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The Best Cruise Insurance in April 2024

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Table of Contents

What to look for in cruise insurance

Factors we considered when picking the best cruise insurance companies, an overview of the best cruise insurance, best cruise insurance options, more resources for cruise travel insurance shoppers.

Cruising is back, but many travelers are still reluctant to board ships alongside thousands of other travelers. Cruise insurance has you covered if:

You need to be reimbursed for canceling your trip.

Your flight to the port gets delayed.

You need to pay for medical care if you get sick on board.

You need to fly home in case of an emergency.

Of course, there's much more than just this list that cruise insurance can cover.

No matter the reason you might be looking for coverage, here are some of the best cruise insurance companies available to help bring you peace of mind on your next experience at sea:

World Nomads .

Berkshire Hathaway .

Travelex Insurance Services .

Travel Guard by AIG .

When shopping for cruise insurance, make sure to look for coverage that offers the following:

Trip delay and cancellation.

Medical expenses, including emergency evacuation.

The option to cancel for any reason (including COVID-19).

Adventure activities if you’re planning certain onshore excursions.

Cruise insurance isn’t much different than traditional travel insurance. Any good travel insurance should cover cruises in addition to travel by air or car.

After our analysis, we've determined these are some of the best cruise insurance options available.

» Learn more: The best travel credit cards right now

We used the following factors to choose top insurance providers to highlight:

Specifics of coverage: Including what coverage plans include and whether they offer useful coverage and benefits for cruises specifically.

Amount of coverage: Including the maximum payouts for trip cancellation and trip interruption claims.

Cost: We compared prices to determine average costs across basic plans.

Customizability: We checked to see if policies allow users to customize options to suit their specific needs.

» Learn more: The guide to cruise travel insurance

We searched for quotes from several companies for a seven-day trip in February 2023 from the U.S. to Mexico. The traveler was 35 years old, from Georgia, and planned to spend $2,500 total on the whole trip, including airfare.

The average price of each company’s most basic coverage plan was $124. These policies didn't include optional add-ons, such as Cancel for Any Reason coverage or coverage for pre-existing medical conditions .

» Learn more: Should you insure your cruise?

Here’s a closer look at our five recommendations for cruise insurance and what makes them unique.

Allianz Global Assistance

What makes allianz global assistance a top choice for cruise insurance:.

Multiple policies are available for international and domestic travel.

Plans offer trip cancellation and interruption coverage for COVID-19.

Offers emergency medical and transportation.

For our test trip, Allianz Global Assistance’s basic plan cost $106, slightly below average.

World Nomads

What makes world nomads a top choice for cruise insurance:.

Adventure activities like mountain biking and scuba diving are covered, perfect for land-based experienced (though which sports are covered varies from plan to plan).

Offers comprehensive travel insurance plans for domestic and international travel.

Larger-than-average coverage for baggage loss and delays.

For our test trip, World Nomad’s basic plan cost $63, well below average. But the actual trip cost isn’t taken into consideration for trip cancellation and interruption coverage.

Berkshire Hathaway Travel Protection

What makes berkshire hathaway travel protection a top choice for cruise insurance:.

A wide range of comprehensive plans cover cancellation, emergency medical and transportation coverage, and emergency travel assistance.

A cruise-specific plan includes some compensation for cruise disablement and the most emergency medical and evacuation coverage of any of these plans.

There are many plans available, including plans that cover adventure activities.

A Berkshire Hathaway WaveCare cruise-specific plan was $202, quite a bit more than average, but with the most medical evacuation coverage.

Travelex Insurance Services

What makes travelex insurance services a top choice for cruise insurance:.

Three comprehensive plans are available.

Kids-included pricing is available with the Travel Select plan.

There's an option to add accidental death and dismemberment coverage to the basic plan.

The Travel Basic plan from Travelex Insurance Services cost $116 for our sample trip; just below the average for plans listed here.

Travel Guard by AIG

What makes travel guard by aig a top choice for cruise insurance:.

Cancel For Any Reason coverage is available as an optional upgrade on two plans.

A pre-existing condition waiver is also available as an add-on.

Travel Guard by AIG offers a basic Essential plan for $133, just a little higher than average, but adding coverage may raise that price.

Bookmark these resources to help you make smart money moves as you shop for cruise travel insurance.

The best travel insurance companies.

The best credit cards for cruises .

What is travel insurance?

Is travel insurance worth getting?

10 credit cards that provide travel insurance .

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Cruise Insurance: Why You Need It + 4 Best Options for 2024

Seven Corners »

Travelex Insurance Services »

AXA Assistance USA »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Cruise Insurance Plans.

Table of Contents

• Seven Corners
• Travelex Insurance Services

Cruise vacations come with the same considerations as any other trip, including the potential for trip cancellations, trip interruptions, unforeseen medical expenses and even a need for emergency medical evacuation. Add in the potential for unruly weather during hurricane season , and it's easy to see why cruise insurance plans are so popular and recommended.

Read on to find out which cruise travel insurance plans U.S. News recommends and how they can protect the investment you made in a cruise when something goes wrong.

Frequently Asked Questions:

All cruise insurance plans are unique, and some have different coverages than others. However, most travel insurance plans for cruises cover the following:

• Trip delays, interruptions and cancellations: This kind of coverage is essential any time of the year, but especially during hurricane season when storms can impact your travel plans. 
• Protection for medical emergencies: This type of coverage can help pay for unexpected medical bills if you're injured on board the ship or hurt during a shore excursion. You can also choose a cruise insurance plan that covers emergency medical evacuation from the ship or to the nearest hospital.
• Coverage for lost or delayed baggage: Coverage for baggage is important for cruises just like any other trip. This type of insurance can pay for essential items you need to buy if your bags are lost or stolen and don't make it on the ship. 

With each of these protections, a coverage limit is listed with your plan. This means you may get reimbursed for your losses or prepaid travel expenses up to this limit, but only when a covered reason applies to your claim.

One of the main reasons to buy cruise insurance is for medical emergencies. Note that, once you're on a cruise ship or visiting a destination outside the United States, your own U.S. health insurance plan will not apply. The same truth applies if you have government health coverage like Medicare.

You can purchase cruise insurance through your cruise line, but these plans are often very basic with low limits for medical expenses and other coverages. For example, cruise line travel insurance policies often come with just $25,000 in coverage for emergency medical expenses and up to $50,000 in coverage for emergency medical evacuation, which may not be enough.

Fortunately, you can buy cruise insurance from any travel insurance provider when planning this type of trip. By buying coverage from an independent travel insurance provider instead of your cruise line, you get to select the exact coverages and limits you need for the best protection possible.

• Seven Corners: Best Overall
• Travelex Insurance Services: Best for Families
• AXA Assistance USA: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best Cost

Plan is cruise-specific

Get coverage for missed cruise connections and tours

Medical expense coverage is secondary if you opt for lower-tier Basic plan

• Up to 150% in reimbursement for trip interruption
• Up to $250 per person, per day in trip delay coverage ($2,000 maximum)
• Up to $250 per day in missed tour or cruise connection coverage ($1,500 maximum)
• Primary emergency medical expense coverage worth up to $500,000
• Medical evacuation and repatriation of remains coverage worth up to $1 million
• Political and security evacuation coverage worth up to $20,000
• Up to $2,500 in protection for baggage and personal effects (limit per item of $250)
• Up to $100 per day ($500 maximum) in coverage for baggage delays of six hours or more

Travel Select plan offers coverage with pricing for kids included

Customize your plan with additional medical coverage, adventure sports coverage and more

Only $1,000 in coverage for baggage and personal effects

$200 maximum coverage for baggage delays

• Trip cancellation coverage worth up to 100% of total trip cost (maximum $50,000)
• Trip interruption coverage worth up to 150% of trip cost (maximum $75,000)
• $2,000 in trip delay coverage for a delay of at least five hours ($250 per day)
• $750 in coverage for missed connections (delay of at least three hours required)
• Emergency medical expense coverage worth up to $50,000 (dental emergency sublimit of $500 included)
• Emergency medical evacuation coverage worth up to $500,000
• $1,000 in protection for baggage and personal effects
• Up to $200 in coverage for baggage delays (at least 12-hour delay required)
• Travel assistance services

Provides comprehensive coverage for all aspects of cruising

High policy limits for medical expenses and emergency evacuation

Does not offer cruise-specific travel insurance

• Trip cancellation coverage up to 100%
• Trip interruption protection up to 150%
• $1,250 in travel delay coverage ($300 per day)
• $1,500 in protection for missed connections
• Emergency accident and sickness coverage up to $250,000
• Emergency medical evacuation coverage up to $1 million
• Nonmedical emergency evacuation coverage up to $100,000
• $50,000 in accidental death and dismemberment coverage
• Baggage and personal item coverage up to $3,000
• Baggage delay coverage worth up to $600

Comes with enhanced medical and luggage benefits, protections for cruise ship disablement, and more

Cruise delay coverage kicks in after five hours

Baggage delay coverage is only for $200 and doesn't kick in for 24 hours

No option to purchase CFAR coverage

• Up to $75,000 in protection for emergency medical care
• Emergency evacuation and repatriation of remains coverage worth up to $750,000
• Cruise cancellation coverage for 100% of trip cost up to $25,000 per person
• Cruise interruption coverage for 150% of trip cost up to $37,500 per person
• Cruise delay coverage worth up to $1,000 ($200 per day for delays of five hours or more)
• Missed connection coverage worth up to $500 (for delay of three hours or more)
• Cruise ship disablement coverage worth up to $500
• Up to $1,500 in coverage for baggage and personal effects

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel, travel insurance and cruises for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries, some of which have included cruises all over the world. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

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The average cost of a cruise varies by ship, destination, trip length and more. Use this guide to learn more about cruise costs.

