Holiday insurance for Caribbean trip

[Haveasay]

I'm fulfilling a lifelong dream of holidaying in the Caribbean next year after Covid delayed the trip 3 years ago. We have booked a cruise and extended our stay in Barbados by a few days before flying back. Now we are looking for insurance and are staggered at how much this is adding to cost of holiday. Any tips? We need diving cover but otherwise nothing out of the ordinary. Thank you.

I have a 12 month worldwide policy via admiral for about £50; albeit without diving cover

I got mine through LV, family cover. It didn't have diving cover so it might be that making yours so expensive.

I imagine that holiday insurers have paid out rather a lot of holiday cancellation claims as well as for travel delays/lost luggage etc. Have you looked on moneysupermarket etc?

Is it the cruise element or the diving that's hiking up the cost?

Maybe have a look for a specialist magazine (for either) and see which insurers advertise on their website/magazine.

It might also be worth checking to see whether your bank sells it as an optional extra (I seem to remember that my bank's insurance gave me airport lounge access too).

Cruise cover is often an additional extra and can be fairly expensive. It is because it needs to be able to cover things like repatriation from a boat, missed boardings, higher risk of certain illnesses on ships, etc. plus it will be worldwide cover.

We have annual cover. My insurance is normally fairly dear due to existing health conditions for me. I've just renewed and it's £235 to cover me abd Dh for the year, though this is without the cruise element.

Diving cover will also be an added extra so with that, world wide and cruise it's definitely going to be dearer than the norm.

What kind of quotes are you receiving?

I’m sorry but you are going on an expensive holiday that bumps up the cost, you are going to the highest insurance area as you need USA & worldwide cover. You are also going on a cruise, again a high insurance holiday, and then adding on an activity that attracts a premium. Insurance is not going to be cheap.

I have health issues and ended up paying £800 for an annual policy for a cruise requiring USA and worldwide cover. Of the £800 less than £150 was for the additional health cover.