Best Cruise Travel Insurance Plans for 2026

Travel Insured International
FlexiPAX

4.4

(4,220 reviews)

• Medical / Med Evac Coverage
  $100,000 / $500,000

• Cancellation / Interruption Limits
  100% / 150%

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Why Our Customers Like This Plan

• Exceeds our recommended coverage limits for cruises, offering $100,000 of Emergency Medical coverage & $500,000 of Medical Evacuation coverage

• Features ‘Free Coverage for Kids’ that allows each adult to insure up to 9 children at no additional cost, which is the most generous cost-savings for families available on the market

• Covers up to $100,000 in prepaid travel expenses per person, making it a great option if your trip involves high upfront costs

• One of the few policies that offers both CFAR & IFAR coverage, which has become increasingly popular in 2026 given global events

Travel Insured International’s FlexiPAX is one of the most frequently purchased policies on Squaremouth thanks to its high value for the money, ample benefits, and flexible coverage options. FlexiPAX is an ideal policy for families thanks to its ‘Free Coverage for Kids’, but also for those looking for robust coverage at affordable prices.

This policy provides comprehensive coverage of up to $100,000 of Emergency Medical coverage and $500,000 of Medical Evacuation coverage, which exceeds our minimum recommended amounts for cruises. Coverage limits for most benefits can be increased through FlexiPAX’s unique “upgrade bundles,” helping families further enhance and customize their cruise protection.

For cruisers who prioritize adjustable benefit levels and add-ons, FlexiPax also stands out for offering some of the most adaptable coverage among policies on our site, including both CFAR and IFAR coverage. These optional coverages allow you to cancel your trip or interrupt your trip for any reason at all, including commonly excluded reasons like military action and airspace closures (e.g., recent events in Mexico, Venezuela, & the Middle East).

Additionally, this plan offers exceptional value if you’re traveling with kids under the age of 18, as they can be insured for no additional cost.

Best Trip Delay Coverage

John Hancock Insurance Agency, Inc.
Gold

4.16

(1,459 reviews)

• Medical / Med Evac Coverage
  $250,000 / $1,000,000

• Cancellation / Interruption Limits
  100% / 150% of trip cost

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Why Our Customers Like This Plan

• Offers the shortest waiting period for travel delay protection at 3 hours, providing up to $2,000 per person in coverage

• Provides $1,000 per person to cover additional transportation expenses if a delay results in a missed port of call or flight connection

• Covers 100% of trip costs for cancellations in the event of significant delays, ensuring reimbursement if plans change unexpectedly

John Hancock’s Gold policy comes in as the top travel insurance plan for travel delays. Travel delays can also cause missed connections, and this policy shines for its coverage in both of these areas.

It provides up to $2,000 of reimbursement for travel delays, kicking in after just a 3-hour delay. It also offers $1,000 of missed connection coverage for both cruises and tours.

Both of these benefits are offered at higher than average levels, and although other policies on this list offer the same limits, this policy is often more affordable, making it a great option for travelers with complex itineraries who need robust protection for possible delays or missed connections. Additionally, you’ll get 100% trip cost reimbursement protection for trip cancellations and 150% for trip interruptions. You’ll also receive solid medical protection of up to $250,000 for medical emergencies and $1,000,000 in emergency medical evacuations.

Compare Costs for the Best Cruise Insurance Plans

The cost of cruise insurance varies based on your trip details, coverage amount, and number of travelers in your group. To give you a clearer idea of what to expect, we used data from our comparison tool to generate sample quotes for the top cruise insurance plans in 2026.

The table below outlines estimated costs for a weeklong Bahamas cruise, broken down by traveler type.

Plan	Solo Traveler Age(s): 25 Trip Cost: $2,500	Couple Age(s): 35 Trip Cost: $5,000	Family Age(s): 45, 45, 12, 10 Trip Cost: $10,000
iTravelInsured Choice	$65	$156	$305	Get Quotes
Luxury	$75	$154	$343	Get Quotes
Cruise	$135	$308	$578	Get Quotes
iTravelInsured Choice Cruise	$92	$204	$230	Get Quotes
Gold	$117	$261	$467	Get Quotes
Trip Protection Choice	$123	$326	$572	Get Quotes
FlexiPAX	$91	$200	$200	Get Quotes
Gold	$141	$336	$618	Get Quotes

Methodology: ⌄

The table above reveals that TIn Leg Luxury offers some of the most affordable coverage if you’re traveling alone or with a significant other. Despite its low premiums, this comprehensive policy exceeds our minimum coverage recommendations for the Emergency Medical and Medical Evacuation benefits.

