Emma Cruises

Do You Get Compensation For Missed Cruise Ports?

I have been on 50 cruises to date and would say that around 10 have had an itinerary change.

I’ve had itinerary changes both prior to the cruise and during the cruise itself, for a variety of reasons.

During this post, we will discuss why this happens, and how you may be able to get compensation.

No, as a general rule, you don’t get compensation from the cruise line if a port has to be missed.

Cruise lines have it written into their terms and conditions that they reserve the right to change the itinerary at any time.

There are some situations however, in which you may receive some compensation. Factors that are taken into consideration are:

  • The reason for the cancellation
  • How long before you sail it was cancelled
  • How much of the cruise was cancelled
  • How much the itinerary you booked has been changed.

Below is a section of Princess Cruises passenger contract:

After departure, Princess does not guarantee that the ship will call at every port on the itinerary or follow every part of the advertised route or schedule or that every part of the Package will be provided. Princess reserves the absolute right to decide whether or not to omit any such port(s) and/or to call at additional ports and/or to change the advertised route, schedule or Package. Princess Cruises Terms and Conditions

Golden Princess Aft Swimming Pool View Sun Loungers Asia

Does Your Travel Insurance Provide Compensation If Your Cruise Has Itinerary Changes?

In some cases, you are able to claim on your travel insurance if a port is missed.

If you have bought a cruise travel insurance policy which specifically includes “Missed Port Cover” then you are entitled to make a claim if ports are missed.

It is important to always make sure you buy travel insurance that specifically includes cruise cover.

If you have travel insurance coverage as a perk of your bank account, make sure it covers cruises! Most don’t, but you can add on extra cover by paying an additional fee.

I always take out cruise travel insurance to make sure that I am covered in the event of a medical emergency, cancellation or lost luggage – but the missed port cover is an added bonus too!

You don’t have to include missed port cover when purchasing cruise cover.

Claiming Compensation From Your Travel Insurance

In order to claim compensation from travel insurance, you will need to have something in writing from the cruise line explaining that the port was cancelled and the reasons why.

You can go to the ship’s Reception and ask for a letter to give to your insurance company.

Many other people on your cruise will be making the same request, and the cruise line will produce a standard letter on headed notepaper and deliver it to your cabin.

Some travel insurance policies will only pay out in certain circumstances, it is important to read the terms and conditions of your particular policy to find out exactly what is covered.

My family and I have claimed on our travel insurance a number of times for missing a port.

The last time I claimed was when a scheduled stop at Ajaccio, Corsica was cancelled on our Azamara cruise.

The Captain was predicting twelve-foot high seas on the journey back from Corsica. Avoiding that area altogether was something I was very happy to do – as I do suffer sometimes from seasickness.

We simply asked reception for a letter confirming that we had missed the port, and we were able to claim £100 (around $130) per person in compensation. This more than covered the cost of the annual insurance policy we had taken out!

The Captain of Azamara Onward arranged for us to dock in Genoa instead, where the weather was much better.

I didn’t feel my cruise had been spoilt in any way by the itinerary being changed, and it was a bonus getting some money back on the travel insurance!

azamara onward ship port

Why would a cruise itinerary change?

There are a number of reasons why a cruise itinerary could change. These can either happen before a cruise or during the cruise itself.

Cruise itinerary changes could be made with just a few hour’s notice. When I took a Christmas cruise, our scheduled stop at Madeira was cancelled as the Captain tried to dock but found that the strong winds made it unsafe.

The first thing we knew about it was when he made an announcement into the cabins saying we wouldn’t be docking, and would have another “sea day” instead!

MSC Meraviglia Toulon Mediterranean Cruise

Why would a cruise itinerary change prior to a cruise?

Political unrest.

One reason why your cruise itinerary could change is because of political unrest.

I cruised with Cunard in 2016 and we were expecting several stops in Turkey including Istanbul.

These were all replaced with ports on various Greek islands. Cruise lines do have to put the safety of passengers first.

If a port is going to be cancelled/substituted due to political unrest you will usually be told months in advance, unless it is due to an unpredictable event – like a terror attack.

Cunard Cruise Kotor Queen Victoria

Why would a cruise itinerary change during a cruise?

Bad weather.

The main cause of last-minute itinerary changes is bad weather. This has happened to me on a number of occasions, and although it can be a little annoying, I do understand why it is necessary. Cruise lines may change the itinerary because:

  • They need to avoid a storm
  • They need to tender into port (smaller tender boats cannot operate in bad weather)
  • The rough seas would make for a less-than-ideal onboard experience

Bad weather may mean that a ship has to change port (either for a substitute port or a sea day). It is also possible to have a cruise cut short due to bad weather.

When I sailed on Norwegian Spirit in 2019, the Captain chose to speed up and return to the port of Civitavecchia early to avoid bad weather brewing in the Mediterranean.