Cruise Packing List: 56 Essentials Chosen by Experts

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This cruise packing list includes all of the essentials – plus items you didn't know you needed.

The 12 Best All-Inclusive Cruises for 2024

When most of the extra costs are paid before you sail, you can truly enjoy your cruise.

The 5 best cruise travel insurance plans

While smooth sailing will always be the aim, cruising today is often about expecting the unexpected. You can prepare yourself by taking out an insurance policy that can compensate you when your vacation at sea does not go as planned.

Need to cancel your trip last minute due to an accident or illness? Did your bags get delayed or lost? Do you need to exit the sailing early to take care of an emergency back home? Was there a mechanical issue with the ship that required a change of itinerary, causing you to miss your flight home?

For cruise news, reviews and tips, sign up for TPG's cruise newsletter .

All of these contingencies and more can be covered; it's just a matter of finding the best insurance policy for you. Here's how to evaluate which plan is the right choice for you, as well as five of the best cruise travel insurance plans available.

The best cruise travel insurance plan will always be a 3rd-party option

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.

You'll often find more affordable rates, comprehensive coverage and favorable terms utilizing third-party insurance companies. You'll have a wide choice of plans, so you can pick the one that works the best for your situation.

If you're wondering where the best place is to purchase third-party insurance, "No one comparison site is getting preferential deals," says Stan Sandberg, co-founder of TravelInsurance.com . "Insurance carriers' rates are the same anywhere." However, these insurance comparison sites can help you directly compare the pricing and coverage of multiple policies by a range of preferred providers.

Look for the following coverage options and compare coverage amounts to determine which third-party plan is the best cruise insurance option for your upcoming trip.

Related: Cruise travel insurance: What it covers and why you need it

Trip cancellation

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.

Trip interruption and travel delays

You'll also want to be covered if issues occur after travel begins. It's important to find "a plan that offers trip interruption if something does happen during your trip, along with a plan that offers emergency medical evacuation, coverage for travel delays and missed connection benefits," adds insurance expert Meghan Walch from InsureMyTrip .

Related: What happens if you miss your cruise

COVID-19 contingencies

Walch advises all travelers booking a cruise to consider a plan that includes cancellation coverage for COVID-19. Note that you'll need more than a home test to file a claim. According to Walch, "You'll need a doctor saying that you have been diagnosed with COVID and specify that you are unable to travel."

In addition, look for coverage if you get sick and need to isolate away from home. "Some plans offer additional trip delay coverage, put in place as a result of needing additional or higher limits for instances that might include if the policyholder gets quarantined in a location," Sandberg adds.

Cancel for any reason

A cancel-for-any-reason optional upgrade offers the most flexibility. You can get a refund of up to 75% if you cancel your voyage for reasons not usually covered by travel insurance. However, it adds about 40% to your premium and can only be purchased within a limited window of time after your cruise purchase.

Related: What happens if my cruise line changes my itinerary or ship?

Lost or delayed baggage

Baggage loss insurance covers your luggage if it is lost, damaged or stolen during your trip. In the case that you make it on the cruise and your bags do not, the insurance agency can assist with locating and redirecting the bags to your next port, reimbursing you for items you may need to purchase to get you through your travels while you are without your belongings and covering your losses in the case that the bag is actually gone for good.

Note that certain high-cost items such as electronics, luxury watches and fine jewelry are not always covered by baggage loss insurance. Consider purchasing additional coverage for such items or — better yet — keep those items with you at all times.

Health coverage

Medical coverage is another consideration. "Most domestic health coverage [including Medicare] does not cover travel abroad, so it is important to look at a travel insurance policy that offers medical coverage during your trip, just in case anything happens," says Walch. "If you fall ill or are injured during the trip, it can be pretty expensive – even when going to the ship's onboard medical facility."

Related: How to avoid getting sick on a cruise

Hurricane coverage

Extreme weather and hurricanes are typically not covered if the cruise commences as scheduled, though you might be eligible for trip interruption coverage if weather cancels the cruise or cuts the itinerary short. There are also insurance plans that offer trip reimbursement if a destination on your itinerary is under a National Oceanic and Atmospheric Administration-issued hurricane alert or warning.

How much will cruise travel insurance cost?

Insurance pricing is dependent on the trip cost and the age of the insured travelers. Sandberg estimates that "travelers in their 30s or 40s can ballpark insurance coverage somewhere around 5% to 7% of the trip costs, with rates that can get lower depending on the extent of coverage."

Insurance is a tiered product that gets more expensive as you age. "As you get older, that range can expand to 10% of trip costs," notes Sandberg. "Adding bells and whistles, like 'cancel for any reason' [coverage], rates can rise to 11% to 12% of the cost of your trip."

Related: How cruising newbies waste money on their 1st cruise

5 best cruise travel insurance plans

Following extensive research scouring the fine print, we've selected five of the best cruise insurance plans that will appeal to a variety of seagoing travelers.

All five plans provide coverage for COVID-19-related trip cancellation and interruption.

For the leisure cruiser: TravelSafe Classic Plan

TravelSafe's Classic Plan is the best value all-around for the average cruiser, with superior coverage limits at a fair rate.

This plan's coverage includes an impressive $1 million per person for medical evacuation and a high $2,500 coverage limit for bag loss. You have extra time – 21 days – from your initial deposit to add a cancel-for-any-reason upgrade to your plan. The accident and sickness medical coverage is primary, with coverage up to $100,000.

The policy's $750-maximum trip delay coverage begins after a six-hour delay and includes kennel fees for up to $100 per day, along with coverage for additional meal and accommodation expenses.

For the budget conscious: AXA's Silver Plan

AXA's Silver Plan is the company's entry-level offering, with more value added than most budget insurance options — most notably the company's concierge service. Coverage under this plan includes robust trip cancellation and interruption coverage, both at 100% of the costs, along with $100,000 for emergency medical evacuation.

The plan also offers identity theft assistance in case your wallet or passport gets stolen while traveling, assisting with filing and obtaining police and credit reports, taking inventory of lost or stolen items, and even wiring emergency funds to you when you're really in a bind.

You won't have the option to purchase a cancel-for-any-reason add-on or opt in for a collision damage waiver on this lowest-tier plan.

For the luxury cruise traveler: John Hancock's Gold Plan

John Hancock's Gold Plan offers robust medical evacuation and repatriation coverage up to $1 million per person, ideal for those luxury cruises that rove to the farthest reaches of the globe. The plan has excellent baggage loss coverage at up to $2,500 per person, along with a low three-hour minimum travel delay ($1,000 per person, $200 daily limit) benefit.

Preexisting medical conditions are covered by this policy, though you must purchase your policy within 14 days of your trip deposit.

For increased medical coverage: Seven Corners' RoundTrip Choice Plan

Seven Corners' RoundTrip Choice Plan offers primary medical coverage for emergency accident and sickness medical expenses up to $500,000, while many other plans only offer secondary coverage. The plan's medical evacuation coverage is high at $1 million, and preexisting conditions are covered with a few conditions that apply, namely that you purchase the policy within 20 days of your initial trip payment.

The policy also offers detailed, robust COVID-19 coverage, including reimbursement for medical care if you contract COVID-19 while traveling. Its coverage also includes meals, local transportation and lodging if you're delayed six or more consecutive hours due to quarantining with COVID-19.

Coverage options on the plan may vary slightly depending on which U.S. state you claim as your residence.

For the adventurous cruiser: World Nomads' Explorer Plan

World Nomads is one of the few insurance companies that will cover more than 200 adventure activities on your travels, including scuba diving, skydiving and bungee jumping. 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.

World Nomads' Explorer Plan also offers $25,000 in coverage for nonmedical emergency evacuation for covered events, such as a natural disaster or political or security situations.

Travelers 70 and older are required to add a "Silver Nomads" policy, offered through TripAssure.

Bottom line

Cruising isn't always a blissful week spent relaxing on the pool deck or snorkeling among multicolored reefs. Mishaps occur, whether it's losing luggage, missing a flight or falling ill.

The best cruise insurance policies are the ones that won't let you sail without a safety net, charging a fraction of your trip expenses in exchange for the peace of mind that there's a plan in place should something go wrong. With a range of pricing and coverage options available, you can feel confident that you can find a policy to suit your travel needs.

