Cruise travel insurance

Get cruise travel insurance with extra coverage to before you travel the high seas.

Cruise Ship Insurance
Getting the right travel insurance for your trip is important, especially when you’re embarking on a cruise. From on-board medical expenses to missed departures and severe weather conditions, cruises can be affected by unique risks.

Cruise insurance is a smart choice because it provides financial protection against a variety of risks, including medical care, emergency medical evacuation, inclement weather and lost baggage, allowing you to travel the wide ocean with peace of mind.

While most cruise lines offer their own insurance policies, you can typically get a better value if you purchase coverage from a travel insurer. Standalone cruise insurance policies tend to offer higher benefits and additional coverage options, often for a cheaper price.

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Details Features
Seven Corners Trip Protection Insurance
Seven Corners Trip Protection Insurance
Travel with a smile - protect your trip cost, your medical expenses, & your belongings.
  • Emergency Accident & Sickness Medical Expenses up to $250,000
  • Trip Cancellation – 100% of Trip Cost
  • Trip Interruption – up to 150% of Trip Cost
  • Political Evacuation - $20,000
  • Lost, Stolen or Damaged Baggage – up to $2,500
  • Emergency Medical Evacuation – up to $1 million
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Travelex Travel Max
Travelex Travel Max
TravelEx's most comprehensive protection plan for the comprehensive traveler. Offers optional Cancel For Any Reason upgrade.
  • Trip Cancellation - 100% of Insured Trip Cost
  • Trip Interruption - 150% of Insured Trip Cost
  • Trip Delay - $1000
  • Medical Expense Benefits - $100,000
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RoamRight Travel Insurance Essential
RoamRight Travel Insurance Essential
RoamRight’s Essential travel insurance package can be broken down into three critical parts: Trip Cancellation insurance, tourist health insurance, and baggage insurance.
  • Cancellation Cover - 100% Cost of Trip
  • Emergency Medical Expenses - $15,000
  • Emergency Evacuation and Repatriation - $150,000
  • Baggage and Personal Effects Cover - $750
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STA Travel Standard International
STA Travel Standard International
Get affordable cover for the essentials of options with STA's mid-level cover policy. This option will still provide up to $1500 in luggage cover and up to $100,000 in medical cover.
  • Trip Cancellation Cover - 100% of trip cost insured up to $10,000
  • Emergency Medical Expenses Cover - Up to $100,000
  • Baggage and Personal Effects - Up to $1,500
  • Trip Delay - Up to $500
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RoamRight Travel Insurance Preferred
RoamRight Travel Insurance Preferred
As the name implies, the Preferred package provides coverage for most trips and vacations.
  • Cancellation Cover - 100% Cost of Trip
  • Emergency Accident & Medical Expenses - $50,000
  • Emergency Evacuation and Repatriation - $500,000
  • Accidental Death and Dismemberment - $10,000
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Travelex Cancel for Any Reason
Travelex Cancel for Any Reason
Cancel For Any reason upgrade available with the Travel Max plan. Cancel for any reason - no questions asked.
  • Reimburses up to 75% of the insured trip cost
  • 100% cover if delayed to departure and loose at least 30%
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Atlas Travel
Atlas Travel
Provides customizable coverage for specific losses. Cover can be tailored to provide a balance between the basic essentials and premium cover.
  • Illness and Injury Cover - Up to $1 million
  • Emergency Medical Evacuation - Up to $1 million
  • Lost Checked Luggage - Up to $500
  • Travel Delay - $100/day up to 2 days
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Atlas Premium
Atlas Premium
Provides quality cover for a range of benefits with higher cover limits. Premium plan is perfect for travellers with health concerns looking for total protective cover.
  • Illness and Injury Cover - Up to $2 million
  • Emergency Medical Evacuation - Up to $1 million
  • Lost Checked Luggage - Up to $1,000
  • Travel Delay - $200/day up to 2 days
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Travelex Flight Insure Plus
Travelex Flight Insure Plus
Provides option to choose between different levels of flight insurance protection.
  • Flight Accident AD&D - Up to $1 Million
  • Baggage - $2,000
  • Medical Expense Benefits - $2,500
  • Medical Evacuation / Repatriation - $25,000
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STA Travel Explorer Plus
STA Travel Explorer Plus
Get premiere cover for a whole range of options with STA's premium policy. This option will still provide up to $100,000 in medical expense cover and up to $3,000 in cancellation cover.
  • Trip Cancellation Cover - $3,000
  • Emergency Medical Expenses Cover - Up to $100,000
  • Baggage and Personal Effects - Up to $2,500
  • Trip Delay - Up to $1,000
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Allianz Domestic Travel Insurance
Allianz Domestic Travel Insurance
Allianz Domestic Travel Insurance makes sure you are covered incase your planned trip unexpectedly goes awry.
  • Trip coverage - Depends on plan
  • Baggage coverage - Up to $1,000
  • 24-hour hotline assistance
  • Existing medical coverage - Up to $500,000
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Allianz International Travel Insurance
Allianz International Travel Insurance
If you frequently travel abroad and want extra coverage in case you get sick, injured, or need to cancel your trip, Allianz International Travel Insurance is the perfect solution.
  • Trip coverage - Depends on plan
  • Baggage coverage - Up to $1,000
  • 24-hour hotline assistance
  • Existing medical coverage - Up to $1,000,000
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What are the cruise-specific features?