Another time, I took a Christmas Cruise from the Uk to the Canary Islands and came across some very bad weather. Instead of visiting Madeira, we had an extra sea day instead.

This was honestly the last thing I needed, as I was feeling very seasick, and was very keen to get my feet back on dry land!

I was able to claim the missed port of Madeira on my travel insurance policy.

Booking mistake

In exceptional circumstances, your itinerary can change completely . It happened to me!

Recently on board an NCL cruise, I booked my next cruise with a travel agent that they had onboard. Their representatives told me that the cruise would be going to the Bahamas and NCL’s private island.

When I got home and looked on the NCL website I quickly realised that this itinerary didn’t exist for the date and ship that I had booked.

The Norwegian representative had booked me on a cruise visiting Mexico, Honduras and Belize – not The Bahamas – as promised!

This is a very rare occurrence and I would have been entitled to a refund if I wanted one (but I didn’t).

Miami Norwegian Getaway bahamas sail away

Are Cruise Lines Able to Change the Itinerary Without a Reason?

Yes ! Cruise lines can change the itinerary without a good reason. It is written into their terms and conditions that they are able to change the itinerary as they see fit.

I’ve heard rumours of cruise lines picking different ports which have cheaper taxes.

When cruising in Norway, I have had changes to ports because the cruise line has decided that there are too many cruise ships in the port on a given day.

What you see is not always what you get with cruise itineraries. Please don’t let this put you off cruising. Think of it as a magical mystery tour!

What happens if my cruise is cancelled completely?

If your cruise is cancelled completely you will be issued with a full refund.

You may also be given ‘credit’ to spend on your next cruise with the cruise line.

This really is a last resort and happens very rarely. It is far more likely that the ports of call will be altered.

Very occasionally there may be a problem with the ship, and the ship might have to go into dry dock or need other repairs. This is very disappointing for the passengers but is beyond the cruise line’s control.

In April 2023, passengers expecting to make a transatlantic crossing on Cunard’s Queen Mary 2 were informed on the day of the cruise that it had been cancelled due to “Technical Issues.”

This caused travel chaos for passengers, many of whom were American and expecting to return home to the USA on this iconic ocean liner.

Cunard offered the passengers a full refund and a 20% credit towards another cruise with Cunard. It must have been SO disappointing though!

Queen Mary 2

Can I Get Compensation For Missed Excursions?

If you’ve booked your excursion with the cruise line this will be automatically refunded to you.

Cruise lines do not have to refund you anything for missed excursions booked independently.

If you’ve booked a tour in advance through an independent agent you may lose all your money.

Some “Hop on Hop off” buses offer a full refund guarantee if you cannot use the ticket you booked in advance.

I booked Hop on Hop off tickets for the whole family when we recently visited Lisbon in Portugal. We waited and waited by the bus stop, but no “Hop on Hop off” bus ever arrived!

I was easily able to get a full refund directly from the bus company.

I wouldn’t usually book tours like this in advance, I usually book tours when I get to land. (Unless of course, they have a refund policy that allows you to get a full refund if you don’t make it to that port.)

barcelona cruise hop on hop off bus what to do cruise port spain

Before You Go!

It is unusual for cruise itineraries to be changed due to bad weather, and having read this article you may be worrying that you will feel seasick when cruising. I do get motion sick and seasick, but I am rarely ill on a cruise ship.

Find out practical ways of avoiding seasickness, and what you can do to feel better in the article below:

13 Actionable Tips to Prevent and Treat Seasickness on a Cruise

If you do get seasick or have a medical emergency whilst onboard, cruise ships have medical centres, staffed by doctors and nurses. Being treated in the medical centre can be expensive though. Find out all about the medical centres and their charges here:

How Much Does Medical Care Cost on a Cruise? Real Examples (X-Rays, Consultations & More)

It is essential to take out good, cruise-specific travel insurance when booking your cruise! This will cover you for medical cover, lost luggage, cancellations – and some have additional “missed port” cover. Find out why you need insurance and how to get it here:

Cruise Travel Insurance – Why You Need it and How to Get It: (Step by Step Illustrated Guide)

Let Us Help You Book Your Next Cruise

If you are looking at booking your next cruise adventure, my friendly, knowledgeable partner travel agents can help!

If you are not sure which cruise would suit you, they can help you find something that best suits you and your family.

It never costs more than booking directly with the cruise line, you get free, impartial advice, and often a better price or added extras – like onboard credit that you wouldn’t get booking direct.

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Do You Need A Passport To Cruise? (Everything You Need To Know) – Emma Cruises

Thursday 19th of November 2020

[…] Bear in mind that cruise itineraries can and do change frequently. I have another post about why this happens here, including how many times it’s happened to me (lots): Do You Get Compensation For Missed Cruise Ports? Do You Get Compensation For Missed Cruise Ports? […]

HappyTraveller65_12

Tuesday 20th of September 2016

Very interesting!

