what travel insurance do you need for a cruise

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Cruise Insurance: Why You Need It + 4 Best Options for 2024

Seven Corners »

Travelex Insurance Services »

AXA Assistance USA »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Cruise Insurance Plans.

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• Seven Corners
• Travelex Insurance Services

Cruise vacations come with the same considerations as any other trip, including the potential for trip cancellations, trip interruptions, unforeseen medical expenses and even a need for emergency medical evacuation. Add in the potential for unruly weather during hurricane season , and it's easy to see why cruise insurance plans are so popular and recommended.

Read on to find out which cruise travel insurance plans U.S. News recommends and how they can protect the investment you made in a cruise when something goes wrong.

Frequently Asked Questions:

All cruise insurance plans are unique, and some have different coverages than others. However, most travel insurance plans for cruises cover the following:

• Trip delays, interruptions and cancellations: This kind of coverage is essential any time of the year, but especially during hurricane season when storms can impact your travel plans. 
• Protection for medical emergencies: This type of coverage can help pay for unexpected medical bills if you're injured on board the ship or hurt during a shore excursion. You can also choose a cruise insurance plan that covers emergency medical evacuation from the ship or to the nearest hospital.
• Coverage for lost or delayed baggage: Coverage for baggage is important for cruises just like any other trip. This type of insurance can pay for essential items you need to buy if your bags are lost or stolen and don't make it on the ship. 

With each of these protections, a coverage limit is listed with your plan. This means you may get reimbursed for your losses or prepaid travel expenses up to this limit, but only when a covered reason applies to your claim.

One of the main reasons to buy cruise insurance is for medical emergencies. Note that, once you're on a cruise ship or visiting a destination outside the United States, your own U.S. health insurance plan will not apply. The same truth applies if you have government health coverage like Medicare.

You can purchase cruise insurance through your cruise line, but these plans are often very basic with low limits for medical expenses and other coverages. For example, cruise line travel insurance policies often come with just $25,000 in coverage for emergency medical expenses and up to $50,000 in coverage for emergency medical evacuation, which may not be enough.

Fortunately, you can buy cruise insurance from any travel insurance provider when planning this type of trip. By buying coverage from an independent travel insurance provider instead of your cruise line, you get to select the exact coverages and limits you need for the best protection possible.

• Seven Corners: Best Overall
• Travelex Insurance Services: Best for Families
• AXA Assistance USA: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best Cost

Plan is cruise-specific

Get coverage for missed cruise connections and tours

Medical expense coverage is secondary if you opt for lower-tier Basic plan

• Up to 150% in reimbursement for trip interruption
• Up to $250 per person, per day in trip delay coverage ($2,000 maximum)
• Up to $250 per day in missed tour or cruise connection coverage ($1,500 maximum)
• Primary emergency medical expense coverage worth up to $500,000
• Medical evacuation and repatriation of remains coverage worth up to $1 million
• Political and security evacuation coverage worth up to $20,000
• Up to $2,500 in protection for baggage and personal effects (limit per item of $250)
• Up to $100 per day ($500 maximum) in coverage for baggage delays of six hours or more

SEE FULL REVIEW »

Travel Select plan offers coverage with pricing for kids included

Customize your plan with additional medical coverage, adventure sports coverage and more

Only $1,000 in coverage for baggage and personal effects

$200 maximum coverage for baggage delays

• Trip cancellation coverage worth up to 100% of total trip cost (maximum $50,000)
• Trip interruption coverage worth up to 150% of trip cost (maximum $75,000)
• $2,000 in trip delay coverage for a delay of at least five hours ($250 per day)
• $750 in coverage for missed connections (delay of at least three hours required)
• Emergency medical expense coverage worth up to $50,000 (dental emergency sublimit of $500 included)
• Emergency medical evacuation coverage worth up to $500,000
• $1,000 in protection for baggage and personal effects
• Up to $200 in coverage for baggage delays (at least 12-hour delay required)
• Travel assistance services

