Best Cruise Insurance Plans for 2026
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Last Updated: January 27, 2026
Key Takeaways
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After analyzing all eligible policies on Squaremouth, we found that IMG, Tin Leg, & Seven Corners offer the best cruise insurance policies.
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All of the top plans on our list offer comprehensive protection for accidents and illnesses that occur at sea or on land, and come with robust medical coverage that you need for a cruise.
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All of these plans also have excellent ratings from AM Best and the Better Business Bureau, plus customer satisfaction ratings of 4+ stars.
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Travel insurance plans are often cheaper and more comprehensive when purchased from an independent insurer, rather than buying directly from the cruise line.
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We recommend using our cruise insurance quote tool to compare plans and prices from multiple providers at once, or speak with an agent at 1-800-240-0369.
The Most Popular Cruise Insurance Plans
Many providers on Squaremouth offer strong coverage for high-seas adventures, but Travel Insured International stands out as our top pick for cruise insurance for 2026. Here is a look at all of the best cruise insurance plans for this year, by category.
- Best Overall Cruise Travel Insurance, IMG – iTravelInsured Choice
- Most Affordable Coverage, Tin Leg – Luxury
- Best Cruise-Specific Benefits, Seven Corners – Cruise
- Best Plan for Luxury Cruises, Tin Leg – Cruise
- Best Medical Coverage, Tin Leg – Gold
- Best Medical Evacuation Coverage, Seven Corners – Trip Protection Choice
- Most Flexible Coverage Options, Travel Insured International – FlexiPAX
- Best Travel Delay Coverage, John Hancock – Gold
- Best Plan for Seniors, IMG – iTravelInsured Choice
- Best Plan for Families, Travel Insured International – FlexiPAX
Unlike other websites, our list is built around real customer purchase habits. These plans are among the top-selling policies on Squaremouth’s marketplace. Our team of editors reviewed each plan versus competing plans on our marketplace to assign an award based on policy highlights.
To ensure transparency and independence in selecting our travel insurance award winners, we base our decisions solely on Squaremouth marketplace sales data from the previous month, without any influence from insurance companies, business relationships, affiliates, or other external parties.
See the full criteria of our awards system below.
- Best Overall Cruise Travel Insurance: Over 500 sales, cruise filter selected, sorted by the highest to lowest number of policies sold.
- Most Affordable Coverage: Over 500 sales, cruise filter selected, sorted by average premium from lowest to highest.
- Best Cruise-Specific Benefits: Over 100 sales and the policy with the most cruise-specific benefits.
- Best Plan for Luxury Cruises: Over 100 sales, cruise filter selected, trip costs ≥ $15,000, sorted by policies sold.
- Best Medical Coverage: Over 100 sales, cruise filter selected, primary medical filter selected, sorted by emergency medical coverage from highest to lowest.
- Best Medical Evacuation Coverage: Over 100 sales, cruise filter selected, sorted by medical evacuation coverage from highest to lowest.
- Most Flexible Coverage Options: Over 100 sales, cruise filter selected, change in itinerary, CFAR, and IFAR filters selected, sorted by policies sold.
- Best Travel Delay Coverage: Over 100 sales, cruise filter selected, sorted by travel delay coverage from highest to lowest.
- Best Plan for Seniors: Over 100 sales, cruise filter selected, primary medical and pre-existing condition filters selected, travelers aged 60+, sorted by policies sold.
