Travel Insurance for Cruises – What You Need to Be Covered

Cruising offers an unparalleled vacation experience, whisking you away to exotic destinations and immersing you in onboard indulgences. But unexpected events, from trip cancellations to medical emergencies, can throw a wrench in your carefully planned itinerary. This is where travel insurance for cruises comes in, acting as a safety net that ensures your dream vacation doesn’t turn into a financial nightmare.

Travel Insurance for Cruises

Beyond the financial protection, cruise travel insurance offers invaluable peace of mind. Knowing you’re covered for unforeseen circumstances allows you to truly relax and savor the moment, whether it’s exploring bustling port cities, indulging in onboard entertainment, or simply soaking up the sun on the deck. So, before you set sail, consider securing your cruise with travel insurance and ensure smooth sailing, both literally and figuratively.

What is Travel Insurance for Cruises

Travel insurance for cruises is a specific type of travel insurance designed to protect you from financial losses and inconveniences that can occur during your cruise vacation. It acts as a safety net in case of unexpected events like:

  • Trip cancellation or interruption: If you have to cancel your cruise due to a covered reason (like illness, injury, or job loss), travel insurance can reimburse you for the non-refundable portion of your cruise fare and other prepaid expenses. It can also cover costs if your trip is cut short due to unforeseen circumstances.
  • Medical emergencies: Medical care on board a cruise ship and at foreign ports can be expensive. Cruise travel insurance can help cover medical expenses, including emergency evacuation back home if necessary.
  • Lost, damaged, or delayed baggage: Cruise travel insurance can reimburse you for the value of your belongings if they are lost, damaged, or delayed during your trip.
  • Cruise-specific events: Some plans also cover specific cruise-related situations like missed port calls due to mechanical problems or itinerary changes.

It’s important to note that not all travel insurance plans are created equal. Coverage and cost can vary significantly depending on the provider, plan type, and circumstances. Therefore, it’s crucial to carefully review different plans and compare their inclusions and exclusions before making a decision.

Benefits of Cruise Travel Insurance

Cruise travel insurance can offer a wide range of benefits, providing peace of mind and financial protection when things don’t go as planned. Here are some of the key advantages:

Financial Protection:

  • Recovers Trip Costs: If you need to cancel your cruise due to a covered reason (illness, job loss, etc.), trip cancellation insurance reimburses your non-refundable expenses, potentially saving you thousands of dollars.
  • Covers Medical Emergencies: Medical care on board ships and in foreign ports can be expensive. Cruise insurance covers medical bills, including doctor visits, hospital stays, and even emergency medical evacuation back home.
  • Protects Belongings: Lost, stolen, or damaged luggage can put a damper on your trip. Baggage coverage reimburses you for the value of your belongings, helping you replace essentials and get back on your feet.
  • Minimizes Delays: Travel delays can disrupt your vacation and cost extra money. Trip delay coverage reimburses you for meals, accommodations, and additional transportation if your flight or transportation to the cruise is delayed.

Peace of Mind:

  • Reduces Stress: Knowing you’re financially protected in case of unexpected events allows you to relax and enjoy your cruise without worrying about potential costs.
  • Improves Flexibility: Some plans offer “Cancel for Any Reason” coverage, granting you flexibility to cancel your trip for any reason (even if it’s not officially listed) and receive partial reimbursement.
  • Allows More Adventurous Activities: If you plan on participating in shore excursions or activities with inherent risks, having insurance with proper coverage can provide peace of mind.

What Does Cruise Travel Insurance Cover?

Cruise travel insurance can be a lifesaver if things go wrong on your trip, offering financial protection for a variety of unexpected situations. Here’s a breakdown of the common coverage areas:

Trip Cancellation and Interruption:

This covers non-refundable cruise costs and other pre-paid travel expenses (flights, hotels) if you need to cancel your trip for a covered reason, such as:

  • Illness or injury (yours or a close relative)
  • Job loss
  • Severe weather affecting your departure or destination
  • Some policies even offer “Cancel for Any Reason” for added flexibility.

Medical Emergencies:

Covers medical expenses incurred while on your cruise, including:

  • Doctor visits and hospital stays
  • Emergency medical evacuation back to your home country (can be very expensive!)
  • Ambulance transportation

Baggage and Personal Belongings:

Reimburses you for lost, stolen, or damaged luggage and personal belongings, up to policy limits.

Trip Delays and Missed Connections:

Covers expenses incurred if your flight or transportation to the cruise is delayed, such as:

  • Meals and accommodations
  • Additional transportation costs to catch up with the cruise

Other Common Coverages:

  • Missed Cruise Departure: Coverage if you miss the cruise departure due to a covered reason.
  • Cruise Diversion: Reimbursement for additional expenses if your cruise is diverted due to unforeseen circumstances.
  • Pre-existing Medical Conditions: Some plans offer coverage for pre-existing conditions with a stability clause.
  • Adventure Activities: If you plan on participating in shore excursions, ensure your chosen plan covers those activities.