Provides comprehensive coverage for all aspects of cruising

High policy limits for medical expenses and emergency evacuation

Does not offer cruise-specific travel insurance

• Trip cancellation coverage up to 100%
• Trip interruption protection up to 150%
• $1,250 in travel delay coverage ($300 per day)
• $1,500 in protection for missed connections
• Emergency accident and sickness coverage up to $250,000
• Emergency medical evacuation coverage up to $1 million
• Nonmedical emergency evacuation coverage up to $100,000
• $50,000 in accidental death and dismemberment coverage
• Baggage and personal item coverage up to $3,000
• Baggage delay coverage worth up to $600

Comes with enhanced medical and luggage benefits, protections for cruise ship disablement, and more

Cruise delay coverage kicks in after five hours

Baggage delay coverage is only for $200 and doesn't kick in for 24 hours

No option to purchase CFAR coverage

• Up to $75,000 in protection for emergency medical care
• Emergency evacuation and repatriation of remains coverage worth up to $750,000
• Cruise cancellation coverage for 100% of trip cost up to $25,000 per person
• Cruise interruption coverage for 150% of trip cost up to $37,500 per person
• Cruise delay coverage worth up to $1,000 ($200 per day for delays of five hours or more)
• Missed connection coverage worth up to $500 (for delay of three hours or more)
• Cruise ship disablement coverage worth up to $500
• Up to $1,500 in coverage for baggage and personal effects

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel, travel insurance and cruises for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries, some of which have included cruises all over the world. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

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Smooth Sailing Ahead: Your Guide to Cruise Travel Insurance [2024]

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Table of Contents

The 5 best cruise travel insurance policies, what is cruise insurance, is cruise insurance worth it, cruise insurance costs, what cruise insurance covers, how to get cruise insurance, final thoughts.

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Taking a cruise is one of the easiest ways to travel, but cruising isn’t immune to unexpected hiccups. Sudden illness, travel delays, or other unforeseen events could cancel or interrupt your cruising plans — you might even need medical coverage. 

With cruise insurance, you’re covered for unexpected issues that can interfere with your travel plans . Read on to learn what cruise insurance is, how to get it, and how to find the best cruise insurance policies, whether you’re buying directly from the cruise line or a third-party insurance company.

The right cruise insurance policy offers the coverage you need at a good price, but policies aren’t one-size-fits-all. We’ve run quotes for various coverage scenarios — from seniors to adventure tours — to find the best cruise insurance policies . 

Consider these travel insurance policies for your next cruise:

Best Cruise Travel Insurance for Seniors: Seven Corners

Seniors cruising the world can get comprehensive coverage from Seven Corners Travel Insurance . We were quoted $89 for a 70-year-old cruising Mexico . The Seven Corners Trip Protection Basic policy offers trip cancellation and interruption, medical coverage, and medical evacuation, along with COVID-19 cancellation and medical coverage.

Comprehensive travel insurance, regardless of your age, is widely available and relatively affordable. Check out our complete guide to travel insurance for seniors .

Best Cruise Travel Insurance With COVID-19 Coverage: battleface

If you’re concerned about COVID-19 derailing your cruise travel plans, getting cruise travel insurance with COVID-19 coverage is essential. The battleface Discovery Plan covers COVID-19 cancellation and medical expenses, along with regular trip cancellation, medical evacuation, and medical emergency coverage. We were quoted $36.54 for a 35-year-old cruising Italy on this plan.

Best Cruise Travel Insurance for Young Travelers: Aegis

Young travelers often have the lowest-priced travel insurance policies. We got a quote for just $30.27 from Aegis for a 22-year-old cruising the Bahamas . The Aegis Go Ready Choice policy covers COVID-19 medical and cancellation, trip cancellation and interruption, medical evacuation, and medical expenses.

Best Cruise Travel Insurance for Adventure Tours: IMG

Are you planning adventurous excursions on your cruise? IMG’s iTravelInsured Travel Lite , with options for winter, adventure, and extreme sports, can give you the coverage you need. We were quoted $58.87 for a 40-year-old traveler cruising to Costa Rica with plans to zipline . It covers trip cancellation and interruption, medical expenses, medical evacuation, and adventure sports with some exclusions, such as diving and adventure races.

Your travel insurance might not cover everything you want to do — particularly if you plan on adventure activities. Here’s our complete guide to adventure and extreme sports travel insurance .

