cruise insurance 101

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Smooth Sailing Ahead: Your Guide to Cruise Travel Insurance [2023]

Jessica Merritt

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Best Cruise Travel Insurance for Seniors: Seven Corners

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Taking a cruise is one of the easiest ways to travel, but cruising isn’t immune to unexpected hiccups. Sudden illness, travel delays, or other unforeseen events could cancel or interrupt your cruising plans — you might even need medical coverage. 

With cruise insurance, you’re covered for unexpected issues that can interfere with your travel plans . Read on to learn what cruise insurance is, how to get it, and how to find the best cruise insurance policies, whether you’re buying directly from the cruise line or a third-party insurance company.

The 5 Best Cruise Travel Insurance Policies

The right cruise insurance policy offers the coverage you need at a good price, but policies aren’t one-size-fits-all. We’ve run quotes for various coverage scenarios — from seniors to adventure tours — to find the best cruise insurance policies . 

Consider these travel insurance policies for your next cruise:

Seniors cruising the world can get comprehensive coverage from Seven Corners Travel Insurance . We were quoted $89 for a 70-year-old cruising Mexico . The Seven Corners Trip Protection Basic policy offers trip cancellation and interruption, medical coverage, and medical evacuation, along with COVID-19 cancellation and medical coverage.

Comprehensive travel insurance, regardless of your age, is widely available and relatively affordable. Check out our complete guide to travel insurance for seniors .

If you’re concerned about COVID-19 derailing your cruise travel plans, getting cruise travel insurance with COVID-19 coverage is essential. The battleface Discovery Plan covers COVID-19 cancellation and medical expenses, along with regular trip cancellation, medical evacuation, and medical emergency coverage. We were quoted $36.54 for a 35-year-old cruising Italy on this plan.

Young travelers often have the lowest-priced travel insurance policies. We got a quote for just $30.27 from Aegis for a 22-year-old cruising the Bahamas . The Aegis Go Ready Choice policy covers COVID-19 medical and cancellation, trip cancellation and interruption, medical evacuation, and medical expenses.

Are you planning adventurous excursions on your cruise? IMG’s iTravelInsured Travel Lite , with options for winter, adventure, and extreme sports, can give you the coverage you need. We were quoted $58.87 for a 40-year-old traveler cruising to Costa Rica with plans to zipline . It covers trip cancellation and interruption, medical expenses, medical evacuation, and adventure sports with some exclusions, such as diving and adventure races.

Your travel insurance might not cover everything you want to do — particularly if you plan on adventure activities. Here’s our complete guide to adventure and extreme sports travel insurance .

If you’re especially concerned you may need to cancel your cruise, Cancel for Any Reason coverage allows you to cancel your trip and receive partial reimbursement for nonrefundable trip expenses, even if you cancel for reasons not normally covered by trip cancellation coverage. We were quoted $100.50 for a 55-year-old cruising Alaska for John Hancock Insurance Agency’s Silver plan , which reimburses up to 75% of your trip cost under Cancel for Any Reason coverage. It also offers coverage for COVID-19 medical and cancellation, trip cancellation and interruption, and medical expenses and evacuation with primary coverage.

Cruise insurance is travel insurance that covers cruises . It can help you manage all the what-ifs on your cruise. What if you need to cancel your booking? What if your flight is late? What if you get sick or hurt? Travel insurance for cruises can cover you for all of these things. 

Many travel insurance policies cover cruises, but cruise insurance may be tailored to the risks of cruises, covering transportation, accommodations, and activities. Getting travel insurance for cruises can offer peace of mind if you’re concerned about losing nonrefundable trip payments, travel delays, or covering emergency medical care.

Cruise bookings can be unforgiving, and cruise insurance can help you minimize your risk of losing the money you’ve paid for your trip. Travel insurance coverage is often a good idea if you’re concerned about losing nonrefundable prepaid travel expenses or covering emergency medical expenses . 

Because cruises are often less flexible than other types of travel, it’s generally a good idea to get cruise travel insurance. For example, you might be able to rebook a flight or hotel room, but if you cancel your cruise, you could lose your deposit or more. Often, cruise lines won’t offer any refunds if you cancel within a certain period before your cruise, such as 14 or 30 days .

Additionally, you shouldn’t expect your U.S.-based health insurance plan to cover you on your cruise, especially if you’re on an international cruise. And it’s exceptionally expensive if you need to be evacuated for a medical condition.

While everyone hopes for smooth sailing, the reality is a lot of unexpected issues could pop up on your cruise. Your flight to the cruise port could be delayed, you might get sick or injured on your cruise, or you might have to cancel the whole thing if illness or obligations prevent you from going on your cruise. A hurricane could interfere with cruising in storm hotspots such as the Caribbean and Gulf of Mexico. 

Cruise insurance can offer financial support for many unexpected problems you might experience with a cruise. And with a 24-hour travel assistance hotline , you can get knowledgeable help whether you need to find a local pharmacy or coordinate the replacement of lost travel documents such as your passport.

That said, you might have travel insurance coverage available with a credit card . Some credit cards offer travel insurance benefits such as trip cancellation and interruption, emergency medical treatment and evacuation, and travel delay coverage. Still, you should check the details of your credit card’s coverage to ensure it’s enough for your needs. 

Looking for a credit card with travel protections? Read our guide to the best credit cards for travel insurance coverage and protection.

Generally, expect cruise insurance to cost between 5% to 10% of the total cost of your cruise . For a $3,000 cruise, you’ll typically pay between $150 to $300 for comprehensive travel insurance coverage. But keep in mind several factors influence the cost of cruise insurance, including:

• Add-ons, such as CFAR 
• Coverage options 
• Cruise cost 
• Deductibles and limits 
• Destination 
• Group policies 
• Traveler age 
• Trip duration

Learn more about travel insurance costs in our guide to the average cost of travel insurance .

