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Many travel insurance policies cover cruises, but cruise insurance may be tailored to the risks of cruises, covering transportation, accommodations, and activities. Getting travel insurance for cruises can offer peace of mind if you’re concerned about losing nonrefundable trip payments, travel delays, or covering emergency medical care. Young travelers often have the lowest-priced travel insurance policies.
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Travel insurance can offer peace of mind heading into a cruise vacation, and protect against unforeseen events that may prevent you from reaching your port of call. This may include cancellations, trip delays, and missed connections that occur as you reach your ship. 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.
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The coverage for the long list of activities includes emergency medical expenses while outside the U.S., medical evacuation and repatriation, along with trip interruption. For example, Allianz Global Assistance’s OneTrip Premier Plan can cover a trip up to 366 days and includes $200,000 in trip cancellation coverage and $1 million in emergency medical evacuation benefits. It also provides trip cancellation coverage in the event that there is an NOAA hurricane warning at your destination. 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. This is one of the advantages to buying travel insurance shortly after you book your trip. Without the waiver, medical expenses related to pre-existing conditions that flare up during your trip won’t be covered.
Best Cruise Insurance Benefits
See our advertising policy here where we list advertisers that we work with, and how we make money. Travel insurance can save you when you’re in a pinch, and cruises are especially important to protect. Whether you experience a flight delay, your car breaks down or you get sick, having a backup plan that will cover the cost of your trip, or at least help you get there without extra expense, can be essential. It’s recommended to arrive one day before the departure of your cruise to allow for any delays because if you arrive late to the departure point, the ship may have already left. The Explorer Plan is World Nomads' premium travel insurance plan and covers a longer list of activities than the Standard Plan. You can review the list of covered activities here and decide if the more affordable Standard Plan works for you.
July 28, 2021 — Countries and cruise lines are turning to travel insurance as a resource to regain tourism. Since the onset of the Covid-19 pandemic, 18 countries have begun requiring visitors travel with insurance for Covid-19. Recently, Royal Caribbean, Carnival and Disney cruise lines announced similar requirements of non-vaccinated travelers.
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The Travel America Plan, which can cover up to eight travelers, also includes unique protections like inconveniences caused by sporting equipment delays and medical expenses for your pet. To determine the best cruise insurance options for our review, we collected several sample quotes, carefully examined policy and coverage details, and evaluated providers with specialized cruising plans. Our thorough research found that the following travel insurance companies provide the best cruise insurance plans in the industry.
If there is any conflict between what an insurance provider tells you and what your contract says, the contract is what you should rely on. This coverage applies to transportation by common carriers such as airlines, buses and trains. It refunds parts of your trip that you miss because of a common carrier delay.
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You’ll pay for these benefits, of course, but the cost may be worth it. Nationwide offers three cruise insurance plans with varying coverage limits. Each plan also includes missed connection coverage and reimbursements for itinerary changes. If you’re worried about illnesses or potential injuries during your cruise, travel medical insurance covers medical expenses up to a maximum amount. This coverage is worth considering if you’re cruising abroad, as domestic healthcare may provide limited to no coverage out of the country. If you’re worried about suffering a medical emergency and requiring transport to a hospital while at sea, it is important to also have emergency medical evacuation coverage.
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AXA’s Platinum plan hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including non-medical evacuation coverage and baggage insurance. 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.
This lets you take advantage of the protections sooner and qualify for certain benefits such as pre-existing condition waivers. Trip cancellations are covered for 100% of the trip cost (up to a max of $150,000) and trip interruptions are covered for 150% of the trip cost (up to a max of $225,000). This plan covers baggage delays of more than 12 hours for up to $600 and covers lost, damaged or stolen bags or personal items for up to $300 per item ($2,500 maximum). It also has missed cruise connection coverage of $150 per day for accommodations and meals ($1,500 maximum). The full trip cost (100%) is covered for both cancellations and interruptions.
Baggage loss coverage may help recover the costs of replacing lost items, or baggage delay coverage may help reimburse for the necessities purchased while waiting for bags. Having baggage coverage can significantly decrease the stress of losing your belongings. If you find yourself stranded at the pier long after your cruise has left, or aren't able to get to the pier at all, cruise travel insurance can help. A pre-existing conditions waiver applies when you purchase coverage within 15 days of the initial trip deposit. Trip cancellations are covered for 100% of the trip cost and interruptions are covered for 150% of the trip cost.
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. This coverage reimburses you for as much as 150% of your prepaid, unused, nonrefundable trip expenses (sometimes even more) if you need to change your plans after departure for a reason your policy covers. Maybe you get sick at your destination and can’t enjoy the last two days of your itinerary and have to change your flight. Or maybe you need to cut your trip short because your teenager was in a car accident. Trip interruption insurance can cover the cost of a last-minute, one-way economy ticket to get you home.
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