Taking a cruise remains one of the most popular vacation options for travelers around the world. Recent data from the Cruise Line Industry Association shows two-thirds of all travelers would consider taking a cruise, while an even higher share of those who disembarked from one in the past six months say they would do it again. Because cruise ships spend most of their time at sea, travelers should always consider cruise travel insurance as part of their vacation plans.
Finding the best cruise insurance for your next vacation isn’t a difficult task. The experts at Squaremouth have ranked the best travel insurance for cruises based on several factors, including total sales, average premium prices, and customer satisfaction.
Year over year, Trawick International plans continually rank among the best cruise insurance plans. With an average premium of around $285, many of their plans offer generous limits. Key benefits include 100% Trip Cancellation coverage and Trip Delay benefits if a common carrier is stopped for six hours. Early purchase benefits including Pre-Existing Condition Waivers and Travel Provider Financial Default.
One of the reasons Tin Leg ranks high among the best travel insurance for cruises is because of the Emergency Medical benefits. In addition to offering high coverage limits, most plans offer Primary Emergency Medical with zero deductible and 24 hour accidental death and dismemberment coverage, helping travelers save money if they get injured or seriously ill while on their cruise. If revoked vacation time forces them to cancel their cruise, Cancel for Work Reasons coverage is available as an early purchase option.
Seven Corners is among the best choices among travel insurance for cruises because of the multiple add-ons. Alongside Trip Cancellation and Trip Interruption coverage, travelers can add Cancel for Any Reason and Trip Interruption for Any Reason benefits. These options can help travelers recover a part of their non-refundable trip costs if they decide not to travel or take an early return.
With an average premium around $114.29, it’s easy to see why Global Underwriters is among the most affordable travel insurance plans for cruises. The policy built for U.S. residents offers up to $50,000 of Emergency Medical coverage, with an option for Home Country Coverage. Travel delays are also covered under this plan, making it a top choice for the frugal cruise traveler.
GeoBlue remains one of the best cruise insurance plans for travelers who are primarily concerned about paying for medical care. At an average premium of $176.91, GeoBlue plans offer up to $1 million in Emergency Medical coverage, with deductibles as low as $100. Most plans also include up to $500,000 in Emergency Medical Evacuation coverage. Unlike most health only plans, GeoBlue also offers benefits for Trip Interruption, Baggage Delay, and Baggage Loss.
Travel Insured International ranks on our list of best travel insurance for cruises with full-service benefits at a lower price. At the average premium of $328, this provider has the only budget cruise insurance plan offering Trip Cancellation and Trip Interruption. Travelers who buy their plan within 14 days of their first deposit can qualify for a Pre-Existing Condition Waiver and add Cancel for Work Reason benefits.
Not only does Seven Corners offer some of the most flexible travel insurance plans for cruises, but they also have some of the best benefits specifically built for cruises. The Round Trip Economy and Round Trip Elite plans offer an air only change fee benefit, covering up to $75 if you are forced to switch flights for your trip, while the Round Trip Choice plan offers up to $200 of coverage if you need to change travel arrangements for a reason covered by trip cancellation or trip interruption.
Itinerary changes can happen on any trip for any reason, ranging from bad weather to an unexpected shift at home. TravelSafe has specific benefits for those unforeseen circumstances, ranking them among the best travel insurance for cruises. The Classic and Classic Plus plans offer up to $250 in itinerary change coverage, allowing travelers to recover some of their prepaid activity costs if a travel provider change forces them to miss a planned event, and the provider cannot provide a comparable activity of equivalent cost to replace it.
Trawick International consistently ranks among the best travel insurance for cruises for their dedication to the traveler. In addition to all of their other coverage options, the Safe Travels Annual Deluxe and Safe Travels Annual Executive also offer an itinerary change benefit. If a travel provider makes a shift which forces a cruiser to miss a prepaid activity or shore excursion and does not reschedule it for later, these plans may offer up to $300 in coverage per trip. To qualify, the cruise line or travel supplier must provide verification.
Health concerns can affect older travelers at any time, which is why Trawick International ranks as one of the best cruise travel insurance options for seniors. Missed Connection coverage begins after a 3 hour delay, which may help travelers if they don’t get to the ship on time. If a doctor orders a medical evacuation, Trawick International plans offer Medical Evacuation & Repatriation coverage starting at up to $500,000. Cancel for Medical Reasons is a covered reason for Trip Cancellation and Trip Interruption, allowing seniors to recover non-refundable costs if a condition forces their trip to end.
Seven Corners is among the best cruise travel insurance for seniors because of the many add-on options available. Early purchase benefits include Cancel for Any Reason or Interruption for Any Reason options. In addition, Cancel for Medical Reasons is covered by both Trip Cancellation and Trip Interruption. If a senior needs to be airlifted from their cruise due to an emergency illness or injury, Seven Corners plans offer Medical Evacuation and Repatriation Coverage starting at up to $250,000.
Tin Leg ranks with the best cruise travel insurance for seniors for the number of plans available and the common benefits. Medical Evacuation & Repatriation benefits start at $250,000, and Pre-Existing Condition Waivers are available on most plans as an early purchase benefit. And if you’re unsure about taking that trip, Cancel for Any Reason coverage can be added to most plans.
When it comes to family travel, Trawick International is a top pick among the best travel insurance for cruises. In addition to Emergency Medical coverage starting at $150,000 maximum per person, families can add additional coverages for their extended vacation. Options include Rental Car Damage coverage and Cancel for Any Reason. Plan benefits may also be extended until everyone is able to return home, making it easier to keep the family together.
Because family travel is often unpredictable, Travel Insured International offers a wide range of benefits, making them one of the best travel insurance options for cruises. All plans include Primary Medical Coverage for everyone on the policy, while Cancel for Medical Reasons are covered under the Trip Cancellation and Trip Interruption benefits. Pre-Existing Condition Waivers are also available as an early purchase benefit.
Tin Leg plans rank in the best cruise insurance for families because of their wide range of plans. No matter which plan your family chooses, Medical Evacuation and Repatriation coverage begins at a maximum of $200,000. Cancel for Medical Reasons are also included under most Trip Cancellation and Trip Interruption benefits.
Every traveler’s insurance needs are different. Because cruises embark to remote places, travelers aboard face the potential for higher-than-normal expenses. That’s why it’s critical to understand how travel insurance benefits for cruises affects your situation.
The good news is that buying travel insurance is a simple and straightforward process. By comparing benefit levels, everyone can get the right plan which balances budget with benefits. Cruisers should keep these travel insurance benefits in mind:
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