What Cruise Insurance Covers

Each travel insurance policy is unique, but travel insurance for cruise coverage typically includes:

• 24/7 Assistance: You can get 24/7 support for itinerary changes, rebooking, medical emergencies, and more.
• Baggage Protection: Your luggage is covered for loss, theft, or damage on your flight or during your cruise.
• Cabin Confinement: You may get reimbursement if you have to stay in your cabin during your cruise, such as a required quarantine due to COVID-19.
• Cancel for Any Reason: Usually available as an add-on, CFAR travel insurance allows you to cancel your cruise for any reason and receive a partial reimbursement of your nonrefundable travel expenses.
• Itinerary Changes: You can get covered for changes in your cruise’s itinerary, missed port calls, or extended delays beyond your control.
• Missed Connections: If you miss your cruise departure due to a flight delay or other covered reason, you can get reimbursed for your nonrefundable travel expenses.
• Medical Emergencies: Cruise insurance can cover medical treatment on the cruise and may offer coverage for medical evacuation.
• Trip Cancellation or Interruption: You can get reimbursed for your nonrefundable travel expenses if you cancel your cruise or end your trip early due to covered reasons such as illness or injury. You’re typically covered if the cruise line cancels due to mechanical issues, weather, or other unforeseen events.

Cruise-specific travel insurance may also offer reimbursement if your cruise ship is disabled. And if you want to cover shore excursions, be sure to include the cost of excursions in your total travel cost when you get quotes for cruise insurance.

While these coverage types are common among cruise insurance policies, checking the terms and conditions to confirm all coverage areas is a good idea.

There are many options for travel insurance, and you can generally choose as little or as much coverage as you’d like. You can opt for a comprehensive travel insurance policy, which may offer Cancel for Any Reason (CFAR) coverage, or you might prefer to limit your costs and choose just the coverage you need. For example, you might choose standalone trip cancellation insurance or a travel medical insurance policy but decide you don’t need coverage for missed connections or baggage.

Consider these factors as you compare the best cruise travel insurance policies:

• Cancellation Window: Understand how many days before your cruise departure you must cancel to qualify for reimbursement.
• Coverage Availability: Travel insurance policies typically offer cruise coverage, but it’s best to confirm that a policy specifically covers cruises before you purchase it. Also, consider availability for coverages that may be important to you, such as CFAR or adventure sports. 
• Customer Reviews and Reputation: You can get insight into the insurance provider and how claims and customer service work by reading customer reviews and ratings.
• Eligibility Criteria: Cruise insurance policies may have eligibility criteria such as limits on age or trip duration and preexisting conditions. For example, some travel insurance policies max out at 90 days.
• Exclusions and Limitations: Read the policy to understand what’s excluded or limited specifically to cruise-related coverage, such as reimbursements for port closures, itinerary changes, or medical incidents on the cruise.
• Policy Cost: Get multiple quotes and compare each cost and coverage value to ensure you get a good value for your cruise insurance policy.
• Purchase Timeline: You’ll usually need to purchase your cruise insurance within a certain period of booking your trip, so be sure you’re buying your policy within that timeframe.
• Reimbursement Structure: Review the cruise insurance policy to confirm how much you can be reimbursed for under qualifying circumstances, such as if you need to cancel or interrupt your trip.

You can buy cruise insurance from the cruise line when you book, or a travel agent may offer cruise insurance plans. You also have the option to purchase cruise trip insurance independently. It’s a good idea to get multiple quotes to compare your costs and coverage and get the best deal on cruise insurance.

You should buy cruise insurance when you make your first deposit so you’re immediately covered for trip cancellation. Here are some of the options and coverages if you purchase cruise insurance directly from the cruise line:

Before you purchase cruise insurance from a cruise line, compare your third-party options. You can get quotes from multiple travel insurance companies at once using a travel insurance aggregator such as Squaremouth .

Even a meticulously planned cruise can run into unforeseen disruptions — and cruise insurance can come in handy for the unexpected.

Cruise insurance covers you for sudden illnesses, travel delays, and more, offering financial protection so you’re safeguarded against uncertainties. Whether you get cruise insurance from the cruise line or third–party insurance providers, understand your coverage and how it protects your investment in cruise travel.

Frequently Asked Questions

Does my health insurance cover me on a cruise.

Some health insurance policies offer limited coverage on cruises, but coverage often depends on where you’re cruising and your planned activities. Check with your insurance provider about coverage before you depart on your cruise. Find out if supplemental cruise insurance is available if you want to use your existing health insurance coverage.

Are cruises covered under travel insurance?

Cruises are typically covered under travel insurance , so you don’t necessarily have to buy specialized cruise insurance, such as coverage from the cruise line. Travel insurance can cover trip cancellations and interruptions, medical emergencies, lost luggage, and more on your cruise trip.

Can you buy cruise insurance after booking?

You can buy cruise insurance after booking. It’s generally best to purchase cruise insurance as soon as possible after making your initial trip deposit — when you have money on the line. The sooner you purchase cruise insurance, the sooner you’re covered for trip cancellations.

Can you buy medical insurance for a cruise?

You can buy medical travel insurance to cover your medical expenses on a cruise, offering coverage such as medical emergencies, illnesses, and injuries.

How do I add travel insurance to my cruise?

You can add travel insurance to your cruise when you book with the cruise line or a travel agent. Alternatively, you can purchase travel insurance directly from travel insurance agencies.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Everything you need to know about cruise insurance

--> BY Jessica Humphries

Last updated . 19 December 2023

Before setting sail, getting the lowdown on cruise insurance is a must. Standard travel insurance might not cut it, so making sure you have the right protection is key.

