Articles & Press Releases

Buying Cruise Travel Insurance

  • What kind of travel insurance do I need for a river cruise?

    Travelers who want to insure the cost of a river cruise should look for Trip Cancellation style policies. Those who are only concerned with medical coverage can save money by not insuring a trip cost, and rather looking for a policies with only Medical, Medical Evacuation and other benefits. Travelers who are concerned about both should look for a comprehensive policy.

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  • Do I need to buy a special kind of policy for a cruise?

    You do not need to buy a special kind of policy for a cruise, but there are certain benefits cruisers should look for when comparing policies.

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  • How do I get Pre-Existing Condition coverage for my cruise?

    Pre-Existing Condition coverage is a time-sensitive benefit that is available on some policies within 14-30 days of your initial booking date.

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  • How much medical coverage do I need for a cruise?

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    Squaremouth recommends a policy with $100,000 per person in Emergency Medical coverage for travelers going on a cruise.

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  • How much evacuation coverage do I need for a cruise?

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    Squaremouth recommends a policy with $250,000 per person in Medical Evacuation coverage for travelers going on a cruise.

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  • My cruise is traveling to several countries. Will I be covered in all of them?

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    Travel insurance is designed to cover travel to multiple destinations worldwide, although some policies may exclude coverage in certain destinations.

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  • What expenses should I insure for my cruise?

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    You have the option to insure all, some, or none of your expenses on a standard Trip Cancellation policy. This can include your cruise expenses, including excursions, as well as trip expenses outside your cruise, like any related flight and hotel costs.

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  • When do I need to buy travel insurance for my cruise?

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    Standard Trip Cancellation policies can be purchased up until the day before you leave home for your cruise. However, some cancellation and medical benefits are time-sensitive and are only available within a specified period after your first booking date, typically 14 - 30 days from the initial booking.

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  • See all 10 FAQs
  • How much does cruise travel insurance cost?

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    Travel insurance purchased through third-party providers outside of your cruise typically costs around 5-7% of your trip cost. Insurance coverage purchased directly through the cruise line varies.

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  • What kind of travel insurance coverage do I need for a cruise?

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    Travelers who want to insure the cost of a cruise should look for Trip Cancellation style policies. Those who are only concerned with medical coverage can save money by not insuring a trip cost, and rather, looking for a policy with only Medical, Medical Evacuation and other benefits. Travelers who are concerned about both should look for a comprehensive policy.

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Coverage Before the Cruise

  • Can I cancel my cruise because of a hurricane?

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    Hurricanes and inclement weather that impact your cruise can be covered reasons to cancel your trip.

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  • Can I cancel my cruise because of the Zika virus?

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    Concern over the Zika virus is not a covered reason to cancel your cruise on standard Trip Cancellation policies.

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  • What if my bags are delayed on the way to the port?

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    If your bags are delayed by a specified period of time on the way to the port, you can be covered to buy clothing, toiletries, and other essential items.

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  • What if I am delayed and miss my cruise departure?

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    If your common carrier is delayed and you miss your cruise departure, you can be reimbursed for meals and accommodations during the delay, as well as additional costs to catch up to your cruise. If your delay meets the requirements under the Trip Cancellation benefit, you may also be covered to cancel your trip altogether and be reimbursed 100% of your prepaid and nonrefundable trip cost.

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  • When does travel insurance coverage begin?

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    Trip Cancellation coverage begins the day after a policy is purchased. Other benefits, like Travel Delay and Missed Connection, also begin before departure. Emergency Medical, Medical Evacuation, and other benefits are designed to begin when you leave home for your trip.

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  • Am I covered if my cruise line changes the itinerary?

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    Travel insurance purchased outside of your cruise line does not provide coverage in the event the cruise line changes your itinerary.

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Coverage During the Cruise

  • Am I covered if my cruise ship returns early?

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    If your cruise ship returns early, you may be covered by the Trip Interruption benefit.

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  • What if I need to be evacuated from the cruise ship?

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    The Medical Evacuation benefit covers the transportation costs if you require evacuation from a cruise ship. This evacuation must be recommended by the physician on board and should be coordinated with the travel insurance provider.

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  • What if I get sick during my cruise?

    If you get sick during your cruise, you should see the shipboard physician who will be able to recommend treatment, or order your disembarkment. Covered illnesses or injuries can be reimbursed under the Emergency Medical benefit.

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  • What does travel insurance cover during the cruise?

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    Emergency Medical and Medical Evacuation benefits are the most popular amongst travelers looking for coverage on a cruise. Other benefits, like Trip Interruption and Missed Connection are also available.

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Help Videos

 

Am I covered if my cruise ship returns early?

 

How much medical coverage do I need for a cruise?

 

What expenses should I insure for my cruise?