Does Travel Protection Cover Norovirus on a Cruise?

Travel protection may help protect you financially if norovirus (or another covered illness) affects your trip, depending on your plan and the plan’s terms. Trip Cancellation may reimburse eligible prepaid, non-refundable trip costs if you cancel for a covered sickness before you depart. Trip Interruption may reimburse eligible unused trip costs and certain additional transportation expenses if you need to end your trip early for a covered sickness. Medical and Dental benefits may help with eligible medical expenses if you get sick during your cruise. Coverage is subject to plan terms, conditions, limitations, and exclusions. For full details, review your plan's documents (https://www.generalitravelinsurance.com/retrieve-policy.html).

Does Having a Pacemaker Affect Cruise Travel Protection?

Having a pacemaker doesn't automatically prevent you from purchasing cruise travel protection, but it may be treated as a pre-existing condition under your plan and may be excluded. Depending on the plan and when you purchase coverage, you may qualify for a pre-existing condition waiver. Learn more about options for pre-existing conditions here: https://www.generalitravelinsurance.com/travel-resources/get-pre-existing-condition-coverage.html.

Should You Buy Travel Protection for a Cruise?

I didn't think we would need this trip coverage but health issues forced us to cancel our cruise. I'm glad we bought the policy.

Michael and Shirley B. from Corona, CA

If you're forced to cancel your cruise, how much of that prepaid trip cost could you get back? This is where Trip Cancellation coverage may help you.

Many things can happen between the time you book your cruise and the start of your vacation that could affect you or your traveling companions or family members and force you to cancel your trip—sickness, job loss, and even flight cancellations due to adverse weather or an airline strike. Luckily, travel protection is a small investment against the full cost of a cruise and Generali Global Assistance plans include Trip Cancellation coverage that may provide reimbursement for a canceled trip. This could be an especially important coverage if you're cruising during hurricane season.

Trip Cancellation coverage may reimburse eligible prepaid, non-refundable trip costs if you cancel for a covered reason.

Trip Interruption and Travel Delay

Many travel protection plans include coverages that may reimburse for expenses related to delays and interruptions. Review your Plan Documents for a complete schedule of benefits and full details on coverages like Trip Interruption, Travel Delay and Baggage Delay.

Travel Delay and missed connection benefits may help with eligible additional costs if covered delays cause you to miss your ship or disrupt your itinerary.

You'll likely pack valuable items such as electronics, jewelry and travel documents with you on a cruise. Unfortunately, the risk of loss, theft or damage to your baggage is always present. Baggage coverage may help with eligible loss, theft, or damage to your belongings.

Cruise Line Coverage vs. Third-Party Plans

Cruise line protection and third-party travel protection plans are not the same, and the differences can matter when it comes time to file a claim.

While cruise lines offer the convenience of adding protection to your booking, the coverage provided often comes with strict guidelines for reimbursement in the event of cancellation.

For example, you may only receive a credit toward a future cruise rather than a cash refund, which may not be ideal if your circumstances change. Additionally, cruise line protection typically does not cover other travel expenses related to your trip, such as flights, accommodations, or excursions booked separately.

Cancel for Any Reason

Some plans may also offer optional upgrades, such as Cancel For Any Reason, which provides additional flexibility if you need to cancel your trip for reasons not covered under typical Trip Cancellation benefits*.