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  • P&O Cruises ( UK )

Claiming for missed port on insurance

Presto2

By Presto2 , June 3, 2023 in P&O Cruises ( UK )

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Help. We are confused. (What's new?)

We have P&O insurance and can claim for a missed port. We had a missed port.

The form is asking what value we want to claim for the port.

Not sure what to put as we were going on an excursion and have been refunded.

Can we claim for the fact that we just didn't go to the port and it was one of the reasons we went on this one?

If so, how much can we ask ?

Thanks for your help folks as we've never done this before and not even sure if we can claim. We just know others were claiming, but obviously we haven't seen them all since.

Don't want to do or say anything not honest on the form but don't want to not claim if we can. If you get me

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15 minutes ago, Presto2 said: Can we claim for the fact that we just didn't go to the port

It depends on the terms ofr your insurance. Do you have specific "cruise" insurance - if so then you would normally have a "missed ports" clause where you would receive a set sum per port per person (this can be anything from £50 to £200 (possibly more)

17 minutes ago, Presto2 said: and it was one of the reasons we went on this one?

No - you cannot claim extra because it was one of the reasons you went on that particular cruise.

18 minutes ago, Presto2 said: If so, how much can we ask ?

Whatever is in your policy

2 minutes ago, david63 said: It depends on the terms ofr your insurance. Do you have specific "cruise" insurance - if so then you would normally have a "missed ports" clause where you would receive a set sum per port per person (this can be anything from £50 to £200 (possibly more)   No - you cannot claim extra because it was one of the reasons you went on that particular cruise.   Whatever is in your policy

We do have cruise insurance. We took out P&O's recommended this time so we do have a clause but can't find the set sum. Will have another look. 

Thanks for getting back to me

Like

7 minutes ago, david63 said: It depends on the terms ofr your insurance. Do you have specific "cruise" insurance - if so then you would normally have a "missed ports" clause where you would receive a set sum per port per person (this can be anything from £50 to £200 (possibly more)   No - you cannot claim extra because it was one of the reasons you went on that particular cruise.   Whatever is in your policy

We do have cruise insurance. It just says between £150 and £2,000. Do you just get a standard amount for mussing the port? That's what is confusing us. 

15 minutes ago, Presto2 said:   We do have cruise insurance. It just says between £150 and £2,000. Do you just get a standard amount for mussing the port? That's what is confusing us. 

Our insurance is with LV and we can claim £150 each for a missed port.

Thanks

Just now, SeaJane said: Our insurance is with LV and we can claim £150 each for a missed port.

Thanks both - is this the one P&O recommend ? Hubby can't remember off the top of his head.

Assuming you took the P&O policy linked to Holiday Extras it confusingly says in the summary that it is from £1000 to £2000 (depending on the policy level)  If you go to the detailed policy wording (page 23) it says £100 per port for bronze (subject to £1000 limit - so if you missed 10 ports!)..  £150 for Silver and £200 for gold.

Just now, Presto2 said: Thanks both - is this the one P&O recommend ? Hubby can't remember off the top of his head.  

No it isn’t. P&O always used to recommend Holiday Extras, but not sure if that is still the case. 

2 minutes ago, AlanCruise said: Assuming you took the P&O policy linked to Holiday Extras it confusingly says in the summary that it is from £1000 to £2000 (depending on the policy level)  If you go to the detailed policy wording (page 23) it says £100 per port for bronze (subject to £1000 limit - so if you missed 10 ports!)..  £150 for Silver and £200 for gold.

Yes that's the one -- as clear as mud when filling the forms in. That sort of clears it up as it is just one port. Then there is the £100 excess ............

2 minutes ago, Presto2 said: Yes that's the one -- as clear as mud when filling the forms in. That sort of clears it up as it is just one port. Then there is the £100 excess ............

There is no excess on missed port claims. Don’t forget to claim for both of you. We got £300 (2x £150) from Holiday Extras for one port, I think that was silver cover.

1 minute ago, Leomins said: There is no excess on missed port claims. Don’t forget to claim for both of you. We got £300 (2x £150) from Holiday Extras for one port, I think that was silver cover.

Thanks for that - that is exactly what we are claiming for. 🙂  

Sorry do we just put the 2 claims on the same claim? If you get me. Sorry to seem like we have no clue -- but we've never done this before and don't have one !

3 minutes ago, Presto2 said: Sorry do we just put the 2 claims on the same claim? If you get me. Sorry to seem like we have no clue -- but we've never done this before and don't have one !

Yes, both claims on one form. I think there was a drop-down asking how many people you were claiming for. You do need the confirmation from P&O that the port was missed. If they didn’t give you this on board, you will need to email them for it.

1 minute ago, Leomins said: Yes, both claims on one form. I think there was a drop-down asking how many people you were claiming for. You do need the confirmation from P&O that the port was missed. If they didn’t give you this on board, you will need to email them for it.