- Best Plan for Families: Over 100 sales, cruise filter selected, number of travelers ≥ 3, sorted by policies sold
The Best Cruise Insurance Plans in Detail
Best Overall Cruise Insurance
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
The most popular cruise travel insurance plan on Squaremouth’s platform, selected by 22% of cruisers
Features strong medical benefits that meet or exceed our recommendations for cruisers, with $100,000 in primary Emergency Medical coverage and $500,000 in Medical Evacuation coverage
Generous 21-day window to buy Pre-Existing Condition coverage, compared to the standard 14-day period most providers offer
Gives you the option to upgrade to include Cancel For Any Reason (CFAR) and Interruption For Any Reason (IFAR), providing the most cancellation flexibility on the market
Solid comprehensive benefits for the most common cruise disruptions, including trip cancellations, travel delays, missed connections, and luggage
Also, our top cruise insurance option for senior travelers
IMG’s iTravelInsured Choice is our choice as the best cruise travel insurance plan due to its strong coverage in all areas. This plan boasts full Trip Cancellation and Trip Interruption protection, solid medical coverage amounts, and comprehensive coverage for other key concerns. Plus, with the option to add CFAR and IFAR, this can be the most flexible travel insurance plan available.
The medical coverage amounts included within this plan, while lower than some other top cruise options, are sufficient to cover both domestic and international cruises. This plan’s medical coverage is primary, allowing you to claim directly with IMG instead of having to go through your main health insurance company first. This creates a more streamlined process, with faster claim payouts.
Most Affordable Cruise Insurance
Medical / Med Evac Coverage
$100,000 / $250,000Cancellation / Interruption Limits
100% / 150% of trip cost
Balances affordability and coverage at about $100 per trip, 71% less expensive than the average $350 cruise policy, making it the best budget-friendly option
Meets our recommended coverage amounts for cruisers, with $100,000 in Emergency Medical Coverage and $250,000 in Medical Evacuation coverage
While this plan is cost-friendly, it still covers 100% of prepaid, non-refundable trip expenses up to $100,000, and includes Travel Delay and Missed Connection benefits
Tin Leg Luxury is the most affordable cruise coverage plan, offering affordable premiums while maintaining high-quality coverage. This plan is ideal if you’re looking for strong medical and cancellation protection at an affordable price point. Tin Leg Luxury also includes high reimbursement rates if you experience trip delays, which can be beneficial if you plan on flying to your cruise port or final destination.
Best Cruise-Specific Benefits
Medical / Med Evac Coverage
$250,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
One of five plans with Itinerary Change coverage, reimbursing you up to $500 if you are forced to miss an excursion or planned activity
The only plan on Squaremouth that offers coverage specifically for cruise diversions or cruise disablements
Reimburses up to $250 per day, up to a maximum of $1,500, if you miss your tour or cruise departure due to a 3+ hour delay in reaching your destination
High medical coverage limits of $250,000 for Emergency Medical and $500,000 for Medical Evacuation, exceeding typical cruise recommendations
Strong medical coverage limits of $250,000 for Emergency Medical and $500,000 for Medical Evacuation, exceeding Squaremouth’s recommendations for most cruisers
We chose Seven Corners’ Cruise plan as the best travel insurance plan with cruise-specific benefits because it features a wide range of coverage options specifically designed for cruisers. Unique benefits like Itinerary Change, Travel Inconvenience, and Missed Tour or Cruise Connection set this plan apart from others as a top option for cruisers. In addition, the plan offers comprehensive coverage, with protection against cancellations and travel delays, along with high medical coverage limits that exceed Squaremouth’s typical cruise recommendations.
Best Plan for Luxury Cruises
Medical / Med Evac Coverage
$100,000 / $250,000Cancellation / Interruption Limits
100% / 150% of trip cost
Strong comprehensive coverage for your cruise costs, with 100% coverage for Trip Cancellation and 150% for Trip Interruption
Optional upgrades for Cancel For Any Reason and Interruption For Any Reason, the most flexible cancellation benefits available
Covers up to $30,000 in trip costs per traveler, great for expensive luxury cruises
Offers $100,000 in Emergency Medical and $250,000 in Medical Evacuation, meeting our cruise travel insurance recommendations
We chose Tin Leg Cruise as the best luxury cruise insurance due to its strong cancellation benefits, with high coverage limits for expensive trips. Luxury travelers prefer this plan because it offers complete cancellation protection, primary medical reimbursement, and the opportunity to upgrade the plan with CFAR and IFAR coverage. Plus, with solid medical coverage limits and coverage for delays, missed connections, and luggage, this is a complete option for luxury cruisers to consider.