If scenic ocean views and exotic ports are calling, the last thing on your mind is probably the potential pitfalls that might arise. Delays, lost luggage, unexpected illnesses – yuck. But these are just a few of the uncertainties that can turn your dream holiday into a nightmare. Finding the right insurance can be your anchor, providing you with a safety net for the challenges that can arise on the high seas. Let us help you navigate through the depths of cruise insurance, making sure you’re well prepared for a cruisey voyage.

Cruise-specific insurance matters

It’s important to recognise that not all travel insurance policies automatically cover cruising and all related activities. Reading the fine print probably won’t be the highlight of your trip planning, but it does pay off, as inclusions can vary among providers. Failure to secure the right cruise insurance may leave you exposed to risks after having wasted your money on pointless protection.

Cruise-specific insurance is essential to buy before you travel.

Do you really  need it?

We get it – you’ve already forked out your hard-earned dollars for the cruise, so the thought of shelling out more might not be music to your ears. But – like any insurance, cruise cover is, at a minimum, an investment in peace of mind.

Amidst the myriad of potential cruise disruptions, from unexpected medical emergencies to last-minute plan changes, insurance provides financial protection, sparing you from potentially hefty out-of-pocket expenses – a far less appealing scenario than not spending the money in the first place.

Even if your cruise doesn’t venture into international waters, the moment your ship bids farewell to the port, Medicare or your trusty private health insurance won’t be coming to the rescue. Cruise insurance isn’t just a fancy add-on; it’s your shield against unexpected waves of medical bills, last-minute cancellations, and other unforeseen sea shenanigans.

Common inclusions in cruise travel insurance

Cruise insurance goes beyond typical coverage to address the unique challenges of seafaring journeys. Some common inclusions are:

• Overseas and onboard hospital and medical fees.
• Medical evacuations at sea.
• Cancellation fees for pre-booked trips: Reimbursement for cancelled arrangements in unforeseen circumstances.
• Delays, missed connections, or rescheduling fees.
• Missed departures or pre-paid onshore trips.
• Coverage for lost or stolen belongings: Financial protection for your essential personal belongings.
• 24-hour emergency assistance.
• Marine rescue diversion: Assistance in redirecting the cruise for unforeseen situations.
• Legal liability: Coverage for legal responsibilities or mishaps during the cruise.

Make sure you get the cruise coverage that’s right for you. (Image: Georgy Trofimov)

What’s not covered

While most cruise insurance offers extensive coverage, it’s important to be aware of exclusions that may leave you unprotected. Some common exclusions include:

• Incidents related to terrorism or labour strikes.
• Reckless behaviour or irresponsible actions  (like losing your bag after a few too many drinks).
• Dangerous activities that are not typical for cruises.
• Government actions leading to damage or loss (such as customs confiscations).

Make sure you don’t let things get too rowdy on board. (Image: Colin Lloyd)

Things to double-check

Of course, most insurance companies offer customisable insurance options. Here are some things you may like to double-check or add to your policy:

• Activity coverage + offshore adventures.
• Disruptions and quarantine due to COVID: Australia’s rules around COVID and cruising have recently changed, so be sure to check the current regulations.
• Pre-existing medical conditions. Check out our article on travel insurance when you have a medical condition  for more information.
• Coverage for valuables.
• Travel companions/family.
• Civil unrest, war, or terrorism.

Make sure your destination is covered under your policy. (Image: David Lindahl)

Special considerations for adventure seekers

Adjusting your insurance to match your cruise plans is a must. If you’re into adventure sports, scuba diving, snorkelling, or even just having a blast on waterslides, take a moment to review and possibly amp up your policy to ensure you’re covered for all onboard and offshore activities.

Be sure to amp up your policy if you’re an adventure seeker.

Depending on your cruise itinerary and planned activities, you might need to up your coverage for specific adventure sports or activities. Think scuba diving, snorkelling, and even things like water sports and other similar activities. Ensure that both onboard and onshore activities are considered in your policy to avoid any gaps in coverage.

Water sports like snorkelling will need comprehensive coverage.

Selecting the right region

When you’re swept up in the excitement, make sure you choose the right region, so you’re adequately covered. If you’re exploring the Pacific, including New Zealand, Bali, South West Pacific, or cruising around Australia  – opt for the Pacific region. The Asia region has you covered for locations across Asia, bar Russia and Japan.

Make sure you choose the right region when you book your cruise insurance. (Image: Coco Cay in the Bahamas; Adam Gonzales)

For European adventures, encompassing Europe, Russia, and the UK, go for the Europe region. If your cruise spans across the globe, reaching destinations like Japan, the US, Canada, Africa, and the Middle East, then opt for Worldwide.

Select Europe as your region when choosing your insurance if you’re cruising to places like the breathtaking Lake Thun in Switzerland.

When to secure cruise travel insurance

Once you’ve hit the booking button on your cruise, get ready to secure your travel insurance. Doing so not only covers you during the cruise but can safeguard against deposits, alterations, or cancellations made before departure.

For more tips and advice, read our travel insurance hub  to help you navigate the ins and outs of what to do before you head overseas.

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Do You (Really) Need Cruise Travel Insurance?

Here’s everything you need to know about what kind of insurance coverage is truly worth the investment when you book a cruise..

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One way to make sure your cruise is smoother sailing? The right travel insurance.

Photo by Shutterstock

When you book a cruise either online or through a travel agent, one of the options you’ll be offered is cruise travel insurance. The question is: Do you really need cruise insurance? A lot depends on what kind of traveler you are and whether you feel you need to protect the investment you have made in your cruise vacation.