  • Emergency medical evacuation. If the medical crew can’t give you the care you need on the ship, you’ll be covered for travel off the ship to a medical facility — some policies let you choose.
  • Return home early. If you need to cut your trip short for any reason and abandon your cruise, cruise insurance will cover the transportation costs to get you home.
  • Port of call change. If the cruise provider changes your cruise itinerary before departure and you choose to continue with your cruise, your policy will cover you for any inconvenience.
  • Shipboard service disruption. If a fire, virus or mechanical breakdown forces the cruise line to change your itinerary after the cruise has begun, your policy will compensated for the inconvenience.
  • Pre-paid excursion reimbursement. You’ll be compensated for your pre-paid excursions if the itinerary is changed by the cruise line after departure.
  • Missed cruise departure. If bad weather causes your flight to be delayed and you miss your cruise, you’ll be compensated for the cost of rejoining your ship.
  • Non-medical evacuation. If you need to leave your trip for reasons because of a natural disaster or civil unrest, you’ll be reimbursed for the cost of transportation home or to the nearest safe place.
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What else does travel insurance cover on a cruise?

Comprehensive travel insurance policies typically offer the following benefits:

  • Overseas medical expenses. Coverage for the emergency medical, hospital, surgical and ambulance costs if you fall ill or are injured overseas.
  • Emergency medical evacuation. Coverage if you need to be transported to a properly equipped medical facility.
  • Trip cancellation and curtailment. If you have to cancel or cut your vacation short, you’re covered for cancellation fees and deposits for travel, accommodation and tours.
  • Trip interruption. You’re covered for travel, accommodations and meals if your trip is interrupted by events beyond your control — like a medical emergency.
  • Baggage loss. If your baggage is lost, stolen or damaged during your journey, you’re covered for the cost of its repair or replacement. You can increase your protection to include coverage for phones, cameras and laptops.
  • Financial default. If you have to cancel your trip because of financial default of a travel supplier, travel insurance provides financial protection.
  • Baggage delay. If your luggage is misplaced or misdirected, you’ll be paid an emergency allowance to buy essentials like clothing and toiletries.
  • Travel delay. When bad weather, stolen passports or traffic accidents delay your travel plans, you’re covered for additional travel, food and hotel.
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How does missed cruise departure coverage actually work?

Nearly every cruise insurance policy will offer cover you for missed cruise departure. Under this benefit, you’ll be covered for the costs incurred to catch up to your cruise if you miss its departure.

However, your reason for missing the cruise needs to be covered by the plan. Usually policies will cover for reason like bad weather that causes your connecting flight to be delayed, or if a traffic accident prevents you from catching your cruise ship on time.

In these circumstances, you’ll be covered for the money you spend to catch your cruise, accommodations, food and pre-paid, nonrefundable trip payments for the portion of your cruise that you miss.

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Will I still be covered for other losses with a cruise policy?

If you’re considering a cruise insurance policy but you’re unsure if it will offer the benefits of a standard travel insurance policy. Cruise insurance offers all the usual features of a travel insurance policy, but includes additional benefits to provide much-needed coverage when cruising, including:

  • Trip cancellation and interruption.
  • Medical and hospital expenses.
  • Emergency medical evacuation.
  • Lost, stolen, and delayed baggage and personal items.
  • Lost and stolen passports.
  • Travel delay.
  • Financial default.

But you’ll also get the coverage you need to protect you during your cruise, including missed cruise departure, shipboard service disruption and more.

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How is cruise insurance different than insurance offered by the cruise line?

When you book your cruise vacation, you could be offered insurance when you book. While purchasing insurance directly from a cruise line may seem convenient, You’ll save money if you buy coverage from a travel insurance provider.

Cruise line insurance plans can be limited and come with a range of restrictions, such as:

  • Low benefit limits for emergency medical assistance, treatment and transportation.
  • Minimal covered events for trip cancellation or trip interruption claims.
  • No coverage if your tour supplier or cruise line operator goes bankrupt.

You’ll have better coverage for a lower rate if you purchase your insurance directly from a provider. Start comparing cruise insurance policies at finder.com to find the travel insurance protection that’s perfect for your needs.

Compare cruise travel insurance policies from US insurers

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