Best Medical Coverage
Medical / Med Evac Coverage
$500,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Offers the highest Emergency Medical Coverage among comprehensive plans, with $500,000 in coverage, plus $500,000 in Medical Evacuation coverage
One of only 5 primary medical plans in our marketplace that offers at least $500,000 in Emergency Medical coverage
Ideal for at-risk travelers, with pre-existing condition coverage included for travelers who purchase within 14 days of their trip deposit
With some of the strongest medical coverage of any comprehensive travel insurance plan, Tin Leg Gold is our choice as the best plan for cruisers seeking high medical coverage amounts. This plan is ideal if a main concern of yours is medical coverage while away from home, particularly if you have pre-existing medical conditions. The plan offers $500,000 in Emergency Medical coverage, exceeding industry standards. Additionally, it provides $500,000 in Medical Evacuation coverage to transport you to the nearest hospital if necessary, which is critical in emergencies. Unlike many options with secondary coverage, Tin Leg Gold delivers primary coverage, resulting in a quicker and more efficient claims process, and less paperwork to deal with.
Best Medical Evacuation Coverage
Medical / Med Evac Coverage
$500,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
Industry-leading Medical Evacuation coverage of $1,000,000, the highest limit for comprehensive plans in our marketplace, makes this plan ideal for cruises to remote ports
Offers $500,000 in Emergency Medical coverage, exceeding our recommended coverage amount for cruisers
As an added plus, this plan offers cancellation and interruption benefits, with the flexibility to add CFAR and IFAR options
We selected Trip Protection Choice as the best Medical Evacuation cruise plan. Offering $1,000,000 in coverage, it provides among the highest Medical Evacuation on the market and is ideal if your cruise is taking you to remote areas with limited facilities. Additionally, it provides $100,000 in Emergency Medical coverage for unexpected expenses abroad.
Beyond its top-tier medical benefits, this plan stands out for its optional CFAR upgrade, which permits cancellations for any reason, unlike standard insurance, which only addresses specific issues. This flexibility is crucial if unexpected situations arise that prevent you from traveling, allowing you to recover up to 75% of prepaid costs. Similarly, IFAR coverage lets you interrupt your trip for a reason not already covered by Trip Interruption coverage. Priced at an average of $530 per trip, Seven Corners offers excellent value with reliable medical evacuation, flexibility, and comprehensive protection.
Most Flexible Coverage Options
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Offers optional Cancel For Any Reason (CFAR) coverage within 21 days of the trip deposit, as opposed to the standard 15 days offered by most providers
One of only 9 Squaremouth plans to offer the Interruption For Any Reason (IFAR) upgrade, covering you to cut your cruise short for any reason and return home early
Provides up to $200 in reimbursement for change fees if your travel supplier alters your travel arrangements
We chose Travel Insured’s FlexiPAX as the best provider for flexibility because it offers the most adaptable cruiser coverage. The plan’s optional CFAR upgrade, available within 21 days of deposit, allows you to cancel for any reason, while the IFAR upgrade allows you to interrupt your trip anytime. With these options, FlexiPAX ensures you’re covered if your plans change, no matter the reason. This gives you ultimate peace of mind and extensive flexibility for unforeseen circumstances.
Best Travel Delay Coverage
Medical / Med Evac Coverage
$250,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
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
Due to its high reimbursement limits and broad trip protection benefits, we selected John Hancock’s Gold policy as the top travel insurance plan for travel delays. This plan provides generous benefits at an average of $450 per trip. It provides up to $2,000 in reimbursement for unforeseen delays, with a daily maximum of $200 per person, kicking in after a 3-hour delay. It ensures stress-free travel, offering cruise passengers $1,000 in missed connection coverage, 100% trip cancellation, and 150% trip interruption coverage. In addition to best-in-class delay benefits, this plan offers impressive medical protection, with $250,000 in Emergency Medical coverage and $1,000,000 in Medical Evacuation coverage.
