Why Do I Need Cruise Holiday Insurance?

Anyone who has ever travelled outside of the country will know the value of travel insurance. Even if you have never needed to make a claim, you only have to consider the possibilities or read the news to realise that travel insurance can provide essential financial protection should the worst happen. And if it doesn't, you will still benefit from peace of mind.

If you're planning a cruise holiday, you will need to arrange travel insurance just like any other trip - but it's well worth opting for a specific cruise holiday policy as there are additional eventualities you will need to plan for.

For instance, with a cruise you will be travelling to numerous destinations, so you'll need to ensure every location - plus any possible diversions - are written into your policy. Consider what you could be doing on-shore - such as day trips, safaris, hot air balloon rides and sporting activities. And then think about the onboard entertainment such as rock climbing, ice skating and using the onboard fitness centres.

Cruise insurance policies usually cover plenty of different eventualities with special additions for on and off-board activities, and all the different destinations you'll visit too. For each of these scenarios, good cruise cover should include key features like medical expenses, personal liability, emergency assistance and holiday cancellation cover, among others.

Your best bet is to get advice from your tour operator before you go. If you book through a tour operator like Thomas Cook, they can offer advice and help you to book the right level of cover for your trip. Take a look at the Thomas Cook Cruise Insurance details on their website to find out more, or speak to a member of the team for further advice.

Remember that even if your cruise policy costs a little more than standard holiday cover, it's a small price to pay for financial protection and that all-important peace of mind.