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Cruise Travel Insurance
It is especially important to consider cruise insurance when booking a cruise because of the unique multi-legged nature of traveling by cruise ship.
Depending on the plan, cruise travel insurance can protect you if you miss a leg of your trip or have an emergency evacuation at sea.
When traveling abroad by ship, cruise trip insurance can cover you for unforeseen medical issues.
We invite you to get a personalized insurance quote for your cruise and compare the available plans.
If you are primarily interested in emergency medical coverage, please read more about our available travel health insurance plans.
How Much Is Travel Insurance for a Cruise
We wanted to see how true 5-7% actually is. To investigate, we used a site called Squaremouth.
We recently ran several scenarios to see how much cruise insurance really costs. All searches were for a week-long cruise for two people and were looking only at policies that provided emergency medical coverage and medical evacuation coverage.
As you can see, the prices vary greatly over the range of 5-7%. We found that depending on age and the level of coverage you choose, this can range anywhere from 3% of your travel cost to about 13% of the travel cost.
The variation has a lot to do with coverage levels. Just like car insurance, bare-bones travel insurance is much cheaper than premium plans, but with a lower level of coverage.
We recommend studying some of the mid-priced plans to see their coverage levels before automatically going with the cheapest plan.
Why Cruise Travel Insurance Important
You may wonder what travel insurance for your cruise might cover. From canceling your cruise for some reason, being delayed and missing a ship, getting hurt or sick and needing medical attention, or even having an emergency that shortens your trip, insurance is in many cases. I can cover you.
However, many cruise passengers omit insurance. For one, they think they don’t need it. It’s true that most of the time you won’t need or use cruise insurance.
Most trips go off without a hitch. But like health or car insurance, having it at the time of an incident is invaluable.
We think other people don’t buy insurance because they believe it costs too much. What’s surprising is how cheap it can be to actually insure your cruise.
The rule of thumb that most experts quote is that travel insurance should cost between 5-7% of your cruise. So for a $3,000 trip, they say you can expect to pay between $150 and $210.
It is now 10 pm, and the flight which was supposed to take you to your port is running late by hours. Who can help you find a new flight to catch up with on your cruise?
Your wife becomes seriously ill while on board the ship, and you need immediate medical attention in the hospital. Who can help him get off the ship and out of the hospital?
Your cruise has just landed when you suddenly find that your insulin bag is nowhere to be found.
Along with help finding your lost bag, you need help filling emergency prescriptions. Who do you call for help?
You arrive at the airport after disembarking from the cruise of your lifetime when you discover that your passport and wallet are no longer with you.
Where do you go for help getting emergency cash, and how do you get your passport replaced?
You arrive in Paris for a European cruise, but unfortunately, your luggage doesn’t arrive. Who will help you find it? If it is delayed, who will pay for your needs? If it’s stolen, who will pay to replace it?
While exploring the local shops in Shanghai, you travel and sprain your ankle. Who can help you find a doctor to check it out? Who will cover the expenses?
Unique Travel Insurance Coverage for Cruise
Unique Cruise Insurance CoverageWhen you’re planning a cruise, you have specific travel needs that are different from those of a traditional traveler – for obvious reasons.
This is not your typical “fly away, vacation and fly home” trip. You’ll get along on your cruise, vacation in the deep blue sea, perhaps experience some new things through excursions, and then come home to reality.
These differences mean that you will need unique travel insurance coverage for your trip. A uniquely comprehensive plan would be a great option for any traveler, even a cruiser.
But there are some comprehensive cruise insurance plans that offer coverage specific to the needs of the cruiser.
Below are some examples of coverage that you can find if you go through the plan details carefully:
Return Home Early: This is a new twist on travel interruption coverage. This coverage allows you to leave your cruise for any reason and provides reimbursement of your transportation costs, up to the specified mileage limit, to reach home.
This coverage is available when all eligibility requirements are met and is available in most states.
Shipboard Service Disruption: Unfortunately, over the years, cruise lines have been in the spotlight for situations that often end cruises early, making passengers sick or leaving them stranded in the middle of the ocean.
If there is a fire or mechanical failure, Shipboard Disruption Benefit may provide a lump sum payment of the amount specified in your plan, to compensate you for the inconvenience. This coverage is available in most states.
Pre-Paid Tour Reimbursement: Since you planned in advance, you may have added your prepaid, non-refundable travel to the cost of your trip when you purchased your travel insurance plan.
