What Does Princess Cruise Insurance Cover? (A Comprehensive Guide)

AvatarByDale Richard Cruise/Cruising

Princess Cruise Insurance: What Does It Cover?

When you’re planning a cruise vacation, there are a lot of things to think about. You need to choose a ship, a destination, and a cabin. You need to make sure you have your passport and other travel documents in order. And you need to decide whether or not to purchase cruise insurance.

Cruise insurance can help you protect yourself from financial loss in the event of a covered incident. But what does cruise insurance actually cover? And is it worth the cost?

In this article, we’ll take a closer look at Princess Cruise insurance coverage. We’ll discuss what’s included in a typical policy, what’s not covered, and how much you can expect to pay. We’ll also provide some tips on how to choose the right cruise insurance policy for your needs.

So if you’re wondering whether or not cruise insurance is right for you, read on for more information.

What Does Princess Cruise Insurance Cover?

| Coverage | Description |
|—|—|
| Trip Cancellation | Reimbursement for non-refundable cruise fares if you cancel your trip for a covered reason, such as a medical emergency or a death in the family. |
| Trip Delay | Reimbursement for expenses incurred if your cruise is delayed by more than 6 hours. |
| Baggage Loss | Reimbursement for lost, stolen, or damaged baggage. |
| Medical Expenses | Coverage for medical expenses incurred during your cruise. |
| Emergency Evacuation | Coverage for the cost of emergency evacuation and transportation if you become ill or injured during your cruise. |
| Personal Liability | Coverage for damages you cause to other people or their property while on your cruise. |
| Trip Interruption | Reimbursement for expenses incurred if your cruise is interrupted due to a covered event, such as a natural disaster or a terrorist attack. |
| Lost Passport | Reimbursement for the cost of replacing a lost or stolen passport. |
| Cruise Fare Protection | Reimbursement for your cruise fare if your cruise is cancelled due to a covered event, such as a bankruptcy or a strike. |

Princess Cruise Insurance is a comprehensive travel insurance policy that can help protect you from financial losses if your trip is interrupted or canceled due to a covered event. The policy also provides coverage for medical expenses, lost luggage, and other travel-related incidents.

Coverage for Trip Interruptions

Princess Cruise Insurance covers trip interruptions caused by a variety of events, including:

  • Medical emergencies: If you become ill or injured during your trip and are unable to continue, Princess Cruise Insurance will cover the cost of your medical expenses and transportation home.
  • Natural disasters: If your trip is canceled or interrupted due to a natural disaster, such as a hurricane or earthquake, Princess Cruise Insurance will reimburse you for your non-refundable trip expenses.
  • Terrorist attacks: If your trip is canceled or interrupted due to a terrorist attack, Princess Cruise Insurance will reimburse you for your non-refundable trip expenses.
  • Other covered events: Princess Cruise Insurance also covers trip interruptions caused by a variety of other events, such as war, civil unrest, and flight cancellations.

What is not covered?

Princess Cruise Insurance does not cover all trip interruptions. Some of the exclusions include:

  • Pre-existing conditions: If you have a pre-existing medical condition, Princess Cruise Insurance will not cover medical expenses related to that condition.
  • Delays: Princess Cruise Insurance will not cover delays that are not caused by a covered event.
  • Acts of war: Princess Cruise Insurance does not cover losses caused by acts of war.
  • Other exclusions: There are a number of other exclusions that apply to Princess Cruise Insurance. Be sure to read the policy carefully to understand what is and is not covered.

How much coverage is available?

The amount of coverage available under Princess Cruise Insurance depends on the type of policy you purchase. The standard policy provides coverage for up to $10,000 in medical expenses, $5,000 in lost luggage expenses, and $2,500 in trip interruption expenses. You can purchase additional coverage if you need more protection.

Princess Cruise Insurance is a valuable way to protect yourself from financial losses if your trip is interrupted or canceled. The policy provides comprehensive coverage for a variety of events, and the amount of coverage available is flexible. Be sure to read the policy carefully to understand what is and is not covered before you purchase a policy.

Coverage for Medical Expenses

In addition to trip interruptions, Princess Cruise Insurance also provides coverage for medical expenses. The policy covers a wide range of medical expenses, including:

  • Hospitalization: Princess Cruise Insurance will cover the cost of your hospitalization, including room and board, medical tests, and surgery.
  • Doctors’ fees: Princess Cruise Insurance will cover the cost of your doctor’s visits, including consultations, examinations, and procedures.
  • Medications: Princess Cruise Insurance will cover the cost of your medications, including prescription drugs and over-the-counter medications.
  • Transportation to and from the hospital: Princess Cruise Insurance will cover the cost of your transportation to and from the hospital.
  • Other covered expenses: Princess Cruise Insurance also covers a variety of other medical expenses, such as ambulance fees, medical supplies, and rehabilitation costs.

What is not covered?

Princess Cruise Insurance does not cover all medical expenses. Some of the exclusions include:

  • Pre-existing conditions: If you have a pre-existing medical condition, Princess Cruise Insurance will not cover medical expenses related to that condition.
  • Medical expenses that are not reasonable and necessary: Princess Cruise Insurance will only cover medical expenses that are reasonable and necessary.
  • Medical expenses that are not covered by your primary insurance: Princess Cruise Insurance will only cover medical expenses that are not covered by your primary insurance.
  • Other exclusions: There are a number of other exclusions that apply to Princess Cruise Insurance. Be sure to read the policy carefully to understand what is and is not covered.

How much coverage is available?