Planning a cruise? Start with these stories:

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• A beginners guide to picking a cruise line
• The 8 worst cabin locations on any cruise ship
• The ultimate guide to what to pack for a cruise
• A quick guide to the most popular cruise lines
• 21 tips and tricks that will make your cruise go smoothly
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• The ultimate guide to choosing a cruise ship cabin

All Your Questions About Cruise Travel Insurance, Answered

By Elissa Garay

Rarely does real life make its way into our fantasies of a dream vacation : palm trees swaying in the breeze, expertly plated meals served at whim, toes pointed toward the horizon on a sun-soaked day at sea. That vision doesn't factor in missed flights, lost bags, or medical mishaps. But life has a way of getting in the way, even when you’re trying to get away from it all. Add in an unexpected curveball like the coronavirus pandemic (and the disease it causes: COVID-19)—which has effectively wiped out cruising, for the near future, at least—and things get even more complicated.

In most instances, you can buy peace of mind in the form of a well-tailored cruise travel insurance policy, which industry experts say is nearly always a smart bet. Not only does coverage insure your financial investment in the case of a hiccup, but it can also help with access to quality medical care on the road, as well as reimbursement for any unforeseen expenses that may pop up in the face of such scenarios. In this primer on travel insurance for cruises, we break down everything you need to know so you can pick up a policy with ease—and then get back to planning your eventual lounge on the lido deck.

What does cruise travel insurance cover?

“A cruise vacation has so many moving parts, including the sheer number of destinations you visit, flights, and hotels bookings. Things can go wrong after you’ve made that final deposit, and without travel insurance, you’d likely lose that payment,” says Colleen McDaniel, editor-in-chief of cruise review and community site Cruise Critic .

While specific policies vary in their coverage—you’ll need to review the fine print carefully before you buy—most offer recourse for commonly encountered issues like the need to cancel a trip (for approved reasons like your traveling companion falling ill, or the involuntary loss of your job) or trip delays and interruptions. “If you miss your initial embarkation of a cruise due to a flight delay or a weather event, such as a hurricane or winter storm , travel insurance could help cover the costs of you getting to the next port of call, so you can join your cruise,” says James Page, senior vice president and chief administrative officer of AIG Travel, whose subsidiaries sell policies designed to cover cruisers.

Other potential problems might include the airline losing your checked bags , getting pickpocketed in port, the cruise line canceling your sailing due to weather or mechanical issues—or, as we’ve seen of late, due to not being able to run itineraries in areas affected by the coronavirus. While the cruise line would almost certainly pay out a refund in cases of cancellation or major itinerary changes, other prepaid expenses not purchased through the line directly, such as flights or hotel nights, would be on your dime without a qualifying policy in place. “The biggest tip is to make yourself aware of exactly what your plan will cover prior to purchasing,” McDaniel says.

Weather is not covered unless it results in the cancellation of or significant interruption to the cruise. McDaniel says that you won’t get a refund if the scheduled ports visited on a cruise itinerary are changed due to bad weather. “Skipped ports would not be covered by travel insurance,” she says, in cases of inclement weather.

How is the coronavirus affecting travel insurance?

When it comes to coronavirus , it’s important to know that circumstances like epidemics and pandemics are not typically listed as covered events under most standard cancellation policies. Also worth noting: Preemptively canceling a trip out of fear for your health and safety is never part of a standard policy. Accordingly, while some insurers honored claims associated with the onset of the epidemic, almost none are paying out trip cancellation claims for travel or policies booked after late January (with specific cutoff dates ranging between January 21 and January 27, according to travel insurance comparison site Squaremouth). This is owed to the rationale that once the outbreak became a known event, risk is assumed by the would-be travelers who book.

“However, there are now some providers who do not consider contracting the virus as foreseen, even during a global pandemic like the coronavirus outbreak,” says Kasara Barto, public relations manager for Squaremouth. “In this case, trip cancellation benefits can still apply if a traveler contracts the virus or is physically quarantined and unable to travel as planned."

Economic-woe scenarios, like having to cancel if you are laid off from your job, or if a travel supplier should declare bankruptcy, are typically covered under standard plans. Squaremouth notes, however, that coronavirus-prompted impacts like travel bans and border closures are not usually covered by standard policies, nor are cases of cruise lines canceling a scheduled sailing (in which case, the cruise companies themselves would be expected to pick up the tab for reimbursement, or to offer a voucher for future travel).

Because of these exclusions, industry experts advise that a “cancel for any reason” policy upgrade will offer some level of protection even if your reason for canceling is based on fear of travel alone. With this more expensive insurance, you must meet criteria like purchasing your policy within a set time frame (typically within 14 to 21 days of your initial trip deposit) and you must also cancel your trip at least two days in advance of departure.

Keep in mind, too, that down the road, in the post-coronavirus world, industry insiders forecast that new virus-related policy inclusions will become part of standard policies. “Similar to how the September 11 attacks led to terrorism coverage to be offered standard on most travel insurance policies, we anticipate that the COVID-19 pandemic will lead the travel insurance industry to offer more policies that include coverage for pandemics, which may cover things like CDC alerts, travel advisories, and stay-at-home orders,” Barto says.

Insurance and medical incidents

Beyond trip cancellation, medical incidents while traveling present another major need for coverage, since it’s unlikely that your regular health insurance covers such expenses abroad. Most ships have onboard doctors, but visiting them isn’t cheap nor is emergency medical evacuation in the case of more serious illnesses or injuries. “Without [insurance], your out-of-pocket costs could be astronomical,” McDaniel says.

CNT Editors

Blane Bachelor

Kyler Alvord

Page of AIG Travel agrees. “Even a short weekend cruise could turn costly if a traveler has an accident or becomes ill, and requires emergency medical treatment or a medical evacuation from sea,” he says, pointing out that travelers are more prone to injury since they often take risks on vacations—like jet-skiing or hiking on unfamiliar terrain —that they might not take back home. “It’s important to ensure the policy you purchase covers the things you may need, such as pre-existing medical conditions or adventure activities,” Page says.

Specific to the coronavirus, should you contract the virus while cruising, “medical coverage availability will vary per travel insurance provider,” Barto says, noting that a half-dozen insurers were offering such medical coverage as of press time. “While some providers are still providing medical benefits for newly purchased policies, others are only covering medical expenses related to the coronavirus to insureds who bought a policy prior to the outbreak.” Coverage in regards to scenarios like being denied boarding (for registering a fever at port or having recently traveled to a high-risk destination for COVID-19, for instance) or being placed in mandatory quarantines likewise can vary by insurer.

Orlando —based travel agent Kelley Lord is an avid cruiser, with nearly 40 cruises under her belt, and she has taken out a policy for every one of them. It’s proven to be a smart strategy: In 2017 alone, her family had to cancel three separate cruises at the last minute, due to medical issues. “We had a 17-night, port-intensive cruise and Europe trip planned for early June that included expensive flights, prepaid excursions, hotels, and the cruise fare,” she says of one incident. “My husband tore up both of his knees in late May playing kickball at the company picnic and had to have double knee surgery. There was no way we could make the trip.” Thankfully, in that and the other two instances that followed that year, “we filed with our travel insurance and were able to recoup most of the cost of the trip,” she says.

Where to buy cruise travel insurance

While cruise lines usually offer their own insurance policies, experts advise looking instead to an independent, third-party insurer. “Travel insurance policies from independent insurers tend to be more comprehensive than those you might purchase through a cruise line,” McDaniel says. “Cruise line insurance is usually secondary coverage, meaning you’ll first need to file through any private insurance policies [like homeowner’s or renter's] that you have before your travel insurance will kick in. This could mean needing to pay out-of-pocket to start.”

Adds Page: “The advantage of purchasing a comprehensive travel insurance policy through an insurance provider like Travel Guard is that the comprehensive plans may offer additional benefits, such as emergency medical evacuation, which may not be available under protection plans offered through cruise lines.”

In addition, cruise line insurance can be more limited than you might expect. “Travelers who purchase the cruise line’s policy can only insure expenses purchased directly through that cruise line," says Jenna Hummer, former director of public relations for Squaremouth. "Any outside airfare or expenses would be forfeited in the event of a cancellation.”

You can pick up a policy from your travel agent directly through a reputed individual insurance provider (like AIG Travel Guard or Allianz), or via an insurance comparison site that lets you compare plans from various insurers (like Squaremouth or InsureMyTrip).

How much does cruise travel insurance cost?

The cost of a standard policy is calculated as a percentage of your overall vacation expenses—generally anywhere from 5 to 10 percent of your total prepaid, nonrefundable trip cost, according to data provided by Squaremouth. “The premium varies by policy and provider, depending on three primary factors: total trip cost, age of travelers, and length of travel,” Hummer says. “Older travelers taking long, expensive cruises will most likely be paying more for the same policy as a younger traveler taking a cheaper trip.”

According to Squaremouth, “cancel for any reason” benefits will typically increase a policy’s premium by roughly 40 percent over the cost of a standard policy, and will only cover a portion (up to 75 percent) of the total trip cost’s reimbursement.

When to buy cruise travel insurance

Experts say to buy your travel insurance as soon as you’ve booked your cruise —that will give you the biggest window of protection should anything arise before you set sail. Hummer says that coverage for preexisting medical conditions is sometimes available at no additional cost from independent insurers—but only if you purchase that policy within 14 to 30 days of your first trip payment.

Remember that you can’t purchase a policy after an event transpires that leads to a claim (say, after you get into an accident and break your leg), but you can purchase standard insurance plans as late as 24 hours in advance of your scheduled departure. As noted before, "cancel for any reason" policies typically must be purchased within 14 to 21 days of your initial trip deposit.

