Are cruise ship injuries covered by insurance?

The answer to the question of whether cruise ship injuries are covered by insurance depends on the circumstances of the incident and the policy of the insurance company involved. In Virginia, the state does not mandate any insurance policies for cruise ships, so it is up to the individual cruise company to decide if they will carry some form of passenger injury insurance. Typically, passengers who are injured on a cruise ship are covered by the cruise line’s insurance policy as long as the injury is the result of the cruise line’s negligence. Most cruise line policies include coverage for passengers in the event of personal injury as well as medical expenses incurred due to the injury. Additionally, the cruise line’s policy usually includes coverage for lost luggage, lost personal items, and other compensation related to the injury. However, if the passenger caused the injury themselves (e.g. slipped and fell), then the injury is not covered by the cruise line’s insurance policy and the passenger is responsible for any medical expenses and other costs associated with the injury. In some cases, the passenger’s own health insurance may cover some of the costs. Therefore, passengers should contact their insurance company as well as the cruise line to find out what kind of coverage exists for cruise ship injuries. It is important to read the policy carefully so that passengers know exactly what is covered and what is not and can make sure they are properly protected if they are injured while on a cruise.

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