Infectious Diseases

If I’m booking a future cruise, what coverage should I purchase?

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Major cruise lines have announced they plan to resume sailings as early as August 1. Travelers planning to book a cruise when cruise lines resume sailing can still buy a policy for COVID-19 concerns, however, coverage is very limited and varies by provider.

If medical coverage is your primary concern, some travel insurance providers offer coverage if you contract the virus while cruising. This can include Emergency Medical coverage to cover the costs of treatment, and Medical Evacuation coverage to cover the costs of an evacuation, if medically necessary. The providers that may offer this coverage include:

  • April Travel Protection (Pandemic policy)
  • Berkshire Hathaway Travel Protection
  • Generali
  • INF
  • Seven Corners
  • Tin Leg (Economy, Standard, Luxury, Adventure, and USA Only policies)
  • Travelex Insurance Services

If Trip Cancellation is your primary concern, some travel insurance providers do not consider contracting an illness as foreseen, even during a global pandemic like the coronavirus outbreak. In this case, Trip Cancellation benefits can still apply if a traveler contracts the virus or is physically quarantined.

The following providers may still provide this coverage:

  • April Travel Protection (Pandemic policy)
  • Berkshire Hathaway Travel Protection
  • Tin Leg (Economy, Standard, Luxury, and Adventure policies only)
  • Travelex Insurance Services

As the economic impact of the pandemic continues to affect travel suppliers, more travelers are concerned about future travel supplier closures. These travelers can purchase a policy that includes Trip Cancellation coverage for “Financial Default”. This benefit can reimburse a traveler’s trip costs if their airline, cruise line, or other travel supplier goes insolvent or completely suspends their operations, as long as the traveler buys their policy within 10-21 days of their initial trip booking and meets their policy’s wait period, which is typically 10-14 days after the policy has been purchased.

In all other cases, we recommend a policy with the Cancel For Any Reason benefit.

This benefit partially reimburses you to cancel your trip for a reason that is not otherwise covered, such as fear of traveling.

This is a time-sensitive upgrade. Most policies with Cancel For Any Reason can only be purchased within 14-21 days of the first payment towards the trip. However, if you are taking a cruise, select cruise only policies offer Cancel For Any Reason anytime before you’ve made your final trip payment.

In order to be eligible for the Cancel For Any Reason benefit, you must insure your entire trip cost. In order to cancel under this benefit, you must cancel your trip in its entirety at least 2 days before your scheduled departure date. This benefit can reimburse up to 75% of your trip cost, and typically increases a policy’s premium by about 40%.

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! We are working to answer customer calls and emails as quickly as possible. We apologize for any delays and appreciate your patience.


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