What should you prepare before going on a cruise to make sure you are covered in case of an emergency? Is your EHIC going to be enough or should you get Travel Private Insurance? The European Health Insurance Card (EHIC) has been designed to provide medical treatment while you are travelling in another country of the European Economic Area (EEA) and Switzerland as if you were a resident of the country.
The European Health card offers peace of mind: you know that if you are ill or have an accident during your trip you will be covered and not face large bills. However, the EHIC is not an alternative to a private travel insurance policy. It does not cover costs like mountain rescue in a ski resort or repatriation to a UK hospital.
I am going on a sea trip: will my EHIC still cover me?
A valid private travel insurance policy is a must have before going on a sea trip.
- The EHIC does not cover the cost of treatments received aboard. Seeing a Doctor aboard will be at your own expense unless you have travel insurance.
- The EHIC will not cover the cost of treatments received ashore neither if you have spent less than 24 hours on land, which is almost always the case during a cruise as accommodation is provided on the ship.
In some cases, the EHIC is accepted ashore, but it can be stressful to have to look for a state-funded hospital if medical attention is urgently needed. In any case, private clinics do not accept the European Health card.
It seems absolutely mandatory to have a private travel insurance policy before going on a cruise. It will cover these costs and protect you in case you are ill or need medical attention.
What is Cruise Insurance?
A cruise insurance is a travel insurance policy designed for holidaymakers going on a cruise. It covers the specific activities and risks associated with going on a cruise. A standard cruise insurance will cover you if you miss the departure of your cruise ship if there is a change in the itinerary or a cancellation. A normal travel insurance policy would not cover that kind of costs. As you are likely to visit several different countries, you will need to be covered for multiple countries. You can go here to compare cruise insurances and find the best one for you.
Before going on a cruise, pack your EHIC and get good travel insurance so that you can enjoy a stress-free holiday. To apply or renew your EHIC, you can visit our application page here.