Travel Insurance: Just about everyone asks themselves do i really need travel insurance? The next question is what kind of cruise insurance will i be needing. There are two kinds of travel insurance, primary and secondary. Primary insurance covers you for the cost of all your claims while secondary only covers you after your own private have paid some of the costs.
With a primary Cruise Insurance policy you are paid outright either for your loss or accident or both. With secondary cruise insurance policy the first thing that happens is your bills are first paid for either by your homeowners insurance for a loss or your medical insurance after an accident. If you were unfortunate enough to have both an accident and a loss then it would be from both insurance policies. Once this has been all sorted out you then need to send your receipts to your cruise insurance company who will then pay any out of pocket expenses. There is a whole lot of paper work that needs to be taken care of to make sure you receive what you are entitled to.
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