Find the Best Cruise Travel Insurance

Cruisers can expect to pay between 5-10% of their insured trip costs on a comprehensive travel insurance plan. Costs and coverage limits can vary significantly from one policy to the next, so it's best to compare plans before making a purchase decision.

The cost of cruise travel insurance varies based on a variety of factors:

• Total Trip Cost: The sum of your prepaid, non-refundable trip expenses that you plan to insure.
• Type of Coverage: The kind of trip insurance policy you purchased, such as single-trip or an Annual plan.
• Length of Your Trip: The amount of days you will be traveling, starting from the day you leave home for your trip.
• Traveler Age: In general, older travelers experience higher travel insurance premiums.
• Coverage Amounts: Policies with higher coverage limits may result in more expensive premiums.

Get a quote today to see pricing for your specific cruise.

Cruise insurance provides financial protection for travelers if their travel plans are impacted before or during their cruise. Most comprehensive travel insurance policies provide coverage for common travel disruptions, including unexpected cancellations, medical bills, travel delays, missed connections, and personal items. Coverage limits, exclusions, and premiums differ by policy.

For many cruisers and senior travelers, travel insurance is worth it for the peace of mind alone. If things don't go according to plan, travel insurance can protect you from serious financial loss. In addition to well-rounded benefits, most cruise insurance plans also include 24 Hour Travel Assistance and other insurance services to support you before and during your cruise.

While medical insurance is rarely a requirement for cruises, it is almost always recommended.

Most primary health insurance plans won’t cover medical emergencies that occur outside of the United States of America. For cruisers especially, this can result in extremely high out of pocket expenses if an unforeseen injury or illness occurs if they don’t have a travel medical insurance policy.

For the best coverage, Squaremouth recommends comprehensive travel insurance plans that include at least $100,000 in Emergency Medical coverage and at least $250,000 in Medical Evacuation coverage. Those with pre-existing medical conditions should also consider plans that offer Pre-Existing Condition Coverage waivers.

While you can buy travel insurance up until the day before you leave for their cruise, we recommend buying a policy directly after making your initial first trip deposit. For most cruisers, their first trip payment will likely be their cruise reservation, flights, or hotel accommodations.

This approach offers the most coverage, and allows you to purchase time-sensitive benefits and add-ons like Cancel For Any Reason coverage (CFAR) coverage and Pre-Existing Condition waivers. Purchasing cruise travel insurance early does not necessarily impact your premium.

Wave Season is the period of time at the beginning of the year, typically from January to March, where cruise lines offer their best deals and promotions. Wave Season is regarded as the best time of the year to make cruise bookings due to the savings on offer. Many cruisers also choose to purchase cruise insurance during this time to ensure their trip is protected.

Yes, many comprehensive travel insurance policies cover trip cancellations under specified circumstances, such as sudden illness, injury, or death of the insured or a family member, natural disasters, or unexpected work obligations. Most policies that include the Trip Cancellation benefit offer 100% reimbursement for all prepaid, non-refundable trip costs.

From scuba diving in the Caribbean sea to riding ATVs through the mainland, excursions offer a chance to experience destinations included in your itinerary. Travel insurance can cover these expenses through the Trip Cancellation, CFAR, or Trip Interruption benefits should you need to cancel your plans. If you plan on partaking in more extreme excursions, you will need to find a policy that explicitly includes Sports & Activities coverage.