Great, got one from them. Really appreciate your help and that of everyone who has replied.

This has been very helpful, as we are about to claim for our first missed port.

5 hours ago, Cathygh said: This has been very helpful, as we are about to claim for our first missed port.

Hope it wasn't the same ship in Norway;-)

25 minutes ago, Presto2 said: Hope it wasn't the same ship in Norway;-)

Iona last week?

For us it was Britannia in Nordfjordeid (sp?)

Your cruise was a day behind us. Which port did you miss?

14 minutes ago, Presto2 said: For us it was Britannia in Nordfjordeid (sp?)   Your cruise was a day behind us. Which port did you miss?

Haugasund, it was too windy for Iona to get through the narrow entrance.

1 minute ago, Cathygh said: Haugasund, it was too windy for Iona to get through the narrow entrance.

Gosh, it seemed such an industrial port. Hope you had a good cruise otherwise 🙂

7 minutes ago, Presto2 said: Gosh, it seemed such an industrial port. Hope you had a good cruise otherwise 🙂

Yes we did, despite the virtual queuing nonsense. It seems like we didn't miss much in Haugasund and at least more entertainment was offered on the ship.

3 minutes ago, Cathygh said: Yes we did, despite the virtual queuing nonsense. It seems like we didn't miss much in Haugasund and at least more entertainment was offered on the ship.

The virtual queuing is a whole new thread 😉

Haha

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Cruise travel insurance: What it covers and why you need it

Gene Sloan

What does cruise travel insurance cover? And does it pay to buy cruise travel insurance?

The answer is not always clear-cut, as we'll discuss in this guide. But consider this: It's not always smooth seas when it comes to cruising. Even the best-laid plans for a cruise vacation can sometimes be thrown off course by an unexpected event.

You might need to cancel a cruise in advance due to the sudden onset of an illness, such as COVID-19 or the flu. Or, maybe you fall ill during the cruise and need emergency medical attention. Maybe your flight to your ship gets canceled, and you miss the vessel's departure. Or your ship is late arriving in port at the end of a voyage, and you miss your flight home.

In all of these situations, you might benefit from having cruise travel insurance — keyword "might."

Cruise insurance policies vary widely, and not every policy covers every type of mishap. That's why it always pays to read the fine print in a travel insurance policy before you purchase it to know what you're getting in advance.

It's also why you should read this introduction to everything you need to know about cruise insurance. It has many details, but the next time something unexpected happens on your cruise vacation, you'll be glad to be educated and covered by a comprehensive travel insurance policy.

What does travel insurance cover when you cruise?

The typical cruise insurance policy covers a wide range of circumstances that can go wrong in conjunction with a vacation at sea — both before and during the sailing.

For starters, policies often will reimburse you for the cost of canceling a cruise due to a last-minute crisis. They will also often cover costs related to an interruption of a cruise (maybe your ship breaks down, requiring you to fly home mid-voyage ). These two elements are known as trip-cancellation and trip-interruption insurance, and they are bundled into a typical travel insurance policy.

Some policies will also cover out-of-pocket costs related to a flight delay or cancellation that results in you missing your cruise departure (for instance, the cost of catching up to the ship at its next port). Expenses related to baggage delays and loss are often covered as well.

But perhaps most importantly, many travel insurance policies will cover medical expenses you incur while on a cruise. Some will even cover the cost of evacuating from a foreign destination if you are in the midst of a medical crisis.

Travel insurance giant Allianz Global Assistance reports that 53% of all cruise-related "billing reasons" for claims are because of illness for the insured person, while 14% are for an injury. Another 8% are for the illness of a family member, 4% for the death of a family member and 4% for the illness of a traveling companion, among other reasons.

natwest travel insurance missed port

Those percentages include illness and accidents that happen to cruisers just before a trip, making travel impossible. But, in many cases, such claims result from illness and injuries that occur during voyages.

"People often take risks during vacation that they might not take back home, whether riding a jet ski, zipping around on a motorized scooter in a city they don't know well or hiking unfamiliar terrain," James Page, senior vice president and chief administration officer of AIG Travel, told TPG .

Some policies also cover the financial default of a travel provider. In such cases, if your cruise line goes out of business before you sail, you could get all — or at least some — of your money back.

Cruise travel insurance policies don't cover everything. For instance, standard travel insurers generally will not reimburse you for the cost of a cruise you cancel due to worries about an outbreak of an illness. That's true even if a U.S. government agency such as the U.S. Centers for Disease Control and Prevention issues a recommendation that you don't cruise due to an illness outbreak, as it did during the COVID-19 pandemic .

If you want the ultimate flexibility to cancel for such a reason or any other, you'll want to look into a more expensive cancel for any reason travel insurance upgrade.

