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.

In response to the Covid-19 Pandemic, some cruise lines, including Royal Caribbean and Carnival, began requiring unvaccinated travelers to purchase a travel insurance policy with specific amounts of Emergency Medical coverage.

Receiving treatment from an onboard physician or a foreign hospital in a remote location can be more expensive than your at-home doctor, so we recommend at least $100,000 per person in Emergency Medical coverage for cruisers.

Emergency Medical can reimburse the cost of unexpected medical treatment incurred while you’re traveling. This benefit can reimburse treatment for an illness or a disease diagnosed by a licensed physician, but will not provide coverage for routine checkups, physicals or regularly issued medications.

When searching for a policy on, customers can select the “Cruise” filter on the search results page to see policies that include our recommended coverage for Emergency Medical and Medical Evacuation for cruises.

This information can vary based on the travel insurance policy. If you have questions about a specific policy, please contact our licensed travel insurance experts. Squaremouth’s award-winning customer service team is available from 8am to 10pm ET, seven days a week, by chat and by phone at 800-240-0369.

Notes to editors

About Squaremouth: has insured over 2 million travelers. Using Squaremouth’s intuitive quoting and comparison engine, award-winning support team, and verified customer reviews, travelers can save time and money to find the best travel insurance policy for their trip.

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