Are passengers covered by their own individual insurance when onboard a cruise ship?

The answer to whether passengers on a cruise ship in California are covered by their own individual insurance depends on the insurance policy the passenger has taken out. Generally, each passenger’s individual insurance covers those onboard in case of illness or injury, but it does not provide coverage for damage to personal items, as this is usually covered by the cruise line. In the event of a cruise ship accident, both the cruise line and the passenger’s individual insurance may come into play. Individual insurance policies usually cover medical costs, lost luggage, displaced accommodations, and costs associated with flight delays due to an accident. In some cases, they may also cover legal costs associated with the accident. However, the policy may not cover medical costs related to accidents occurring onboard the cruise ship, as those will typically fall under the cruise line’s liability insurance. If a passenger has been injured onboard a cruise ship in California and is filing a lawsuit against the cruise line, then the individual’s insurance policy may be able to provide coverage for legal costs related to the lawsuit. However, this coverage is limited and the individual’s insurance provider may require them to pay a deductible before any coverage is provided. In summary, passengers on cruise ships in California are typically covered by their individual insurance policies in case of illness or injury, but any damages to personal items or costs associated with a cruise ship accident are generally not covered. In the event of a lawsuit, individual insurance policies may be able to provide coverage for legal costs associated with the lawsuit.

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Are passengers covered by their own individual insurance when onboard a cruise ship?

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