Buying Cruise Travel Insurance

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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