Though you may never use the insurance you purchase, should an issue pop up, the investment can prove to be of great benefit, both economically and psychologically. Lord says, from experience, “You never know when you will need it, but if you do, you will be so grateful that you have it.”

This story was last published in March 2020. It has been updated with new information.

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Smooth Sailing Ahead: Your Guide to Cruise Travel Insurance [2023]

Jessica Merritt

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Best Cruise Travel Insurance for Seniors: Seven Corners

Best cruise travel insurance with covid-19 coverage: battleface, best cruise travel insurance for young travelers: aegis, best cruise travel insurance for adventure tours: img, best cruise travel insurance, cancel for any reason coverage: john hancock insurance agency, what is cruise insurance, is cruise insurance worth it, cruise insurance costs, types of cruise insurance, what to look for in a cruise travel insurance policy, how to get cruise insurance, final thoughts.

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Taking a cruise is one of the easiest ways to travel, but cruising isn’t immune to unexpected hiccups. Sudden illness, travel delays, or other unforeseen events could cancel or interrupt your cruising plans — you might even need medical coverage. 

With cruise insurance, you’re covered for unexpected issues that can interfere with your travel plans . Read on to learn what cruise insurance is, how to get it, and how to find the best cruise insurance policies, whether you’re buying directly from the cruise line or a third-party insurance company.

The 5 Best Cruise Travel Insurance Policies

The right cruise insurance policy offers the coverage you need at a good price, but policies aren’t one-size-fits-all. We’ve run quotes for various coverage scenarios — from seniors to adventure tours — to find the best cruise insurance policies . 

Consider these travel insurance policies for your next cruise:

Seniors cruising the world can get comprehensive coverage from Seven Corners Travel Insurance . We were quoted $89 for a 70-year-old cruising Mexico . The Seven Corners Trip Protection Basic policy offers trip cancellation and interruption, medical coverage, and medical evacuation, along with COVID-19 cancellation and medical coverage.

Comprehensive travel insurance, regardless of your age, is widely available and relatively affordable. Check out our complete guide to travel insurance for seniors .

If you’re concerned about COVID-19 derailing your cruise travel plans, getting cruise travel insurance with COVID-19 coverage is essential. The battleface Discovery Plan covers COVID-19 cancellation and medical expenses, along with regular trip cancellation, medical evacuation, and medical emergency coverage. We were quoted $36.54 for a 35-year-old cruising Italy on this plan.

Young travelers often have the lowest-priced travel insurance policies. We got a quote for just $30.27 from Aegis for a 22-year-old cruising the Bahamas . The Aegis Go Ready Choice policy covers COVID-19 medical and cancellation, trip cancellation and interruption, medical evacuation, and medical expenses.

Are you planning adventurous excursions on your cruise? IMG’s iTravelInsured Travel Lite , with options for winter, adventure, and extreme sports, can give you the coverage you need. We were quoted $58.87 for a 40-year-old traveler cruising to Costa Rica with plans to zipline . It covers trip cancellation and interruption, medical expenses, medical evacuation, and adventure sports with some exclusions, such as diving and adventure races.

Your travel insurance might not cover everything you want to do — particularly if you plan on adventure activities. Here’s our complete guide to adventure and extreme sports travel insurance .

If you’re especially concerned you may need to cancel your cruise, Cancel for Any Reason coverage allows you to cancel your trip and receive partial reimbursement for nonrefundable trip expenses, even if you cancel for reasons not normally covered by trip cancellation coverage. We were quoted $100.50 for a 55-year-old cruising Alaska for John Hancock Insurance Agency’s Silver plan , which reimburses up to 75% of your trip cost under Cancel for Any Reason coverage. It also offers coverage for COVID-19 medical and cancellation, trip cancellation and interruption, and medical expenses and evacuation with primary coverage.

Cruise insurance is travel insurance that covers cruises . It can help you manage all the what-ifs on your cruise. What if you need to cancel your booking? What if your flight is late? What if you get sick or hurt? Travel insurance for cruises can cover you for all of these things. 

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.

Cruise bookings can be unforgiving, and cruise insurance can help you minimize your risk of losing the money you’ve paid for your trip. Travel insurance coverage is often a good idea if you’re concerned about losing nonrefundable prepaid travel expenses or covering emergency medical expenses . 

Because cruises are often less flexible than other types of travel, it’s generally a good idea to get cruise travel insurance. For example, you might be able to rebook a flight or hotel room, but if you cancel your cruise, you could lose your deposit or more. Often, cruise lines won’t offer any refunds if you cancel within a certain period before your cruise, such as 14 or 30 days .

Additionally, you shouldn’t expect your U.S.-based health insurance plan to cover you on your cruise, especially if you’re on an international cruise. And it’s exceptionally expensive if you need to be evacuated for a medical condition.

While everyone hopes for smooth sailing, the reality is a lot of unexpected issues could pop up on your cruise. Your flight to the cruise port could be delayed, you might get sick or injured on your cruise, or you might have to cancel the whole thing if illness or obligations prevent you from going on your cruise. A hurricane could interfere with cruising in storm hotspots such as the Caribbean and Gulf of Mexico. 

Cruise insurance can offer financial support for many unexpected problems you might experience with a cruise. And with a 24-hour travel assistance hotline , you can get knowledgeable help whether you need to find a local pharmacy or coordinate the replacement of lost travel documents such as your passport.

That said, you might have travel insurance coverage available with a credit card . Some credit cards offer travel insurance benefits such as trip cancellation and interruption, emergency medical treatment and evacuation, and travel delay coverage. Still, you should check the details of your credit card’s coverage to ensure it’s enough for your needs. 

Looking for a credit card with travel protections? Read our guide to the best credit cards for travel insurance coverage and protection.

Generally, expect cruise insurance to cost between 5% to 10% of the total cost of your cruise . For a $3,000 cruise, you’ll typically pay between $150 to $300 for comprehensive travel insurance coverage. But keep in mind several factors influence the cost of cruise insurance, including:

• Add-ons, such as CFAR 
• Coverage options 
• Cruise cost 
• Deductibles and limits 
• Destination 
• Group policies 
• Traveler age 
• Trip duration

Learn more about travel insurance costs in our guide to the average cost of travel insurance .

What Cruise Insurance Covers

Each travel insurance policy is unique, but travel insurance for cruise coverage typically includes:

• 24/7 Assistance: You can get 24/7 support for itinerary changes, rebooking, medical emergencies, and more.
• Baggage Protection: Your luggage is covered for loss, theft, or damage on your flight or during your cruise.
• Cabin Confinement: You may get reimbursement if you have to stay in your cabin during your cruise, such as a required quarantine due to COVID-19.
• Cancel for Any Reason: Usually available as an add-on, CFAR travel insurance allows you to cancel your cruise for any reason and receive a partial reimbursement of your nonrefundable travel expenses.
• Itinerary Changes: You can get covered for changes in your cruise’s itinerary, missed port calls, or extended delays beyond your control.
• Missed Connections: If you miss your cruise departure due to a flight delay or other covered reason, you can get reimbursed for your nonrefundable travel expenses.
• Medical Emergencies: Cruise insurance can cover medical treatment on the cruise and may offer coverage for medical evacuation.
• Trip Cancellation or Interruption: You can get reimbursed for your nonrefundable travel expenses if you cancel your cruise or end your trip early due to covered reasons such as illness or injury. You’re typically covered if the cruise line cancels due to mechanical issues, weather, or other unforeseen events.

Cruise-specific travel insurance may also offer reimbursement if your cruise ship is disabled. And if you want to cover shore excursions, be sure to include the cost of excursions in your total travel cost when you get quotes for cruise insurance.

While these coverage types are common among cruise insurance policies, checking the terms and conditions to confirm all coverage areas is a good idea.

There are many options for travel insurance, and you can generally choose as little or as much coverage as you’d like. You can opt for a comprehensive travel insurance policy, which may offer Cancel for Any Reason (CFAR) coverage, or you might prefer to limit your costs and choose just the coverage you need. For example, you might choose standalone trip cancellation insurance or a travel medical insurance policy but decide you don’t need coverage for missed connections or baggage.

Consider these factors as you compare the best cruise travel insurance policies:

• Cancellation Window: Understand how many days before your cruise departure you must cancel to qualify for reimbursement.
• Coverage Availability: Travel insurance policies typically offer cruise coverage, but it’s best to confirm that a policy specifically covers cruises before you purchase it. Also, consider availability for coverages that may be important to you, such as CFAR or adventure sports. 
• Customer Reviews and Reputation: You can get insight into the insurance provider and how claims and customer service work by reading customer reviews and ratings.
• Eligibility Criteria: Cruise insurance policies may have eligibility criteria such as limits on age or trip duration and preexisting conditions. For example, some travel insurance policies max out at 90 days.
• Exclusions and Limitations: Read the policy to understand what’s excluded or limited specifically to cruise-related coverage, such as reimbursements for port closures, itinerary changes, or medical incidents on the cruise.
• Policy Cost: Get multiple quotes and compare each cost and coverage value to ensure you get a good value for your cruise insurance policy.
• Purchase Timeline: You’ll usually need to purchase your cruise insurance within a certain period of booking your trip, so be sure you’re buying your policy within that timeframe.
• Reimbursement Structure: Review the cruise insurance policy to confirm how much you can be reimbursed for under qualifying circumstances, such as if you need to cancel or interrupt your trip.