Best Plan For Seniors
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Provides significant medical benefits that meet our senior travel insurance coverage recommendations, with $100,000 in Emergency Medical and $500,000 in Medical Evacuation coverage
Primary medical coverage enables a quicker, smoother claims process, without the involvement of Medicare
Offers reliable travel insurance with no age restrictions, allowing you to benefit from the plan’s generous coverage limits regardless of your age
Covers pre-existing conditions if purchased within 21 days, while many plans only offer this coverage option for 15 days
IMG’s iTravelInsured Choice plan offers the coverage seniors need when taking a cruise. Also, our overall winner, this plan is strong in all areas important to older travelers. It features comprehensive coverage for cancellations, medical emergencies, travel delays, and luggage.
With $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation, this plan has sufficient medical coverage for all types of cruises. As long as you buy within 21 days of making your trip deposit, your pre-existing conditions can be covered. Plus, with primary medical benefits, any claims can bypass Medicare or any other health insurance plans you have, and can be filed directly with IMG, making for a less frustrating and smoother process overall.
Best Plan For Families
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Features the most generous coverage for families taking a cruise, with ‘Free Coverage for Kids’ pricing that allows each adult to insure up to 9 children at no additional cost
Offers comprehensive coverage and flexibility at an average of $513 per trip, making it ideal for families who are willing to pay for strong coverage for the most common concerns
Offers $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage, exceeding our recommended amounts for families taking a cruise
Trip Cancellation protection covers 100% of prepaid, non-refundable trip expenses for the entire family
Travel Insured International’s FlexiPAX is the top choice in our marketplace for families, thanks to its comprehensive coverage, flexibility, and generous benefit limits for the most likely travel disruptions for families. For approximately $513 per trip, this plan offers exceptional value if you’re traveling with multiple kids under the age of 18, as they can be insured for no additional cost.
With $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage, this plan exceeds our recommended amounts for comprehensive plans. Thus, the whole family can travel peacefully if medical attention is needed.
Costs for the Best Cruise Insurance Plans
According to a recent Squaremouth survey, roughly 30% of travel insurance customers prioritize price when comparing plans. In most cases, purchasing a policy from an independent insurer, like the ones we list on this page, is more cost-effective than buying one directly from the cruise line.
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 our comparison platform 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 |
Couple |
Family |
|
|---|---|---|---|---|
$64.82 |
$156.16 |
$304.66 |
Get Quotes | |
$81.00 |
$166.00 |
$371.00 |
Get Quotes | |
$135.00 |
$308.00 |
$578.00 |
Get Quotes | |
$116.50 |
$260.98 |
$467.12 |
Get Quotes | |
$92.00 |
$274.00 |
$458.00 |
Get Quotes | |
$123.00 |
$326.00 |
$572.00 |
Get Quotes | |
$141.00 |
$336.00 |
$618.00 |
Get Quotes | |
$91.00 |
$200.00 |
$200.00 |
Get Quotes |
The above prices are examples of a sample quote for a generic traveler profile and destination. The actual price you pay will vary based on your age, trip length, trip cost, destination, state of residence, and more. We provide these prices for example purposes only. For exact pricing, get a quote using your unique trip details.
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, Travel Insured International’s FlexiPAX plan offers the greatest value for families. This is due to the provider’s generous family-friendly travel insurance pricing structure, which allows you to cover up to 9 children under the age of 18 at no additional cost. Not to mention, FlexiPAX offers substantial medical coverage and ample opportunities for customization through add-ons and policy upgrades.
Cruise Insurance Benefits for the Top Plans
Medical care or emergency evacuations at sea can come with extremely high costs. The CDC reports that the cost of medical evacuations and repatriation services may exceed $250,000, especially if your cruise ship is far from the nearest port.
On top of that, cruise vacations often involve significant upfront expenses, such as airfare, cruise packages, and excursions, that are at risk if your trip is disrupted.
