In an article published on the Huffington Post regarding the many headaches Carnival Cruises has endured this year, the difference between cruise line insurance and third-party travel insurance for your cruise is spelled out in stark terms. While there are many good reasons to purchase your insurance from an independent source rather than from the cruise line on which you’re planning to sail, the most obvious one is often overlooked: If you are insured by the cruise line, that insurance policy is likely to be written in such a way as to be of more benefit to the cruise company than it is to you.
To avoid common headaches such as receiving “reimbursement” in the form of vouchers for future cruise experiences you may or may not want to take, as well as to secure additional benefits for yourself that could be useful in helping you to recover the costs of additional transportation, or cover your medical expenses out of country if necessary, buying travel insurance for your cruise should always be done through a third party. The Huffington Post article recommends InsureMyTrip as a “respectable and easy to use service” for just this sort of purchase.
The full text of “Carnival Cruise Lines and why Third Party Travel Insurance Pays” can be found on the Huffington Post’s Travel section.