Cruise Travel Insurance Plan
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"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." A comprehensive travel insurance plan will package additional benefits such as travel delay insurance, baggage insurance and missed connection travel insurance. Generali’s Premium policy provides very good benefits at a decent average price.
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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. While standard travel insurance plans are meant to cover one-time trips, frequent travelers should consider an annual travel insurance plan. These plans cover the same issues as a single-trip plan, such as trip cancellation and emergency medical situations. But they also offer the convenience of a one-time purchase for multiple trips.
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What does cruise travel insurance cover typically?
A travel insurance policy can protect you from a variety of unexpected circumstances while you're traveling. One benefit that cruise travel insurance policies offer that credit cards don't is the ability to cancel for any reason. Although you may not get back 100% of the cruise price, these policies allow you to cancel for any reason and get a portion of the price back as a credit toward a future trip. If the policy is priced low enough, it may be worth buying the insurance offered through your cruise line for that benefit alone. Our top-scoring cruise travel insurance plans do not have a deductible for any type of coverage, including travel medical insurance. Due to the unique nature of traveling by cruise ship, travel insurance is strongly recommended for all travelers.
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The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. This is a general representation of coverage and some benefits may differ based on your quoted information or not be available if all eligibility requirements aren’t met. Cruise Line coverages are based on platinum (not standard) policies.
How You’re Getting There
Cruise insurance costs will generally depend on your age and the cost and length of your trip. These upgrades are especially good for the traveler who has put down substantial prepaid, non-refundable deposits. Travelers who plan to participate in extreme sports or adventure excursions should consider buying a plan that covers these activities, as they’re often excluded. If your trip is interrupted or canceled due to severe weather, you can file a claim and be reimbursed 100% for prepaid, non-refundable deposits. Cruises often give travelers the chance to experience multiple destinations plus enjoy onboard entertainment, activities and dining for a set, all-inclusive price. Cruises simplify budgeting in a year when travel prices have been hard hit by inflation.
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. 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.
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. 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. There are other respected insurance options like Travel Guard, which has policies specifically geared toward cruise trips. SafeCruise from VisitorsCoverage is another plan that is designed for cruise travel, and it includes an upgrade for a partial Cancel For Any Reason reimbursement.
If things don't go according to plan, travel insurance can protect you from serious financial loss. In addition to well-rounded benefits, most cruise insurance plans also include 24 Hour Travel Assistance Services to support you before and during your cruise. Cruisers will likely discover that comprehensive travel insurance plans aka 3rd party travel insurance available on InsureMyTrip will offer far more coverage options, often at a lower price. IMG’s iTravelInsured Travel Lite, with options for winter, adventure, and extreme sports, can give you the coverage you need.
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If you need to make a claim, our team can support you in the process and advocate on your behalf if necessary. The 24/7 travel assistance lines that are included with travel insurance can assist you with finding a pharmacy, language translation, replacing a lost passport and much more. If you won’t be near any quality medical facilities, even a small injury could turn into a major medical event. Medical evacuation coverage will pay to medevac you to an adequate facility.
Cruise insurance can pay for you to rejoin the cruise if you can’t board on time because of an issue covered by the policy, such as severe weather. Medical evacuation travel insurance covers the costs to get you to the nearest adequate medical facility or even back home if it’s medically required. Your travel insurer’s emergency assistance team can also help arrange for the medevac. Below you’ll see examples of cruise insurance costs for the best cruise insurance policies. We offer unbiased plan comparisons from the top travel insurance companies in the industry. We use customer-generated reviews and an advanced recommendation engine to help you find the right plan.
Canceling for reasons that aren’t listed in the policy isn’t covered, unless you have already purchased a CFAR upgrade. This typically reimburses you 75% of trip costs, as long as you cancel at least 48 hours before your departure. This will reimburse you for unused trip costs if your trip is cut short because of illness, injury, death, a family emergency back home or other reasons. Trip interruption insurance can also pay for the extra expenses of a trip interruption, such as a one-way plane ticket home on short notice. AXA’s Platinum plan hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including non-medical evacuation coverage and baggage insurance.
With early purchase benefits and optional add-on coverages, you can customize the plan and coverages you need for your cruise vacation. At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every cruise insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. See our methodology for more information on how we choose the best cruise insurance plans.
A common question we receive is "how late can I purchase my travel insurance?" We recommend purchasing early, ideally after making your first payment towards your trip. Some benefits are time-sensitive, such as coverage for pre-existing medical conditions or the optional Cancel for Any Reason benefit. And while some plans offer post-departure benefits or can be purchased last minute, we advise not to wait to start comparing travel insurance plans.
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