Best Cruise Travel Insurance, Cancel for Any Reason Coverage: John Hancock Insurance Agency

If you’re especially concerned you may need to cancel your cruise, Cancel for Any Reason coverage allows you to cancel your trip and receive partial reimbursement for nonrefundable trip expenses, even if you cancel for reasons not normally covered by trip cancellation coverage. We were quoted $100.50 for a 55-year-old cruising Alaska for John Hancock Insurance Agency’s Silver plan , which reimburses up to 75% of your trip cost under Cancel for Any Reason coverage. It also offers coverage for COVID-19 medical and cancellation, trip cancellation and interruption, and medical expenses and evacuation with primary coverage.

Cruise insurance is travel insurance that covers cruises . It can help you manage all the what-ifs on your cruise. What if you need to cancel your booking? What if your flight is late? What if you get sick or hurt? Travel insurance for cruises can cover you for all of these things. 

Many travel insurance policies cover cruises, but cruise insurance may be tailored to the risks of cruises, covering transportation, accommodations, and activities. Getting travel insurance for cruises can offer peace of mind if you’re concerned about losing nonrefundable trip payments, travel delays, or covering emergency medical care.

Cruise bookings can be unforgiving, and cruise insurance can help you minimize your risk of losing the money you’ve paid for your trip. Travel insurance coverage is often a good idea if you’re concerned about losing nonrefundable prepaid travel expenses or covering emergency medical expenses . 

Because cruises are often less flexible than other types of travel, it’s generally a good idea to get cruise travel insurance. For example, you might be able to rebook a flight or hotel room, but if you cancel your cruise, you could lose your deposit or more. Often, cruise lines won’t offer any refunds if you cancel within a certain period before your cruise, such as 14 or 30 days .

Additionally, you shouldn’t expect your U.S.-based health insurance plan to cover you on your cruise, especially if you’re on an international cruise. And it’s exceptionally expensive if you need to be evacuated for a medical condition.

While everyone hopes for smooth sailing, the reality is a lot of unexpected issues could pop up on your cruise. Your flight to the cruise port could be delayed, you might get sick or injured on your cruise, or you might have to cancel the whole thing if illness or obligations prevent you from going on your cruise. A hurricane could interfere with cruising in storm hotspots such as the Caribbean and Gulf of Mexico. 

Cruise insurance can offer financial support for many unexpected problems you might experience with a cruise. And with a 24-hour travel assistance hotline , you can get knowledgeable help whether you need to find a local pharmacy or coordinate the replacement of lost travel documents such as your passport.

That said, you might have travel insurance coverage available with a credit card . Some credit cards offer travel insurance benefits such as trip cancellation and interruption, emergency medical treatment and evacuation, and travel delay coverage. Still, you should check the details of your credit card’s coverage to ensure it’s enough for your needs. 

Looking for a credit card with travel protections? Read our guide to the best credit cards for travel insurance coverage and protection.

Generally, expect cruise insurance to cost between 5% to 10% of the total cost of your cruise . For a $3,000 cruise, you’ll typically pay between $150 to $300 for comprehensive travel insurance coverage. But keep in mind several factors influence the cost of cruise insurance, including:

• Add-ons, such as CFAR 
• Coverage options 
• Cruise cost 
• Deductibles and limits 
• Destination 
• Group policies 
• Traveler age 
• Trip duration

Learn more about travel insurance costs in our guide to the average cost of travel insurance .

Each travel insurance policy is unique, but travel insurance for cruise coverage typically includes:

• 24/7 Assistance: You can get 24/7 support for itinerary changes, rebooking, medical emergencies, and more.
• Baggage Protection: Your luggage is covered for loss, theft, or damage on your flight or during your cruise.
• Cabin Confinement: You may get reimbursement if you have to stay in your cabin during your cruise, such as a required quarantine due to COVID-19.
• Cancel for Any Reason: Usually available as an add-on, CFAR travel insurance allows you to cancel your cruise for any reason and receive a partial reimbursement of your nonrefundable travel expenses.
• Itinerary Changes: You can get covered for changes in your cruise’s itinerary, missed port calls, or extended delays beyond your control.
• Missed Connections: If you miss your cruise departure due to a flight delay or other covered reason, you can get reimbursed for your nonrefundable travel expenses.
• Medical Emergencies: Cruise insurance can cover medical treatment on the cruise and may offer coverage for medical evacuation.
• Trip Cancellation or Interruption: You can get reimbursed for your nonrefundable travel expenses if you cancel your cruise or end your trip early due to covered reasons such as illness or injury. You’re typically covered if the cruise line cancels due to mechanical issues, weather, or other unforeseen events.

