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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The Emergency Medical benefit can reimburse you for medical expenses incurred while traveling. A covered sickness is an illness or disease that occurs during a covered trip and is diagnosed by a licensed physician. Squaremouth recommends a policy with $100,000 in Emergency Medical coverage for cruisers.

The Medical Evacuation benefit can transport you to the nearest adequate medical facility, and back home if deemed medically necessary. For a cruise, we recommend a policy with $250,000 of coverage for Medical Evacuation.

Once your cruise departs, the Trip Interruption benefit can reimburse your prepaid and nonrefundable trip expenses if you miss a portion of your cruise for a covered reason, including:

  • Illness, injury or death of you, a traveling companion, or a family member
  • Inclement weather that causes a common carrier delay of 12-48 hours
  • A terrorist incident that occurs within 7-30 of your departure in or near a city listed on your itinerary
  • Direct involvement in a traffic accident on your way to the point of departure
  • Bankruptcy or financial default of a travel supplier

Other benefits, including Baggage and Personal Items Loss, Travel Delay, or Missed Connection are also likely to be included by a comprehensive travel insurance policy. Check each policy’s details for specifics about these benefits.

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: Squaremouth.com 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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