You can buy cruise insurance from the cruise line when you book, or a travel agent may offer cruise insurance plans. You also have the option to purchase cruise trip insurance independently. It’s a good idea to get multiple quotes to compare your costs and coverage and get the best deal on cruise insurance.

You should buy cruise insurance when you make your first deposit so you’re immediately covered for trip cancellation. Here are some of the options and coverages if you purchase cruise insurance directly from the cruise line:

Before you purchase cruise insurance from a cruise line, compare your third-party options. You can get quotes from multiple travel insurance companies at once using a travel insurance aggregator such as Squaremouth .

Even a meticulously planned cruise can run into unforeseen disruptions — and cruise insurance can come in handy for the unexpected.

Cruise insurance covers you for sudden illnesses, travel delays, and more, offering financial protection so you’re safeguarded against uncertainties. Whether you get cruise insurance from the cruise line or third–party insurance providers, understand your coverage and how it protects your investment in cruise travel.

Frequently Asked Questions

Does my health insurance cover me on a cruise.

Some health insurance policies offer limited coverage on cruises, but coverage often depends on where you’re cruising and your planned activities. Check with your insurance provider about coverage before you depart on your cruise. Find out if supplemental cruise insurance is available if you want to use your existing health insurance coverage.

Are cruises covered under travel insurance?

Cruises are typically covered under travel insurance , so you don’t necessarily have to buy specialized cruise insurance, such as coverage from the cruise line. Travel insurance can cover trip cancellations and interruptions, medical emergencies, lost luggage, and more on your cruise trip.

Can you buy cruise insurance after booking?

You can buy cruise insurance after booking. It’s generally best to purchase cruise insurance as soon as possible after making your initial trip deposit — when you have money on the line. The sooner you purchase cruise insurance, the sooner you’re covered for trip cancellations.

Can you buy medical insurance for a cruise?

You can buy medical travel insurance to cover your medical expenses on a cruise, offering coverage such as medical emergencies, illnesses, and injuries.

How do I add travel insurance to my cruise?

You can add travel insurance to your cruise when you book with the cruise line or a travel agent. Alternatively, you can purchase travel insurance directly from travel insurance agencies.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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• Nationwide Travel Insurance
• AXA Assistance USA
• Seven Corners Travel Insurance
• HTH Worldwide Travel Insurance
• World Nomads Travel Insurance

Cruise Travel Insurance Tips

• Why You Should Trust Us

Best Cruise Insurance Companies of April 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

A cruise vacation can take much of the stress out of planning a vacation. With a pre-set itinerary on the high seas, you don't have to worry about how you're getting to your destination and what you're going to do there. However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best travel insurance coverage that won't leave you high and dry in an emergency.

Best Cruise Insurance Companies

• Nationwide Travel Insurance : Best Overall
• AXA Assistance USA : Best for Affordability
• Seven Corners Travel Insurance : Best for Seniors
• HTH Worldwide Travel Insurance : Best for Expensive Trips
• World Nomads Travel Insurance : Best for Exotic Locations

Compare the Top Cruise Insurance Offers

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

• Cancel for any reason coverage available

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

Cruise Insurance Reviews

Best cruise insurance overall: nationwide travel insurance.

Nationwide Travel Insurance  is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

It has three cruise insurance options: Universal, Choice, and Luxury. The Nationwide Choice plan, for example, offers $100,000 in emergency medical coverage and $500,000 in emergency medical evacuation coverage.

The right plan for you depends on your budget and coverage needs. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship.

Read our Nationwide Travel Insurance review here.

Best Cruise Insurance for Affordability: AXA Travel Insurance

AXA Assistance USA  offers three comprehensive coverage plans: Gold, Silver, and Platinum. Each of these plans offers coverage for issues like missed flights, medical emergencies, lost luggage, and more.

The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.

In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise.

The coverage limits on AXA's policies are on the higher end compared to other providers. And you can buy coverage for a little as 4% of your trip cost depending on your age, travel destination, and state of residence.

Read our AXA Travel Insurance review here.

Best Cruise Insurance for Seniors: Seven Corners Travel Insurance

Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. While other providers do offer coverage to those 80+ years old, Seven Corners is known for its affordable premiums while offering above-average medical expenses and medical evacuation coverage limits — two areas of travel insurance coverage that are even more important as we get older.

Seven Corners also offers the option of a preexisting conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

You can choose between the Trip Protection Basic or Trip Protection Choice plans, with the higher-tier Choice plan costing more but providing more coverage.

Read our Seven Corners Travel Insurance review here. 

Best Cruise Insurance for Expensive Trips: HTH Worldwide Travel Insurance

HTH Worldwide Travel Insurance  offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The higher the tier, the more coverage you'll get for things like baggage delays, trip delays & cancellations, and medical expenses. But their premiums remain reasonable even at the highest tier of coverage.

Not only does the HTH Worldwide Trip Protector Preferred plan offer higher-than-average medical emergency and evacuation coverage limits ($500,000 and $1 million, respectively), but you'll also get a baggage loss coverage limit of $2,000 per person and coverage for trip interruption of up to 200% of the trip cost. You also have the option to add CFAR coverage for an additional cost.

Read our HTH Worldwide Travel Insurance review here.

Best Cruise Insurance for Exotic Locations: World Nomads Travel Insurance

World Nomads Travel Insurance  has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too.

Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. And you'll get higher coverage limits with their Premium Plan. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues.

What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise.

Read our World Nomads Travel Insurance review here.

Introduction to Cruise Insurance

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.

Understanding the Basics of Cruise Insurance

At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage. Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference.

Why Cruise Insurance is Important

Picture this: You're all set for your dream cruise, but a sudden family emergency means you can't set sail. Or worse, you fall ill in the middle of the ocean. Without cruise insurance, you're not just missing out on an adventure, but also facing potentially huge financial losses. That's why securing cruise insurance isn't just recommended; it's a crucial part of your cruise planning.

Types of Cruise Insurance Coverage

Cruise insurance isn't a one-size-fits-all life jacket. There are various types of coverage, each tailored to protect different aspects of your cruise experience.

Trip Cancellation and Interruption Coverage

This coverage is like your safety net, catching you financially if you need to cancel your trip last minute or cut it short due to emergencies, be it due to personal, health-related, or even certain work conflicts.

Medical Coverage

Being on a cruise shouldn't mean being adrift from medical care. Medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances.

Emergency Evacuation Coverage

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.

Baggage and Personal Effects Coverage

Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience.

Buying Cruise Insurance

Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs.

When to Purchase Cruise Insurance

Timing is everything. Purchasing your insurance soon after booking your cruise can often provide additional benefits and ensure you're covered for any early surprises. As you get closer to your trip your coverage options may get more expensive, and certain providers may not be able to offer you coverage.

How to Find the Best Deals on Cruise Insurance

Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like SquareMouth is a good place to compare multiple quotes from all of the major carriers at once.

How to Pick The Best Cruise Insurance for You

When buying travel insurance for a cruise, consider the additional risks that are specific to cruising. These include hurricanes and other weather-related concerns, strict cancellation terms, high pre-paid costs of a cruise, and the distance to emergency medical assistance.

To find the policy that's right for you, it's best to compare several different cruise insurance policies based on the pricing and coverage they provide. Remember too that all reputable insurance providers will offer a "free-look period." This allows you to return the policy you've purchased for any reason, within a specific time period, for a full refund.

The most important coverages to look for in cruise insurance are:

• Medical coverage — This coverage will pay for medical bills outside the US. But because treatment can be more expensive while onboard, make sure your policy offers sufficient coverage ($100,000+).
• Medical evacuation coverage — This coverage will transport you to the nearest hospital or even back home if you become sick or injured during your journey. But an evacuation from sea will be more expensive than one from land. So you'll want to make sure your coverage has sufficiently high limits ($250,000+).
• Missed connection (missed port of call) coverage — This type of coverage will help you catch up to your itinerary if you miss your port of call for a covered reason, like a delayed flight on the way to the airport.
• Coverage for hurricane warnings — With this type of coverage, you don't actually need to be affected by the hurricane. You can cancel and be reimbursed for your trip if the NOAA issues a hurricane warning. If you're cruising anywhere during (or on the tail ends) of hurricane season, this can come in handy. Just note: You can't buy travel insurance to cover a weather event once a storm or hurricane has been named.
• Cancel for any reason (CFAR) — This is the most comprehensive coverage you can get, as it allows cancellations and reimbursement for pre-paid expenses for any reason. This can be a wise add-on for cruise coverage given the often higher prepaid expenses associated with cruising. See our guide to the best CFAR travel insurance options to learn more.
• Preexisting conditions — This coverage ensures that no known health conditions are excluded from coverage. Obtaining a preexisting condition waiver usually requires purchasing your travel insurance soon after booking your trip.
• Personal possessions insurance — Because of the events and fancy dinners cruise ships hold, you might take more valuable clothing or jewelry with you on a cruise. This type of coverage will insure your belongings against loss or theft while cruising.
• Baggage loss and delay — This coverage will reimburse you up to a specified amount for essentials if your bags are delayed or if your bags get lost en route.

