Many older holidaymakers taking a long round-the-world cruise struggle to find adequate insurance at an affordable price.
Insurers argue you are more likely to claim if older, and cancellation cover will often be inadequate given the high cost of booking long distance cruises.
The first three months of 2009 will witness a mass exodus of cruise ships from the Channel ports as thousands turn their backs on the cold British winter for three months or more. Cruising is currently breaking all records. The Passenger Shipping Association says 1.34 million Britons took an ocean cruise last year, with the number predicted to increase to two million by 2012.
An insurance policy for a long-term cruise is very different from the policy for to cover a two-week package holiday.
With cruise holidays, and extended stay cruises especially, few annual policies cover both older travellers and trips of three months or more.
One option is to accept the cover offered by the cruise line. The levels of cancellation cover are absolutely vital on a holiday of this type, and may not be easily available elsewhere. But they are not cheap.
BestCruiseDeal.co.uk is a new website set up by Paul Frost, who began his own consultancy offering specialist cruise products in 2005. He is working with his father's brokerage Chris Frost Insurance Services of Maidenhead, and specialist insurer Tokio Marine, to offer insurance relevant to the cruise market.
Within weeks he will have the cruise insurance side of his new website up and running with a specialist cruise policy on offer. "Among many unique features, our policy will offer a cancellation limit of up to £10,000, medical expenses cover up to £10m and no charges for medical screening for clients over 70, which is a big bonus considering the average age of passengers," he says.