Cabin confinement
If you fall ill, the medical officer on board might require you to stay in your room to avoid making other passengers ill. If you're covered for this, you should get a payout from your insurance.
Personal belongings, money, and baggage
This covers you if your items are stolen, accidentally lost, or damaged.
Cancellations
If you have to cancel your trip in an emergency, your policy should cover the cost of pre-paid travel, accommodation, and unused excursions.
Missed departure
This cover offers some compensation if you miss your departure. It covers strikes, car breakdowns, or train cancellations.
Cruise interruption
If you become ill and need to go to land for treatment, you’ll be able to claim for your travel expenses.
Unused excursions
If you miss an excursion because of an accident, an injury, or illness, you should be able to claim for the activity cost.
Missed port cover
If your ship leaves without you due to reasons beyond your control, your travel and accommodation costs should be covered until you can rejoin. For example, if you’ve been delayed by bad weather or an accident on the road.
Medical cover
This is important, especially if you’re hundreds of miles away from the mainland and need medical assistance. Medical cover can also cover emergency airlift to hospital if needed.