For that reason, the best cruise insurance plans will feature strong travel medical coverage of at least $100,000 in Emergency Medical and $250,000 in Medical Evacuation, plus generous cancellation protection. Plans that include high reimbursement rates for delays and baggage-related benefits can also provide peace of mind knowing you’re covered if your cruise takes an unexpected turn for the worse.
The table below shows how these policies compare side by side when it comes to coverage for in-demand benefits.
| Travel Insurance Benefit | IMG Choice |
Tin Leg Luxury |
Seven Corners Cruise |
Tin Leg Cruise |
|---|---|---|---|---|
| Emergency Medical | Up to $100,000 | Up to $100,000 | Up to $250,000 | Up to $100,000 |
| Medical Evacuation | Up to $500,000 | Up to $250,000 | Up to $500,000 | Up to $250,000 |
| Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Trip Interruption | 150% of trip cost | 150% of trip cost | 150% of trip cost | 150% of trip cost |
| Travel Delay | $1,000 per person after a 6-hour delay | $2,000 per person after a 6-hour delay | $1,000 per person after a 6-hour delay | $2,000 per person after a 6-hour delay |
| Missed Connection | $500 per person after a 6-hour delay (Cruise and tour only) | $100 per person after a 3-hour delay | $1,500 per person after a 3-hour delay (Cruise and tour only) | $500 per person after a 3-hour delay |
| Baggage Loss | $1,000 per person | $500 per person | $2,000 per person | $500 per person |
| Baggage Delay | $300 per person after a 6-hour delay | $200 per person after a 24-hour delay | $100 per person after a 6-hour delay | $500 per person after a 24-hour delay |
| Tin Leg Gold |
Seven Corners Trip Protection Choice |
John Hancock Gold |
Travel Insured International FlexiPAX |
|
|---|---|---|---|---|
| Emergency Medical | Up to $500,000 | Up to $500,000 | Up to $250,000 | Up to $100,000 |
| Medical Evacuation | Up to $500,000 | Up to $1,000,000 | Up to $1,000,000 | Up to $500,000 |
| Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Trip Interruption | 150% of trip cost | 150% of trip cost | 150% of trip cost | 150% of trip cost |
| Travel Delay | $500 per person after a 6-hour delay | $2,000 per person after a 6-hour delay | $1,000 per person after a 6-hour delay | $1,000 per person after a 6-hour delay |
| Missed Connection | $1,500 per person after a 3-hour delay (Cruise and tour only) | $500 per person after a 3-hour delay | $1,500 per person after a 3-hour delay (Cruise and tour only) | $500 per person after a 3-hour delay |
| Baggage Loss | $500 per person | $2,500 per person | $2,500 per person | $1,000 per person |
| Baggage Delay | $200 per person after a 24-hour delay | $500 per person after a 6-hour delay | $500 per person after a 12-hour delay | $300 per person after a 6-hour delay |
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.
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.
| Customer Satisfaction | IMG | Tin Leg | Seven Corners | John Hancock | Travel Insured International |
|---|---|---|---|---|---|
| Overall Rating | 4.2 / 5 | 4.5 / 5 | 4.4 / 5 | 4.2 / 5 | 4.4 / 5 |
| Customer Service Before a Trip | 4.3 / 5 | 4.6 / 5 | 4.5 / 5 | 4.2 / 5 | 4.5 / 5 |
| Customer Service During a Trip | 3.6 / 5 | 4.1 / 5 | 3.9 / 5 | 3.7 / 5 | 4.1 / 5 |
| Customer Service After a Trip | 3.3 / 5 | 4.1 / 5 | 3.5 / 5 | 3.5 / 5 | 3.7 / 5 |
We based the ratings in the above chart on verified customer reviews and rounded them to the nearest decimal. All ratings were valid when we published them, but they may change as new reviews come in.
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?
Our expert product team carefully vets every travel insurance company that we list on Squaremouth to ensure reliability. Every policy on our site is also backed by our Zero Complaint Guarantee to ensure all claims are handled fairly and honestly.