Cruise-specific travel insurance may also offer reimbursement if your cruise ship is disabled. And if you want to cover shore excursions, be sure to include the cost of excursions in your total travel cost when you get quotes for cruise insurance.

While these coverage types are common among cruise insurance policies, checking the terms and conditions to confirm all coverage areas is a good idea.

Types of Cruise Insurance

There are many options for travel insurance, and you can generally choose as little or as much coverage as you’d like. You can opt for a comprehensive travel insurance policy, which may offer Cancel for Any Reason (CFAR) coverage, or you might prefer to limit your costs and choose just the coverage you need. For example, you might choose standalone trip cancellation insurance or a travel medical insurance policy but decide you don’t need coverage for missed connections or baggage.

What To Look for in a Cruise Travel Insurance Policy

Consider these factors as you compare the best cruise travel insurance policies:

• Cancellation Window: Understand how many days before your cruise departure you must cancel to qualify for reimbursement.
• Coverage Availability: Travel insurance policies typically offer cruise coverage, but it’s best to confirm that a policy specifically covers cruises before you purchase it. Also, consider availability for coverages that may be important to you, such as CFAR or adventure sports. 
• Customer Reviews and Reputation: You can get insight into the insurance provider and how claims and customer service work by reading customer reviews and ratings.
• Eligibility Criteria: Cruise insurance policies may have eligibility criteria such as limits on age or trip duration and preexisting conditions. For example, some travel insurance policies max out at 90 days.
• Exclusions and Limitations: Read the policy to understand what’s excluded or limited specifically to cruise-related coverage, such as reimbursements for port closures, itinerary changes, or medical incidents on the cruise.
• Policy Cost: Get multiple quotes and compare each cost and coverage value to ensure you get a good value for your cruise insurance policy.
• Purchase Timeline: You’ll usually need to purchase your cruise insurance within a certain period of booking your trip, so be sure you’re buying your policy within that timeframe.
• Reimbursement Structure: Review the cruise insurance policy to confirm how much you can be reimbursed for under qualifying circumstances, such as if you need to cancel or interrupt your trip.

You can buy cruise insurance from the cruise line when you book, or a travel agent may offer cruise insurance plans. You also have the option to purchase cruise trip insurance independently. It’s a good idea to get multiple quotes to compare your costs and coverage and get the best deal on cruise insurance.

You should buy cruise insurance when you make your first deposit so you’re immediately covered for trip cancellation. Here are some of the options and coverages if you purchase cruise insurance directly from the cruise line:

Before you purchase cruise insurance from a cruise line, compare your third-party options. You can get quotes from multiple travel insurance companies at once using a travel insurance aggregator such as Squaremouth .

Even a meticulously planned cruise can run into unforeseen disruptions — and cruise insurance can come in handy for the unexpected.

Cruise insurance covers you for sudden illnesses, travel delays, and more, offering financial protection so you’re safeguarded against uncertainties. Whether you get cruise insurance from the cruise line or third–party insurance providers, understand your coverage and how it protects your investment in cruise travel.

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Should I Buy Cruise Insurance? Complete Guide to Coverage

A step-by-step guide to cruise insurance, what it covers, and if you need it..

Note:   Cruzely.com nor the author is an insurance professional. Be sure to review any policy and ask your insurance company any questions you might have.

We are an affiliate of InsureMyTrip, linked below. We receive a small commission if you buy travel insurance through the links included in this article, at no cost to you.

Most people don’t like to think about the bad things that can happen when you are on vacation. But the truth is that accidents, cancellations, theft and other mishaps can occur, even while you’re on your dream trip. For example:

• You get sick after eating the local food, leading to two days in the hospital.
• You get pickpocketed in a crowded market, and the thief takes your passport.
• You miss a connecting flight, meaning you have to unexpectedly pay full price for a hotel room until you can reach your destination.

