Travel Protection
Travel plans can be affected by unexpected circumstances. Travel protection may help protect eligible prepaid travel expenses and provide certain benefits when covered events occur. Understanding your options before you travel can help you make an informed decision about the protection that is right for you.
Unexpected Events Can Affect Any Journey
Depending on the protection plan selected, coverage may provide benefits for certain unexpected situations before or during your trip. Benefits, limits, exclusions, and eligibility vary by plan.
Trip Cancellation
Certain plans may provide reimbursement for eligible prepaid, nonrefundable trip costs when a trip must be canceled for a covered reason.
Trip Interruption
Coverage may help with certain eligible expenses if a covered event requires you to interrupt a trip after travel has begun.
Medical Emergencies
Some plans may provide benefits for eligible emergency medical treatment or related expenses incurred while traveling.
Travel Delays
Certain plans may provide benefits for eligible expenses caused by covered travel delays or interruptions to your transportation.
Baggage Protection
Depending on the plan, benefits may be available for covered loss, theft, damage, or delay involving baggage and personal belongings.
Emergency Transportation
Some plans may include benefits related to eligible emergency transportation or evacuation when required by a covered circumstance.
Two Different Sets of Terms May Apply
Travel protection does not replace the cancellation or refund policies associated with your cruise, tour, hotel, airline, group, event, or other travel arrangements.
If you cancel a reservation, the applicable supplier and reservation cancellation terms determine what amounts, if any, are refundable by the travel provider.
A travel protection claim is a separate process. Any reimbursement or benefit is determined according to the specific protection plan, the reason for the claim, documentation submitted, applicable exclusions, and the provider's claim-review process.
Purchasing travel protection does not mean every cancellation or travel loss will be covered.
Understand the Plan Before You Buy
Protection plans are not all the same. Review the complete plan documents and understand the benefits, conditions, exclusions, limitations, and time-sensitive requirements that may apply.
Covered Reasons
Trip-cancellation and trip-interruption benefits typically apply only when the reason for the loss is covered under the specific plan. Review the plan's covered reasons before purchasing.
Pre-Existing Medical Conditions
Some protection plans contain exclusions involving pre-existing medical conditions, while certain plans may provide a waiver or other provision when specified requirements are satisfied. Review the plan documents carefully.
Emergency Medical Coverage
Review the amount of medical coverage, eligible expenses, exclusions, deductibles if applicable, and whether benefits are primary, secondary, or otherwise coordinated with other available coverage.
Emergency Evacuation & Transportation
Review whether the plan includes emergency evacuation, medical transportation, repatriation, or related benefits and the requirements that must be satisfied before those benefits apply.
Trip Cancellation
Confirm what prepaid and nonrefundable trip costs may be eligible, what events qualify as covered reasons, what documentation may be required, and the maximum benefit provided by the plan.
Trip Interruption
Review the circumstances under which interruption benefits may apply after travel begins, including eligible expenses, covered reasons, benefit limits, and documentation requirements.
Travel Delay
Plans may establish a minimum required delay before benefits become available. Review the eligible reasons, waiting period, daily limits, total limits, and documentation requirements.
Baggage & Personal Belongings
Review baggage-loss, baggage-delay, and personal-item benefits, including limits, excluded items, required carrier reports, receipts, and other documentation.
Cancel For Any Reason, If Available
Some plans may offer optional or time-sensitive Cancel For Any Reason benefits. These benefits may differ significantly from standard trip-cancellation coverage and may require purchase within a specified period or compliance with other conditions.
Coverage Effective Dates
Benefits do not necessarily begin at the same time. Review when coverage becomes effective and when each benefit begins and ends.
Exclusions & Limitations
Every protection plan has terms, conditions, exclusions, limitations, and benefit maximums. Carefully review these provisions before deciding whether the plan meets your needs.
Claim Documentation
Travelers may be required to provide receipts, medical documentation, carrier documentation, cancellation records, proof of payment, or other supporting information when filing a claim.
Supplier or Financial Default
If this type of protection is important to you, determine whether the selected plan includes any applicable supplier-default or financial-default benefits and carefully review the conditions and exclusions associated with them.
