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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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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 is time sensitive and may change or vary based on the travel insurance policy. If you have questions about a specific policy, please contact us directly. Squaremouth’s team of licensed travel insurance experts is available 24 hours a day, 365 days a year by chat and by phone at 1-800-240-0369.

Notes to editors

About Squaremouth: 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 compare travel insurance policies side-by-side. More information can be found at www.squaremouth.com.

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