industry.  If you look back over the past 16 months, countries closed their borders, amusement parks went dark, hotel rooms stayed empty and cruise ships remained in port.  

Luckily, we have started to see countries reopen for travelers from abroad over the past few months.  We have witnessed vaccinations across the globe start to roll out.  With each positive step forward, more and more people are looking to travel again.  One thing that potential travelers need to focus on is the need for travel insurance.  

A 2018 report issued by AAA indicates that travelers’ behavior has dramatically changed towards purchasing travel insurance.  More and more potential travelers are buying travel insurance before 9/11—only 10% percent of travelers purchase travel insurance.  Today we are seeing almost 40% percent of travelers who are booking trips are buying travel insurance.  The reason for this is two-fold. Numerous countries across the world require travelers to have some form of travel insurance to enter their territory.  The other reason is travelers want more protection than in the past to protect their investment in their trip. 

Why Is Travel Insurance Necessary For Your Upcoming Cruise?

The world that we live in has drastically changed since last March when the COVID-19 pandemic began.  Cruise lines were completely shut down last year because of the fear of spreading the virus. However, this year after an immense amount of safety precautions were implemented, the cruise industry set sail again.  This is a great thing, but all travelers embarking on a cruise must protect themselves if something unexpected occurs.

That is why we highly suggest travelers looking to take a cruise in 2021 should make sure they purchase a trip cancellation plan with the “Cancel for Any Reason” benefit.  This benefit allows travelers to cancel their trip up to two days before it starts and the insured can be reimbursed for up to 75% of their prepaid, non-refundable, insured travel expenses.  The cruise industry's state is still in flux and having the Cancel for Any Reason benefit provides additional protection.  Trawick International is one of a handful of Travel Insurance providers that offer a Cancel for Any Reason benefit.  In addition to our Trip Cancellations offering, we provide a full suite of travel insurance products such as Emergency Travel Medical, Emergency Medical Evacuation, Trip Interruption, Travel Delay, and Baggage Protection.  You may not need all of these plans but getting the correct type of protection for your investment is imperative.

Should you buy the insurance offered by the cruise line?

We recommend that you work always work with a travel insurance provider when purchasing travel insurance.  When you work with a travel insurance provider, such as Trawick International, you will obtain a travel insurance plan that meets your cruising needs and for a better price.  For example, If you are booking a flight, hotel, cruise, and excursions, you should buy a travel insurance plan from Trawick International. Our plans make sure you are covered for all parts of your travel experience, from when you leave your house to the time you return home.  When you purchase travel insurance from the cruise line, you will be paying a higher price and its insurance plan does not offer a wide range of benefits. It only includes coverage while on the cruise. To learn more about the differences between obtaining travel insurance from a cruise line and a travel insurance provider, see our blog post on the topic. 

Travel Insurance is now a Requirement for Unvaccinated Travelers On Certain Cruise Lines

A recent report by MSNBC stated that Royal Caribbean now requires all guests over the age of 16 sailings from U.S. ports, except those in Florida, to be fully vaccinated. Starting Aug. 1, the rule will apply to all guests over 12. Passengers leaving from Florida ports from Aug. 1 to Dec. 31 who are not vaccinated will need travel insurance.  Royal Caribbean is the first cruise line to make travel insurance mandatory for unvaccinated travelers. Over the next few weeks, we believe other cruise lines adopt this policy, making it imperative to have travel insurance before going on a cruise.

Work With The Best

No matter what cruise line you are looking to embark on this year, make sure you contact Trawick International to get a customized travel insurance quote. Trawick was rated one of the best travel insurance providers for 2021.  Remember to look at plans that offer a Cancel for Any Reason (CFAR) option, so you have the opportunity to cancel if you just decide not to travel (learn more about CFAR travel insurance).

Founded in 1998, Trawick International is a full-service travel insurance provider specializing in protecting travelers of all types worldwide. We offer various travel insurance plans designed specifically by types of coverage, including comprehensive travel protection insurance, international travel medical insurance, visitor’s insurance, and international student insurance. Our company's mission is to deliver superior travel and medical insurance products that offer the best 24/7 emergency assistance services available. Contact us at 888-301-9289 or 

By Administrator at 1 Jul 2021

Traditional Travel Insurance vs Cruise Insurance

cruise insurance 2021

Why You Should Buy Cruise Insurance from a Travel Insurance Provider

The cruise industry has evolved vastly over the last decade and now caters to a wide variety of passengers and demographics. Gone are the days of cruise ships full of retirees making their way into warm tropical islands. Today you can book a cruise that can take you from the North pole to the south with a wide range of people from all age groups.  Activities onboard ships can be almost overwhelming and include bars, swimming pools, dining and so much more.  Passengers have had to face cancellations or rescheduling because of mechanical issues with ships, bad weather, or, as we see in the news today, disease and epidemics. Most travelers understand the risks and make the prudent decision of purchasing cruise insurance to protect their investment. Cruise operators have seized on the behavior of the passengers have started to offer trip coverage.  Cruise operators have made the process of buying insurance convenient and easy when you buy a ticket. This is the path of least resistance for most people but is it the best choice?

What Travel Insurance Providers Offer

When buying travel insurance from a cruise company, you have one choice of plan to purchase. This means that the passenger has no choice but what the cruise operator is offering if they buy through their website. However, with an independent travel insurance provider, you have an incredible number of choices and plans to select from. You can check providers' reputations, the benefits they provide and obtain a customized travel insurance plan that suits your needs.

Trip Cancellation

Trip cancellation travel insurance offers reimbursements if you cancel your trip for a set of predefined reasons.  For example, if someone gets sick or death occurs, your trip cancellation insurance will provide reimbursement. Insurance offered by the Cruise operator will, in most cases, have fewer reasons when compared to travel insurance provided by a travel insurance provider. This means that travel insurance purchased from a travel insurance provider will offer you more protection when compared to cruise insurance policies.


Trip insurance bought through a cruise line will, in many cases, only cover the tickets and travel arrangements purchased through the cruise operator. If you have airline tickets you bought to arrive at the cruise departure point, that will not be covered. Travel insurance from a travel insurance provider allows you to cover all travel associated with your trip in one policy. Once again, this gives you better coverage against exposure to risks.

Higher Compensation & Lower Costs

Cruise lines are experts at running their businesses. Travel insurance is not their main focus and is most often being offered through a third party. It may be convenient to purchase them with just one click, but the associated expense may be higher. Travel insurance providers can offer better deals and rates when compared to cruise insurance. They can also provide higher compensation and benefits. This means if you would like more coverage for your luggage, you can get it instead of cruise lines that will have lower limits.

Government Regulations

Travel insurance plans are under the State Department of Insurance and must abide by the rules and regulations in place for that state. This gives an added layer of security for people purchasing from a travel insurance provider. The rights of the consumer and the insurance company are protected through these regulations making transactions and reimbursements easier and fair.

It boils down to that it may be slightly more convenient to purchase insurance from a Cruise operator, but if you spend a little more time buying a plan from a travel insurance provider, you can get a lot more. This includes better pricing, better coverage, more options, and the knowledge that you are buying insurance from experts in travel coverage.

Looking for the right type of cruise insurance?


By Administrator at 4 Apr 2020
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