Medical insurance for a cruise can be beneficial in a lot of aspects. For instance, medical insurance while going out to sea for the first time can provide coverage for many unforeseen emergencies, injuries, or medical situations should one occur during your journey.

There are several advantages of securing medical insurance prior to booking a cruise:

1. Cruise activities can be injurious

It is natural that you will explore the port that you visit while on the cruise. If you get injured while rock climbing, scuba diving, or playing beach volleyball, medical insurance will cover you according to the conditions from your insurance provider.

2. Normal health insurance is void on international waters

You should consider getting separate medical insurance on a cruise because your regular health insurance might not cover accident or emergency care abroad. If you are going to a foreign land, it is better for you to get specific medical insurance for a cruise (water bound travel).

4. Gastrointestinal illness on the water

If you’ve never cruised, you may be more prone to gastrointestinal disorder or upset on a cruise. This can happen due to the sea environment and also from drinking water, eating decadent foods, and being in close quarters with other travelers.

5. Medical transport

Medical cruise insurance can act as a savior if you are on the ship and it is lacking sufficient medical equipment. Many insurance plans exceeding $100,000 will provide transportation and proper medical attention in nearby ports of call if you’re cruising in remote areas.

6. Lost luggage

Many travel insurance plans also cover lost or damaged luggage while travelling. If your luggage is lost, these insurance plans let you make an official claim for it, the medical insurance may deliver up to $550 of coverage against a lost luggage.

7. Death or illness

If you’re travelling as or with senior family members, many cruise travel coverage will cover the costs of illness, hospitalization, or death of your family member while you are on a cruise. This coverage often covers medical costs and body air and ground transportation in case of sudden death of a loved one.