As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage. The price will vary depending on factors like your age, your travel destination, and whether you require additional coverage.

If you're booking a cruise, we recommend purchasing travel insurance when you make your first trip payment. That could be for the cruise itself or an expense like airfare to get you to your cruising destination. This way, if you have to cancel your trip, you'll have the most extended coverage period possible.

You can buy your own cruise insurance that isn't offered directly through the cruise line operator. In fact, this could be a better option if you want coverage for your travel to the cruise's departure point, not just for the cruise itself.

The difference between traditional travel insurance and cruise insurance is that cruise insurance offers more specialized coverage, for situations such as missing a departure port and more coverage for medical evacuations, since it's more expensive to evacuate someone at sea than on land. 

Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim, and before you travel so you know what compensation you're entitled to.

Why You Should Trust Us: How We Chose the Best Cruise Travel Insurance

When comparing cruise travel insurance providers, we evaluated them based on the following criteria to come up with our list of top picks:

Customer Satisfaction

We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction. We also look at customer review sites like Trustpilot and SquareMouth.

Policy Types

We look at policy types and offerings, from standard travel protections to adventure sports coverage. We look at the amount of insurance offered

Average Premiums

We compare average premiums per trip. Some companies also offer annual plans, and we compare policies accordingly.

Claims Paid

How frequently do companies pay claims easily and quickly? We check customer reviews and other resources to see which companies honor policies most effectively.

We look at the company's overall behavior. Is it operating ethically? Companies can earn additional points for such behaviors.

You can read more about how Business Insider rates insurance here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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June 1, 2020

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Travel Insurance for Cruises

When experienced cruisers are about to set sail, they choose Allianz Travel Insurance to protect their cruise. Why? Because when you’re at sea, small mishaps quickly become major problems. Travel insurance can help make things right.

If the ship sails without you because your flight to Miami was delayed, travel delay benefits can help you catch up. If you break your leg and have to cancel your trip, the cruise line won't reimburse you—but travel insurance can. And if you suffer a medical crisis on board, travel insurance can cover your evacuation and emergency medical care.

Here’s the best part: Allianz Travel Insurance is much more than cruise travel insurance. Our plans can protect your flights, hotel stays, cruise excursions, and just about any other kind of travel. Learn about the options and insure your next cruise, so you can leave your worries at the dock.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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The 6 Best Cruise Insurance Plans of 2024

Nationwide is our top recommended provider for cruise insurance, offering three tiers of coverage with specific cruise-oriented needs.

Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.

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Based on the MarketWatch Guides industry-wide review, Nationwide offers the best cruise insurance plan. Cruise insurance can help protect your vacation by reimbursing prepaid, nonrefundable expenses if you’re forced to cancel. It can also cover additional expenses you incur unexpectedly on a cruise, including emergency medical bills and costs related to baggage loss.

In this article, we’ll provide comprehensive information on our top picks for cruise insurance plans. We’ll also detail what to look for in a cruise insurance policy, average costs and whether coverage is worth considering.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

The Best Cruise Insurance

Here are our top picks for the best cruise insurance plans:

• Nationwide Travel Insurance : Luxury Cruise
• Faye : Travel Protection Plan
• Berkshire Hathaway Travel Protection : WaveCare ®
• Travelex Insurance: Travel Basic
• AXA Assistance USA:  Gold Plan
• Trawick International: Safe Travels Voyager

How We Ranked the Best Cruise Insurance Companies

Not every travel insurance provider offers coverage suited to cruise vacations. In order to recommend only the best providers to our readers, we looked for the following factors when evaluating coverage options. 

• Cruise-specific plan options: Our team prioritized travel insurance providers that offer cruise-specific plans with coverages not found on standard policies. For example, Nationwide scored highly in our review because it offers policies designed for cruises, covering items like shipboard service disruptions and porting itinerary changes. 
• Medical coverage: If your medical insurance does not cover international medical bills or only offers partial coverage, you may prioritize medical coverage. This protection helps pay for medical care at a local facility if you’re injured on your cruise. Companies with more generous medical coverage limits scored higher in our rankings. 
• Medical evacuation: On a cruise, you may need helicopter evacuation services if a medical emergency occurs and you require serious medical attention or surgery. We prioritized companies offering higher medical evacuation coverages, which could be beneficial depending on how long and far you’ll be from a port while on the cruise ship. 
• Coverage maximums: Some insurance providers have upper coverage limits that reduce their ability to properly insure higher-value cruises. If you’re planning a longer trip or opting for an all-inclusive luxury package, look for a provider that specializes in higher-value coverage options, such as Berkshire Hathaway.
• Cost: Cost is also a top consideration our team took into account when comparing providers. We requested sample quotes from dozens of travel insurance providers and compared price and coverage options to determine the insurer offering the best values. 

To calculate an average travel insurance package cost, we collected quotes for each of the following trips: 

• A 30-year-old couple taking a $5,000 vacation to Mexico City, Mexico
• A family of four taking an $8,000 vacation to Mexico City
• A 65-year-old couple taking a $7,000 vacation to London, U.K.
• A 30-year-old couple taking a $7,000 trip to London
• A 19-year-old taking a $2,000 trip to Paris, France
• A 27-year-old taking a $1,800 trip to Athens, Greece
• A 51-year-old taking a $2,000 vacation to Madrid, Spain

We averaged the cost of travel insurance packages for each provider to find the average price.

How To Shop For Cruise Insurance

According to the Cruise Lines International Association (CLIA) 2023 State of the Cruise Industry Report , cruising continues to be one of the fastest-growing sectors of tourism, with a projected 36 million people choosing a cruise vacation in 2024. While purchasing travel insurance to cover your cruise vacation is a personal decision, there are some coverages to look for that can enhance your policy.

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.

Trip cancellation insurance and interruption coverage can reimburse you if you cancel or cut your cruise short for a covered reason. If you’re concerned about canceling your trip for a reason not listed under a policy’s coverage terms, consider cancel for any reason (CFAR) coverage . If you’re looking at plans explicitly marketed for cruises, you may find special benefits like cruise diversion, cruise disablement and prepaid excursion reimbursement.

Other benefits to look for with a cruise insurance policy include travel delay coverage, baggage insurance and missed connection coverage. If you are concerned about pre-existing conditions or COVID-19 coverage, check if a cruise insurance plan offers these protections as you shop for a policy.

How We Picked the Best Cruise Insurance Companies

To recommend the best providers to our readers, we looked for the following factors when evaluating coverage options for cruise insurance:

• Cruise-specific plan options: Our team sought out travel insurance providers that offer cruise-specific plans with coverages not found on standard policies, such as shipboard service disruption coverage, prepaid excursion reimbursement and more.  
• Medical coverage: This protection helps pay for medical care at a local facility if you’re injured on your cruise. Companies with more generous medical coverage limits ranked higher in our roundup. 
• Medical evacuation: We prioritized companies offering higher medical evacuation coverage, which can benefit you depending on how long and far you are from a port while on the cruise ship.
• Coverage maximums: We considered whether a provider offered higher-value coverage options for travelers planning longer trips or opting for an all-inclusive luxury package.
• Cost: We requested sample quotes from dozens of travel insurance providers and compared price and coverage options to determine the insurer offering the best values.

Top Cruise Insurance Plans at a Glance

*We determined costs by averaging quotes we pulled for four different traveler profiles. Your actual cruise insurance plan costs and CFAR coverage availability will vary.

The Best Cruise Insurance Options

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.

Nationwide Travel Insurance

Pros and Cons

Cruise insurance highlights.

• Nationwide offers plans specifically for cruises with benefits such as shipboard service disruption, prepaid excursion reimbursement and missed connection benefits.
• Cruise-specific policies include medical and non-medical evacuation coverage.
• Nationwide covers up to 100% of your total trip costs for a covered cancellation and up to 150% of your total costs for trip interruption.

Coverage and Cost

Plans and Coverage

Nationwide offers three cruise insurance plans with varying coverage limits. Each plan also includes missed connection coverage and reimbursements for itinerary changes.

Add-On Options

Nationwide allows you to add the following optional coverages to your cruise travel insurance plan:

• Accidental death and dismemberment
• CFAR coverage (up to 75%)
• Vendor financial default coverage
• Preexisting medical conditions coverage waiver
• Rental car collision coverage

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Nationwide’s average trip cost is $182.17.

*A.M. Best ratings accurate as of July 2023

• Faye provides policyholders with a comprehensive mobile app and 24/7 customer service, a potential benefit for travelers at sea and restricted to internet-based communication.
• Covers medical and non-medical emergency evacuation, with medical benefits capped at $500,000 and non-medical at $100,000.
• Faye’s travel insurance plan treats COVID-19 like any other illness, including any required care under its emergency accident and sickness medical expense coverage.

Coverage and Add-Ons

Unlike most competitors, Faye only offers one travel insurance policy with the following included coverages:

It also includes other coverage that could benefit cruise-goers, such as a passport replacement benefit, up to $200 for in-trip inconveniences and protection for sporting equipment.