Related: Avoiding outbreaks isn't covered by most travel insurance policies

Where to find a cruise travel insurance policy

You can buy a travel insurance policy directly from your cruise line when booking your trip or through your travel agent (if you're using one, which often is a good idea when booking a cruise). You also can go directly to a third-party travel insurance provider or a travel-insurance aggregator site, such as InsureMyTrip or TravelInsurance . Your credit card might even give you some travel protections.

Here's what you need to know about each type of cruise travel insurance.

Third-party insurance companies

Third-party insurance companies that specialize in writing travel insurance include AIG Travel, Allianz Travel Insurance, Travelex Insurance and American Express Travel Insurance.

One reason to use a travel agent or a travel aggregator: They can help you find a policy that offers added coverage specific to cruising.

Related: The Points Guy's guide to the best travel insurance companies

"Many plans now offer benefits that will specifically appeal to cruise travelers, such as missed connection, missed port-of-call and cruise disablement coverage," Stan Sandberg, cofounder of TravelInsurance.com, said.

Missed connection coverage reimburses cruisers for a set dollar amount if they need to rebook travel to catch up with their cruise at the next port. Missed port-of-call coverage pays a benefit if the cruise ship misses a scheduled port of call due to weather, a natural disaster or a mechanical breakdown.

Cruise disablement coverage pays a benefit if the traveler is confined on a ship for more than five hours without power, food, water or restrooms.

As noted, policies vary widely. It's a good idea to compare plans and make sure the one you buy has the elements that are most important to you. One size doesn't fit all.

Credit cards with travel benefits

Some premium credit cards offer valuable travel protections comparable to what you might get from a standard travel insurance plan. For example, the travel insurance provided when you pay for travel with select cards can reimburse you for expenses if your baggage is damaged, you're stranded overnight due to a flight delay or cancellation, or you have to return home to handle a family medical emergency.

The Chase Sapphire Reserve card, for example, offers trip delay reimbursement, trip cancellation and interruption insurance, emergency medical coverage and even medical evacuation coverage , among other benefits. And yes, cruise lines are considered common carriers just like airlines.

If you're planning to rely on a card like the Chase Sapphire Reserve or The Platinum Card® from American Express * (among others) for travel insurance, just be sure to recheck your card's benefits and limits carefully against regular travel insurance. You must pay for at least part — and sometimes all — of the trip with that credit card to take advantage of its protections.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

Related: The best credit cards for booking cruises

Find out if your credit card protection includes travel accident insurance or covers preexisting medical conditions, and figure out when it will pay you back. Other questions to ask: What are the coverage limits? Will you have to pay for a foreign hospital bill upfront and then seek reimbursement later?

Cruise lines

Cruise lines often ask consumers booking a cruise to buy the line's own protection at the time of purchase. If specifics about the coverage are lacking, always ask the line for details in advance, review coverage perks and limits; then, compare those to one or two independent travel insurance policies or your credit card's insurance benefits.

Related: A beginners guide to picking a cruise line

Cruise line travel insurance policies sometimes have quirks. Many cruise companies will only offer a travel voucher or credit for future use in the event of a covered cancellation, not an outright refund.

Also, financial default may not be a covered event in a cruise line-sold policy, but it's typically covered with plans from third-party travel insurance companies.

Cruise line policies also can be more restrictive.

"Cruise line insurance seems to have become better and has more widespread coverage than in the past, but it typically won't cover air or pre- and post-travel [arrangements] unless those elements are purchased through [the line]," said Debra Kerper, a Cruise Planners travel adviser from Carrollton, Texas, who books travel and sells private insurance. "This is when private insurance coverage becomes so very important."

How much does cruise insurance cost?

Expect to pay anywhere from 4% to 8% of your total prepaid, nonrefundable trip expenses for a travel insurance policy. That's a wide range, we know, but it reflects the wide range of products out there.

You'll also find some basic plans that cost even less than 4% of your trip expenses, while some super-premium plans that cover just about any conceivable issue can cost as much as 12% of your trip expenses.

Related: What's included in your cruise fare?

All reputable insurance companies will offer a "free-look period" during which you can receive a 100% refund on your premium. This allows you to review the policy you've selected and return it for any reason within the period allotted — usually for a small administration fee of less than $10.

natwest travel insurance missed port

Under normal circumstances, you don't need to purchase a so-called "cancel for any reason" add-on to your cruise travel insurance policy unless you really need the flexibility. The upgrades are significantly more expensive.

You can receive a quote and purchase a policy online in minutes with any credit card. Although you may think travel insurance should code as "travel" when paid on a credit card and thus be eligible for bonus points on certain cards, that isn't always the case. Your points earnings will depend on the individual underwriter's merchant code. When in doubt, expect the purchase to fall under the insurance category for earnings.

Should I buy travel insurance for a cruise?

Whether you buy travel insurance is a personal decision that will depend on many factors. Would you be willing to absorb the loss of canceling a cruise on short notice due to an illness or accident? Could you afford an evacuation flight from a far-off port if you suddenly became seriously ill? Only you can answer those sorts of questions.

