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Getting hurt on a cruise can lead to sky-high medical bills, missed adventures, and other expenses. This is why many chose to buy cruise ship insurance. A devastating injury happened to a passenger onboard the Viking Sun. This led to the sudden and premature end of her 120-day, $80,000 round-the-world cruise. She expected her cruise ship insurance to protect her. Yet, now, the company won’t compensate her.

About Cruise Ship Insurance

Cruise Danger

Cruise ship insurance offers protection for a voyage. Some covered occurrences are trip cancellation, trip interruption, baggage, medical, dental, emergency evacuation, 24-hour traveler assistance, and accidental death benefits. A passenger pays for the insurance before the cruise. If a covered reason cuts the trip short, the insurance company will refund the money.

Cruise Ship Insurance Skimping on Claim Money

When the female passenger purchased a $3,000 cruise ship insurance policy on her $80,000 around-the-world cruise, she thought it would protect her. So, when the ship hit rough seas that catapulted her into an elevator grate, which injured her, she wasn’t concerned.

The limited onboard medical care didn’t see any broken bones. Yet, the passenger was in horrendous pain for two weeks until she arrived in a large port. In New Zealand, doctors there diagnosed her with a broken nose and fractured pelvis. Bed rest and anti-inflammatory medications could treat a minor pelvic fracture. The passenger tried to recuperate in her cabin, but she was in too much pain. She flew home and began to file her claim.

Fighting For What Is Right

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It took four months for the insurance company to pay her medical bills. But, the passenger was more concerned about reimbursement for her cruise. Although she had paid around $80,000 for the cruise, the cruise ship insurance company she used placed a reimbursement cap of approximately $62,000 on her policy. She was aware of that limit but expected to receive the upper value. Yet, it didn’t even come close.

Nearly seven months after her return home, she received a statement in the mail with a check for around $29,000. When questioning its logic, no one at the company could explain the math for the 85 unused nights on the cruise, and the company valued the cruise only at $41,000. Yet, she paid for a claim of $62,000.

This is why it is important to have a knowledgeable complex ligation attorney as your advocate. We can contact the cruise ship insurance company for you and demand just reinbursement.

Don’t Wait to Get Help

If you, your child, or your relative suffered a cruise ship related injury, it is important to seek medical attention as soon as possible. Once you disembark, your next step should be to get experienced legal help from a knowledgeable attorney. This is also true when it comes to cruise ship insurance disputes.


At The Michael Brady Lynch Firm, our lawyers have decades of experience helping injured people get justice and full compensation for injuries caused negligence. Given that lawsuits against cruise ships are in a venue favorable to the cruise lines, it is incredibly important to have an experienced attorney with ample resources to prosecute your claim. The Michel Brady Lynch Firm regularly takes on the largest corporations in the world with a track records of proven success and results. Contact The Michael Brady Lynch Firm today, and our attorneys will review your case for free and help you protect your rights. For your complimentary consultation, call our office now.

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