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Some plans written for cruises do have coverage for itinerary changes or excursion cancellation due to weather conditions. There are also important travel insurance benefits available that are related to bad weather that causes damage to your home and renders it uninhabitable, such as trip interruption coverage. Cruise insurance provides financial protection for travelers if their travel plans are impacted before or during their cruise. Most comprehensive travel insurance policies provide coverage for common travel disruptions, including cancellations, medical emergencies, travel delays, missed connections, and personal items.
Can you buy medical insurance for a cruise?
This approach offers the most coverage, and allows you to purchase time-sensitive benefits and add-ons like Cancel For Any Reason coverage (CFAR) coverage and Pre-Existing Condition waivers. Purchasing cruise travel insurance early does not necessarily impact your premium. Due to an increase in demand for travel protection while at sea, many travel insurance providers offer plans specifically built for cruisers. Whether you’re on the cruise ship, the beach, or enroute to your port of call, a good travel insurance policy will offer coverage and peace of mind for the entirety of your cruise vacation. Our insurance experts reviewed 40 aspects of 37 travel insurance plans to find the best cruise insurance. While your credit card may offer some travel protection, it will not provide the same amount of coverage available from traditional travel insurance providers.
Average cost of cruise travel insurance policies
If you’re worried about paying extra money for costs due to a delay, you may want to look for a plan that has a generous amount of travel delay insurance. These policies offer the highest maximum coverage limits for travel delays among the plans that we judged to be the best. A September 2022 survey of 737 past cruisers by InsureMyTrip found that the average trip cost for an insured cruise vacation so far this year is $6,367, an increase of nearly 15% from before the pandemic. Our team of insurance experts compared cruise insurance rates for a variety of international trips and traveler profiles. To get pre-existing condition coverage, you’ll usually need to buy travel insurance within 14 to 30 days of making your first trip deposit, insure the full value of your trip and be medically able to travel.
What is a cruise travel insurance plan?
You can be covered for emergency medical expenses, trip delays, trip cancellations or interruptions and more. Shop around and compare providers to find the best cruise insurance policy for you. Many travel credit cards include travel protections such as trip cancellation, interruption, delayed or lost luggage reimbursement, and emergency evacuation benefits. Before buying a cruise travel policy, compare the coverage benefits and limits to determine if you already have coverage with a credit card. Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical.
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Travel Insurance for Cruises
Or, if unforeseeable bad weather interrupts your trip, Travel Guard has coverage options to help protect you. No coverage for pre-existing conditions that fall within this policy's 60-day look-back period. AIG's Travel Guard Preferred plan comes with a wide range of coverages and a variety of useful add-ons for an extra fee such as pet coverage, wedding coverage and cancel for any reason coverage (CFAR). TravelSafe's Classic Plan is the best value all-around for the average cruiser, with superior coverage limits at a fair rate. No plan will meet the needs of all cruise travelers, so there is little benefit to booking the one insurance option recommended by your cruise line during the booking process other than convenience.
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Pre-Paid Excursion Reimbursement
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Emergency medical evacuation
HTH’s TripProtector Preferred policy provides luxury-level benefits, including superior medical and evacuation benefits and trip interruption coverage, but it also comes with a high average price. TravelSafe’s Classic plan provides the highest limits for missed connection and evacuation benefits among top-rated plans. It also has very good trip interruption and hurricane and weather coverage at a competitive price. It can be hard to know where to begin when searching for a travel insurance policy. There are many different variables involved in the quote process and insurance carriers offer a variety of plans and coverage levels to choose from.
Trip Interruption Coverage
Cruise insurance can be any travel insurance policy that has the coverage features you want. It does not have to be a travel insurance policy with “cruise” in the policy name. It’s helpful to have missed connection coverage included in a cruise insurance policy, as the cost of catching up to a cruise can be significant. John Hancock’s Gold policy is worth checking out if you want high medical and evacuation limits. It also includes very good trip interruption, baggage and missed connection coverage.
How we reviewed cruise insurance plans
If you’re worried that missed connections could disrupt your cruise, it’s worth considering TravelSafe for its excellent missed connection benefit. When you are planning a cruise, you have specific travel needs that are different from a traditional traveler – for obvious reasons. You’ll be meeting up with your cruise, vacationing out on the deep blue sea, probably experiencing some new things through excursions and then coming home to reality. You can add travel insurance to your cruise when you book with the cruise line or a travel agent.
Working with Travel Guard could not have been a better experience at a very stressful time. The California Consumer Privacy Act gives California residents the right to opt-out of the sale or sharing of their personal information. A “sale” is the exchange of personal information for payment or other valuable consideration and includes certain advertising and analytics practices. “Sharing” means the disclosure of personal information for behavioral advertising purposes, where the information used to serve ads is collected across different online services.
Cruisers can expect to pay between 5-10% of their insured trip costs on a comprehensive travel insurance plan. Costs and coverage limits can vary significantly from one policy to the next, so it's best to compare plans before making a purchase decision. Many travel insurance plans give you a pre-existing medical condition exclusion waiver if you buy the plan within two to three weeks after your first trip deposit.
You don’t need a travel insurance plan that’s specifically for cruises. Any good travel insurance plan with generous medical benefits and the other benefits you want can work well for a cruise. The right travel insurance policy gives you peace of mind no matter where your travels take you. You'll know where to turn if something goes wrong, with 24/7 emergency assistance from your trip insurance provider. As the nation’s original travel insurance comparison site, InsureMyTrip has over 20 years of experience connecting travelers like you with the best policy for your trip.
You'll want to be reimbursed if an unexpected event forces you to cancel your cruise. Be sure to read the fine print of your policy, detailing which specific reasons for canceling your trip are covered and not covered. Compare top plans and providers to find the right travel insurance for your unique trip.
In the rare case that you need to be evacuated from the ship due to a medical emergency or severe weather, this coverage ensures you're not left adrift in a sea of expenses. For example, if any injury or health issue is alcohol-related, it may not be covered. You might also want to know if natural disasters like a hurricane, terrorist incidents or bankruptcy by the cruise line are also covered. Since medical treatment on a ship may be more expensive, and evacuation at sea may require a helicopter or small boat, having emergency coverage can be essential.
This influences which products we write about and where and how the product appears on a page. We use data-driven methodologies to evaluate insurance companies, so all companies are measured equally. You can read more about our editorial guidelines and the methodology for the ratings below. You won't find a lower price anywhere else for a plan found on TravelInsurance.com. Be transported to an appropriate facility if ill or injured while traveling away from home. It usually pays out a percentage of the maximum benefit, depending on the loss.
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