The list is endless of what could happen. But they all share one major theme. They can ruin your vacation and potentially cost you hundreds — if not thousands — of dollars. These mishaps can be compounded when you are on a cruise. With a cruise ship’s tight schedule, any delays could cause you to miss the boat. Of course, that means having to purchase lodging, transportation, meals, and more while you try to make arrangements to get back home.

Worst yet, medical emergencies aboard a cruise can rack up serious bills. What happens if a major illness hits while the ship is in the middle of the ocean? While cruise ships do have doctors to administer first aid, the expenses of emergency transport for serious emergencies can be astronomical.

It’s for these reasons that cruise insurance has become a major interest among passengers. To be absolutely clear, the vast majority of cruises go off without a hitch. Still, there is something to be said for having a little peace of mind and not having to worry just in case something does go wrong.

Travel & cruise insurance is made exactly for that purpose. By purchasing this coverage you are covered for a wide range of events (many detailed below) that could otherwise cost you significant money without insurance.

Of course, in exchange for that coverage you have to pay a premium — money out of your pocket for a service that you might not ever use. That leads to a big question: Should you buy cruise insurance? Is it worth it?

To decide if it’s the right choice for you, we’ve researched all the ins and outs of cruise insurance to help you out…

( See how affordable travel insurance can be. Get a free quote from InsureMyTrip. )

What does cruise insurance cover?

Every policy is slightly different; there is no set requirement of what is covered. That’s why its important to review the terms of any plan you purchase. That said, you’ll find most cruise insurance covers the same basic things. Here are the major items that you’ll want to make sure your policy covers.

Trip Cancellation – The most basic coverage with cruise insurance, trip cancellation protection allows you to get your money back that you’ve paid for your trip if you cancel for specific, predetermined reasons . This coverage doesn’t allow you to get repaid if you just decide to cancel because you don’t want to go (though there are policies that can do that).

The specific reasons will be laid out in your policy. In general, they fall into several major groups:

• Major illness or injury to you, traveling companion, or family member
• Death of you, traveling companion, or family member
• Birth of child
• Traffic accident
• Divorce (from traveling companion)
• Being fired/laid off
• Travel delays

Trip Interruption – Similar to trip cancellation, this coverage pays you for an interruption for specific reasons like the ones mentioned above after your trip has already started or when travel is delayed. In addition to being reimbursed for the remainder of what you’ve paid for your cruise, you’ll often also be reimbursed for expenses like flight and hotel to get back home.

Emergency Medical – If you’re worried about getting sick or injured while on your cruise, then know that most plans offer emergency medical coverage. This is exactly as it sounds. It provides medical insurance for serious illness or injury. Many plans also offer some dental coverage.

Emergency Evacuation – Nearly every plan will have some sort of emergency evacuation coverage. This is coverage to get the person to the most appropriate medical treatment (often as defined by the insurance company). So if you break your leg while on an excursion in Mexico and have to be transported to a larger city for the correct care, then your expenses are covered. Emergency evacuation coverage also can pay for you to get you home if you are in a medical facility away from home.

Lost/Stolen Luggage – Most of the time lost or stolen luggage isn’t so much about the money as the pain of having to replace everything. Even so, cruise insurance should provide some reimbursement expense for your loss, taking some of the sting out of losing your bags. Understand that most times this coverage has special limits for things like laptops or electronics that may not fully replace the lost item.

Pre-Existing Condition Coverage – Most of us know that insurance is hesitant to cover pre-existing conditions. Travel insurance can offer pre-existing condition coverage in certain circumstances (but not always!), which is especially helpful if believe you’ll need some sort of coverage while in a foreign country for an on-going illness. If this is important to you, make sure you double check the specific policy, which will make it very clear if pre-existing conditions are covered or not.

What doesn’t cruise insurance cover?

Cruise insurance actually covers more things and offers more benefits than just what is listed above. But it doesn’t cover everything and policies are pretty specific about what they will and won’t pay.