Optional Add-Ons 

Faye offers the following add-on coverage options — though residents in some states such as New York only have access to limited add-ons.

• Cancel for any reason (CFAR) 
• Rental car damage or theft
• Adventure and extreme sports protection 
• Vacation rental damage protection

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Faye’s average trip cost is $298 .

Berkshire Hathaway Travel Protection

• WaveCare® covers up to 100% of your total trip costs for covered cancellations and 150% of your total trip costs for covered interruptions.
• Berkshire Hathaway’s cruise-specific plan offers coverage beyond the norm, including cruise disablement, cruise diversion and river cruise diversion coverage.
• WaveCare® provides coverage for emergency evacuation and repatriation up to $750,000.

While Berkshire Hathaway offers various travel insurance plans, WaveCare™ is specific to cruise protection. In addition to the coverage outlined in the chart below, this plan also includes $500 in fixed coverage if your cruise ship is disabled.

If you are going on a high-value cruise and would prefer increased coverage limits, Berkshire Hathaway also offers travel insurance plans designed for vacations with expensive inclusions. Its LuxuryCare plans include additional leisure protections, such as concierge services and up to $100,000 in insurance coverage.

Berkshire Hathaway currently offers the following additional coverage options:

• CFAR coverage
• Preexisting conditions waiver

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Berkshire’s average trip cost is $163.

• Travelex offers some of the most affordable plans of the providers on our list, and allows parents to extend coverage to their children for a slightly higher rate.
• Add-on coverages available through the Travel Basic plan include car rental collision coverage and flight accidental death and dismemberment (AD&D).
• The Travel Basic policy has no deductible and is considered a primary coverage plan.

Travelex offers three travel insurance plans that can protect your cruise. 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.

The following add-on coverages are available on Travel Select plans:

• Car rental collision
• Additional medical coverage
• Accidental death and dismemberment (AD&D) benefits for air travel
• Adventure sports coverage

Note that add-on options may be limited for the Travel Basic Plan.

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Travelex’s average trip cost is $242.

AXA Assistance USA

• AXA Assistance’s plans include 24/7 concierge services to help you with travel-related services and emergencies.
• The Gold Plan offers $100,000 in emergency medical coverage, $500,000 in emergency evacuation and 100% trip cancellation coverage.
• Rental car coverage is available through the Gold and Platinum Plans.

AXA Assistance offers three travel insurance plans that you can purchase to protect your cruise. If you are planning sporting or leisurely activities, the Platinum Plan includes daily coverages for lost skier days, lost golf rounds and sporting equipment rentals.

AXA Assistance offers the following optional add-ons for its Platinum Plan:

• Rental car collision waiver

While you can also add rental car collision protection to the Gold Plan, the Silver Plan is not eligible for any add-on coverages.

Based on quotes we obtained using the seven trip profiles outlined in our methodology, AXA’s average trip cost is $265.50.

Trawick International

• The Safe Travels Voyager plan, marketed as Trawick’s most popular cruise insurance coverage, includes 30 covered reasons for trip cancellation.
• Trawick offers various optional add-on benefits, such as CFAR coverage, 24-hour AD&D, trip interruption for any reason (IFAR) coverage and more.
• Trawick provides a stipend for a hospital companion to evacuate with you during a medical emergency.

Trawick has three options for annual cruise insurance, with each plan offering coverage for up to 30 days per trip.

Trawick Travel Insurance does not currently offer add-ons for its annual cruise policies.

Based on quotes we obtained using the seven trip profiles outlined in our methodology, Trawick’s average trip cost is $208.41.

How Much Does Cruise Insurance Cost?

The cost of cruise insurance can vary between customers. The best way to determine what you will pay for your coverage is to get a quote. According to data from Berkshire Hathaway, you can expect to pay between 5% and 10% of your total cruise vacation price for insurance.

To help you get a better idea of what you might pay for cruise insurance, we requested multiple quotes from the providers in our review using various sample traveler profiles. The table below summarizes our findings:

To calculate costs, we collected quotes for each of the following trips and traveler profiles:

• 70-year-old couple taking a $3,000, seven-day cruise in Mexico
• 65-year-old taking a $1,200, five-day cruise in the Bahamas
• 34-year-old couple taking a $6,000, seven-day cruise in Greece
• 21-year-old taking a $900, five-day cruise in the Caribbean

What Affects the Cost of Cruise Insurance?

As with most types of insurance, the cost of a cruise insurance policy will vary depending on your trip and personal details. Some of the most significant factors that insurance providers consider when pricing cruise policies include the following:

• Your age: According to the CLIA, the average age of a cruise tourist is around 46 years old. Travelers above the age of 50 will pay higher rates than younger travelers.
• Total trip cost: Expect to pay more for your insurance if you take a luxury or higher-value cruise trip.
• Total trip length: The number of days you travel likely increases your chances of getting sick or injured, raising your cruise insurance cost.
• Plan type: There are several types of cruise insurance policies. The more protection you need, typically the more expensive your cruise insurance quote.
• Number of travelers: While you can buy a single policy for multiple travelers , each traveler will have their own premium, increasing the total cost of your trip coverage.
• Destination: Destination may affect the cost of your cruise trip insurance, especially when you consider on-shore excursions. For example, if you’re embarking on a cruise to a jungle with adventure-centered excursions, you will likely pay more for coverage than someone taking a cruise to a quiet beach town.

Is Cruise Insurance Worth It?

Determining whether cruise insurance is worth it is a personal decision. Cruises can get expensive quickly, so if you’re embarking on a 14-day international cruise that you’ve spent months saving up for, you may prefer to protect your investment. Spending a fraction of your total cruise expenses on insurance can help prevent you from forfeiting the entire cost of a non-refundable trip should the worst happen.

Angela Borden, a product marketing specialist at Seven Corners, noted that “When you’ve made a financial investment in your trip or need to protect your health when you travel, travel insurance is 100% worth it.” She also pointed out that coverage can help you recoup your expenses if the unexpected happens. 

“Travel insurance can also reimburse you if your belongings are lost, stolen, or damaged and you need to replace them during your trip,” she added. “Again, that’s a financial savings you would have missed out on if you didn’t have travel insurance.”

If you are unsure whether cruise insurance is worth it, we recommend getting a quote from our highlighted insurance providers before you set sail.

Frequently Asked Questions About Cruise Insurance

What should cruise insurance cover.

Cruise insurance should provide you with 100% coverage for trip cancellation and at least 100% trip interruption coverage. Your policy should also include baggage loss, trip delay coverage, medical care and emergency evacuations. 

When should I buy trip insurance for a cruise?

While your trip insurance cost might not increase if you buy a policy at the last minute, it’s best to buy coverage as soon as you make your initial trip deposit. Most insurance companies only allow you to add CFAR coverage a few days after you make your first trip payment. If you’re considering this insurance add-on, buy coverage as soon as possible. 

Do I need special insurance for a cruise?

Whether you need travel insurance specifically for cruises depends on the provider. While some travel insurance companies specify that policies provide coverage even if you’re on a cruise, others may exclude cruises from standard travel plans. For this reason, it’s best to check the terms of your coverage before purchasing a policy. 

Some companies, like Nationwide and Berkshire Hathaway, offer cruise-specific protection plans in addition to standalone travel insurance policies.  

What are the benefits of cruise insurance?

There are multiple benefits to investing in a cruise insurance policy. Cruise insurance provides you with money back for nonrefundable trip expenses, which can help you recoup a portion of your costs if you need to cancel at the last minute. Cruise insurance also provides protection when you’re on a boat and visiting international ports of call, with medical insurance coverage and compensation for travel expenses if you’re forced to evacuate during your vacation.

Does cruise insurance include COVID-19 coverage?

Travel insurance policy purchases have spiked since the COVID-19 pandemic. Most travel policies consider COVID-19 the same as any other illness, which means you may be entitled to use your insurance benefits if you’re hospitalized or cannot travel due to COVID-19. However, this also means that the fear of catching a new COVID strain will not entitle you to use your cruise insurance. 

If you’re concerned about the effect of the coronavirus pandemic on your vacation plan, consider upgrading to CFAR coverage.

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What does cruise travel insurance cover?

Cruise insurance coverage can be customized, but some add-ons can dramatically increase the cost..

Going on a cruise can cost you a pretty penny, so it makes sense to consider cruise insurance to protect your finances if something goes wrong. When you're shopping for a cruise or travel insurance plan , it's important to understand what types of coverage are available and what is covered by different plans. This can help you find the perfect balance between getting the coverage you need and keeping the price of cruise insurance as low as possible.

Here's what you need to know about what cruise insurance covers, how it works and when your travel credit card insurance applies to going on a cruise.

Cruise insurance guide

What is cruise insurance, what does cruise insurance cover, should you buy insurance for a cruise, does credit card travel insurance cover cruising, bottom line.

Cruise insurance is a specific type of travel insurance you can buy to help cover the costs of expenses caused by covered events, such as trip cancellations, delays or medical emergencies. Many general travel insurance policies also cover cruises.