Well, if the cruise line changes your itinerary after you leave, it could put a dent in your plans. This coverage will provide a one-time reimbursement, to the extent you confirm, for pre-paid, non-refundable activity expenses you lose. This coverage is available in most states.
Missed Connection: As we always say – no one is safe from travel accidents. Sometimes when you are traveling to meet your cruise, you get delayed on the way.
If you and your travel companions are 3 or more hours late due to a covered reason and you miss your cruise departure, this coverage limits the amount of money you can spend to help you re-enlist your ship. can be reimbursed.
However, depending on the travel insurance company, you may be eligible for benefits only if you have left enough time between your delayed flight and the missed connection. The amount of coverage will vary from plan to plan.
As of July 2021, some cruise lines will not allow passengers to join their cruise if they miss the initial embarkation at the departure port.
This is because of the health checks and other procedures that are done there, and cannot be built down the line.
Because of this new restriction, missed connection coverage may not apply if you are not allowed to re-join the ship after departure.
Before purchasing a travel insurance policy, we encourage all customers to look at their specific cruise line’s restrictions and understand how coverage might work in the event of a missed connection.
Ship-to-shore coverage: It will be difficult to incorporate this coverage into your average comprehensive plan.
This is a rare benefit that is defined as a part of emergency evacuation. Essentially, the travel insurance company will help arrange for you to be dropped off the cruise ship and taken to an onshore hospital if your situation requires evacuation.
Of course, there may be exclusions or exceptions due to the location of your ship. But this benefit allows you peace of mind knowing that help, in an unfortunate situation, is just a phone call away, even if you’re aboard a cruise ship.
As we said, not all comprehensive travel insurance plans will have these benefits. While they can be beneficial to most cruisers, there may be some coverage limits as well as eligibility requirements.
We always recommend contacting our Customer Service Center to answer any questions you may have on coverage and plans prior to purchase. Finding the right plan means you can travel worry-free.
Important Advice for Cruise Travel Insurance
Whether it’s your first cruise or one of many, it’s important to have the right travel insurance.
According to Jason Schreier, CEO of April Travel Protection, the largest number of claims cruise travelers claim fall under trip cancellation, trip medical expenses, and trip interruption coverage.
Here are good starting points for the coverage you want in a cruise insurance plan:
Trip Cancellation Insurance: It reimburses you 100% for pre-paid and non-refundable deposits if you have to cancel for any reason not covered by the policy.
Travel Interruption Coverage: If your trip is cut short due to illness, injury, death or other causes, it will reimburse you a percentage of unused travel costs, such as 100%, 150% or 200%.
Emergency Medical Expenses: It pays for the medical expenses associated with the injuries and illness you suffer during the journey.
The top travel insurance plans have $500,000 in travel medical insurance, but you may find $100,000 to be enough for a cruise. If you are a senior, good travel medical coverage is important.
US Health plans generally have very limited or no coverage outside the country. And Medicare is only available in the U.S., with very narrow exceptions. Does not cover medical care outside the US.
“The medical benefits of a travel insurance policy can help cover unexpected accidents and illnesses – such as treating a jellyfish sting from a snorkeling expedition or a sudden illness such as strep throat,” says Syed Rizvi, VP and chief specialty insurance officer at Nationwide Insurance. To take antibiotics.” .
Make sure the travel insurance plan you buy covers your pre-existing conditions. You do this by obtaining a “Pre-existing Medical Condition Exclusion Waiver,” but this must be added within 14 to 21 days, depending on the company, after you submitted your initial visit.
Emergency Medical Evacuation Coverage: This covers the costs to bring you to the nearest adequate medical facility or even back home if medically necessary.
“If a consumer is moving to a more remote location, or one with poor quality or limited health care options, a supplemental withdrawal insurance plan can be a huge plus,” says Rizvi. “After all, the average air ambulance bill can easily add up to more than $40,000.”
Cancel for any reason coverage: Cancellation for reasons not listed in the policy is not covered, unless you have already canceled for any reason coverage.”
This will usually cost you 50 Reimburses % or 75% of the travel cost and allows you to cancel the trip for any reason.
“Insurance in general and travel insurance is specifically designed to protect the consumer from the unexpected, so if you believe there is an event that may affect your trip, you may cancel for any reason (CFAR). ) option,” says Rizvi.