Think of cruise travel insurance as a safety net. We learned during the COVID-19 pandemic that the best-laid travel plans can change. Chances are your cruise vacation will go off without a hitch. But what if it doesn’t?

For myself, a frequent cruise traveler, peace of mind counts. My personal rule of thumb: If I am spending more than $1,000 per person for a cruise, I will buy cruise travel insurance to protect it in case the trip must be canceled—so that I can get most or all of my money back.

And I always buy international medical coverage.

Here’s what to know about buying travel insurance for a cruise and what the options are for cruise travel insurance policies.

Should you buy insurance through the cruise line?

Individual cruise lines make it easy to buy travel insurance simply by checking a box when you are completing your cruise booking, and your travel agent can also sell you the cruise line’s policy, which is administered by an outside travel insurance company.

It’s a convenient way to buy cruise travel insurance, but the prices won’t be the lowest you can find. Since they aren’t in the insurance business, cruise lines don’t typically sell policies with many options in terms of what you get. What you are buying is a one-size-fits-all bundled policy. And it may be more insurance than you need. Cruise travel insurance typically costs 4 percent to 10 percent of your total trip cost. Expect the policy from the cruise line to be on the high side of that range.

A cruise line insurance policy usually includes trip cancellation insurance, which covers common reasons for cancellation such as an unexpected weather event or illness. Included as well is trip interruption/trip delay insurance, which reimburses you if you need to start the cruise late or return home early or need emergency medical or dental care or an emergency medical evacuation; it also offers delayed and lost baggage protection and 24-hour customer support.

There will likely also be the option for a cancel for any reason (CFAR) coverage upgrade. While standard insurance will protect against unforeseen risks, once an event such as a hurricane becomes a known event or a named hurricane, it will no longer be covered by standard trip cancellation coverage—only by CFAR coverage. But CFAR coverage does not necessarily mean you will get 100 percent of your money back, so travelers need to weigh the cost benefits.

Be aware that the policy offered by the cruise line may not cover pre- or post-cruise expenses— meaning any airline, hotel, or transportation costs that you did not book through the cruise line. Additionally, with cruise line policies, if your cruise is canceled or disrupted, your “reimbursement” may be in the form of future cruise credit rather than cash. Make sure to read the fine print and weigh the convenience, price, and inclusions when considering the cruise line’s plan.

But wait—first check if you already have travel insurance

Before you buy cruise insurance—or any travel insurance for that matter—do an inventory on what is already covered under your existing insurance plans (such as through your health insurance provider) and through your credit cards . Otherwise, you may over-buy coverage.

Any lost luggage may already be covered under your homeowner’s or renter’s insurance, for instance. And if you have a premium credit card such as a Chase Sapphire Reserve® or The Platinum Card® from American Express, you will already have a large amount of coverage for things such as trip cancellation and disruption—assuming you paid for your vacation with the card.

Medical coverage is important to look into because many health insurance policies do not cover international travel. Medicare, for instance, does not. And you will want coverage for medical emergencies. As a baby boomer who travels a lot, I purchase annual plans (such as the basic AllTrips plan with Allianz , more on this below) for both medical coverage while traveling internationally and for medical transport (the latter through Medjet ) should I need to be evacuated to a hospital of my choice.

Buying cruise insurance through independent travel insurance companies

Considering all the above, you may want to shop around, looking at basic to premium cruise insurance policies based on your own needs.

There are plenty of reputable travel insurance companies that can insure your cruise, including:

• Travel Guard from AIG
• Berkshire Hathaway

You can go to the insurance companies directly or, better in my opinion, compare policies using an aggregator website such as InsureMyTrip.com , SquareMouth , or TravelInsurance.com . Regardless of whether you go directly to an insurer or search on one of the aggregator sites, you can plug in filters for the specific coverage you are looking for and omit coverage that you already have. This will save you money and get you more quickly to the exact coverage plan you need.

Do I need travel health insurance for a cruise?

Medical insurance that provides coverage when you travel is something that should definitely be considered—that became abundantly clear during the pandemic. Even with the end of the COVID public health emergency, travelers can still get sick or hurt while away, without warning. If you do fall ill or have an accident, you’ll want your medical expenses in another country and while cruising covered, especially if you need to be evacuated or require a costly hospital visit.

And with COVID-19 still circulating along with other communicable diseases, make sure to consider having contingencies not just for medical care but also to cover expenses if, for instance, you will need to isolate at a hotel for a time before you fly home.

As I mentioned, because I travel a lot internationally, I have an annual, basic AllTrips plan with Allianz that includes emergency medical/dental coverage and emergency medical transportation. I also have an annual plan through Medjet that covers evacuation for medical or security reasons.

That may sound like a lot, but again, it’s all about personal peace of mind.

Cancel for any reason (CFAR) coverage

As noted above, standard insurance will protect against unforeseen risks, but once an event such as a hurricane becomes a known event, it will no longer be covered by standard trip cancellation coverage—only by an optional cancel for any reason (CFAR) upgrade . CFAR will also cover you in case, for instance, you simply change your mind about your cruise vacation. It adds considerably to the standard policy cost—as much as 40 percent—but for some people it could be worth the upgrade.

If you are taking the whole family to the Caribbean during hurricane season , for instance, the add-on may be something that you want to consider. Personally, I don’t tend to splurge on this. Whatever coverage you choose, think of it as a safety net. In the best-case scenario, you won’t need it, but it’s good to know it’s there.

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Table of Contents

What to look for in cruise insurance

Factors we considered when picking the best cruise insurance companies, an overview of the best cruise insurance, best cruise insurance options, more resources for cruise travel insurance shoppers.