The cost of a cruise insurance plan depends on the types of coverage and coverage limits that are included. For example, some plans offer cancel-for-any-reason coverage (CFAR) , which is an additional cost but allows you to cancel your trip for any reason and be reimbursed a percentage of the cost. If you prefer to have the flexibility of CFAR coverage, AIG's  Travel Guard Preferred plan is CNBC Select's best cruise insurance plan for CFAR coverage. This option provides coverage up to 48 hours before your originally scheduled departure.

Travel Guard® Travel Insurance

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

You can usually purchase cruise insurance directly from the cruise line when you book your trip. Alternatively, you can purchase it separately from a third party. In any case, it's always important to shop around to compare not only prices but also what's covered.

Cruise insurance plans offer a range of coverage options, including:

• Trip interruptions or cancellations
• Trip delays
• Delayed or lost baggage
• Travel to and from the cruise
• Pre-existing conditions
• Medical evacuation
• Emergency medical care
• Missed connections
• Job loss cancellation

There are stipulations, coverage limits and deductibles that can apply. For example, if a pre-existing conditions waiver is offered, you'll typically need to purchase it shortly after booking your cruise and paying for the initial deposit(usually within 2-3 weeks).

Insurance plans have exceptions where the coverage won't apply. If you're injured while intoxicated, don't expect your travel insurance to cover your medical expenses or missed travel. Certain high-risk activities may also be specifically excluded from a cruise insurance plan, such as scuba diving or jet skiing. If you plan on participating in an excursion that isn't normally covered, you'll want to take a look at the World Nomads Explorer Plan , which has a list of hundreds of sports and adventure activities that are covered by the plan.

World Nomads Travel Insurance

World Nomads offers travel insurance for all sorts of travelers, from families to solo adventure travelers. Policies are underwritten by Nationwide and offer strong coverage of emergency accident and illness situations, as well as emergency evacuation scenarios.

Cruise insurance normally costs 3% to 8% of the cost of the cruise, but can be higher if you opt for expensive add-ons, such as CFAR coverage. It's important to shop around to ensure you're getting the coverage you need, the right coverage limits for your trip and the best price. Before you purchase a separate cruise insurance plan, make sure your trip isn't already covered by your credit card or any other travel insurance you may have.

Credit card travel insurance usually covers cruise trips and the travel you book to and from your port of call. For your credit card coverage to apply, you'll need to pay for the trip with an eligible card.

Before you whip out your card and use it to book your trip, double-check that it includes travel insurance and be aware that the level of coverage you get with a credit card won't be as robust as what you can get with a dedicated travel or cruise insurance plan.

That said, one of the best cards for cruise bookings is the Chase Sapphire Reserve® . It offers insurance for trip delays, trip cancellation/interruptions, baggage delays, lost baggage, rental cars, emergency medical and dental, emergency evacuation and travel accidents. It also earns Chase Ultimate Rewards points, which are a valuable type of travel reward you can use to book cruises, flights and rental cars.

Chase Sapphire Reserve®

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

Welcome bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Regular APR

22.49% - 29.49% variable

Balance transfer fee

5%, minimum $5

Foreign transaction fee

Credit needed.

Terms apply.

Read our Chase Sapphire Reserve® review.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Cruise insurance can be a relatively inexpensive investment to protect a costly vacation. Depending on the plan, it covers delays, cancellations, emergency medical and more while you're on a cruise or traveling to and from your cruise. Some cruise insurance plans even offer cancel-for-any-reason coverage, which provides the ultimate flexibility when your plans change. With so many options available, it's important to understand what is and isn't covered by each specific cruise insurance policy.

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Is travel insurance for a cruise worth it? What it covers, and why you should consider it

January 11, 2024 // By Joanne and Tony DiBona

By Joanne and Tony DiBona Travel Photography Experts January 11, 2024

Ocean and river cruises have significantly gained in popularity among all age groups over the past few years. And it's no wonder: It’s a delight to unpack once and watch the world float by from the comfort of your stateroom on the best new cruise ships .

Because of the relaxing nature of a cruise vacation, many people might not think of purchasing travel insurance. But there are many compelling reasons why cruise insurance should be included in your cruise expenditures.

Here are some expert tips to ensure smooth sailing.

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What is covered by cruise insurance?

It is important to review travel insurance coverage advertised by a cruise line or an independent travel insurance company to understand what it does and does not cover. Reading the fine print is paramount. Here’s what to look for.

Trip cancellations

Trip cancellation insurance is a pre-departure benefit that can reimburse a traveler’s trip cost if they need to cancel their trip for a covered reason. Along with the most common reasons travelers cancel their trip (i.e., a medical emergency), most plans offer a wide variety of scenarios that are also covered under this policy. Be sure to verify what, if any, penalties will be applied if you have to cancel your trip.

Cancel for any reason (CFAR)

Cancel for any reason is separate from trip cancellation. This coverage protects the insurer if they have to cancel the cruise for any reason. Policies vary with each insurance company, so make sure you discuss the details with your agent before purchasing signing on the dotted line.

Pre-existing conditions

It is important to check with your travel insurance to know what coverage may be available for a sudden recurrence of a pre-existing health condition, as it might be less than what is covered for a new injury or illness.

Medical coverage

Depending on whether you are sailing nationally or internationally, it’s important to speak to your designated insurance agent to determine the best plan to address your current health issues.

Lost and delayed luggage

Baggage delay coverage allows you to purchase essential items you need for your personal comfort while you are waiting for your bags to arrive at your destination. Most plans offer reimbursement for purchased clothing and essential items if your baggage is lost or stolen, but check beforehand.

What type of insurance do you need for a cruise?

According to Suzanne Morrow, senior vice president of InsureMyTrip , travel health insurance can come in handy for a cruise.

For older folks, it’s important to know that Medicare does not cover health care services when the ship is more than six hours from a U.S. port. Even if you're young and in excellent health, travel health insurance covers a wide range of issues and accidents that can arise — especially while embracing that carpe diem vacation spirit. Polar bear plunge in the freezing waters of Antarctica? Sure! Count me in!

If your medical emergency is serious, it may require an airlift off the cruise ship to the nearest hospital. A medical evacuation alone can cost as much as $100,000 or more. Travel health insurance can greatly reduce this cost.

Opt for CFAR coverage

Morrow also recommends that cruisers purchase travel insurance with CFAR coverage. If you need to cancel a cruise for any reason, CFAR may reimburse you up to 50% to 75% of your prepaid, nonrefundable costs.

Don't assume your policy covers an unexpected trip cancellation unless explicitly defined in your contract. If you aren't sure what is covered, speak with a representative before you elect coverage.

"There may be benefits under travel delay coverage, but that would only reimburse expenses up to the policy max, such as accommodations or food that is purchased during the delay," says Meghan Walch, also of InsureMyTrip.

Does travelers insurance cover flight cancellations?

Last-minute flight cancellations are happening more and more these days. On a recent cruise to Iceland , we were disembarking the ship when we received a text alerting us that our flight home was canceled. Apparently, some flight crew members didn’t report for duty that morning.

We ended up rebooking a direct flight home — at our expense — because the airline’s only offer to stranded passengers was a grueling 27-hour flight itinerary back to the United States.

We had travelers’ insurance, but we discovered — after enduring months of correspondence with the insurance commission after the fact — that insurance companies aren’t liable for canceled flights due to crew not showing up.

Other scenarios are covered by travel insurance, such as weather and mechanical issues, but not this particular situation. This was an important, and costly, lesson learned.

Who offers travel insurance for cruises?

There are dozens of cruise insurance companies out there, so you’ll have to do your homework to find the right one for your situation. To get the maximum value from any travel insurance plan, buy it within 14 days of paying your trip deposit. The earlier you buy cruise insurance, the sooner you are protected.

More cruising tips for smooth sailing

In addition to purchasing cruise travel insurance, there are things you can do before you embark on your dream cruise to ensure smooth sailing.

Arrive at your cruise home port a day in advance

An early arrival at your cruise ship's home port should definitely be on your itinerary. While it may mean using an extra day or two of vacation time, and the expense of overnight accommodations in your cruise port, in this new world of frequent flight delays and cancellations, it can seriously make all the difference as to whether or not you will “miss the boat.”

Cruise with carry-on luggage only

Most cruise lines offer free laundry facilities on each deck, or you can use the sink and bathroom drying lines in the bathroom (one good reason to put clothespins on your cruise packing list ), so it’s smart to pack light and take advantage of these amenities. It will save you time and trouble not having to check bags.

If you must check bags, travelers’ insurance can come in handy should your luggage never make onto the ship.

We experienced this scenario when an aunt and niece on a Seine river cruise lost their luggage on their flight from the Midwest to Paris. They were finally reunited with their luggage — weeks later at home.

Cruise insurance would have paid for replacement clothing, either bought on board or in the port towns along the cruise route.

About Joanne and Tony DiBona

With hundreds of cruises under their belt, Joanne and Tony DiBona always purchase cruise insurance prior to any voyage.

Read more about Joanne and Tony DiBona here.

Connect with Joanne and Tony via: Website | Facebook | Instagram | Twitter | Pinterest

Understanding What Travel Insurance Covers

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• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Get Travel Insurance Quotes Online

Protect your trip with the best travel insurance . Compare travel insurance quotes from multiple providers with Squaremouth.

What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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