With holidaymakers increasingly on the lookout for new and exotic locations, cruises are no longer solely the domain of the wealthy. With destinations around Europe as well as countries further afield there is wide choice to select from and specialised cruise travel insurance is now widely available to cover any mishaps. For more senior travellers, over 65 travel insurance is also easily adaptable to cover cruises and related excursions.

However, after booking a holiday on the open seas, many potential passengers feel apprehensive about the things that could go wrong and have concerns over possible dangers they may face.

Statistically, cruising is the travel industry's safest mode of transport and with stringent regulations, every eventuality is planned for. However, one misconception is that the ship is like a mini England with all emergency facilities provided for free; sadly this is not the case. Whether a 20 year old off on a first adventure or those aged over 65 travel insurance is vital to ensure full cover is provided in the event of any problems. The ship will provide a medical crew plus a doctor and will be adequately equipped to deal with emergency health issues, although some ships may have additional facilities.

It goes without saying that passengers must have a valid passport in order to travel but prior to the trip, it may also be necessary to obtain visas for countries en route, even if there are no plans to leave the ship. In some circumstances the ship can arrange multiple visas, but it is advisable to check with your provider before travelling. Failure to hold the required permits could lead to a passenger not being allowed to continue with the trip, something most cruise travel insurance policies will not cover.