The amount of coverage available for medical expenses under Princess Cruise Insurance depends on the type of policy you purchase. The standard policy provides coverage for up to $10,000 in medical expenses. You can purchase additional coverage if you need more protection.

Princess Cruise Insurance provides comprehensive coverage for a wide range of medical expenses. The policy can help you protect yourself from financial losses if you become ill or injured during your trip. Be sure to read the policy carefully to understand what is and is not covered before you purchase a policy.

Coverage for Baggage Loss or Damage

Princess Cruise Insurance covers the loss or damage of your baggage up to a certain amount. The amount of coverage you receive depends on the type of policy you purchase.

What is covered?

Your baggage is covered for loss or damage if it is lost, stolen, or damaged while in the care of the cruise line. This includes baggage that is lost or damaged while in your stateroom, on the ship, or in a port facility.

What is not covered?

Your baggage is not covered for loss or damage if it is lost or damaged due to your own negligence. This includes baggage that is lost or damaged because you left it unattended, or because you packed it incorrectly.

How much coverage is available?

The amount of coverage you receive for baggage loss or damage depends on the type of policy you purchase. Princess Cruise Insurance offers three levels of coverage:

  • Basic coverage: This covers the loss or damage of your baggage up to \$1,000.
  • Standard coverage: This covers the loss or damage of your baggage up to \$2,000.
  • Premium coverage: This covers the loss or damage of your baggage up to \$5,000.

How to file a claim

If your baggage is lost or damaged, you must file a claim with Princess Cruise Insurance within 60 days of the incident. To file a claim, you will need to provide the following information:

  • Your policy number
  • The date of your cruise
  • The port where your baggage was lost or damaged
  • A description of the lost or damaged items
  • The value of the lost or damaged items

Princess Cruise Insurance will review your claim and will make a decision on whether or not to approve it. If your claim is approved, you will receive a payment for the amount of your loss.

Other Coverages

In addition to coverage for baggage loss or damage, Princess Cruise Insurance also offers a number of other coverages, including:

  • Emergency evacuation and repatriation: This coverage will help to pay for the cost of emergency medical evacuation or repatriation if you become ill or injured while on your cruise.
  • Lost personal documents: This coverage will help to pay for the cost of replacing lost or stolen personal documents, such as your passport, driver’s license, or credit cards.
  • Trip delay: This coverage will help to pay for the cost of meals, lodging, and transportation if your cruise is delayed or canceled.
  • Cancellation for any reason: This coverage will help to pay for the cost of your cruise if you cancel it for any reason.

Princess Cruise Insurance offers a comprehensive range of coverages to protect you in the event of a loss or damage to your baggage or other personal belongings. By purchasing a policy, you can rest assured that you will be financially protected in the event of an emergency.

What Does Princess Cruise Insurance Cover?

Princess Cruise Insurance covers a wide range of expenses, including:

  • Medical expenses, including doctor’s visits, hospital stays, and prescription drugs
  • Trip cancellation and interruption costs, if you have to cancel or interrupt your cruise for a covered reason
  • Baggage loss or damage
  • Personal liability, if you are sued for an accident that occurs while you are on your cruise
  • Emergency evacuation and repatriation, if you need to be evacuated from your cruise ship or returned home for a covered reason

What are the benefits of purchasing Princess Cruise Insurance?

There are many benefits to purchasing Princess Cruise Insurance, including:

  • Peace of mind: Knowing that you are protected in the event of a medical emergency, trip cancellation, or other covered event can help you relax and enjoy your cruise.
  • Financial protection: If you have to cancel or interrupt your cruise for a covered reason, Princess Cruise Insurance can help you cover the costs of your non-refundable deposits and other expenses.
  • Convenience: Purchasing Princess Cruise Insurance is easy and can be done online or through your travel agent.

**What are the costs of Princess Cruise Insurance?

The cost of Princess Cruise Insurance varies depending on the length of your cruise and the level of coverage you choose. You can get a quote for Princess Cruise Insurance online or through your travel agent.

**How do I purchase Princess Cruise Insurance?

You can purchase Princess Cruise Insurance online or through your travel agent. To purchase online, visit the Princess Cruise Insurance website and enter your cruise details. You will then be able to choose the level of coverage you want and purchase your policy.

**What happens if I need to file a claim on my Princess Cruise Insurance?

If you need to file a claim on your Princess Cruise Insurance, you can do so online or by calling the Princess Cruise Insurance customer service line. You will need to provide your policy number and details of the claim you are filing.

**Is Princess Cruise Insurance worth it?

Whether or not Princess Cruise Insurance is worth it for you depends on your individual needs and circumstances. If you are concerned about the cost of medical expenses, trip cancellation, or other covered events, then purchasing Princess Cruise Insurance may be a good idea. However, if you are not concerned about these risks, then you may not need to purchase insurance.

Princess Cruise Insurance can provide you with peace of mind and financial protection for your cruise vacation. It covers a wide range of expenses, including medical costs, trip cancellation, lost luggage, and more. By purchasing cruise insurance, you can rest assured knowing that you are protected in case of any unexpected events.

Author Profile

Dale Richard
Dale Richard
Dale, in his mid-thirties, embodies the spirit of adventure and the love for the great outdoors. With a background in environmental science and a heart that beats for exploring the unexplored, Dale has hiked through the lush trails of the Appalachian Mountains, camped under the starlit skies of the Mojave Desert, and kayaked through the serene waters of the Great Lakes.

His adventures are not just about conquering new terrains but also about embracing the ethos of sustainable and responsible travel. Dale’s experiences, from navigating through dense forests to scaling remote peaks, bring a rich tapestry of stories, insights, and practical tips to our blog.