Here are some things to consider as you make that decision.

You might not be covered by regular medical insurance while cruising

If you're a U.S. citizen traveling internationally (which will be the case for most cruises), you may find that most private medical insurance plans in the U.S. won't cover you.

Additionally, Original Medicare only covers people traveling outside U.S. borders in limited circumstances.

While certain Medicare Supplement Plans do have some foreign emergency medical benefits, not all do. Be sure to talk to your Medical Supplemental Plan provider to see if you're covered, what's covered, what the limits are and how the bill is paid.

Also note that, in some countries (particularly those in Central and South America), travelers may not be discharged from a hospital until their bill is paid in full.

Related: Trip wrecked: 7 ways to prepare for any kind of travel disaster

Plus, if you have a medical incident overseas, you could find yourself stuck in a shared hospital room without air conditioning or a private bathroom. The level of care may not be what you expect.

"For people traveling internationally, it's crucial to know beforehand where to go for any treatment … and how they're going to pay for that treatment," Page said.

Getting evacuated for a medical condition is expensive

Most airlines won't accept seriously ill passengers, those carrying bulky medical equipment or those requiring a full medical team.

Even a low-cost weekend getaway on a cruise to the Bahamas out of Miami can turn costly if you suffer a serious accident or illness requiring medical treatment or an emergency medical evacuation.

Related: Do cruise ships have doctors, nurses, medical centers or hospitals?

Being flown back to the U.S. from a far-flung overseas location in a private, medically equipped aircraft, with a professional medical team on board, can run between $70,000 and $180,000, according to Mike Hallman, president and CEO of Medjet, a medical transport membership company.

"Domestic transports, which we cover as well, can cost upwards of $30,000," Hallman said.

Without proof of medical evacuation coverage, foreign providers will also want that money upfront. Hallman said that regular travel insurance will typically get you to an acceptable overseas hospital and even to a higher-level care facility if "medically necessary." Alternatively, medical evacuation coverage means you can fly home to your own hospital, doctors and family — without claim forms, cost caps on transports or surprise bills.

The tandem approach — buying both travel insurance and a separate medevac transport membership — is a good option, Hallman said.

"We always recommend travel insurance, as it covers trip interruption, which is important, as well as medical coverage for the hospital and treatment costs," he said. "We pick up where they leave off."

You can't predict the weather

Cruising is a great way to explore multiple destinations in one trip. But it's good to remember that unexpected delays, interruptions or cancellations due to weather can happen during cruises, particularly during hurricane seasons in places such as the Caribbean and Asia (where hurricanes are called typhoons).

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During a typical hurricane season (June 1 to Nov. 30), Allianz pays about 6,000 claims from customers whose travel plans in the Caribbean, Gulf of Mexico and southeastern U.S. are affected by the storms, according to a spokesperson for Allianz Global Assistance USA.

If you're hoping to insure against a storm-related disaster, it's good to buy travel insurance as early as possible. Once a storm or hurricane is named, it's too late to buy travel insurance to cover it.

Of course, cruise lines will move ships away from a weather threat. When the port lineup is adjusted or the cruise shortened, the company will offer the guest an onboard credit, onboard gift or future cruise credit rather than any refund. It depends on the circumstances of that specific voyage. You won't be able to make a claim on your cruise travel insurance policy just for a minor itinerary change .

Related: Everything you need to know about cruising during hurricane season

Costs can mount quickly when things go wrong

Even if the cruise line does provide a full or partial refund or cruise credit for an itinerary change or some other interruption, travelers could have to swallow the cost of other travel elements not purchased through the line. That could include nonrefundable flights , prepaid resort or hotel nights, nonrefundable tour fees and more.

Travel insurance can cover those, plus help with flight delays or cancellations, baggage loss or theft.

If a winter storm causes you to miss your flight to where the ship is boarding , "travel insurance could help you get to the next port to join the cruise, so you don't miss your entire trip," Page said.

In fact, 13% of "billing reasons" for claims to Allianz are for common carrier delays (such as a flight delay), while weather and natural disaster-related claims account for about 3%.

The government probably won't bail you out

While cruise ships have medical facilities, they're usually not equipped to treat serious illnesses. If you experience a serious medical problem on a vessel, you may have to get off the ship in a foreign port to seek treatment at a hospital. In such a case, if you don't have medical evacuation insurance, you may then find yourself stranded in that port awaiting a medical evacuation.

Don't expect Uncle Sam to step in and help foot the bill.

The U.S. Department of State's Bureau of Consular Affairs clearly states the importance of buying travel insurance.

"The U.S. government does not provide medical insurance for U.S. citizens overseas," the bureau says on the website. "We do not pay medical bills. You should purchase insurance before you travel."

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You may need more assistance than you think

If you're injured or become severely ill during a cruise, especially in a foreign country, it may be difficult to access help without the assistance of trained professionals that comes with many insurance plans.

