Holiday Insurance: Don't Go Cruising Without It

As every savvy holidaymaker knows, travel insurance is an essential part of going away. It's a small price to pay for complete peace of mind, and means you're covered for any nastiest that might arise during your holiday - such as damage to your baggage, medical emergencies or flight cancellations.

But did you know that if you're planning a cruise holiday, you'll need a specific type of cruise insurance especially designed for this type of holiday? Many cruise ships come with standard insurance coverage for a wide range of medical conditions along with any activities undertaken on-board  and your standard holiday insurance should also cover most of the basics. But some of the more basic holiday policies might exclude cruising or specific shore excursions - and there are many more factors to consider above and beyond the standard beach holiday cover.

There are all sorts of different types of cruise holiday insurance policies available. For instance, you can get protection against missed shore trips or cabin confinement, along with cover for baggage and flight or sailing cancellations. There are also different policy types to choose from, ranging from a basic level of cover which ticks off all the essentials, right up to the highest level which often includes various additional extras along with a higher level of financial cover.

The best way to find out if you've got the right level of cover is to speak to your cruise travel agent. And if you're not convinced or if you think you can get a better deal elsewhere, try searching on the comparison websites to weigh up the benefits and costs of each type of cover. Then once you've found and booked the right policy for you, you can kick back, relax, and sail the seas worry-free.