“These are offered by a variety of travel companies, sometimes at an additional cost; Sometimes not. Some offer the ability to get cash back, others offer the ability to get a refund.”
Additional coverage: You can add other insurance as needed, such as lost/damaged baggage coverage.
Consult your travel insurance agent to match coverage to your particular needs and concerns.
What Does Cruise Insurance Cover?
Typically, cruise insurance will include coverages for:
Emergency Medical Evacuation
Baggage Loss or Delay
Hurricanes or Severe Weather
Cruise insurance may also offer unique coverages such as:
Return Home Early
Shipboard Service Disruption
Pre-Paid Excursion Reimbursement
Plans will vary as some of these coverages have limitations and eligibility requirements.
We recommend speaking directly with a Customer Care agent to ensure your policy has the right coverages for you.
Do You Need Special Insurance for a Cruise?
Due to the unique nature of traveling by cruise ship, travel insurance is strongly recommended for all travelers.
Depending on the plan, cruise travel insurance can protect against missed connections, an emergency evacuation, unexpected medical issues, baggage loss, and more.
As of July 2021, some cruise lines now recommend or require unvaccinated American passengers to show proof of valid travel insurance as a condition of boarding.
Can I Get Travel Insurance After I Book My Cruise?
A common question we receive is “how late can I purchase my travel insurance?” We recommend purchasing early, ideally after making your first payment towards your trip.
Some benefits are time-sensitive, such as coverage for pre-existing medical conditions or the optional Cancel for Any Reason benefit.
And while some plans offer post-departure benefits or can be purchased last minute, we advise not to wait to start comparing travel insurance plans.
What If I Miss My Cruise?
Generally, the Missed Connection and Trip Interruption benefits may help cover expenses so you can rejoin your cruise ship at a later point.
However, as of July 2021, some companies – such as Royal Carribean and Carnival – may not allow travelers to join a cruise if they miss the initial embarkation at the departure port. This is due to health screenings that take place only upon embarkation and cannot be performed later.
In this case, the Missed Connection benefit would not be able to apply. Be sure to review the policies and understand the restrictions for your specific cruise line before purchasing insurance.
Does the Travel Insurance Provided by my Credit Card Cover My Cruise?
While your credit card may offer some travel protection, it will not provide the same amount of coverage available from traditional travel insurance providers.
Is Cruise Insurance Worth It?
At InsureMyTrip, we have heard from customers time after time that travel insurance is worth it and they were thankful to have it.
While travel insurance cannot prevent mishaps from occurring, it can reduce the burden of unexpected expenses and additional travel arrangements that need to be taken care of with very little notice.
It can protect the cost of your trip if you have a travel delay or need to cancel, offset added expenses due to a travel delay or lost, delayed or damaged luggage, and protect against expensive medical bills if you are injured or ill while traveling abroad.
Compared to the cost of a cruise, travel insurance is a smart investment. Plans are not one-size-fits-all, as the price and conditions will vary, but generally, travelers can expect to pay 4% – 10% of their total, nonrefundable trip costs.
How Does Cruise Insurance Cover PandemicTravel Concerns?
Coverages for Pandemic-related travel concerns vary by policy and provider, so travelers are encouraged to use our new Pandemic recommendation tool.
This tool is now part of the quote process and can be selected to help guide you to the plans best suited for these concerns.
Generally speaking, comprehensive coverage may apply in the following unforeseen scenarios:
Emergency Medical Coverage.
Emergency Medical Evacuation Coverage.
Cancel For Any Reason (optional, time-sensitive benefit.)
Over the course of the coronavirus pandemic, many traditional travel insurance companies have expanded or adapted their existing coverage for travelers. In addition to the coverages above, examples of these may include:
Reimbursement for covered medical treatment during a trip due to a Pandemic illness.
Get sick with Pandemic and must cancel a trip by physician’s order.
Physician orders a quarantine before the trip.
Lost a job during the coronavirus pandemic by no fault of your own.
For travelers concerned with cancellation, Cancel For Any Reason (CFAR) offers the most trip cancellation flexibility and is the only option available to cover fear of travel. CFAR is an optional, time-sensitive benefit with eligibility requirements, so not all travelers will qualify.
Full terms of coverage will be listed in the state-specific policy. If eligibility requirements are met, reimbursement is up to 50%-75% of the insured pre-paid non-refundable trip cost.
Thanks For reading our article How Much Is Travel Insurance for a Cruise. Always read policies of travel insurance for cruises.