I found an article on cruisecritic.com discussing cruise insurance and whether or not passengers are covered in the event of a natural disaster. With the recent volcanic ash eruptions taking place in the United Kingdom, a popular travel destination for many cruisers, as well as the earthquakes that have recently hit Haiti and Chile, it's important to consider your coverage when traveling. I was happy to find this article and would like to share a few things that I learned.
The article recommended buying third-party insurance when paying for a cruise or booking another big vacation, which is something I never thought about before but quickly realized is a good idea. The article also mentioned that travel insurance covers situations such as cancellations or delays due to inclement weather, uninhabitable residence or destination due to fire, flood, or similar natural disaster, sickness, injury, or death of an insured family member, strike, financial default of an airline or cruise line-resulting in the complete cessation of services, and being involved in or delayed due to a traffic accident en route to departure. The article also mentioned that in order to be covered, these incidents must be unforeseen-AKA once a strike is announced or a plane is delayed you can't go buy travel insurance and expect to be covered.
I learned a great deal from reading this article including that it's best to buy travel insurance as soon as you book your trip. Good advice. Have any of you bought travel insurance before your cruises or any other vacations that you've taken? Let me know! I'd love to hear your thoughts!
Also, check out the full article http://www.cruisecritic.com/news/news.cfm?ID=3804
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