Cruising is back, but many travelers are still reluctant to board ships alongside thousands of other travelers. Cruise insurance has you covered if:

You need to be reimbursed for canceling your trip.

Your flight to the port gets delayed.

You need to pay for medical care if you get sick on board.

You need to fly home in case of an emergency.

Of course, there's much more than just this list that cruise insurance can cover.

No matter the reason you might be looking for coverage, here are some of the best cruise insurance companies available to help bring you peace of mind on your next experience at sea:

World Nomads .

Berkshire Hathaway .

Travelex Insurance Services .

Travel Guard by AIG .

When shopping for cruise insurance, make sure to look for coverage that offers the following:

Trip delay and cancellation.

Medical expenses, including emergency evacuation.

The option to cancel for any reason (including COVID-19).

Adventure activities if you’re planning certain onshore excursions.

Cruise insurance isn’t much different than traditional travel insurance. Any good travel insurance should cover cruises in addition to travel by air or car.

After our analysis, we've determined these are some of the best cruise insurance options available.

» Learn more: The best travel credit cards right now

We used the following factors to choose top insurance providers to highlight:

Specifics of coverage: Including what coverage plans include and whether they offer useful coverage and benefits for cruises specifically.

Amount of coverage: Including the maximum payouts for trip cancellation and trip interruption claims.

Cost: We compared prices to determine average costs across basic plans.

Customizability: We checked to see if policies allow users to customize options to suit their specific needs.

» Learn more: The guide to cruise travel insurance

We searched for quotes from several companies for a seven-day trip in February 2023 from the U.S. to Mexico. The traveler was 35 years old, from Georgia, and planned to spend $2,500 total on the whole trip, including airfare.

The average price of each company’s most basic coverage plan was $124. These policies didn't include optional add-ons, such as Cancel for Any Reason coverage or coverage for pre-existing medical conditions .

» Learn more: Should you insure your cruise?

Here’s a closer look at our five recommendations for cruise insurance and what makes them unique.

Allianz Global Assistance

What makes allianz global assistance a top choice for cruise insurance:.

Multiple policies are available for international and domestic travel.

Plans offer trip cancellation and interruption coverage for COVID-19.

Offers emergency medical and transportation.

For our test trip, Allianz Global Assistance’s basic plan cost $106, slightly below average.

World Nomads

What makes world nomads a top choice for cruise insurance:.

Adventure activities like mountain biking and scuba diving are covered, perfect for land-based experienced (though which sports are covered varies from plan to plan).

Offers comprehensive travel insurance plans for domestic and international travel.

Larger-than-average coverage for baggage loss and delays.

For our test trip, World Nomad’s basic plan cost $63, well below average. But the actual trip cost isn’t taken into consideration for trip cancellation and interruption coverage.

Berkshire Hathaway Travel Protection

What makes berkshire hathaway travel protection a top choice for cruise insurance:.

A wide range of comprehensive plans cover cancellation, emergency medical and transportation coverage, and emergency travel assistance.

A cruise-specific plan includes some compensation for cruise disablement and the most emergency medical and evacuation coverage of any of these plans.

There are many plans available, including plans that cover adventure activities.

A Berkshire Hathaway WaveCare cruise-specific plan was $202, quite a bit more than average, but with the most medical evacuation coverage.

Travelex Insurance Services

What makes travelex insurance services a top choice for cruise insurance:.

Three comprehensive plans are available.

Kids-included pricing is available with the Travel Select plan.

There's an option to add accidental death and dismemberment coverage to the basic plan.

The Travel Basic plan from Travelex Insurance Services cost $116 for our sample trip; just below the average for plans listed here.

Travel Guard by AIG

What makes travel guard by aig a top choice for cruise insurance:.

Cancel For Any Reason coverage is available as an optional upgrade on two plans.

A pre-existing condition waiver is also available as an add-on.

Travel Guard by AIG offers a basic Essential plan for $133, just a little higher than average, but adding coverage may raise that price.

Bookmark these resources to help you make smart money moves as you shop for cruise travel insurance.

The best travel insurance companies.

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10 credit cards that provide travel insurance .

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The 5 best cruise travel insurance plans

While smooth sailing will always be the aim, cruising today is often about expecting the unexpected. You can prepare yourself by taking out an insurance policy that can compensate you when your vacation at sea does not go as planned.

Need to cancel your trip last minute due to an accident or illness? Did your bags get delayed or lost? Do you need to exit the sailing early to take care of an emergency back home? Was there a mechanical issue with the ship that required a change of itinerary, causing you to miss your flight home?

For cruise news, reviews and tips, sign up for TPG's cruise newsletter .

All of these contingencies and more can be covered; it's just a matter of finding the best insurance policy for you. Here's how to evaluate which plan is the right choice for you, as well as five of the best cruise travel insurance plans available.

The best cruise travel insurance plan will always be a 3rd-party option

No plan will meet the needs of all cruise travelers, so there is little benefit to booking the one insurance option recommended by your cruise line during the booking process other than convenience.

You'll often find more affordable rates, comprehensive coverage and favorable terms utilizing third-party insurance companies. You'll have a wide choice of plans, so you can pick the one that works the best for your situation.

If you're wondering where the best place is to purchase third-party insurance, "No one comparison site is getting preferential deals," says Stan Sandberg, co-founder of TravelInsurance.com . "Insurance carriers' rates are the same anywhere." However, these insurance comparison sites can help you directly compare the pricing and coverage of multiple policies by a range of preferred providers.

Look for the following coverage options and compare coverage amounts to determine which third-party plan is the best cruise insurance option for your upcoming trip.

Related: Cruise travel insurance: What it covers and why you need it

Trip cancellation

You'll want to be reimbursed if an unexpected event forces you to cancel your cruise. Be sure to read the fine print of your policy, detailing which specific reasons for canceling your trip are covered and not covered.