The most notable exception is that you can’t just cancel your cruise for any reason and get reimbursed for any money you lose . Instead, the only way the policy will pay is if you cancel for one of the specific reasons cited in your policy for cancelling your cruise. Keep in mind these reasons you are allowed to cancel may be more than what’s listed above.

You also won’t be compensated for inconveniences on your trip. For instance, if your trip doesn’t go as planned, but you don’t suffer an actual loss, then you won’t be able to make a claim. If it pours rain an entire day that you are in port and you can’t even get off the ship, your travel insurance won’t cover the loss of a day of vacation. Weather is not covered unless it causes an actual interruption to the cruise.

Also, it’s important to understand that your benefits are less any refunds you might receive otherwise. So if your cruise is cancelled and the cruise line refunds your fare, you won’t be able to claim the cruise fare as a loss.

Addendums to coverage

Some policies allow you to add coverage to your insurance that allow more flexibility and benefits.

The most popular addendum is known as “Cancel for Any Reason” coverage . This addendum allows you to cancel your trip and receive reimbursement, no matter why.

So if you simply decide that you don’t want to get out of bed the morning of your cruise and call the whole trip off (not sure why you would do such a thing!), then you can cancel and get your money back.

One important thing to note is that these policies rarely give 100% of your entire trip fare back. It usually ranges from 50-75%. Still, considering that you get nothing back if you cancel for a non-covered reason, this additional coverage is often worth the cost.

Many cruise travel insurance policies will also offer an addendum for rental car coverage. Obviously most cruise passengers won’t opt for this coverage since it’s rare to rent a car given that you are in port only for a day at a time.

What about insurance sold by cruise lines?

When buying a cruise, you’ll be offered an option to purchase insurance from the cruise line. This coverage takes on many different names. You might have seen one of the following if you’ve already bought your cruise:

• Carnival Vacation Protection
• Royal Caribbean Travel Protection
• Princess Vacation Protection
• Norwegian Cruise Line Booksafe Travel Protection Plan
• Celebrity CruiseCare Travel Insurance Program

These plans are quite popular because of their ability to be sold right alongside the cruise, which means they are convenient to buy. However, that doesn’t automatically make them a good purchase.

While convenient, these plans can often offer much lower coverage rates than traditional travel insurance, for a similar price. So while traditional travel insurance might offer $50,000 in medical coverage, a cruise line might only offer $25,000.

The one advantage that cruise line plans have is that they typically offer cancel for any reason coverage included. Royal Caribbean’s plan, for example, will reimburse you 90% of what you’ve paid for your cruise if you cancel for any reason. Just know that the refund is applied as a future cruise credit — not a cash payment as you’d get with the coverage from a traditional travel insurer.

For these reasons, we suggest sticking with traditional travel insurance from a third-party instead of the policies offered by cruise lines. But any coverage is better than no coverage.

What time period does the insurance cover?

While you should check with your specific insurance policy, they usually go into effect at midnight of the day after you purchase them. They then stay in effect until you return home from your trip.

Example: You buy cruise insurance at 6 p.m. on December 1 for a cruise that departs December 20 and returns December 27. Your coverage would be from in effect from midnight on December 2 until you return home from your cruise.

How do I Buy Cruise Insurance?

As mentioned earlier, if you are buying through the cruise line, you can purchase coverage at the same time that purchase your trip. You can also purchase at a later date by visiting the links below.

For third-party travel insurance, you can get a free quote and purchase directly through the provider. We’ve listed the major companies and their websites here:

Generali: https://www.generalitravelinsurance.com/ Travelex Insurance: https://www.travelexinsurance.com/ AXA Travel Insurance: https://www.axatravelinsurance.com/

For most people, however, we suggest looking at a site like InsureMyTrip.com . This site searches many companies at once to find the right insurance for you and your trip and bring you all your choices. Whether you are looking for affordability or the best coverage, all your options are laid out for you.

You can get a free quote here , see how much coverage might cost, and see everything it covers.

When should I buy cruise insurance?

The best time to buy is as soon as you’ve purchased your cruise. This allows you all the cancellation benefits immediately should something come up between the time you purchase and the time you actually travel.

One thing to note is that you can’t purchase after you already have an event that will lead to a loss. For example, say you get hurt in an accident that means you won’t be able to go on your vacation. You can’t purchase insurance and then try to be reimbursed for your trip. This is insurance fraud and the company won’t provide reimbursement.

