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Nice bit of info, well done. .... Neil.
Thank you i am currently researching insurance for a cruise in 2009 so tips like these are helpful .
Lots of insurance treat cruise hols diff. i have had to pay loads extra this time becausse under writers have changed their wording .....so please check your policy with fine tooth brush because you only use it when you need it! p s this is the same policy which covered me last year.
This has been stated many times in many answers. I have always warned people that they have to have insurance that covers cruises because you will be at sea and the cost of a rescue at sea should you need it (and I have seen this twice), as well as repatriation and onboard medical help, ends up more expensive than many land based holidays. All the brochures tell you that you MUST have comprehensive insurance or they will not accept you. Always make sure as well that you are covered for that 'Zip Line' excursion/Scuba Dive etc.
I took out annual travel insce for the whole family in late 2007, knowing that (in addition to a couple of other brief overseas trips by one or more of us) my wife and I would cruise in summer 2008, as we did. I arranged this insurance at a very reasonable price (cheaper online) with Travelplan (www.travelplandirectinsurance.com) after checking first that cruises were covered. I was assured that this was the case, although the helpful member of staff was aware that many other insurers do not cover cruises, at least on normal terms. As an insurance professional myself (but not a broker), I was very happy with the cover given, its flexibility and the price. I haven't checked the current terms and premiums but I would certainly suggest that this company is worth approaching. (I can understand the difficulties for a travel underwriter: on the one hand, a cruise ship is a self-contained and safe environment with medical facilities immediately to hand - one is at greater risk during land activities and excursions. On the other hand, the cost of onboard treatment is often extortionate! Given that one calls at a port every day or two, dealing with medical emergencies on land or arranging repatriation ought to be no more a problem than when taking a resort holiday. How often does a real emergency arise that requires someone to be airlifted (expensively) from a cruise ship at sea - very rarely I am sure.) .