On a similar note, both IMG’s iTravelInsured Choice plan and Travel Insured International’s FlexiPAX plan offer the greatest value for families. This is due to the providers’ generous family-friendly travel insurance pricing structure, which allows you to add children under the age of 18 to your plan at no additional cost.

Compare Popular Benefits for The Top Cruise Insurance Plans

The table below shows how these policies compare side by side when it comes to coverage for the most popular travel insurance benefits among cruisers.

As the table highlights, all of the top-rated providers on this page include high Emergency Medical and Medical Evacuation coverage limits. A clear standout in these categories, however, is Seven Corners Trip Protection Choice. However, a plan that offers up to $1,000,000 in medical evacuation coverage may not be necessary if you’re planning a quick cruise or a cruise that doesn’t include multiple days at sea.

All policies on this page feature comparable Trip Cancellation and Trip Interruption benefits. Strong coverage in this department will ensure your prepaid, non-refundable travel expenses are safe in the event you’re forced to cancel or interrupt your trip for a covered reason.

If you’re planning to fly to your cruise port, then delay and baggage protection may be a priority. In this case, John Hancock Gold can provide the protection you need. While it is one of the most expensive policies on this page, it includes some of the highest Travel Delay and Baggage Loss coverage available on the Squaremouth platform.

Compare Customer Satisfaction Ratings

After cost and coverage, provider reputation is the third most important consideration for travel insurance customers. That’s why we ask every customer to review their experience with a provider before, during, and after their trip.

From pre-trip assistance to how providers handle claims, we break down the average customer satisfaction scores for each of the top-rated cruise insurance providers.

Methodology: ⌄

According to the table above, Tin Leg offers among the best customer service before, during, and after a trip. Having a provider that delivers top-notch support at every stage of your journey gives you peace of mind that help is available when you need it most.

Seven Corners and John Hancock received the lowest scores for post-trip customer service, which generally reflects the level of service they provide when it comes time to file a claim. While low scores don’t necessarily mean your claim will be denied, they may suggest slower response times and delays in processing reimbursements.

For a deeper dive into what customers are saying, you can visit our reviews pages, where we break down ratings and share detailed feedback for every insurer on our marketplace.

How Reliable Are The Top Cruise Insurance Providers?

You can purchase coverage from any of these insurers with confidence, knowing that claims are handled fairly and customer concerns are taken seriously.

The two most common measures of reliability for cruise insurance providers are:

• A.M. Best financial strength ratings, which assess the insurer’s ability to pay claims
• BBB ratings, which reflect how providers handle customer complaints

As shown in the table below, every cruise insurance plan on this page comes from a reputable, reliable provider with high BBB and AM Best Ratings.

Note: Tin Leg Plans are underwritten by a few different underwriters, which is why certain plans have different ratings.

Apart from these third-party rating systems, our own product team carefully vets every travel insurance company that we list on Squaremouth to ensure we only work with the most trusted providers.

Additionally, every policy on our site is also backed by our Zero Complaint Guarantee to ensure all claims are handled fairly and honestly.

Which Cruise Plan is Right For Me?

All of the top travel insurance plans for cruises offer strong protection for medical emergencies and unexpected cancellations. However, since no two cruise trips are identical, it’s important to consider your unique travel plans when choosing a policy.

If none of the plans on this page provide the coverage you need, we recommend using your trip details to find additional quotes on Squaremouth.

IMG – iTravelInsured Choice: Best for Well-Rounded Coverage

If you simply want the strongest overall cruise insurance coverage, consider the iTravelInsured Choice plan by IMG. This policy has all of the key benefits cruisers need to set sail with peace of mind, including sufficient coverage amounts for cancellations, medical events, flight or cruise delays, and luggage, plus the option to add even more flexibility with CFAR and IFAR. Regardless of your age and destination, iTravelInsured Choice is a top-tier option for any cruise vacation.

Tin Leg – Luxury: Best Value Cruise Coverage

For affordable cruise protection that includes strong medical coverage, we suggest Tin Leg Luxury. Despite having “luxury” in its name, this well-rounded plan is consistently among the least expensive comprehensive trip protection options available on the Squaremouth marketplace. It comes standard with high coverage limits for Emergency Medical and Medical Evacuation benefits, making it a strong choice if you’re setting sail on the high seas, where medical treatment can be expensive.