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, and BBB ratings, which reflect how providers handle customer complaints.
| Plan | A.M. Best Rating | BBB Rating |
|---|---|---|
| IMG Choice |
A- (Excellent) | A+ |
| Tin Leg Luxury |
A++ (Superior) | A++ |
| Seven Corners Cruise |
A (Excellent) | A+ |
| Tin Leg Cruise |
A (Excellent) | A++ |
| Tin Leg Gold |
A (Excellent) | A++ |
| Seven Corners Trip Protection Choice |
A (Excellent) | A+ |
| John Hancock Gold |
A (Excellent) | A+ |
| Travel Insured International FlexiPAX |
A (Excellent) | A+ |
As shown in the table, every cruise insurance plan on this page comes from a reputable, reliable provider. You can purchase coverage from any of these insurers with confidence, knowing that claims are handled fairly and customer concerns are taken seriously.
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.
- 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.
- 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.
- 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.
- 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.
- For the strongest combination built-in medical and 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 ranks highly when it comes to Missed Connection coverage, which can provide crucial protection if you miss your cruise departure due to previous trip delays. This plan is among the higher-cost options for cruisers, especially for couples and families. If having the highest possible medical coverage isn’t a priority, then other, more affordable options may suffice.
- If you’re taking a cruise with family, consider FlexiPAX by Travel Insured International. This plan is a hit for a wide range of 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.
- If you’re looking for a well-rounded cruise insurance plan backed by a top-rated provider, we suggest opting for Tin Leg Gold. This comprehensive policy from Tin Leg 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 Emergency Medical and Medical Evacuation coverage, which is great coverage if your trip involves cruising to remote destinations. 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.
FAQs: Top Cruise Insurance Plans
Which Cruise Insurance Plans Cover Pre-Existing Medical Conditions?
All travel insurance plans featured on this list offer protection for pre-existing medical conditions. To qualify for coverage, you have to purchase your plan within 14-21 days after your initial trip deposit, depending on the plan.
To qualify for pre-existing condition coverage, you must meet certain eligibility requirements. You can find a full list of these requirements and plans that offer this coverage on our Pre-Existing Condition benefit page.
Which Cruise Insurance Plan Offers the Best Coverage for Medical Evacuations?
Among the top cruise insurance plans, Seven Corners Trip Protection Choice and John Hancock Gold offer the highest built-in reimbursement rates for medical evacuations. Both of these options offer up to $1,000,000 in coverage. This amount of protection may not always be necessary for cruises, but is always nice to have.
FlexiPAX is another great option if you are prioritizing plans with high Medical Evacuation protection. While it comes standard with up to $500,000 in coverage, these limits can be increased to $1,500,000 when select policy upgrades are applied. Adding these upgrades will increase the cost of the policy.
For more information on plans and coverage limits, view our Medical Evacuation benefit page and list of the Best Medical Evacuation Policies.
Which Cruise Insurance Plan Offers the Best Coverage If I Miss My Cruise Departure?
The cruise plans that offer the highest Missed Connection coverage, the benefit that applies if you miss a cruise departure due to a covered reason, are Seven Corners Cruise and Seven Corners Trip Protection Choice.
Both options offer up to $1,500 in reimbursement if a covered delay results in you missing your cruise departure. This coverage is designed to cover the cost of making new travel arrangements and catching up with your cruise at the next port.
Buying a cruise policy with strong Missed Connection coverage is important if your trip involves multiple flights or tight layovers en route to your port of call. Check out our Best Flight Insurance page to find other plans that offer strong Missed Connection coverage.
Which Cruise Insurance Plans Cover Shore Excursions?
All the cruise plans we list on this page cover basic adventure sports and activities, but certain limitations apply. Participating in high-risk excursions like scuba diving, island ATV riding, and jet skiing will likely require specialized coverage.
To find coverage for your specific excursion, we recommend visiting our Adventure Sports page and selecting all of the activities you plan to pursue during your cruise. You can also apply activity-specific filters to your results when comparing quotes on Squaremouth.
We also recommend you visit our Best Adventure Travel Insurance page to find the top policies specifically designed to cover adventure trips.