A not-so-gentle reminder that travel insurance might be a good idea

Here’s a rather scary piece of video footage, a scene from cruise ship during a storm off New Zealand in 2008. Apparently, the footage from an on-board security camera has just made its way to the web.

Hat tip to Workers Comp Insider, where we found the video in a post with more information about the event. Of course, our thoughts turn to insurance. The news report says that 42 passengers were injured – looks fortunate that it wasn’t more. Plus, it’s likely that there may have been damage to some of the passengers’ possessions. Would travel insurance help in a case like this? Before you buy any insurance, it’s important to learn exactly what it will and won’t cover. For a primer, see the Insurance Information Institute’s Travel Insurance. As for the medical coverage involved in trip insurance, III suggests, “Before purchasing this type of coverage, check with your own health insurance carrier. Find out what type of coverage you have when traveling abroad and if there are any limits. Also, ask if the policy will pay to fly you home or to a country with first-rate medical care.” In a scenario involving a serious injury, medical and evacuation coverage is important.
And as for business insurance for the cruise liner – well, that’s a whole ‘nother kettle of fish!

One thought on “A not-so-gentle reminder that travel insurance might be a good idea

  1. Goes to show that all the safety engineering we do is evident in the accidents that DON’T happen.
    If that forklift is propane powered, I hope the tank is well protected! The engineers who built it never expected 40 degree ramps.
    Every cruise line should have their safety officers see this video. Seeing is believing!

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