Q: Do I need a different area of cover if my cruise stops in a country I don't plan to visit?
A: Yes. When choosing your geographical area of cover (such as Europe Restricted or Worldwide), your policy zone must include every single country listed on your cruise itinerary.
The Strict "Stay on the Ship" Rule
A very common misunderstanding is assuming you do not need coverage for a country if you plan to stay on board the cruise liner while it is docked. This is incorrect.
Example: If you have a European area of cover, but your cruise itinerary includes a scheduled stop in Morocco (which falls under a Worldwide zone), you will not be covered for the trip, even if you promise not to leave the ship. Your policy area must match the physical locations your ship enters. If your cruise itinerary features a country outside your policy zone, you must upgrade your geographical area before you depart.
Please note: All cover is subject to the policy terms, conditions, exclusions, and any applicable excess. Full details can be found in the policy wording.