Harshman Travel Agency owners Pam Harshman and Ron Harshman discusses Expansion of Cruise Industry in second half of 2025
Why Cruise Ship Travelers Need Extra Health Insurance.
Embarking on a cruise is an exciting adventure, but health emergencies at sea can turn a dream vacation into a costly nightmare. Standard travel insurance often falls short for cruise-specific medical needs, making additional health insurance a must for savvy travelers. Here’s why and what to consider before setting sail. Cruise ships are floating cities, but their onboard medical facilities are limited, akin to urgent care centers at best. Serious emergencies, like heart attacks or severe injuries, may require evacuation to a nearby port or airlift to a hospital, costing tens of thousands of dollars. Most health insurance plans, including Medicare, don’t cover medical care outside the U.S. or on international waters, where many cruises operate. Standard cruise line insurance often caps medical coverage at $10,000-$20,000, insufficient for major incidents like a $50,000 medevac or $30,000 hospital stay in a foreign country. Specialized travel health insurance tailored for cruises fills this gap. Policies from providers like Allianz, Berkshire Hathaway, or Travelex offer medical coverage up to $250,000, including emergency evacuation, hospitalization, and repatriation. Look for plans covering pre-existing conditions (with a waiver, if purchased early) and telemedicine access, vital for managing issues at sea. Some policies also reimburse for missed ports or trip interruptions due to medical emergencies, ensuring peace of mind. When choosing a plan, verify it covers your cruise’s international destinations and includes 24/7 assistance for coordinating care. Compare costs—policies start at $5-$10/day but vary by age and coverage limits. Purchase early, ideally when booking your cruise, to maximize benefits like cancellation coverage. Don’t let an unexpected health crisis sink your trip. Investing in comprehensive health insurance ensures you’re protected, letting you focus on enjoying the open seas. Whether you’re a corporation seeking innovative incentives or a traveler craving adventure, cruises deliver value, variety, and unforgettable experiences. Contact a trusted travel agent to explore how a cruise can elevate your next incentive program or vacation. The horizon is calling—sail into it.
Book your cruise or travel through Harshman Travel Agency now!
https://harshmantravel.com
here’s an AM Radio and an FM Radio website now to add to the Youmongus Radio Network.
Ocean Cruises, River Cruises, Worldwide Cruises are available through Pam Harshman and Ron Harshman.
The New Youmongus Radio shows also feature Harshman travel Radio. The premiere on https://youmongus.radio.am .
