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

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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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For river cruises, Squaremouth recommends the same medical coverage as we do for an ocean cruise, which is at least $250,000 per person in Medical Evacuation and at least $100,000 per person in Emergency Medical coverage. Medical Evacuation can cover an evacuation to the nearest adequate medical facility. Emergency Medical can reimburse the cost of unexpected medical treatment incurred while you’re traveling.

With a Trip Cancellation policy, you can insure your river cruise and any other prepaid and non-refundable expenses, such as airfare, hotel accommodations, tours, and excursions. The Trip Cancellation and Trip Interruption benefits can reimburse you for canceling or interrupting your trip for a covered reason, including illness, injury, or death of you, a traveling companion, or a family member.

Travel Delay and Missed Connection benefits can reimburse your meals, accommodations, and local transportation if your trip is unexpectedly delayed by at least 3-12 hours for a covered reason. Common covered reasons include mechanical breakdown of a common carrier or a delay due to inclement weather. These benefits can also cover the additional costs for you to catch up to your cruise after a 3-12 hour delay.

This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available 24/7 and are delighted to help.


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