By understanding what cruise travel insurance covers, you can make an informed decision about whether it’s right for your trip and choose a plan that meets your needs and budget.

Choosing the Right Coverage

Choosing the right cruise travel insurance involves understanding your needs and carefully comparing different plans and providers. Here are some key points to consider:

1. Assess Your Risk and Needs:

  • Trip Cost: How much have you spent on the cruise? Higher costs justify more comprehensive coverage.
  • Health: Do you have pre-existing medical conditions? Consider plans that cover them.
  • Activities: Are you planning adventurous excursions? Ensure coverage for those risks.
  • Flexibility: Do you want the option to cancel for any reason, even non-covered ones?

2. Compare Coverage and Exclusions:

  • Trip Cancellation: What reasons are covered? Are there exclusion periods?
  • Medical Coverage: Are limits sufficient for potential medical needs in your destinations?
  • Baggage and Personal Belongings: What are the coverage limits and exclusions?
  • Other Coverages: Does the plan cover trip delays, missed departures, and cruise diversions?

3. Consider Price and Deductibles:

  • Balance Cost vs. Coverage: More comprehensive plans cost more, but offer wider protection.
  • Deductibles: Understand the amount you pay before coverage kicks in.

4. Research Providers and Reviews:

  • Compare Reputable Companies: Look for companies with good customer service records.
  • Read Reviews: See what other travelers have experienced with different providers.

Best Cruise Travel Insurance Plans

Choosing the right cruise travel insurance plan can be tricky, as there are many factors to consider. Here are some of the best cruise travel insurance plans in 2024, based on their coverage, customer reviews, and affordability:

WorldTrips Atlas Journey Premier

This plan provides comprehensive coverage for trip cancellation, interruption, medical expenses, and evacuation. It also includes cancel for any reason (CFAR) coverage, which allows you to cancel your trip for any reason and be reimbursed for your expenses.

Nationwide Cruise Luxury

This plan is a good option for travelers who are looking for affordable coverage with a high level of benefits. It includes trip cancellation, interruption, medical expenses, and evacuation coverage, as well as baggage loss and delay coverage.

TravelSafe Classic

This plan is a good value for travelers who are looking for basic coverage. It includes trip cancellation, interruption, medical expenses, and evacuation coverage, but it does not have CFAR coverage.

AIG Travel Guard Preferred

This plan is a good option for travelers who are looking for comprehensive coverage with a global network of providers. It includes trip cancellation, interruption, medical expenses, and evacuation coverage, as well as baggage loss and delay coverage.

AXA Assistance USA Platinum

This plan is a good option for travelers who are looking for the most comprehensive coverage available. It includes trip cancellation, interruption, medical expenses, and evacuation coverage, as well as baggage loss and delay coverage, and more.

Ultimately, the best cruise travel insurance plan for you will depend on your individual needs and budget. Be sure to carefully compare plans and read the fine print before you purchase a policy.


What does cruise travel insurance cover?

Cruise travel insurance typically covers a range of situations including trip cancellation, emergency medical expenses, baggage loss, and travel delays.

Do I really need travel insurance for a cruise?

While travel insurance for cruises is not mandatory, it is highly recommended. It protects against unforeseen events that could disrupt your travel plans and incur significant financial losses.

How much does cruise travel insurance cost?

The cost of cruise travel insurance varies depending on factors such as trip duration, destination, age of travelers, and coverage limits. On average, it can range from 4% to 10% of the total trip cost.

Can I purchase cruise travel insurance after booking my cruise?

Yes, you can typically purchase cruise travel insurance up until the final payment deadline for your cruise booking. However, it’s advisable to purchase insurance as soon as possible to maximize coverage benefits.

Does cruise travel insurance cover pre-existing medical conditions?

Some cruise travel insurance policies offer coverage for pre-existing medical conditions, provided certain conditions are met. It’s essential to review the policy details carefully and consider purchasing additional coverage if necessary.

What should I do if I need to make a claim?

In the event of an incident covered by your cruise travel insurance policy, contact your insurance provider as soon as possible to initiate the claims process. Be prepared to provide documentation and evidence to support your claim.

Is travel insurance mandatory for cruises?

Some cruise lines, particularly for unvaccinated guests sailing from select ports, may require proof of travel insurance with specific coverage (e.g., medical, COVID-19).


As you embark on your next cruise adventure, don’t leave home without the protection of travel insurance. By understanding the benefits, selecting the right coverage, and being prepared for the unexpected, you can ensure smooth sailing and unforgettable experiences. Bon voyage!

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