Royal Caribbean Vacation Protection Plan: What You Need To Know

Table Of Content

• How to purchase Royal Caribbean travel insurance
• Must-Have Tips for Cruising With Babies, Toddlers, or Small Kids (From Someone That’s Done It)
• Royal Caribbean Blog is your ultimate source for Royal Caribbean coverage.
• Can you add cruise protection after booking?
• LUGGAGE PROTECTION3
• Claim Process and Additional Benefits
• Royal Caribbean Travel Insurance - 2024 Review

The cost of any travel insurance plan is dependent on how much your vacation costs, but the industry standard is around 4% to 8% of prepaid non-refundable expenses. It's also a good idea to look at what each plan covers for trip interruption, delay, and cancellation. Specifically, what scenarios have to play out for your insurance to cover it. Never assume coverages, because nearly all cruise insurance requires something to occur out of your hands to be grounds for coverage. We feel it’s important for travelers to know that a policy with more appropriate coverage limits is available for only $31.50 more per person.

How to purchase Royal Caribbean travel insurance

You can get a quote online from any trip insurance provider or broker with no obligation to purchase it. What usually happens is there is a tropical storm somewhere in the Atlantic and someone booked on a cruise wants to cancel their trip. The cruise sailing and the flights haven't been changed or cancelled yet by the carrier, but they don't want to go anymore. Travel insurance covers many more scenarios related to you getting on a cruise, especially circumstances beyond your control. It's not uncommon at all to hear someone brush off the need to buy travel insurance in the first place because they feel the risks are quite low. To make it simpler to understand, here's what you need to know about cruise insurance so you can pick the right option for you.

Must-Have Tips for Cruising With Babies, Toddlers, or Small Kids (From Someone That’s Done It)

Cruise insurance policies are not all the same, so don't assume you can buy any plan. In the following sections, we discuss know what to look for when shopping for travel insurance for your Royal Caribbean cruise. Sara Strickland is a passionate and adventurous travel writer who is constantly on the lookout for hidden gem restaurants and unique experiences. With an insatiable wanderlust, she has made it her mission to explore the world and share her discoveries with fellow travelers through her popular travel blog, Addicted to Vacation.

Royal Caribbean Blog is your ultimate source for Royal Caribbean coverage.

If you or anyone in your travel party is unvaccinated and over age 12, and are not able to show proof of insurance policy requirements set forth by the cruise line, you will not be able to board the ship. Depending on your credit card, it may provide reimbursement in the event of a flight delay or cancellation, your baggage is damaged, or you have a family emergency that requires you to go home. Royal Caribbean offers trip coverage that you can buy when booking your cruise. There are basic plans that are the cheapest, but don't cover nearly as much. Then there are expensive plans that cover a great deal of possible scenarios that will cost you even as much as 10% or more of your trip cost. Not every scenario is covered by travel insurance, so you want to double check what is not part of your plan.

Can you add cruise protection after booking?

If you’re not covered by your credit card, cruise travel insurance can be worth the added cost. It will give you peace of mind before setting sail, when signing up for that adventurous land excursion and when clicking "Book" for an expensive vacation in the COVID travel landscape. Circumstances covered by cruise travel insurance vary by policy and by issuer.

Cruise passengers can purchase travel insurance directly from the cruise lines or a third-party provider, says Meghan Walch, spokesperson with InsureMyTrip, a travel insurance comparison provider. If unvaccinated passengers arrive and do not hold the required travel insurance policies, they will not be allowed to board and they will not get refunds for their cruise. Both charge you nothing extra to use their services, so it's free to browse.

When comparing policies, choose a policy that includes all of the benefits, protections and coverage limits that are important to you. While you may be tempted to choose the lowest-priced option, that policy may not have the coverage you need. This allows you all the cancellation benefits immediately should something come up between the time you purchase and the time you actually travel. While you should check with your specific insurance policy, they usually go into effect at midnight of the day after you purchase them. The most notable exception is that you can’t just cancel your cruise for any reason and get reimbursed for any money you lose.

Any active activity comes with a risk, and you cannot predict if you’ll need medical attention while in port or onboard. Our goal has been to provide our readers with expansive coverage of all aspects of the Royal Caribbean experience. It's unlikely you'll ever need cruise insurance, but if you do, then you'll be so glad you bought a plan.

Royal Caribbean Travel Insurance - 2024 Review

You can get a free quote here, see how much coverage might cost, and see everything it covers. These plans are quite popular because of their ability to be sold right alongside the cruise, which means they are convenient to buy. So if you simply decide that you don’t want to get out of bed the morning of your cruise and call the whole trip off (not sure why you would do such a thing!), then you can cancel and get your money back. Amy Danise is the managing editor for the insurance section at Forbes Advisor, which encompasses auto, home, renters, life, pet, travel, health and small business insurance.

Essentially, travel insurance for a cruise is peace of mind that a calamity will not financial burden you or leave you in a terrible bind. Then there's the really bad situations that could occur, such as getting severely hurt while on your trip. Car accident, falls, major health incidents, are all the kind of things that could require not only hospitalization, but transport by ambulance or helicopter.

This means read your plan documents before you travel so you understand what kinds of things are excluded. Once you pass the final payment date for your cruise (90 days before your sailing for most cruises), you start incurring penalties if you were to cancel. In the final week before your cruise, there are no refunds for a cancellation. The most common trip interruption is the injury or illness of a traveler. If you had an injury or illness on your vacation but can continue traveling after treatment, trip interruption reimburses the unused portion of the trip, and the cost to rejoin the trip in progress.

Our partners cannot pay us to guarantee favorable reviews of their products or services. If, for instance, you book a Western Caribbean cruise but find that the itinerary has been altered to an Eastern Caribbean one; the policy will not provide any compensation. "Effective June 1, 2023, the price of our Travel Protection product will increase for most guests, specifically when your clients’ Total Protected Vacation Cost is less than $8,000." Nathan Diller is a consumer travel reporter for USA TODAY based in Nashville. But those policies may not provide the kind of protection customers are hoping for. Most importantly, compare plans and policies to determine which is the best fit for you.

24 Do's and Don'ts for your Royal Caribbean cruise in 2024 - Royal Caribbean Blog

24 Do's and Don'ts for your Royal Caribbean cruise in 2024.

Posted: Wed, 03 Jan 2024 08:00:00 GMT [source]

Booking a cruise has the potential to result in a pretty large credit card tab. So before you decide on specific upgrades, see what your budget allows for. But if you can swing these, it could make your first cruise experience a lot more enjoyable and comfortable from start to finish.

When your vacation comes around, you don't want to miss the ship because of flight delays or cancellations. Book airfare through our Air2Sea program and should an issue arise, our Emergency Travel Team will work with our airline partners to do everything possible to get you to your cruise. For example, TD Insurance clearly lists on their insurance homepage, that travel advisories will invalidate any claims for Covid related expenses. However, for Manulife Insurance, their Covid travel insurance list exclusions in the FAQs section. There are also questions that relate to pre-conditions, which may impact eligibility for insurance. Consider the following tips when evaluating cruise travel insurance requirements.

Bear in mind that the Vacation Protection Plan is not insurance and doesn’t cover all potential losses. For instance, it doesn’t cover liability for loss or damage to baggage or personal effects. Thoroughly read and understand the plan to know what is and isn’t covered.