What Happens if You Get Injured on a Cruise?

Even when you’ve taken all the steps you can to prepare, like reading our “Cruise Ship Safety: What You Need to Know” article, you can’t plan for every unexpected event. The idea of getting injured on a cruise might be a bit more stressful simply because you’re less familiar with what to do and how to handle an injury on ship. We’ve pulled together some of the most common injuries that occur onboard and what you can do in those situations.

Five of the most common cruise ship injuries 

We hope your vacation is smooth sailing, but if you or your traveling companions experience one of these medical situations, let us help you get back on track.

Slips, Trips and Falls

Unsurprisingly, the most common injuries onboard a cruise ship are slips, trips and falls. Combine potentially slick pool decks, ocean spray and unfamiliar surroundings, it’s no wonder that approximately 45%1 of all injuries onboard cruise ships fall into this category. You can do a lot towards preventing a slip, trip or fall by holding on to railings where available, wearing non-slip shoes throughout the ship and drinking in moderation.

What to Do: First and foremost, head to the ship’s medical center to get any care needed. Whether you need compression bandages, ice packs or even a wheelchair, the medical center will get what you need. Be sure and report the incident to the medical staff and include details about how and where your injury occurred. This will help staff know if something on the cruise ship needs to be fixed or caution signs put out.

Food Poisoning

The risk of food poisoning on a cruise ship tends to be higher. It takes a large cooking staff to prep, prepare and cook the quantities of food available on cruise ships. On larger cruises, there could be upwards of 300 staff members involved in cooking. While all cooking staff are trained on safe food management and handling, that many food handlers can, unfortunately, lead to instances of food poisoning. Food poisoning onboard can be caused by things like contaminated food or water or improper food handling.

What to Do: Recognize the symptoms of food poisoning such as nausea, vomiting and diarrhea and notify cruise staff as soon as you can. Reporting the incident quickly can help the cruise ship staff to mitigate the safety issue and prevent others from getting food poisoning as well. If your symptoms are severe, visit the ship’s medical center for medical attention. Drink plenty of water and avoid alcohol and caffeine.

Excursion Accidents

One of the best parts of cruising is the ability to visit multiple locations in one trip. On port days, cruise coordinators will offer the opportunity to sign up for shore excursions, which can range from hiking, culinary tours and exploring museums to zip lining, snorkeling and jet skiing. Because of the wide range of excursions, accidents from minor scratches to broken bones or even back or head injuries can occur. Whatever excursion you plan to do, make sure you follow all safety guidelines throughout the activity. Ask questions if any safety information is unclear and listen to your gut when it comes to participating in something.

What to Do: For less severe injuries, report your injury to the staff running the excursion. Most likely they have processes in place for addressing medical care – whether that’s medical staff they have or transporting you to a local clinic. Be sure and inform your cruise ship shore excursion staff so they can help to make sure you get back to the cruise ship on time. Be sure and report the incident with your cruise ship even if you reported it with the tour company.

For more severe injuries, the most important thing to do first is seek medical attention. Tour guide staff should call an ambulance and have you transported to a medical facility to be cared for. In these situations, when it’s hard to know your next step, Travel Guard can help. We have a specially trained emergency medical team who can help coordinate getting you to appropriate medical care, notifying necessary people, monitoring care, and even making travel arrangements back home or to catch up with your cruise ship. Travel Guard also has medical personnel on staff (nurses, EMTs and doctors) who monitor cases and speak directly with local medical staff to ensure our customers are receiving appropriate medical care.

Heat Injuries

Heat injuries occur when your body can’t regulate its temperature and can include things like sunburn, dehydration, heat rash and heat exhaustion. When you’re on a cruise ship, the warm and sunny decks can become dangerous without the right protection. When your body loses too much water through sweating, you can become dehydrated or even experience heat exhaustion, so it’s important to stay hydrated when you’re enjoying the hot weather. Protect your skin from sunburn with high SPF sunscreen and reapply as recommended. Not only does sunburn damage your skin, but the pain can make the rest of your vacation hard to enjoy.

What to Do: If you experience a heat injury it’s important to drink plenty of water or electrolyte drinks to replenish the fluids your body has lost. Even with a sunburn, drinking water is important since sunburns draw fluid to the skin’s surface which can cause dehydration. Take time out of the sun to let your body temperature regulate and cool down. If your symptoms are severe or don’t start to improve, go to the medical center onboard your cruise ship.

