If you're planning a cruise vacation with Norwegian Cruise Line, you might be considering their travel insurance options. In this review, we'll take a closer look at Norwegian's insurance offerings and compare them to other options in the market. So, let's dive in and explore what Norwegian Cruise Travel Insurance has to offer!
Why Should You Consider Cruise Travel Insurance?
Before we dive into the specifics of Norwegian's insurance options, let's understand why cruise travel insurance is essential. When it comes to protecting your travel investment, there are three critical benefits that you need to have in place:
1. Cruise Cancellation Protection
Every comprehensive travel insurance policy includes cancellation benefits. It's important to note that cruise travel insurance is not limited to cruise vacations alone. Whether you're traveling on a cruise ship, by rail, or by aircraft, comprehensive travel insurance will provide the cancellation protection you need. Norwegian Cruise Travel Insurance, referred to as 'Booksafe Travel Protection', also covers cancellation events such as accidents, illness, death, legal obligations, and weather conditions.
2. Travel Medical Health Insurance
Travel Medical Health Insurance is a crucial aspect of any trip insurance policy. Medical expenses can be hefty, especially if you require treatment at an international private hospital. We recommend having at least $100,000 of Travel Medical Health Insurance in place, especially if you're traveling outside the United States. Norwegian Cruise Insurance offers medical coverage of $20,000, which may not be adequate for unforeseen medical emergencies.
3. Medical Evacuation Coverage
In the event of a severe accident or illness, medical evacuation may be necessary to transport you to the most suitable medical facility. Norwegian Cruise Insurance offers medical evacuation coverage of $25,000 in their Standard plan and $50,000 in their Platinum plan. While this coverage may be sufficient for some situations, we generally recommend a minimum coverage of $500,000 for evacuations from Asia or Africa.
Norwegian Cruise Travel Insurance Options
Now that we understand the importance of cruise travel insurance, let's take a closer look at the specific options offered by Norwegian Cruise Line:
Platinum Coverage
- Trip Cancellation or Interruption: Total NCL vacation cost
- Trip Delay: $500
- Emergency Evacuation: $50,000
- Accidental Medical Expense: $20,000
- Sickness Medical Expense: $20,000
- Baggage/Personal Effects: $3,000
- Enhanced Cancellation Protection provided by NCL: 90% cruise credit
Standard Coverage
- Trip Cancellation or Interruption: Total NCL vacation cost
- Trip Delay: $500
- Emergency Evacuation: $25,000
- Accidental Medical Expense: $20,000
- Sickness Medical Expense: $20,000
- Baggage/Personal Effects: $1,500
- Enhanced Cancellation Protection provided by NCL: 75% cruise credit
While Norwegian Cruise Insurance provides some coverage for cancellation, medical expenses, and baggage, it may not offer the most comprehensive coverage for all travelers.
Exploring Alternative Options
If you're seeking more comprehensive coverage for your cruise vacation, there are alternative travel insurance options available in the market. One such option to consider is the AIG Travel Guard Plus Insurance plan. This plan provides good coverage levels at a lower cost compared to Norwegian Cruise Insurance.
The AIG Travel Guard Plus Insurance plan includes the following benefits:
- Time-Sensitive Benefits: Offers Cancel for Any Reason and Cancel for Work Reason protection within specific time frames
- Regular Benefits: Provides medical coverage, financial default protection, trip cancellation coverage, and medical evacuation coverage up to $1,000,000
The AIG Travel Guard Plus Insurance plan is an excellent choice for travelers seeking affordable coverage with comprehensive benefits. At just $78.44 for two travelers, it offers $100,000 of Travel Medical Health Insurance embedded into the policy.
Conclusion: Making the Right Choice
While Norwegian Cruise Travel Insurance offers coverage, it may not provide the most comprehensive and cost-effective options for all travelers. If you're looking for adequate protection for your cruise vacation, we recommend exploring alternative options available in the wider travel insurance market.
At Cruise Insurance 101, we bring together leading trip insurance carriers, allowing you to easily compare rates and coverage levels. We only work with carriers that have high ratings and excellent customer service. By using our marketplace, you can be sure to find the policy that suits your needs at the best possible price.
If you have any questions or need further assistance, feel free to chat with us online, send an email to [email protected], or call us at +1 (786) 751-2984. We're here to help and ensure you have a safe and worry-free travel experience!
Safe travels!