Trip interruption and travel delays

You'll also want to be covered if issues occur after travel begins. It's important to find "a plan that offers trip interruption if something does happen during your trip, along with a plan that offers emergency medical evacuation, coverage for travel delays and missed connection benefits," adds insurance expert Meghan Walch from InsureMyTrip .

Related: What happens if you miss your cruise

COVID-19 contingencies

Walch advises all travelers booking a cruise to consider a plan that includes cancellation coverage for COVID-19. Note that you'll need more than a home test to file a claim. According to Walch, "You'll need a doctor saying that you have been diagnosed with COVID and specify that you are unable to travel."

In addition, look for coverage if you get sick and need to isolate away from home. "Some plans offer additional trip delay coverage, put in place as a result of needing additional or higher limits for instances that might include if the policyholder gets quarantined in a location," Sandberg adds.

Cancel for any reason

A cancel-for-any-reason optional upgrade offers the most flexibility. You can get a refund of up to 75% if you cancel your voyage for reasons not usually covered by travel insurance. However, it adds about 40% to your premium and can only be purchased within a limited window of time after your cruise purchase.

Related: What happens if my cruise line changes my itinerary or ship?

Lost or delayed baggage

Baggage loss insurance covers your luggage if it is lost, damaged or stolen during your trip. In the case that you make it on the cruise and your bags do not, the insurance agency can assist with locating and redirecting the bags to your next port, reimbursing you for items you may need to purchase to get you through your travels while you are without your belongings and covering your losses in the case that the bag is actually gone for good.

Note that certain high-cost items such as electronics, luxury watches and fine jewelry are not always covered by baggage loss insurance. Consider purchasing additional coverage for such items or — better yet — keep those items with you at all times.

Health coverage

Medical coverage is another consideration. "Most domestic health coverage [including Medicare] does not cover travel abroad, so it is important to look at a travel insurance policy that offers medical coverage during your trip, just in case anything happens," says Walch. "If you fall ill or are injured during the trip, it can be pretty expensive – even when going to the ship's onboard medical facility."

Related: How to avoid getting sick on a cruise

Hurricane coverage

Extreme weather and hurricanes are typically not covered if the cruise commences as scheduled, though you might be eligible for trip interruption coverage if weather cancels the cruise or cuts the itinerary short. There are also insurance plans that offer trip reimbursement if a destination on your itinerary is under a National Oceanic and Atmospheric Administration-issued hurricane alert or warning.

How much will cruise travel insurance cost?

Insurance pricing is dependent on the trip cost and the age of the insured travelers. Sandberg estimates that "travelers in their 30s or 40s can ballpark insurance coverage somewhere around 5% to 7% of the trip costs, with rates that can get lower depending on the extent of coverage."

Insurance is a tiered product that gets more expensive as you age. "As you get older, that range can expand to 10% of trip costs," notes Sandberg. "Adding bells and whistles, like 'cancel for any reason' [coverage], rates can rise to 11% to 12% of the cost of your trip."

Related: How cruising newbies waste money on their 1st cruise

5 best cruise travel insurance plans

Following extensive research scouring the fine print, we've selected five of the best cruise insurance plans that will appeal to a variety of seagoing travelers.

All five plans provide coverage for COVID-19-related trip cancellation and interruption.

For the leisure cruiser: TravelSafe Classic Plan

TravelSafe's Classic Plan is the best value all-around for the average cruiser, with superior coverage limits at a fair rate.

This plan's coverage includes an impressive $1 million per person for medical evacuation and a high $2,500 coverage limit for bag loss. You have extra time – 21 days – from your initial deposit to add a cancel-for-any-reason upgrade to your plan. The accident and sickness medical coverage is primary, with coverage up to $100,000.

The policy's $750-maximum trip delay coverage begins after a six-hour delay and includes kennel fees for up to $100 per day, along with coverage for additional meal and accommodation expenses.

For the budget conscious: AXA's Silver Plan

AXA's Silver Plan is the company's entry-level offering, with more value added than most budget insurance options — most notably the company's concierge service. Coverage under this plan includes robust trip cancellation and interruption coverage, both at 100% of the costs, along with $100,000 for emergency medical evacuation.

The plan also offers identity theft assistance in case your wallet or passport gets stolen while traveling, assisting with filing and obtaining police and credit reports, taking inventory of lost or stolen items, and even wiring emergency funds to you when you're really in a bind.

You won't have the option to purchase a cancel-for-any-reason add-on or opt in for a collision damage waiver on this lowest-tier plan.

For the luxury cruise traveler: John Hancock's Gold Plan

John Hancock's Gold Plan offers robust medical evacuation and repatriation coverage up to $1 million per person, ideal for those luxury cruises that rove to the farthest reaches of the globe. The plan has excellent baggage loss coverage at up to $2,500 per person, along with a low three-hour minimum travel delay ($1,000 per person, $200 daily limit) benefit.

Preexisting medical conditions are covered by this policy, though you must purchase your policy within 14 days of your trip deposit.

For increased medical coverage: Seven Corners' RoundTrip Choice Plan

Seven Corners' RoundTrip Choice Plan offers primary medical coverage for emergency accident and sickness medical expenses up to $500,000, while many other plans only offer secondary coverage. The plan's medical evacuation coverage is high at $1 million, and preexisting conditions are covered with a few conditions that apply, namely that you purchase the policy within 20 days of your initial trip payment.

The policy also offers detailed, robust COVID-19 coverage, including reimbursement for medical care if you contract COVID-19 while traveling. Its coverage also includes meals, local transportation and lodging if you're delayed six or more consecutive hours due to quarantining with COVID-19.

