Does this cover apply to every policy?
No. The cover described in this article only applies if you have purchased the optional Cruise Cover add-on and it is shown on your policy schedule.
What happens if I miss my cruise departure?
If you fail to arrive at the initial departure point in time to board your cruise, Cruise Cover can help with the additional cost of catching up with the ship at the next available port.
Cover may apply where the delay is caused by:
Public transport failure.
A road traffic accident.
Severe weather.
Mechanical breakdown.
A strike.
The policy can cover reasonable additional costs for:
Room-only accommodation.
Economy-class public transport to reach the next available port and re-join your cruise.
Cover does not apply where the disruption is caused by war, civil war or terrorism.
What happens if my cruise misses a scheduled port?
A fixed benefit may be payable if a port shown on your official cruise itinerary is completely cancelled because of:
Adverse weather.
Port timetable restrictions.
For cover to apply, the cruise line must not provide an alternative port.
How is the benefit calculated?
The benefit is paid for each eligible port that is missed, rather than as one payment for the whole cruise.
The amount payable for each missed port is subject to the limit shown in your policy.
What if I take more than one cruise during the same trip?
If you take multiple cruises during one trip outside the UK, the policy limits apply to the trip as a whole, rather than separately to each cruise.
This means only one overall maximum cancellation or missed-port limit per insured person can apply to that trip.
What if the ship diverts outside my selected policy area?
If your cruise ship is forced to divert to a country outside the geographical area covered by your policy because of bad weather or an emergency, your existing cover can continue provided you remain on board the ship and do not disembark in that country.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess. Please refer to your policy wording for full details of Cruise Cover.