Water Safety Injuries

It’s hard to avoid swimming and water activities when you’re onboard a cruise ship - and who would want to! With large pools onboard and beautiful beaches in port, a lot of time is spent in and around water. Because of this, water safety injuries like earaches, scrapes and bruises or respiratory issues can happen onboard a cruise ship. Lower your risk of injury by supervising children when they are in the water, learn basic water safety skills, avoid overconsuming alcohol and, as always, follow any posted safety guidelines.

What to Do: For minor water safety injuries like scrapes and bruises, you can visit the cruise ship’s medical center for over-the-counter supplies like bandages and antibiotic ointment. Medical staff onboard can also prescribe things like antibiotic ear drops or pain relief medicine if necessary. For severe injuries that occur in and around water, first safely remove yourself or the injured individual from the water. Once safely out of the water alert cruise ship staff of the medical situation so they can call medical staff to the area. Try not to move, especially if you’re unsure of your injury. In the event of a near-drowning, begin CPR until medical staff arrive.

What to do if you get injured on a cruise

Experiencing an injury can feel scarier when you’re out on the water. There’s a lot to remember and many people are unfamiliar with procedures for injuries onboard a cruise. We’ve gone over specific injuries above and what to do, but here is an easy step-by-step breakdown of what you should do if you are injured on a cruise ship:

Seek Medical Treatment

First and foremost, get the medical treatment you need for your injury. Medical centers on board cruise ships are usually located on lower deck away from crowded areas.

Notify Ship Officials

Report your injury to cruise ship officials who will create an official incident report, which can be important for any medical or travel insurance claims you may file in the future.

Follow Medical Advice

The idea of taking it easy might be a challenge onboard a cruise ship that has so many fun and exciting activities, but it’s important to follow the direction of the medical staff so your injury heals quickly and correctly.

Do cruise ships have medical facilities onboard?

Yes! Cruise ships have medical facilities and see both passenger and crew members. Medical staff is available 24-hours a day to provide treatment. Medical centers and staff onboard cruises are typically equipped to handle routine medical conditions and to stabilize more serious conditions until the patient can be transferred to a hospital. Larger cruise ships will usually have exam rooms, lab testing, EKG capabilities, a pharmacy, an X-ray machine and more. While this area of the ship isn’t always seen, it’s crucial to the smooth operation of every cruise ship.

What if you need to cancel your cruise because of your injury?

If you get injured and need to cut your cruise vacation short, there are a few steps to take to help get home safely. First, you’ll want to contact guest services as soon as possible so they can help coordinate your departure off the ship. Be sure to get copies of all documents related to your injury, including medical reports and invoices in case you need to file a travel insurance claim later.

Once your cruise ship is in port, you will need to arrange a flight back home. In this situation, having a travel insurance plan with Travel Guard doesn’t just mean having coverage for certain medical expenses, but our specially trained representatives can also help book your arrangements to get back home, so you don’t have to. Our team can book your travel according to medical necessity based on doctors’ instruction – this could mean anything from an upgraded seat for more room to traveling with a medical escort to get you home. And Travel Guard can arrange it.

Can you file a claim with your travel insurance plan if you get injured on a cruise?

Yes, you can file a claim for an injury that occurs while on your cruise if you have a travel insurance plan. Details of your injury and how it occurred will help the claims processor determine your eligibility to receive reimbursement for medical expenses. While most travel insurance plans offer comprehensive coverage, there may be some exclusions for coverage of injuries. Some of those exclusions can be overridden by purchasing specific add-on coverages. For example, Adventure and Extreme Activities aren’t covered on the base plan, but with our Adventure Sports Bundle, coverage related to those activities can be included. Pre-existing medical conditions are another common exclusion that people have concerns about but purchasing your travel insurance early (within 15 days of your initial trip deposit date) qualifies you for Travel Guard’s Pre-Existing Conditions Exclusion Waiver – so you have one less thing to worry about.

Hear from cruise goers like you:

"My husband and I were on a cruise in Alaska. Suddenly, a while into our trip, my retina detached from my eye. The ship’s doctor called Travel Guard who made all my arrangements to get me the care I needed. A great Travel Guard representative kept in touch with me and made sure that we saw the physicians that could help me and saw to it that we made all of our connections to get home. We were driven to each airport, met, and driven home, to our front door. The Retinologist in Seattle even called my Retinologist in Florida. Travel Guard reimbursed us for our interrupted trip and other covered expenses that we incurred. We are cruising again with Travel Guard."

– Virginia B.

When you’re ready to go cruising, we’re here to help you plan.

Sources:

1: https://www.maritimeinjuryguide.org/cruise-ship-injuries

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