Many travel insurance companies provide around-the-clock assistance with locating overseas clinics and pharmacies, getting to a doctor or hospital, refilling lost or depleted prescriptions, assisting with up-front payments to hospitals, and arranging flight changes so you can get home.

Travel insurance companies also can arrange for an air ambulance, a nurse escort, oxygen and a lie-flat seat on a flight home if your medical condition warrants it.

You want to be careful if you have preexisting conditions

When you cruise, it's important to be fully covered, which means having comprehensive medical coverage that includes any preexisting conditions. Otherwise, if you head into a doctor's office overseas, have any tests completed, or visit an urgent care center or emergency room, you might not be covered.

Here, timing is extremely important. Cruisers seeking coverage of preexisting conditions, as well as cancel for any reason insurance, generally must book within seven to 21 days of the first payment they make for a trip. The timing varies by insurer.

Bottom line

Cruise insurance isn't for every traveler — or even for every sailing. It's not inexpensive. However, it can bring a lot of peace of mind if you're about to head out to sea. Do your homework, compare plans and always assess the risks.

Planning a cruise? Start with these stories:

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  • Cruise/Travel Insurance

How to document missed port for weather for insurance reimbursement - NCL

cruiser147147

By cruiser147147 , February 25, 2020 in Cruise/Travel Insurance

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cruiser147147

What department at NCL do I need to contact to get documentation of a missed caribbean port due to weather to submit to insurance company?  What exactly do I need to ask for?

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Not sure, but you might be able to pull historical data from this site.

https://www.cruisetimetables.com/#home

VTgreentraveler

What will the claim be?

Missed port due to weather.

what was the lose? And don't all cruise contracts say that ports can change?

3 hours ago, VTgreentraveler said: what was the lose? And don't all cruise contracts say that ports can change?

not relevant to question.  not looking for a debate, just an answer to my question.

Nationwide sells a cruise travel insurance policy that pays cash if your itinerary changes precruise, and also pays cash if your cruise misses a port during the cruise.

7 minutes ago, klfrodo said: Nationwide sells a cruise travel insurance policy that pays cash if your itinerary changes precruise, and also pays cash if your cruise misses a port during the cruise.

Thanks for posting klfrodo.  I get frustrated with posters (not you- you took the time to explain what I did not feel like explaining) who do not read and/or understand an original post and instead go off on their own agenda.  If one doesn't have relevant information requested in an OP, then simply do not reply to the thread. 

I never knew there was such a thing.  I've learned something new today.  I wasn't trying to debate. I was just trying to understand the issue. 

Curious, what is the value of a missed port? Maybe a shore excursion not  booked through the cruise line? 

2 hours ago, VTgreentraveler said: I never knew there was such a thing.  I've learned something new today.  I wasn't trying to debate. I was just trying to understand the issue.  Curious, what is the value of a missed port? Maybe a shore excursion not  booked through the cruise line? 

I think the current coverage is $250 per person

10 hours ago, VTgreentraveler said: I never knew there was such a thing.  I've learned something new today.  I wasn't trying to debate. I was just trying to understand the issue.  Curious, what is the value of a missed port? Maybe a shore excursion not  booked through the cruise line? 

VTgreentraveler --

I apologize for my snippy responses to you now that I understand what your motive was.  The way I read your resonses, I could not tell you did not understand I was looking for the information to file a 3rd party insurance claim.  I am not trying nor do I expect to collect any compensation fron NCL....that is what I have 3rd party insurance for.  Not even sure a claim to my trip insurance will garner me any compensation but its worth a shot if I can figure out how to get documented proof my cruise missed a scheduled port due to high winds and could not dock. 

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On 2/25/2020 at 11:27 AM, klfrodo said: Not sure, but you might be able to pull historical data from this site. https://www.cruisetimetables.com/#home

klfrodo - I cannot figure out how to use this site you recommened to get historical data.  Thanks for the sugestion, I will keep trying as I have time.

Jersey42

1 hour ago, cruiser147147 said: Not even sure a claim to my trip insurance will garner me any compensation but its worth a shot if I can figure out how to get documented proof my cruise missed a scheduled port due to high winds and could not dock. 

Please let us know what happens with Nationwide.

My question is: Assuming you did not lose money from a pre-paid excursion, and NCL did not cancel the port at least a day before the cruise departed, will Nationwide consider this a covered itinerary change?  They have a list of five covered reasons and the only one that might meet your situation is  5) a delay leaving or arriving at/from a Port of Call of more than 3 hours from the scheduled itinerary.  So does skipping a port count as a 3 hour+ delay?

I saw a similar thread a while back on this subject, and don't recall seeing any updates. One suggestion from that thread regarding documentation was the "Log of the Cruise", that many lines put in your mailbox on the last evening of the cruise. My guess is you do not have one, but I figured it was worth a shot.

