Alaskan cruise insurance considerations

Travel insurance

According to travel insurance comparison site Squaremouth, there are four things travellers should check before getting insurance for an Alaskan cruise.

Squaremouth said that Alaskan cruises are among the most popular vacations in the US and many travellers obtain travel insurance for their trips. It advised that airline delays and cancellations can be unpredictable and may cause travellers to miss their cruise. They should therefore consider missed connection coverage, which can help them to catch up to their cruise if they miss its departure.

Another factor to consider is the expense of medical treatment and evacuation, which Squaremouth says can be expensive on a cruise ship. “With Alaska's rural and smaller destinations, the need to be evacuated to a larger medical facility is also an expensive possibility,” it said. It recommends a minimum of US$250,000 of emergency evacuation coverage and at least $100,000 of emergency medical coverage.

Squaremouth also advises travellers to ensure they are protected for the activities they are planning during their trip as most policies will exclude coverage for heli-skiing, mountain biking, snowmobiling and water rafting, for example. “If you plan to take part in these adventure activities, consider getting the upgraded hazardous sports coverage,” it said.

Last but not least, Squaremouth says that using a comparison site will enable travellers to sort through policies' coverages and compare them side by side to get the best value. “Travel insurance purchased through a third party can cover travelers' pre-existing conditions and will cover them from the time they leave home to their return, including delayed or cancelled flights,” it said.