Article ID: cf8a6498d35082f17da442ce85b45f457825a98007f4661ecba7946eba0c394c
Source ID: secondary:businessinsurance.com
Published At: -
Extraction Method: trafilatura
URL: https://www.businessinsurance.com/cruise-insurance-prices-go-overboard/
Body Text
Cruise enthusiasts and cruising for higher costs, as a new report shows that insurance add-ons are quietly inflating the final bill. Like getting the room with a view. As Squaremouth reported Friday, cruise trip insurance can swing from “reasonable precaution” to “did I just insure the ship?” depending on what travelers buy. According to the analysis of thousands of cruise insurance policies sold over the past year, travelers who opt for comprehensive cruise insurance pay, on average, 432% more than those choosing bare-bones medical-only coverage. The average medical-only policy costs about $101. Comprehensive coverage? Try $538. Add “cancel for any reason,” and the price climbs to roughly $807 — or what some cruisers might call “another excursion.” The gap reflects what’s covered. Medical-only plans handle onboard treatment and emergency evacuations. Comprehensive policies reimburse non-refundable cancellations, interruptions, delays, missed connections and come with 24/7 assistance. Trip cost matters, too. Squaremouth found the average cruiser spends about $7,700 on a trip, with insurance averaging 7% of that total. Budget cruises under $1,000 see insurance around $94, while luxury sailings over $9,000 can push premiums north of $1,100. Age also weighs in. Travelers over 70 pay nearly three times more than those under 50, reflecting higher medical risks and typically longer, pricier trips.
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