Seniors' Cruise Travel Insurance
Need travel insurance for your next cruise as a senior? Compare with Savvy.
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A cruise can be the perfect way to see the world's wonders in comfort and ease if you're a senior traveller. Whether cruising domestic waters or crossing international seas, Savvy can help you find the right travel insurance to give you peace of mind on your holiday.
Comparing with us helps you find the right coverage to protect you against those unexpected events while sailing the high seas. Before you pack your sunscreen and best visor, find the best coverage and compare it with Savvy today.
What does cruise travel insurance for seniors cover?
Many travel insurance companies give senior travellers the option of cruise coverage if they’re sailing the seas on an ocean liner. You can purchase cover for cruises sailing through domestic or international waters, giving you peace of mind while you’re aboard your ocean liner. Depending on your provider, cruise coverage is either automatically included in your policy or sold as an added extra.
The benefits you receive from taking out senior's cruise travel insurance will vary depending on what level of coverage you choose; however, most comprehensive policies will cover you for:
- Medical expenses: If you’re struck down with an injury or illness, you can be treated by an onboard doctor and your insurer will pick up the bill. Almost all insurers will offer you unlimited coverage for health-related expenses.
- Evacuation expenses: If you sustain an injury onboard or your illness deteriorates and you need to abandon ship, your insurer covers the cost. In some countries, the costs can total $300,000 if you don’t have insurance. However, comprehensive insurance covers you if you need emergency excavation.
- Emergency dental: If you chip or break a tooth while you’re off sightseeing, you can have your treatment covered by insurance. Usually, comprehensive policies cover you for treatment up to $1,000.
- Cruise-specific claims: Most insurers cover you if you miss the embarkation for your cruise or are confined to your cabin due to sickness or injury. They’ll also cover you if you miss an onshore excursion due to circumstances out of your control, such as mechanical issues with your boat.
- Booking deposits: It can be a real bummer when you need to cancel your cruise at the last minute. Luckily, if you’re calling off your trip for a covered reason, your insurer will be able to get you a refund on any hotel or tour deposits you’ve pre-paid.
- Lost or damaged luggage: When your luggage goes missing or is damaged while you’re in transit, your insurance company will pay you so you can replace what you’ve lost.
- Personal items: Never fear if your mobile phone or any other valuable possession goes walk about – your insurer will cover the cost of replacing your personal belongings if they are stolen or broken on holiday.
- Rental car excess: Hire cars can be a handy way to get around, whether you’re cruising the coast of Italy or driving the Great Ocean Road. If you have an accident, your excess is covered by your insurance company.
- Funeral costs: If you die overseas due to a covered incident, your insurance company can organise the safe return of your body and cover the cost of your funeral.
How do I compare cruise travel insurance for seniors?
When you’re doing your homework and trying to find the best travel insurance deal on the market, it pays to consider several factors which will help you make your decision easier. When you’re comparing travel insurance policies with Savvy, it’s important to look at the following:
Age limits
It’s widely accepted that you’ll pay a higher premium for your travel insurance the older you are. However, most policies have an age limit in place which can restrict mature-aged travellers from taking out cover.
Some policies limit those over 65 from taking out insurance, while others have limits on over-70s. However, certain companies set their age limits as high as 99 years old.
The prices
If you’re a senior itching to take a cruise but need travel insurance, it’s best to get a few quotes from different providers. This will allow you to price match and see which has all the cover you need for the most affordable cost.
Coverage
While they may seem stock standard no matter where you look, travel insurance providers all offer different benefits. As such, it pays to compare the lists of inclusions and exclusions to ensure you get the coverage you want from your policy.
Financial limits
Insurance companies put limits on how much you claim for certain areas of coverage, such as personal items and cancellations. For example, if your luggage is stolen or damaged, some comprehensive policies will let you claim up to $10,000, but this may extend to $15,000. These caps can vary from insurer to insurer, so it’s worth comparing with Savvy to find limits which satisfy you.
What can impact the cost of my cruise travel insurance as a senior?
No matter if you’re at sea or on land, the cost of your travel insurance will be dependent on several variables. It’s good to have a rough idea of how these factors work when determining the cost of the premium you’re expected to pay.
Excess
When you make a claim on your travel insurance, you’ll be required to pay a previously-agreed excess. Once this is paid, your insurance company covers the remainder of the cost up to your claim limit. Excesses range in price from $100 to $250, but some insurers won’t make you pay anything for certain claims. However, you can expect higher excesses as a senior traveller in general.
Pre-existing conditions
Almost 80% of Australians suffer from an ongoing medical condition. If you’re one of those people, coverage for those pre-existing illnesses will be vital. While most insurers automatically cover you for a range of illnesses, such as osteoporosis, you’ll need to pay extra if you have a more severe condition such as heart disease or multiple sclerosis.
Destinations
Some countries cost more than others when you’re taking out insurance. For example, you’ll pay more for travel insurance to America because the country doesn’t provide universal healthcare. Consider your destination if you’re looking at doing a holiday on the cheap.
Level of coverage
The level of coverage you choose to purchase will play a major role in the average cost of your travel insurance premium. It’s important to remember cheapest isn’t always better, so it’s a good idea to look at whether your trip is better served by comprehensive or basic cover rather than focusing on the price tag.
Number of travellers
If you’re heading off on a cruise with your golfing pals or some family members, most insurers will allow you to roll up to 25 people into one policy. While it’s more expensive as a whole, if you divide the costs between travellers, it can actually work out to be much cheaper.
Length of your trip
The longer you’re away from home, the more you’ll pay to take out travel insurance. Longer trips tend to include more non-refundable bookings such as hotels and tours.
Types of travel insurance
Why compare travel insurance with Savvy?
Reputable insurance partners
Fast and convenient online process
You can complete the quote, comparison and purchase process online through Savvy quickly and easily.
Competitive quote costs
Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.
Top tips for saving money on my cruise travel insurance
Compare with Savvy
If you want to save money when you’re purchasing travel insurance, one of the best ways is to shop around. By comparing with Savvy, you can easily differentiate between the policies offered by some of Australia’s leading insurers.
Pay a higher excess
Choosing to pay a more significant excess will reduce the price of your premium. This is because you’re offering to stump up more of your money towards any claim you may have to make. As always, make sure the excess you choose is affordable for you.
Think about your pre-existing conditions
It may be worth getting a medical check-up before you head on your cruise if you’re over 65. Doing so will enable you to get a clear read on any pre-existing conditions you may have so you know what you have to declare when buying your travel insurance. Not declaring a pre-existing condition could see you left with the medical bills if your claim is voided.
Consider the countries you’re visiting
Insurers give you the choice of worldwide coverage or cover for specific countries you’ll be visiting. If you’re wanting to cut costs, you can handpick the countries you’ll be visiting and just be covered for those.
Frequently asked seniors' cruise travel insurance questions
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Disclaimer:
We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.
Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.
