When it comes to important purchases, you want to make sure you are making the right decision. The purpose of travel insurance is to cover the nonrefundable costs associated with your trip in case of an unforeseen event.

At Aronfeld Trial Lawyers, we strongly recommend you purchase travel insurance to cover your cruise vacation. Your personal health care plan may not cover you abroad.

The do’s and don’ts of insuring your cruise:

One of the reasons people do not purchase travel insurance is because it can get complicated. Here are some tips that will help as you try to decide what travel insurance is right for you.

  • Know what’s covered.

Is a job loss covered? How about a death in the family? Is a COVID-19 related issue covered? Be sure to read the terms and conditions of the policy, particularly the schedule of benefits and coverage details.

  • Do not automatically buy travel insurance from your cruise line.

Cruise lines may offer travel insurance and can do so in a convenient way- by adding it to the price of your cruise. However, you might not be getting the right coverage, no matter how easy it seems. It is worth doing your research to make sure you choose the best travel insurance for your trip.

  • Consider whether you want a standard or cancel for any reason (CFAR) policy.

A standard policy has decent protection and comes with a list of restrictions on what’s covered. If you want to make sure that you are covered for any reason, whether that’s a pandemic or a last-minute change in plans, look into a “cancel for any reason” (CFAR) add-on to your policy. A CFAR policy is just what the name sounds like. You can cancel your trip for any reason you want and are restricted only by the timing of your cancellation notice (usually two days prior to your trip).

  • Do not wait to buy travel insurance.

You may be able to get complimentary “bonus” benefits, but it usually means buying your policy shortly after booking your cruise. Be sure to consider all your options and choose the provider and plan that offer the best protection for your trip.

A cruise is too expensive of a purchase not to insure, especially in today’s COVID-19 world. Before you buy it though, make sure that you know what you are looking for.

Remember, if you are injured on a cruise, most cruise lines require written notice of a potential claim within 180 days of the incident and a lawsuit be filed here in Miami in Federal Court within one year of the accident regardless of where in the world the incident may have occurred.


Aronfeld Trial Lawyers is a personal injury firm located in Miami, Florida since 1991.  We have fought hard to hold cruise lines accountable when they put their profits ahead of passenger safety.  We are available 24/7 and encourage you to contact us even if you are still on your cruise. The sooner we can begin our investigation and preservation of key evidence, such as the CCTV footage of your trip and fall, slip and fall, assault, or other type of injury the more likely we will be able to understand and prove how the incident occurred. Remember, the cruise lines have the most aggressive and well-funded defense lawyers in the world- protecting their profits.  You need an experienced legal advocate in your corner who will fight to obtain the compensation you deserve for lost wages, medical expenses, transportation reimbursement and pain and suffering.  Call us today and speak with a cruise ship claims lawyer about your potential claim. We are ready to help.

Related Resources:

Should You Insure Your Cruise? Nerd Wallet, April 22, 2022.