Looking for extra cover for your Cruise Trip? Discover the benefits of Go Insurance Cruise Cover
While most comprehensive travel insurance policies will provide automatic cover for cruise trips, there are a number of providers that offer policies specified for cruise travel…one such provider is Go Insurance.
The Go Insurance Cruise Extension option provides cover for pre-paid excursions when unforeseen circumstances force you to forfeit your deposit, as well as for missed shore visits, missed port connections, cabin confinement and more. With the right cover in place for your cruise holiday, you can explore the seven seas with the peace of mind that you have the financial protection you need if unexpected circumstances wreak havoc with your travel plans.
What does the Go Insurance Cruise Travel Insurance option cover?
Cruise Insurance from Go Travel Insurance offers the following benefits
- Pre-paid Excursions. This benefit provides cover when adverse weather conditions or the death, accidental serious illness or injury of you or your travelling companion means you are unable to participate in a pre-paid excursion. It covers the irrecoverable value of excursions you have booked and paid for prior to your trip.
- Missed shore visits. If inclement weather or cruise timetable restrictions result in the cancellation of scheduled port visits, Go Insurance provides $100 of cover per missed shore visit (up to a total of $500).
- Missed port connections. This benefit covers the additional accommodation and travel expenses you incur to re-join the cruise when one of the following occurs:
- You or your travelling companion suffer an illness or injury while ashore and require hospital treatment
- Your passport is lost, stolen or damaged while you are ashore and you are unable to board the cruise prior to it leaving port
- Your arrive at port too late to re-board the cruise following motor vehicle accident, vehicle breakdown or public transport failure
- Cabin confinement. You’ll receive $75 per day for each 24-hour period during the cruise that you are quarantined or confined to your cabin on the orders of the ship’s doctor.
- Additional baggage allowance. This increases the sum insured for lost, damaged or stolen property on your Go Basic or Go Plus policy by $2,000.
- Emergency formal attire. This benefit provides cover if your formal attire is lost, stolen or damaged during your trip. You’ll be covered either for the cost of hiring replacement attire, the cost of purchasing replacement attire, or the cost of cleaning and/or repairing your attire.
A closer look at Go Insurance Travel Insurance policies
Travel Insurance from Go Insurance is available with two levels of cover: Go Basic and Go Plus. Go Basic Travel Insurance is an entry-level policy that provides cover for up to $10 million of overseas medical expenses. It also covers emergency dental expenses, cancellation and curtailment costs, lost or stolen personal property, loss of passport, theft of money and personal liability cover.
A Go Plus policy provides cover for all the same risks as a Go Basic policy, often to higher benefit limits, but it also offers a range of additional features. It covers death, personal accident, mugging, disruption to scheduled travel plans, hijacking, legal expenses, overseas car hire excess and more.
Policyholders also have the freedom to opt out of certain benefits in order to create a policy that is more affordable and designed to suit their unique needs.
Go Insurance Travel Insurance Pre-existing medical conditions
Claims arising due to pre-existing medical conditions are excluded from cover on your Go Insurance Travel Insurance policy. However, there are certain conditions which are automatically covered, including:
- Broken bones
- Carpal tunnel syndrome
- Colds and flu
- Glandular fever
- Hip replacement (over 12 months ago and with no recent symptoms or treatment)
- Pregnancy (certain exclusions apply, such as that you cannot travel after the 20th week of gestation for a single pregnancy or after 16 weeks for a multiple pregnancy)
- Skin irritations
Go Insurance Travel Insurance Claims
24-hour in-house claims department
If you need to make a claim on your Go Insurance Cruise Travel Insurance policy, Go Insurance has a dedicated in-house claims team to help simplify the process. In the case of an emergency, you can contact the insurer’s team of medical, insurance and travel specialists to help you 24 hours a day, seven days a week.
Claims for medical expenses
If you suffer an injury or illness overseas that causes you to be admitted as an inpatient to hospital or that you think will result in medical expenses exceeding $2,000, you must notify Go Insurance as soon as possible. This will need to be done before any arrangements can be made for your repatriation.
Evidence you may require
Notice must also be given to the insurer as soon as possible for all other claims, and you’ll need to complete a claim form and submit it to Go Insurance along with any relevant supporting documentation. You’ll need to provide as much detail about your claim as possible when filling out the claim form, while additional documentation you may need to provide includes police reports, property irregularity reports, repair quotes, proof of ownership or proof of expenses.
If you’re claiming your overseas medical expenses, you’ll need to provide a report from the attending medical practitioner as well as receipts for costs incurred.
Who is Go Insurance Backed By?
A registered trading name of Go Unlimited Pty Ltd, Go Insurance was formed by a group of company directors with a total of more than 50 years experience in the travel insurance industry. Its travel insurance is underwritten by certain underwriters at Lloyd’s, one of the largest and most trusted names in the insurance industry.
Heading cruising and interested in the Go Insurance Cruise Option?
If your getting set for your next cruise trip, you can receive a quote for the Go Insurance cruise option by following the secure link in the table above through to the Go Insurance website. You will need to let Go Insurance know of any pre-existing medical conditions you have prior to purchasing cover. A Go Insurance consultant can answer any questions you may have regarding your policy.