Coronavirus and Travel Insurance: Is Your Cruise Covered?

The Coronavirus pandemic has caused widespread chaos within the cruise industry and getting travel insurance will probably never be quite the same. Many people are wondering if their current travel insurance will cover them for Coronavirus related claims when travelling by cruise ship and if they'll be able to get insurance for their next cruise. I have spent days talking to insurance companies and in this video you're going to learn everything that you need to know about coronavirus and cruising. Timestamps: 00:30 Will my Insurance Bought Pre Coronavirus Cover my Cruise? 00:48 Does The Governments Travel Restrictions Affect Travel Insurance? 01:24 Questions to Ask Your Insurer 02:30 Can a Cruise Line Give me a Voucher For a Cancelled Cruise? 03:49 What Happens if my Travel Insurance Runs Out While I'm Abroad? 04:30 Will My Travel Insurance Cover me if I Cancel my Cruise? 06:18 Can I Cancel my Cruise if I am Classed as Vulnerable? 07:18 If my Cruise Has Changed Dramatically am I Covered by my Travel Insurance? 07:55 Can I Cancel my Travel Insurance Policy And Get a Refund? 09:20 What Will Future Insurance Policies Include in Regards to Cruising and Coronavirus? 10:50 Should I Renew an Annual Cruise Travel Insurance Policy for Coronavirus Cover? Further Reading: If you purchased travel insurance before Coronavirus the majority of travel insurance policies will cover you for Coronavirus related cancellations. Government Advice May Mean You Can't Travel - You more than likely can't travel if the government has a 'essential only' travel order. If you do this your travel insurance probably won't cover you. Some insurers will allow it if your travel is deemed to be essential such as getting yourself home but the reasons for travel being classed as essential are extremely limited and you'd have to have this pre approved with your insurer. Travel Insurance Does Run Out - Another thing to bear in mind before travelling is that insurance runs out at a certain date. It can usually be extended but if you were quarantined in a country or injured your travel insurance may run out. Many travel insurers would extend your cover if you are hospitalised but if you are simply stuck in another country for whatever reason you may be left without insurance if your travel insurance does expire and the company you bought it with won't allow you to extend it.  If You Are Vulnerable - Some people may be able to cancel and have it covered by travel insurance if they have a characteristic that makes travelling more risky such as being over 70 or having underlying health problems. If you do fall into this category and want to cancel a cruise further in the future I'd first speak to the cruise line, if they don't let you move the cruise speak to your insurer. You may have to give some form of evidence and the insurer will decide on a case by case basis. If you are definitely not going to be travelling anytime soon it can be a good idea to request a refund and I personally know people who have received hundreds of dollars back from the travel insurance provider. Do New Travel Insurance Policies Cover Coronavirus? - The majority of new policies going forward will still cover you for emergency medical care and the costs associated with getting you home if you do get Coronavirus while abroad. They won't cover you for travel costs, loss of earnings, hotel stays or anything related to having to quarantine either on a ship or on land. What Happens if I Renew an Annual Policy? - As Coronavirus is now a 'known event' this means that the majority of insurers won't include it in their new policies. However if you are renewing an annual policy the new policy should still have the cover. The financial ombudsman has confirmed that as long as you had the policy before mid march and you're renewing with the same insurer you should still have the same level of cover as the original policy. Read the full post here: https://cruisingisntjustforoldpeople.com/cruise-travel-insurance/ ‎ Sources: https://www.staysure.co.uk/discover/coronavirus-latest/ https://www.comparethemarket.com/travel-insurance/content/corona-virus/ https://www.which.co.uk/news/2020/06/coronavirus-what-it-means-for-your-travel-insurance/ https://www.moneysavingexpert.com/news/2020/02/coronavirus-travel-help-and-your-rights/ https://www.insureandgo.com/help/coronavirus  ▶ SUBSCRIBE or weekly cruise tips, tours and news: https://bit.ly/34ltwZi ▶ FREE TRAINING: Want to learn how to cruise well on a budget? https://bit.ly/31vGORb ▶ JOIN THIS CHANNEL: https://bit.ly/3kmSZan ▶ BOOKING A CRUISE? Free cruise quote: https://bit.ly/3mf9FRZ *** RECOMMENDATIONS: Never ever ever ever cruise without travel insurance! Compare quotes here: USA: https://www.anrdoezrs.net/click-100225232-13511091 UK: https://tidd.ly/3oiKD5Y ▶ Recommended Cruise Lines: https://bit.ly/31WiXdA ▶ Recommended Blog/YouTube Resources: https://bit.ly/2HnSjn1