Make sure your cruise insurance holds water | Personal Finance | Finance

A seaworthy plan should include compensation for on-board medical appointment and treatment expenses, and for cabin confinement because of illness or poor weather.

Emergency transport from the ship to a hospital or repatriation home can literally be a lifesaver.

Specialist cruise insurance may also include cover for all preexisting medical conditions, said GoCompare spokesman Martyn John: “You must be honest with your insurer to make sure these are covered, or risk invalidating your policy.”

Cruise holidays can be expensive and are often booked months ahead, so buy a plan that includes cancellation cover immediately after booking.

John said: “Maximum payouts vary from £500 to £25,000 per person, so make sure yours covers the full cost of your holiday and any prepaid excursions.”

Some policies also reimburse pre-booked excursions missed because of illness or injury, and itinerary charges.

John said you may want higher baggage loss or damage limits: “Passengers typically do not face the same baggage weight restrictions as on flights, and may also have to take formal dining attire, so need more cover.”

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