Here is the Nationwide wording:

ITINERARY CHANGE - INCONVENIENCE

In the event a Cruise makes a Change in Your Trip Itinerary after Your actual departure date we will pay up to the Maximum Benefit shown on the Confirmation of Coverage. Change in Your Trip Itinerary shall mean the Cruise has a documented; 1) fire; or 2) mechanical breakdown; or 3) virus that affects 30% or more passengers; or 4) an event on board that suspends 30% or more of the ship’s services for 24 hours; or 5) a delay leaving or arriving at/from a Port of Call of more than 3 hours from the scheduled itinerary.

Verification by the Cruise of the change in the scheduled Trip itinerary will be necessary for claim payment.

4 hours ago, cruiser147147 said:   VTgreentraveler -- I apologize for my snippy responses to you now that I understand what your motive was.  The way I read your resonses, I could not tell you did not understand I was looking for the information to file a 3rd party insurance claim.  I am not trying nor do I expect to collect any compensation fron NCL....that is what I have 3rd party insurance for.  Not even sure a claim to my trip insurance will garner me any compensation but its worth a shot if I can figure out how to get documented proof my cruise missed a scheduled port due to high winds and could not dock. 

No harm. These forums are very 1 dimensional and often tone can be applied unintentionally.  Good luck and please post the final outcome. 

12 hours ago, Jersey42 said: Please let us know what happens with Nationwide.    

Not Nationwide. 

3 minutes ago, cruiser147147 said:   Not Nationwide. 

Ok. I was aware of the Nationwide policies that @klfrodo  referred to. Who else offers missed port coverage? I would love to take a look at another policy that covers missed ports as the Nationwide policies do not offer this coverage in Florida and eight other states.

11 minutes ago, Jersey42 said: Ok. I was aware of the Nationwide policies that @klfrodo  referred to. Who else offers missed port coverage? I would love to take a look at another policy that covers missed ports as the Nationwide policies do not offer this coverage in Florida and eight other states.

You are not providing any relevant information to the original post. I can not answer your question until I get an answer to my original question and this plays out a lot further.  As I stated in post number 11  ("Not even sure a claim to my trip insurance will garner me any compensation but its worth a shot if I can figure out how to get documented proof my cruise missed a scheduled port due to high winds and could not dock.")  I will not discuss this any further until I have a resolution.  I asked for an answer to  specific questions and apparently no one knows the answer so I may never be able to answer the question you asked.  If I get an answer and then a resolution, I will post outcome but I expect this to be a drawn out process as anything involving NCL is.

1 hour ago, cruiser147147 said:   Not Nationwide. 

If it’s not Nationwide coverage then I’m quit sure you’ll be SOL.

They’re the only ones I’m aware of that provided this type of coverage.

Actually, the payouts have been reduced a ton since they first started this coverage for missed ports.

On 2/25/2020 at 5:13 AM, cruiser147147 said: What department at NCL do I need to contact to get documentation of a missed caribbean port due to weather to submit to insurance company?  What exactly do I need to ask for? Thanks

Have you asked your insurer what is acceptable documentation? Does the policy define what they will accept as proof?   

Sounds like you did not have the opportunity to address this while on board. Have you asked NCL customer service to direct you to the correct department? Are you a member of their loyalty club? Do they have something like a concierge you could contact for direction?

Failing that, perhaps you could contact the port authority of the port you missed. Google it for contact information. They should have schedule and weather data.

Thanks for your response.

We missed the Azores on the Norwegian Getaway's 19-day Transatlantic last fall.  I contacted Nationwide who we had purchased insurance from and they confirmed that was a covered event and sent me the form I needed to submit.  For proof of the itinerary change, I contacted NCL through their "Contact Us" form on their website and requested a copy of the new itinerary, and they sent me a copy of the email that was sent to their corporate office from the captain confirming the itinerary change at the time.  Nationwide accepted that as proof.  Also needed to submit copy of original itinerary, proof of payment for the trip, and copy of the folio statement as proof that we took the trip.  There was a list of documents needed that came with the form they sent.  Was able to submit by email (Nationwide actually prefers that) and received $250 pp for missing a port due to a hurricane.  Also had previously received $750 pp for the pre-cruise itinerary change on our Southern Caribbean cruise after Maria and Irma wiped out 4 of our scheduled ports. Nationwide is an easy company to work with and cheerfully and promptly paid out on both claims.  I was very impressed.  I also had medical claims on the Transatlantic cruise.  They not only paid out promptly, but they actually called me because they noticed that there were more medical charges on my folio statement than what I had submitted claims for.  They wanted to know if they needed to pay any of those (they didn't need to, because my primary insurance paid them).  I can't say enough good things about Nationwide.

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    VTgreentraveler -- I apologize for my snippy responses to you now that I understand what your motive was. The way I read your resonses, I could not tell you did not understand I was looking for the information to file a 3rd party insurance claim.

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