Earlier Consideration May Matter
Travelers should consider travel protection soon after making their initial trip payment rather than waiting until shortly before departure.
Some benefits, options, waivers, or eligibility provisions may only be available when protection is purchased within a specified period following the initial trip deposit or payment.
A traveler who waits until a later date may still be eligible to purchase protection, but the benefits available at that time may differ from those that could have been available earlier.
Always review the specific plan requirements and purchase deadlines before making a decision.
Compare the Actual Coverage
Travelers may encounter protection offered through a cruise line or travel supplier as well as plans available through independent travel-protection providers. The actual benefits and terms should be compared before making a decision.
Cruise Line or Supplier Protection
A cruise line or other travel supplier may offer a protection product associated directly with the reservation.
The plan may be convenient to purchase with the booking, but travelers should still review the specific benefits, limits, exclusions, cancellation provisions, and claim procedures.
Independent Travel Protection
Independent travel-protection plans may provide different benefit levels, medical provisions, cancellation benefits, interruption benefits, baggage coverage, or other features.
Availability and eligibility vary, so travelers should compare actual plan documents rather than assuming one type of protection is automatically better than another.
Understand the Financial Risk
Purchasing travel protection is generally optional unless otherwise stated for a particular program or travel arrangement. However, declining protection means you should understand the financial responsibility you may retain.
If you cancel or interrupt your trip for a reason that does not result in a refund under the applicable travel-provider terms, you may be responsible for the resulting financial loss.
You may also be responsible for eligible medical expenses, transportation costs, travel delays, baggage losses, or other unexpected travel-related expenses when no applicable protection is in place.
Before declining travel protection, review your reservation terms, cancellation schedule, existing insurance coverage, personal financial risk, and the protection options available to you.
Still Need Travel Protection?
If you previously declined travel protection or did not purchase coverage when making your reservation, you may still be able to purchase a protection plan.
Availability, eligible benefits, coverage effective dates, time-sensitive provisions, exclusions, and purchase requirements depend on the plan selected and the date on which protection is purchased.
Have Your Trip Information Ready
The information required depends on the selected protection provider. Having your reservation information available can make the purchase process easier.
Reservation Information
Have your cruise or travel reservation information available, including the applicable booking or confirmation number.
Travel Dates
Be prepared to provide your scheduled departure and return dates and other itinerary information requested by the provider.
Traveler Information
You may need information for each traveler who will be included in the protection purchase.
Trip Cost
Have information about the prepaid or expected trip costs that may need to be included when selecting coverage.
Initial Trip Payment
The provider may request the date on which your first trip deposit or payment was made.
Plan Documents
Review the plan description, benefits, exclusions, limitations, and other documentation before completing a purchase.
Travel Protection Purchase
Complete the travel protection process below after reviewing the applicable plan information and confirming that the coverage is appropriate for your needs.
Travel Protection Purchase Form
PLACE TRAVEL PROTECTION PURCHASE FORM, COGNITO FORM EMBED, OR AUTHORIZED PROVIDER PURCHASE WORKFLOW HERE.
Know Where to Get the Right Answer
Cruising for Causes can help direct you to available plan information and the appropriate resources associated with your travel experience. Questions about whether a particular event is covered, whether a claim will be approved, or how benefits apply to a specific situation must be answered by the applicable travel-protection provider according to the plan terms.
Contact Cruising for CausesPlease Review the Complete Plan Documents
Information provided on this page is general educational information and is not a guarantee of coverage or benefits. Cruising for Causes does not determine whether an event is covered and does not approve or deny travel-protection claims. Benefits, coverage, eligibility, exclusions, limitations, effective dates, documentation requirements, and claim decisions are governed by the terms of the specific travel protection plan or insurance policy selected. Travelers should review the complete plan documents provided by the applicable provider before purchasing or declining protection.
Turn the Journey Into Something More
Whether you travel with us, support a cause, partner with our organization, or explore the Cruising for Causes Method, every connection can become part of a larger impact.