Coverage options on the plan may vary slightly depending on which U.S. state you claim as your residence.

For the adventurous cruiser: World Nomads' Explorer Plan

World Nomads is one of the few insurance companies that will cover more than 200 adventure activities on your travels, including scuba diving, skydiving and bungee jumping. The coverage for the long list of activities includes emergency medical expenses while outside the U.S., medical evacuation and repatriation, along with trip interruption.

World Nomads' Explorer Plan also offers $25,000 in coverage for nonmedical emergency evacuation for covered events, such as a natural disaster or political or security situations.

Travelers 70 and older are required to add a "Silver Nomads" policy, offered through TripAssure.

Bottom line

Cruising isn't always a blissful week spent relaxing on the pool deck or snorkeling among multicolored reefs. Mishaps occur, whether it's losing luggage, missing a flight or falling ill.

The best cruise insurance policies are the ones that won't let you sail without a safety net, charging a fraction of your trip expenses in exchange for the peace of mind that there's a plan in place should something go wrong. With a range of pricing and coverage options available, you can feel confident that you can find a policy to suit your travel needs.

Planning a cruise? Start with these stories:

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• A beginners guide to picking a cruise line
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• A quick guide to the most popular cruise lines
• 21 tips and tricks that will make your cruise go smoothly
• 15 ways cruisers waste money
• The ultimate guide to choosing a cruise ship cabin

Cruise Insurance 101

Cruise Insurance 101 should cover key areas of interest for most travelers. Topics such as Medical Waiver, Look Back, Cancellation and Evacuation are just a few that we have covered. As always, if you have questions, please call us on +1(786) 751-2984 .

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A cruise vacation can take much of the stress out of planning a vacation. With a pre-set itinerary on the high seas, you don't have to worry about how you're getting to your destination and what you're going to do there. However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best cruise insurance plan that won't leave you high and dry in an emergency.

Our top picks for the best cruise insurance

• Best Overall: Nationwide Travel Insurance
• Best for affordability: AXA Assistance USA
• Best for seniors: Seven Corners Travel Insurance
• Best for expensive trips: HTH Worldwide Travel Insurance
• Best for exotic locations: World Nomads Travel Insurance

How we rate cruise insurance companies »

Best overall: Nationwide

Nationwide Travel Insurance  is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

It has three cruise insurance options: Universal, Choice, and Luxury. The Nationwide Choice plan, for example, offers $100,000 in emergency medical coverage and $500,000 in emergency medical evacuation coverage.

The right plan for you depends on your budget and coverage needs. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship.

Read our Nationwide Travel Insurance review here.

Best for affordability: AXA

AXA Assistance USA  offers three comprehensive coverage plans: Gold, Silver, and Platinum. Each of these plans offers coverage for issues like missed flights, medical emergencies, lost luggage, and more.

The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.

In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise.

The coverage limits on AXA's policies are on the higher end compared to other providers. And you can buy coverage for a little as 4% of your trip cost depending on your age, travel destination, and state of residence.

Read our AXA Travel Insurance review here.

Best for seniors: Seven Corners

Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. While other providers do offer coverage to those 80+ years old, Seven Corners is known for its affordable premiums while offering above-average medical expenses and medical evacuation coverage limits — two areas of travel insurance coverage that are even more important as we get older.

Seven Corners also offers the option of a preexisting conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

You can choose between the Trip Protection Basic or Trip Protection Choice plans, with the higher-tier Choice plan costing more but providing more coverage.

Read our Seven Corners Travel Insurance review here. 

Best for expensive trips: HTH Worldwide

HTH Worldwide Travel Insurance  offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The higher the tier, the more coverage you'll get for things like baggage delays, trip delays & cancellations, and medical expenses. But their premiums remain reasonable even at the highest tier of coverage.

Not only does the HTH Worldwide Trip Protector Preferred plan offer higher-than-average medical emergency and evacuation coverage limits ($500,000 and $1 million, respectively), but you'll also get a baggage loss coverage limit of $2,000 per person and coverage for trip interruption of up to 200% of the trip cost. You also have the option to add CFAR coverage for an additional cost.

Read our HTH Worldwide Travel Insurance review here.

Best for exotic locations: World Nomads

World Nomads Travel Insurance  has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too.

Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. And you'll get higher coverage limits with their Premium Plan. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues.

What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise.

Read our World Nomads Travel Insurance review here.

Introduction to Cruise Insurance

Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical. The best travel insurance plans will provide flexibility to add coverage options to fit your travels needs.

Understanding the Basics of Cruise Insurance

At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage. Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference.

Why Cruise Insurance is Important

Picture this: You're all set for your dream cruise, but a sudden family emergency means you can't set sail. Or worse, you fall ill in the middle of the ocean. Without cruise insurance, you're not just missing out on an adventure, but also facing potentially huge financial losses. That's why securing cruise insurance isn't just recommended; it's a crucial part of your cruise planning.

Types of Cruise Insurance Coverage

Cruise insurance isn't a one-size-fits-all life jacket. There are various types of coverage, each tailored to protect different aspects of your cruise experience.

Trip Cancellation and Interruption Coverage

This coverage is like your safety net, catching you financially if you need to cancel your trip last minute or cut it short due to emergencies, be it due to personal, health-related, or even certain work conflicts.

Medical Coverage

Being on a cruise shouldn't mean being adrift from medical care. Medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances.

Emergency Evacuation Coverage

In the rare case that you need to be evacuated from the ship due to a medical emergency or severe weather, this coverage ensures you're not left adrift in a sea of expenses.

Baggage and Personal Effects Coverage

Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience.

Buying Cruise Insurance

Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs. 