Tin Leg Luxury is also known for its strong cancellation reimbursement limits, covering up to $100,000 in prepaid, non-refundable travel expenses if you need to cancel your cruise for a covered reason. This can come in handy if you’re insuring a luxury cruise or
traveling with a large group.

Seven Corners – Cruise: Best Coverage for Cruise-Specific Disruptions

If you want a policy that’s specifically built with benefits for cruise vacations, we recommend Seven Corners’ Cruise plan. This policy is one of the few travel insurance policies on Squaremouth designed with the sole intent of covering cruise passengers at sea. It features a host of unique benefits, such as Cruise Diversion and Cruise Disablement protection, which provide reimbursement if your cruise is diverted to a port not on your itinerary or breaks down while at sea.

This cruise plan also includes up to $1,500 in coverage if you miss your cruise departure, which is among the strongest protections for this benefit of all the top cruise plans. This policy is one of the more expensive plans for cruisers, so it may not be the best option for you if you’re on a tight budget.

IMG – iTravelInsured Choice Cruise: Best for High-End Cruise Trips

IMG’s iTravelInsured Choice Cruise plan is among the most popular options among travelers insuring luxury and high-cost cruise vacations through Squaremouth. This is in large part due to its robust cancellation benefits, especially when it comes to cruise-specific scenarios. For example, this plan covers trip cancellations due to excessive water levels and cruise port closures, neither of which are covered by IMG’s standard iTravelInsured Choice plan. This plan covers up to $10,000 in prepaid trip costs per person, making it a solid option if your cruise vacation includes high non-refundable upfront costs.

Tin Leg – Gold: Best Coverage for Medical Emergencies

If you’re looking for a well-rounded cruise insurance plan with industry-leading medical coverage, we suggest opting for Tin Leg’s Gold plan. This comprehensive policy is consistently among the best-sellers on Squaremouth because it offers strong coverage across the board at a reasonable price point. Some key highlights include up to $500,000 in Primary Emergency Medical and Medical Evacuation coverage, which is great coverage if your trip involves cruising to remote destinations.

Tin Leg Gold also includes strong Trip Cancellation coverage, protecting up to $30,000 in prepaid, non-refundable trip costs if you’re forced to cancel your trip due to illness, injury, or another covered reason. Tin Leg is also one of the highest-rated providers on our platform, which can be a huge asset if you need support before, during, or after your cruise.

Seven Corners – Trip Protection Choice: Best Coverage for Evacuations

For the strongest combination of built-in evacuation coverage, a great option is Trip Protection Choice by Seven Corners. This comprehensive plan offers up to $500,000 in Emergency Medical coverage and $1,000,000 in Medical Evacuation, which is the highest combined medical coverage of any comprehensive plan found on Squaremouth. Trip Protection Choice also offers generous coverage for Non-Medical Evacuations, ensuring you’re covered in the event of a natural disaster while cruising.

Travel Insured International – FlexiPAX: Biggest Savings for Families

If you’re taking a cruise with family, consider FlexiPAX by Travel Insured International. This plan is a hit for many reasons. For families specifically, it offers great value due to its family-friendly pricing, which lets you cover children under the age of 18 at no additional cost. FlexiPAX also comes standard with solid, well-rounded coverage that can be enhanced further through curated policy upgrades, referred to as “bundles.” This empowers you to increase coverage limits for important benefits for a small fee.

This plan also lets you include add-ons, such as Cancel for Any Reason, Interruption for Any Reason, and Rental Car Damage protection within your coverage during the checkout process. This flexibility can be a huge benefit, as taking a cruise with family can be full of unexpected twists and turns.

John Hancock – Gold: Best Coverage for Cruises That Involve Flights

If you’re concerned about delays or baggage issues impacting your cruise, look no further than John Hancock Gold. Specifically, this policy is one of the few on Squaremouth that provides trip delay coverage after just three hours. In contrast, the majority of plans require at least a six-hour delay before you are eligible for reimbursement. Smaller delay windows increase the likelihood of being covered when delays result in financial loss.

John Hancock’s Gold plan also features up to $2,500 in coverage for Baggage Loss claims, which can be useful if you’re a heavy packer or just want to protect the items you’re traveling with. This plan is a great option if you’re flying to your cruise port and want to protect yourself from common flight-related disruptions.

FAQs: Top Cruise Insurance Plans