Published: February 14, 2024
Embarking on a cruise offers an escape on the open sea, promising adventure and relaxation with the ship's vast amenities. But as any seasoned traveler knows, the journey can sometimes take unexpected turns. From inclement weather disrupting meticulously planned itineraries to unforeseen medical emergencies, a cruise vacation can quickly turn from a dream vacation to a challenging ordeal.
More travelers are taking that risk and setting sail than ever before. AAA’s Cruise Forecast says a record 21.7 million Americans will cruise in 2026, and 91 percent of cruisers go on to book more than one trip. That kind of repeat investment is exactly why protecting each voyage matters.
While many travelers prioritize coverage from the best cruise insurance options for cancellations, the horizon of protection extends far beyond mere reimbursement for interrupted voyages. Allianz Travel Insurance, in partnership with AAA, unveils a treasure trove of benefits designed to safeguard adventurers against unforeseen circumstances. Below are a few of the many ways protecting your cruise with Allianz insurance can give you peace of mind.
While reimbursement for covered cruise cancellation is usually the most top-of-mind travel insurance benefit for a majority of cruisers, Allianz Travel Insurance offers much more value beyond that. For example, it can provide benefits in case a cruise gets interrupted for many covered reasons—including family medical emergencies back home and certain inclement weather events that were unnamed at the time the plan was purchased. Since safe cruising can be weather-dependent, this is a valuable benefit to have. It can also be extremely helpful if a traveler’s flight to their cruise embarkment is canceled or delayed, causing them to miss part of their cruise. Even if a traveler has a covered travel delay that doesn’t cause them to miss any cruise time, but does necessitate additional meals or extra accommodations while waiting for departure, travel delay benefits can reimburse them for these types of unplanned costs.
Travelers who purchase Allianz Travel Insurance through AAA are eligible for compensation if they miss a port of call on their original cruise itinerary. This includes being unable to dock for unforeseen circumstances, like unsafe weather conditions.
You can also use the trip cancellation or interruption benefit when water levels are too high or too low for a cruise to proceed with its scheduled itinerary. So if you’re like the 72 percent of U.S. cruisers who are sailing the Caribbean, where itineraries often include multiple port stops, you know you’re covered if you miss an excursion for reasons outside your control.
Insured travelers can also feel more secure knowing they have protection for lost, stolen, damaged or delayed personal belongings—meaning they can be reimbursed for replacement items they need to buy if something happens to their belongings while traveling.
Another important reason to protect a cruise with Allianz Travel Insurance is the emergency medical benefit and the emergency medical transportation benefit, which can save travelers thousands if they have a medical emergency—whether traveling domestically or internationally. The emergency medical transportation benefit can pay for a ground or air ambulance to the nearest appropriate medical facility, having a loved one transported to the insured traveler’s bedside and for transportation back home after such an event.
Whether or not a cruiser has an emergency while traveling, Allianz Travel Insurance gives them access to round-the-clock expert travel assistance that can support them through most any travel challenge—like replacing a lost passport or forgotten prescription, providing translation services, following up on medical care and much more.
Start planning your next cruise or vacation with more peace of mind. Ask your AAA travel advisor for details on Allianz Travel Insurance plans available through AAA—even if you’ve already booked.
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Terms, conditions, and exclusions apply. Availability of specific benefits and covered reasons described here varies by product and by state. Products may not include all benefits or covered reasons described here. See your plan for details on what your plan includes. Benefits may not cover the full cost of your loss. All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits and daily maximums. Be sure to review your plan carefully to understand what limits apply to your plan. Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance, TravelSmart, and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through Allianz Global Assistance. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233.
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