Medical Emergencies While On A Cruise Sources and Information

Medical Emergencies While On A Cruise

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MEDICAL EMERGENCIES WHILE ON A CRUISE

Although no passenger aboard a cruise ship wants to think a medical
emergency could put a damper on their vacation, it happens all the time.
Unfortunately, people on cruise ships do fall and break an arm or leg,
they do get stung by fish while on an excursion, they do have a heart
attack, and sadly, some people die. If you are planning a cruise, while
you might not have much control over the situation, you can have control
over how the situation is handled.

Medical insurance is something that more and more cruise ship
passengers are buying. Keep in mind that for Medicare policy holders,
since all cruise ships of foreign registry are deemed ìoutside of the
United Statesî by Medicare, this type of insurance will not provide
much medical protection. The bottom line is that for passengers taking
a voyage, unless they have invested in basic medical insurance
coverage, any treatment for injury or illness would need to be paid by a
major credit card or wired by family and friends. When choosing the
cruise line, find out if they are registered in the United States.

If you book your cruise through a reputable travel agent, he or she
should have some information on medical insurance coverage. If not,
then you can contact your own insurance agent to learn about various
types of coverage. In most cases, insurance companies can offer you
excellent options at rates that are very affordable. In addition, just
about every cruise line offers insurance. Before you choose one
policy, you should take time to look at all the types of coverage and
rates to see which one is best for your situation.

On rare occasion, the ship's captain will make an announcement that the
ship has stopped for an emergency evacuation. Typically, this severe
action is unlikely but the problem is that when this does occur, any
expense would be that of the passengers. Therefore, while looking at
medical insurance, also consider travelerís insurance so you do not
find yourself in a position of having to pay out literally tens of
thousands of dollars. In this circumstance, the United States Coast
Guard would pull up alongside the cruise ship and passengers affected
would be taken off the ship.

One challenge with cruise ships is that not all follow American medical
standards simply because some of the conditions seen are different
from one country to another. As an example, if a passenger on the cruise
ship were to have a serious heart attack or stroke while at sea, with
proper insurance, the passenger would be flown to an American hospital
where proper treatment can be given, opposed to a hospital in a foreign
country where the best equipment and care cannot be provided.

Many times, cruise ship passengers will simply ignore the
encouragement to purchase both medical and travel insurance,
believing they are either getting ripped off or that nothing will
happen to them. Considering that these types of insurance have become
so affordable and easy to buy, there is no reason not to buy it. Just
remember that sadly, some travel agents are trained to not tell clients
about insurance. Therefore, it is always your responsibility to ask.
Finally, while cruise lines are very helpful, when it comes to this type
of problem, they stick to the rules. That means you have to look out for
yourself when planning a cruise or any type of vacation travel.

Remember, different scenarios can arise beyond accident and illness.
For example, travel insurance would cover the cost of your cruise if you
were to lose a job prior to the cruise, have some type of major illness, a
death in the family, or if something else happens that would stop you
from taking your cruise. It is important to understand that cruse lines
simply do not waive penalties when passengers cancel without
insurance. Remember that even when the circumstances are critical for
the passenger, cruise lines and travel agents will not do anything - again,
unless there is travel insurance.

In addition, travel insurance would be beneficial if you were getting
ready to head out and for some reason beyond your control, the flight is
cancelled. Even though you might be able to take a flight and catch up to
the cruise ship, you have already missed a day or two. With the right
insurance, the money lost for those days would be reimbursed to you.

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