Can I have normal travel insurance and a separate cruise insurance?

NewLibra

I have family travel insurance for a year (2 adults, 2 children) but am going on a cruise for a week by myself. To add cruise insurance to my current travel insurance is £££ cos they can only add it for the whole year for all of us, whilst I can get separate cruise insurance for myself for a week for less than £20. Am I able to hold two different insurances at once?

TIA.

400ixl

Yes, you can. Complexity can come where one of the insurers believes the other is equally liable and then you have to deal with both.

NoodleDoodleMan

Does your family policy not cover cruises ?

If it does, no reason why you can't travel solo AFAIK.

Check with your provider, they are the ultimate source of advice.

eskbanker

NoodleDoodleMan said:

Does your family policy not cover cruises ?

If it does, no reason why you can't travel solo AFAIK.

Check with your provider, they are the ultimate source of advice.

Pretty sure we've been over this before, but there's a difference between the type of cover offered by a generic travel insurance policy (which will insure against some risks that can occur on cruises just like other locations), and the cruise-specific cover available via add-ons, and it's the latter that's typically referred to as 'cruise insurance':

Planning a cruise? You're likely to need an add-on to your policy to be fully covered

Most regular travel policies will only cover you for loss or theft of goods and medical costs while you're on a cruise. You may NOT be covered for other eventualities unless you upgrade your policy. These include:

• Missed departure
• Unused cruise excursions, for instance, a day trip to a city port
• Cruise itinerary change
• Cabin confinement, for example, onboard virus

https://www.moneysavingexpert.com/insurance/cheap-travel-insurance/#accordion-content-0517185084-8

katejo

eskbanker said:

NoodleDoodleMan said:

Does your family policy not cover cruises ?

If it does, no reason why you can't travel solo AFAIK.

Check with your provider, they are the ultimate source of advice.

Pretty sure we've been over this before, but there's a difference between the type of cover offered by a generic travel insurance policy (which will insure against some risks that can occur on cruises just like other locations), and the cruise-specific cover available via add-ons, and it's the latter that's typically referred to as 'cruise insurance':

Planning a cruise? You're likely to need an add-on to your policy to be fully covered

Most regular travel policies will only cover you for loss or theft of goods and medical costs while you're on a cruise. You may NOT be covered for other eventualities unless you upgrade your policy. These include:

• Missed departure
• Unused cruise excursions, for instance, a day trip to a city port
• Cruise itinerary change
• Cabin confinement, for example, onboard virus

https://www.moneysavingexpert.com/insurance/cheap-travel-insurance/#accordion-content-0517185084-8

It doesn't appear to be possible to buy a cruise top up just for 1 trip. I have an annual European policy and, if I chose a cruise, I would only want the top up for that 1 trip not the remainder of the year.

daveyjp

You can hold as many insurances as you want, you would only claim from one.

As you don't want to pay for an annual upgrade simply buy a one off policy for yourself for the cruise trip.

katejo

daveyjp said:

You can hold as many insurances as you want, you would only claim from one.

As you don't want to pay for an annual upgrade simply buy a one off policy for yourself for the cruise trip.

That wastes what I have already paid for the annual policy (since I don't have more trips booked on that one). Consequently I am unlikely to book a river cruise until next year when my current annual will have expired. 

JGB1955

katejo said:

daveyjp said:

You can hold as many insurances as you want, you would only claim from one.

As you don't want to pay for an annual upgrade simply buy a one off policy for yourself for the cruise trip.

That wastes what I have already paid for the annual policy (since I don't have more trips booked on that one). Consequently I am unlikely to book a river cruise until next year when my current annual will have expired. 

How much is the upgrade?  I'm paying a top-up of £40 on our annual policy - that will cover a 3 week cruise to the Far East.  Good value for money in my opinion.

inspectorperez

Please correct me if I'm wrong, but I was always under the impression that "cruise" insurance related to ships sailing on the open seas and calling into ports. By definition this would not include river cruises which would presumably be covered under any standard travel insurance policy?

Neil49

katejo said:

daveyjp said:

You can hold as many insurances as you want, you would only claim from one.

As you don't want to pay for an annual upgrade simply buy a one off policy for yourself for the cruise trip.

That wastes what I have already paid for the annual policy (since I don't have more trips booked on that one). Consequently I am unlikely to book a river cruise until next year when my current annual will have expired. 

Your existing insurance will cover a river cruise. Just go ahead and book it. 

400ixl

daveyjp said:

You can hold as many insurances as you want, you would only claim from one.

No, you have to claim off all that cover the insured claim, they are all equally liable.