Although your cruise may be forced to divert due to the coronavirus and your itinerary is not what you initially expected, travel insurance policies typically do not cover this situation.
As long as your cruise still disembarks, even if the route changes, travel insurance likely will not cover you for an itinerary change. Only one travel insurance policy on Squaremouth.com – Arch RoamRight Elite – includes coverage for an itinerary change within Trip Interruption.
With this policy, if the itinerary change happened prior to your departure, or if you’re already traveling but the itinerary change occurs as a precaution, there is likely no coverage. If you’re already traveling and the change occurs because the city is quarantined, there may be coverage.
This information may vary based on the travel insurance policy. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET, seven days a week, and are delighted to help!