Illustration of Navigating Medical Costs on a Cruise: What You Need to Know

Navigating Medical Costs on a Cruise: What You Need to Know

A projected 34.7 million individuals are expected to embark on a cruise in 2024, as per the Cruise Lines International Association (CLIA). However, without proper caution, some may face substantial medical expenses.

For those planning a cruise, it’s crucial to carefully review the fine print of the cruise line’s terms, especially regarding medical care.

In severe cases, such as Vincent Wasney’s, passengers could incur significant costs before disembarking. Wasney, who was uninsured, faced a $2,500 bill after receiving medical care on the ship following a series of seizures during a December 2022 cruise with Royal Caribbean. The cruise line’s policy mandates that all onboard costs be settled before the journey ends.

Even insured passengers might encounter hefty bills in a medical emergency, as most cruise ships don’t accept health insurance.

Here’s what you need to know about medical care on cruise ships:

Common Health Concerns on a Cruise:
Medical staff on cruise ships typically address issues similar to those found in emergency departments and urgent care centers. These include chest pain, abdominal pain, fever, injuries, and mental health issues. The U.S. Centers for Disease Control and Prevention (CDC) warns that cruise ships can facilitate the spread of person-to-person, foodborne, and waterborne diseases.

According to the CDC, approximately half of all cruise ship passengers seeking medical care are over 65 years old.

What Can Cruise Ships Handle?
All oceangoing cruises that are CLIA members must adhere to medical facility guidelines set by the American College of Emergency Physicians (ACEP). These guidelines require at least one qualified medical professional available 24/7, an examination room, an intensive care room, and equipment for lab tests, vital sign monitoring, and medication administration.

Larger cruise ships are equipped to manage emergencies for the first few hours and can handle many conditions for a few days. About 95% of conditions reported to ship medical staff are managed onboard.

Why Don’t Cruises Accept Health Insurance?
Cruise ships typically don’t accept health insurance due to the diverse international guest list and varying insurance policies for international coverage. Requiring payment onboard reduces administrative burdens. Cruise lines encourage guests to seek reimbursement from their plans upon returning home.

What to Look for in a Travel Insurance Plan?
To protect yourself, purchase a travel insurance plan that covers medical expenses. Premiums can be up to a couple of hundred dollars, but can save thousands in an emergency. Ensure your plan covers your medical conditions and the destinations you’ll visit. Adequate medical evacuation coverage is essential, as air medical evacuations can cost between $20,000 to over $100,000, depending on the location.

Preventative Actions on a Cruise:
Medical concerns do not disappear once you board a cruise. Passengers should bring extra medication, a list of prescriptions, medical issues, and doctor contact information. Frequent hand washing, staying hydrated, and knowing your physical limits are also advisable.

“Climbing the stone steps in Santorini may sound exciting but if you don’t regularly exercise in the heat, you might want to reconsider,” Scott advised.

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