When to Purchase Cruise Insurance

Timing is everything. Purchasing your insurance soon after booking your cruise can often provide additional benefits and ensure you're covered for any early surprises. As you get closer to your trip your coverage options may get more expensive, and certain providers may not be able to offer you coverage.

How to Find the Best Deals on Cruise Insurance

Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like SquareMouth is a good place to compare multiple quotes from all of the major carriers at once.

How we reviewed cruise insurance plans

When comparing cruise travel insurance providers, we evaluated them based on the following criteria to come up with our list of top picks:

Customer Satisfaction

We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction. We also look at customer review sites like Trustpilot and SquareMouth.

Policy Types

We look at policy types and offerings, from standard travel protections to adventure sports coverage. We look at the amount of insurance offered

Average Premiums

We compare average premiums per trip. Some companies also offer annual plans, and we compare policies accordingly.

Claims Paid

How frequently do companies pay claims easily and quickly? We check customer reviews and other resources to see which companies honor policies most effectively.

We look at the company's overall behavior. Is it operating ethically? Companies can earn additional points for such behaviors.

You can read more about how Business Insider rates insurance here.

How much does insurance cost for a cruise?

As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage. The price will vary depending on factors like your age, your travel destination, and whether you require additional coverage.

When is the best time to buy cruise insurance?

If you're booking a cruise, we recommend purchasing travel insurance when you make your first trip payment. That could be for the cruise itself or an expense like airfare to get you to your cruising destination. This way, if you have to cancel your trip, you'll have the most extended coverage period possible.

Can I buy my own cruise insurance?

You can buy your own cruise insurance that isn't offered directly through the cruise line operator. In fact, this could be a better option if you want coverage for your travel to the cruise's departure point, not just for the cruise itself.

What is the difference between travel insurance and cruise insurance?

The difference between traditional travel insurance and cruise insurance is that cruise insurance offers more specialized coverage, for situations such as missing a departure port and more coverage for medical evacuations, since it's more expensive to evacuate someone at sea than on land. 

Can I claim for missed ports on a cruise?

Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim, and before you travel so you know what compensation you're entitled to.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

Things to Do in Lyubertsy, Russia - Lyubertsy Attractions

Things to do in lyubertsy.

• 5.0 of 5 bubbles
• 4.0 of 5 bubbles & up
• 3.0 of 5 bubbles & up
• District South-Eastern (YuVAO)
• Vykhino-Zhulebino
• Good for a Rainy Day
• Good for Kids
• Budget-friendly
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• Adventurous
• Hidden Gems
• Good for Couples
• Honeymoon spot
• Good for Adrenaline Seekers
• Things to do ranked using Tripadvisor data including reviews, ratings, photos, and popularity.

1. Sacred Troitskiy Temple

2. Planeta Enotov

3. Natashinskiy Park

4. Monument to Yuriy Gagarin

5. Lyube Monument

6. Monument to Peacekeeping Soldiers

7. Saint Innokentiy's Temple

8. Temple of Lord's Transformation

9. Monument to Mitrofanov

10. Monument to Soldiers Who Died During Local Conflicts

11. Monument to Unknown Soldier

12. Lyuberetskiy Local Lore Museum

13. monument to vlasov.

14. Monument to Military Aviators "Tri Ivana"

15. House N.A. Kruminga

16. Kind Angel of Peace Statue

17. Culture and Leisure Park

18. Kotelniki Metro Station

19. monument to the fighters of two revolutions.

20. Torpedo

21. UFO Art Object

22. shopping center grenada.

23. The Great Patriotic War Memorial

24. Lenin Statue

25. monument mig-29.

26. Sport Palace Triumf

27. provincial book fair, 28. shopping mall vykhodnoy.

29. Entertainment Center Kosmopolis

30. Cantare Karaoke Club

• Natashinskiy Park
• Lyube Monument
• Temple of Lord's Transformation
• Sacred Troitskiy Temple
• Monument to Yuriy Gagarin
• Planeta Enotov
• Culture and Leisure Park
• Entertainment Center Kosmopolis

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Moscow missile plant ablaze in apparent drone attack

Tomilinsky Electronic Plant research and production enterprise in Lyubertsy, Moscow Oblast, is reportedly ablaze after a drone attack on Sep. 1, according to our sister publication, Ukrainska Pravda .

The Tomilinsky plant is under sanctions by the Ukrainian government as it manufactures electronics for Russian missile systems.

The plant was attacked in an operation directed by Ukraine’s Main Intelligence Directorate (HUR), who believe they have achieved their aim, a well-informed source told Ukrainska Pravda.

The HUR has thus far refused to publicly confirm or deny its involvement. The agency’s spokesman, Andriy Yusov, commented that Russian state media had issued "a mountain" of lies about the attack and said that "cotton has really blossomed" at the plant in Lyubertsy on Friday.

Explosions in Russia or Russian-held territory far behind the frontlines are popularly referred to in Ukraine as “bavovna”, or “cotton” in English.

Drones tried to attack the Russian capital on Sept. 1 , said Moscow mayor Serhiy Sobyanin, adding that one drone was allegedly shot down near Lyubertsy.

We’re bringing the voice of Ukraine to the world. Support us with a one-time donation, or become a Patron !

Read the original article on The New Voice of Ukraine

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June 1, 2020

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Cruise Reopening 2021: Embarkment Plan, Safety Enhancements, Cruise Travel Insurance Updates & More

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If your trip involves multiple destinations, please enter the destination where you’ll be spending the most time. It is not required to list all destinations on your policy.

Age of Traveler

Ages: {{quote.travelers_ages}}

If you were referred by a travel agent, enter the ACCAM number provided by your agent.

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

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 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 AGA Service Company. 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 or [email protected] .

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