ST. PETERSBURG, FL — Cruise vacation clients look to travel insurance to protect themselves, however they may not realize that participating in certain activities – like rock-climbing and surfing –while onboard the ship can lead to a claim denial, says travel insurance comparison site Squaremouth.

Rock climbing and surfing are commonly excluded, notes Squaremouth.com. “Now cruise lines are offering onboard simulators of these and other activities. So while, in the past, the only worry while on a cruise was overeating or getting a sunburn, there are now a few other things travellers need to consider.”

ONBOARD ADVENTURE SIMULATORS

Activity simulators are often a safer alternative but there is still a degree of danger involved, and for this reason, a claim may be denied if the traveler gets hurt while on an onboard activity simulator. Passengers are advised to check the activities their cruise ship offers before they choose their travel insurance policy. “If there is an activity you know you will want to participate in, look at the policy’s detail to see if it is an excluded activity. If it is, consider the upgraded Hazardous Sports coverage.”

ROCK CLIMBING WALL

Some policies exclude rock climbing and may deny a claim if a traveler has a medical emergency while on a rock climbing wall.

ZIP LINING

Some policies exclude zip lining and may deny a claim if a traveller has a medical emergency while zip lining onboard a cruise.

SURFING SIMULATOR

Some policies exclude surfing and may deny a claim if a traveler has a medical emergency while on a surfing simulator.

INTOXICATION

Travel insurance will never cover a traveller if there’s proof that they were intoxicated, no matter what they were doing when they got hurt or became ill. “If a traveller is treated for an injury or illness and their medical documentation indicates that they were drinking past the legal limit, the claim will be denied.”