How much does it cost?

Ah, the most important question. After all, every type of insurance is basically a bet between you and the insurance company whether something will happen on your trip.

Prices will vary based on company, trip length, cost, who is being covered, and the sort of coverage you choose. Most companies also offer different levels of plan that have different limits and thus, higher or lower prices.

As a general rule of thumb, traditional cruise insurance offered by a third-party will run about 5%-7.5% of your trip cost . So for a $5,000 trip, expect to pay around $250-$375 for coverage. That can vary widely, however.

Should I buy cruise insurance?

If you want to have some peace of mind on your trip, then yes. However, the vast majority of cruise passengers will never use their insurance.

The problem is that for issues that do come up, the expenses can be large and unknown. For instance, there is no price list of having to be evacuated medically from a cruise ship. The cruise insurance offers valuable peace of mind.

If you do decide to purchase, we highly suggest that you shop around for prices and also read your plan carefully (comparing two or three of the most well-known providers). And while every cruise line strongly recommends purchasing some sort of insurance for your cruise, we don’t recommend purchasing insurance offered through them, as traditional plans can offer better coverage for a similar price.

Get a free quote at the link below

Again, for cruise travel insurance, we suggest looking at a site like InsureMyTrip.com . This site searches many companies at once to find the right insurance for you and your trip and bring you all your choices. Whether you are looking for affordability or the best coverage, all your options are laid out for you.

Disclaimer: Cruzely.com is an affiliate with the travel insurers mentioned in the article above. We receive a small commission if you get a quote or purchase through the links included in this article at no extra cost to you.

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If a cruise is not leaving Australian waters, a passport is not needed. Will your private health insurance / medicare still be applicable on a domestic cruise?

Not familiar with Australian insurance rules. I’d suggest contacting the cruise line.

I believe Medicare doesn’t cover you overseas. That is why we get it

do you have insurace for canadians travelling on a cruise fro new york to bermuda

Any travel insurer should be able to cover you. You can go to a site like InsureMyTrip.com or AIG Travel Guard to see your options.

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Do You (Really) Need Cruise Travel Insurance?

Here’s everything you need to know about what kind of insurance coverage is truly worth the investment when you book a cruise..

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One way to make sure your cruise is smoother sailing? The right travel insurance.

Photo by Shutterstock

When you book a cruise either online or through a travel agent, one of the options you’ll be offered is cruise travel insurance. The question is: Do you really need cruise insurance? A lot depends on what kind of traveler you are and whether you feel you need to protect the investment you have made in your cruise vacation.

Think of cruise travel insurance as a safety net. We learned during the COVID-19 pandemic that the best-laid travel plans can change. Chances are your cruise vacation will go off without a hitch. But what if it doesn’t?

For myself, a frequent cruise traveler, peace of mind counts. My personal rule of thumb: If I am spending more than $1,000 per person for a cruise, I will buy cruise travel insurance to protect it in case the trip must be canceled—so that I can get most or all of my money back.

And I always buy international medical coverage.

Here’s what to know about buying travel insurance for a cruise and what the options are for cruise travel insurance policies.

Should you buy insurance through the cruise line?

Individual cruise lines make it easy to buy travel insurance simply by checking a box when you are completing your cruise booking, and your travel agent can also sell you the cruise line’s policy, which is administered by an outside travel insurance company.

It’s a convenient way to buy cruise travel insurance, but the prices won’t be the lowest you can find. Since they aren’t in the insurance business, cruise lines don’t typically sell policies with many options in terms of what you get. What you are buying is a one-size-fits-all bundled policy. And it may be more insurance than you need. Cruise travel insurance typically costs 4 percent to 10 percent of your total trip cost. Expect the policy from the cruise line to be on the high side of that range.

A cruise line insurance policy usually includes trip cancellation insurance, which covers common reasons for cancellation such as an unexpected weather event or illness. Included as well is trip interruption/trip delay insurance, which reimburses you if you need to start the cruise late or return home early or need emergency medical or dental care or an emergency medical evacuation; it also offers delayed and lost baggage protection and 24-hour customer support.

