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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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 on, customers should 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. 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.


Squaremouth compares travel insurance policies from every major travel insurance provider in the United States. Using Squaremouth's comparison engine and third-party customer reviews, travelers can research and . More information can be found at

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