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Don't Worry, Travel Happy!

 

What are your concerns when you plan a holiday or a cruise? Do you worry that weather will get in the way of having a good time, or do you have medical issues on your mind?

The latest annual cruise survey by a US travel insurance comparison website revealed that 42% of cruise passengers worry about falling ill or being injured – the top concern overall – while 37.3% feared they’d have to deal with bad weather.

20.5% were anxious about missing their cruise departure – this can be caused by delayed connections, missed flights, or even forgetting important documents like passports at home.

 

Claims Being Made

All of the travellers polled had either researched or purchased travel insurance within the last two years, and 24% had at some point needed to file a travel insurance claim for an issue that occurred while cruising. The most common reasons for claims were:

1.    Medical care required while cruising

2.    Trip cancellation due to a medical issue

3.    Delay or cancellation caused by bad weather

4.    Missed flights leading to the delay or cancellation of a cruise

5.    Lost or stolen items

But what can we do to put these worries to rest?

 

Illness and Injury

Of the same survey group, 31% said they had suffered from a stomach illness or seasickness during a cruise. We know how easily Norovirus can spread, and even though it is under-reported, countless passengers have been confined to their cabins as a result.

Hygiene is key. Washing hands regularly and using hand sanitiser gel are a great start – you can get more details on how to steer clear of the virus here.

If seasickness is a concern, bring medication along with you to counter it. Your doctor or pharmacist will be able to give you good advice on what to take. Rather have it with you, because even anti-nausea or seasickness tablets on board are very expensive.

Of course, your cruise insurance is absolutely critical and will enable you to get the correct treatment if and when you need it – no need to make up front payments or wait while someone tries to contact your doctor, and you can seek medical attention right away instead of waiting to see if it goes away on its own to avoid high costs – a delay that often makes things worse.

When it comes to injuries, our highest number of cruise claims comes from slips, trips and falls. Some of the best ways to prevent these accidents are:

·         Wear comfortable shoes that are easy to walk and balance in, even on a moving ship.

·         Hold on to hand rails when you can, or at least keep a hand free in case you need to grab onto a rail.

·         Be careful and pay attention to your walking route – avoid wet surfaces around the pool and look out for slippery tiles. Walk on carpets whenever you can.

·         Don’t get too tipsy as it affects your balance and judgement, making you a lot more likely to misstep or trip over something.

 

If Mother Nature Interferes

There’s not much you can do if you’re faced with cloudy skies instead of sunshine, but research before you make your booking will give you a good idea of the weather you can expect. Travel insurance can’t cover the inconvenience of a rainy day, but it can cover (and our policies do) missed cruise departures caused by flights being delayed and cancelled due to inclement weather – such as the recent snowstorms that grounded flights here and in the USA.

On a cruise or any other holiday, it’s a good idea to check that your travel insurance policy covers natural catastrophes – even if they’re only a remote possibility. Many policies limit or exclude this cover entirely, meaning that if a cruise is cancelled due to a tropical storm you’d have no cover.

Our standard cruise insurance includes catastrophe cover up to £500, and you can choose to add extra catastrophe cover of £1,500 for fire, flood, earthquake, explosion, tsunami, volcanic eruption, landslide, avalanche, hurricane, cyclone or storm.

 

At the end of the day, some things can’t be predicted but your travel insurance can minimise inconvenience and financial implications, leaving you with a lot less to worry about.