NCL Insurance: The Ultimate Guide

When it comes to travel insurance, NCL Insurance is a name that often comes up. NCL Insurance offers various travel insurance plans for passengers sailing with Norwegian Cruise Line, also known as NCL. In this guide, we’ll discuss everything you need to know about NCL Insurance, its coverage, and how to purchase it.

What is NCL Insurance?

NCL Insurance is an optional travel insurance offered by Norwegian Cruise Line. It provides coverage to passengers for various unforeseen events that may occur before or during their trip, such as trip cancellation, trip interruption, medical expenses, emergency evacuation, and more. NCL Insurance is designed to give peace of mind to passengers whether they are traveling domestically or internationally.

It’s important to note that NCL Insurance is not the same as the cruise line’s own insurance program. The cruise line’s insurance program is mandatory for some guests and optional for others. NCL Insurance is a separate product offered by a third-party insurance provider, Aon Affinity, and can be purchased by any NCL passenger.

What Does NCL Insurance Cover?

NCL Insurance offers coverage for the following events:

Event
Description
Trip Cancellation
Covers non-refundable payments or deposits made for the trip if it is cancelled due to a covered reason such as illness, injury, or death of the passenger or their family member.
Trip Interruption
Covers the cost of transportation, lodging, and other expenses if the trip is interrupted due to a covered reason such as illness, injury, or death of the passenger or their family member.
Emergency Medical and Dental Expenses
Covers medical and dental expenses incurred during the trip due to injury or illness.
Emergency Medical Evacuation and Repatriation of Remains
Covers the cost of medical evacuation and repatriation of remains in case of a medical emergency or death during the trip.
Travel Delay
Covers additional transportation, lodging, and meal expenses incurred due to a covered delay of the trip.
Baggage and Personal Effects
Covers loss, theft, or damage to baggage and personal effects during the trip.
Baggage Delay
Covers additional expenses incurred due to the delay of baggage for a specified period of time.
Accidental Death and Dismemberment
Covers accidental death or dismemberment that occurs during the trip.

How to Purchase NCL Insurance

NCL Insurance can be purchased online during the cruise booking process or by calling Norwegian Cruise Line’s reservation department. Passengers can also purchase NCL Insurance up to 24 hours prior to their scheduled departure date by calling Aon Affinity at 1-800-453-4022.

The cost of NCL Insurance varies based on the length and cost of the trip, as well as the age of the passengers. The insurance premium is calculated as a percentage of the total trip cost, and ranges from 5% to 10% of the trip cost.

FAQs

1. Is NCL Insurance worth it?

Whether or not NCL Insurance is worth it depends on individual circumstances. If you have non-refundable deposits or payments and are concerned about the possibility of trip cancellation or interruption, then NCL Insurance may be worth it for you. It’s important to carefully review the policy details and coverage before purchasing and to consider if the premium cost is worth the potential benefits.

2. Can I cancel NCL Insurance?

Yes, NCL Insurance can be cancelled prior to the scheduled departure date. The cancellation policy and refund amount vary based on the policy terms and conditions.

3. Does NCL Insurance cover COVID-19?

The NCL Insurance policy may cover certain COVID-19 related events, such as trip cancellation or interruption due to illness, but the specifics may vary based on the policy terms and conditions. It’s important to review the policy details and contact the insurance provider directly for more information.

4. Does NCL have its own insurance program?

Yes, Norwegian Cruise Line offers its own insurance program called Vacation Protection that provides coverage for trip cancellation, trip interruption, medical expenses, emergency evacuation, and more. The coverage and premiums vary based on the plan chosen and the trip details.

5. What is the difference between NCL Insurance and Vacation Protection?

The main difference between NCL Insurance and Vacation Protection is that NCL Insurance is a separate product offered by a third-party insurance provider, while Vacation Protection is offered by Norwegian Cruise Line. Vacation Protection may be mandatory for certain guests and optional for others. The coverage and premiums of both products may differ, so it’s important to carefully review the policy details and compare the options before purchasing.

Conclusion

NCL Insurance offers peace of mind to Norwegian Cruise Line passengers by providing coverage for various unforeseen events that may occur before or during their trip. This guide has discussed the coverage offered by NCL Insurance, how to purchase it, and some frequently asked questions. Before purchasing any travel insurance, it’s important to carefully review the policy details and consider if the premium cost is worth the potential benefits.