Would travel insurance cover tour excursion payment if cruise does not stop at port

[stipmom]

due to rough seas? These are tender ports in Scotland and it would be private shore excursions. Thanks

[6rugrats]

You would have to check your policy. You may want to only book private excursions that will refund your money if the ship cannot stop at the port.

[Lou33]

In general, the tour will refund your money if the ship doesn't make it to port, but check with them first. I would not buy a tour from a company that does not have this type of policy.

 

But otherwise, every insurance policy is different, and you need to check with yours.

[cruiseco]

Some insurers directly address this situation. TravelSafe and Global Alert have the following identical wording as part of the trip interruption benefit:

 

"In the event a cruise/tour supplier makes a change in Your Trip itinerary after Your Scheduled Departure Date, which prevents You from participating in an event/activity prepaid prior to departure and scheduled on Your Trip itinerary, non-refundable prepaid event/activity expenses will be payable up to $250. Benefits will not be paid if a comparable event/activity of equivalent cost is rescheduled during the course of the Trip. "

 

Note that the change in itinerary has to happen after sailing. One nice thing is that the cause of the itinerary change doesn't seem to matter -- mechanical problems, weather, it's all good.

 

For the others, start with the trip interruption coverage wording and if you can't find something that definitely says "yes" or "no" you're going to have to call them. This doesn't mean it's not covered but it does mean that it will be decided under the general wording of the trip interruption benefit with whatever exclusions that may apply.