There will likely also be the option for a cancel for any reason (CFAR) coverage upgrade. While standard insurance will protect against unforeseen risks, once an event such as a hurricane becomes a known event or a named hurricane, it will no longer be covered by standard trip cancellation coverage—only by CFAR coverage. But CFAR coverage does not necessarily mean you will get 100 percent of your money back, so travelers need to weigh the cost benefits.

Be aware that the policy offered by the cruise line may not cover pre- or post-cruise expenses— meaning any airline, hotel, or transportation costs that you did not book through the cruise line. Additionally, with cruise line policies, if your cruise is canceled or disrupted, your “reimbursement” may be in the form of future cruise credit rather than cash. Make sure to read the fine print and weigh the convenience, price, and inclusions when considering the cruise line’s plan.

But wait—first check if you already have travel insurance

Before you buy cruise insurance—or any travel insurance for that matter—do an inventory on what is already covered under your existing insurance plans (such as through your health insurance provider) and through your credit cards . Otherwise, you may over-buy coverage.

Any lost luggage may already be covered under your homeowner’s or renter’s insurance, for instance. And if you have a premium credit card such as a Chase Sapphire Reserve® or The Platinum Card® from American Express, you will already have a large amount of coverage for things such as trip cancellation and disruption—assuming you paid for your vacation with the card.

Medical coverage is important to look into because many health insurance policies do not cover international travel. Medicare, for instance, does not. And you will want coverage for medical emergencies. As a baby boomer who travels a lot, I purchase annual plans (such as the basic AllTrips plan with Allianz , more on this below) for both medical coverage while traveling internationally and for medical transport (the latter through Medjet ) should I need to be evacuated to a hospital of my choice.

Buying cruise insurance through independent travel insurance companies

Considering all the above, you may want to shop around, looking at basic to premium cruise insurance policies based on your own needs.

There are plenty of reputable travel insurance companies that can insure your cruise, including:

• Travel Guard from AIG
• Berkshire Hathaway

You can go to the insurance companies directly or, better in my opinion, compare policies using an aggregator website such as InsureMyTrip.com , SquareMouth , or TravelInsurance.com . Regardless of whether you go directly to an insurer or search on one of the aggregator sites, you can plug in filters for the specific coverage you are looking for and omit coverage that you already have. This will save you money and get you more quickly to the exact coverage plan you need.

Do I need travel health insurance for a cruise?

Medical insurance that provides coverage when you travel is something that should definitely be considered—that became abundantly clear during the pandemic. Even with the end of the COVID public health emergency, travelers can still get sick or hurt while away, without warning. If you do fall ill or have an accident, you’ll want your medical expenses in another country and while cruising covered, especially if you need to be evacuated or require a costly hospital visit.

And with COVID-19 still circulating along with other communicable diseases, make sure to consider having contingencies not just for medical care but also to cover expenses if, for instance, you will need to isolate at a hotel for a time before you fly home.

As I mentioned, because I travel a lot internationally, I have an annual, basic AllTrips plan with Allianz that includes emergency medical/dental coverage and emergency medical transportation. I also have an annual plan through Medjet that covers evacuation for medical or security reasons.

That may sound like a lot, but again, it’s all about personal peace of mind.

Cancel for any reason (CFAR) coverage

As noted above, standard insurance will protect against unforeseen risks, but once an event such as a hurricane becomes a known event, it will no longer be covered by standard trip cancellation coverage—only by an optional cancel for any reason (CFAR) upgrade . CFAR will also cover you in case, for instance, you simply change your mind about your cruise vacation. It adds considerably to the standard policy cost—as much as 40 percent—but for some people it could be worth the upgrade.

If you are taking the whole family to the Caribbean during hurricane season , for instance, the add-on may be something that you want to consider. Personally, I don’t tend to splurge on this. Whatever coverage you choose, think of it as a safety net. In the best-case scenario, you won’t need it, but it’s good to know it’s there.

8 travel insurance mistakes to avoid before your next cruise

The potential for unexpected and disruptive mishaps during your cruise is not something to ignore. Flight delays can lead to missed embarkations . A sudden medical emergency can result in passengers getting abandoned during port stops. Cruise lines can go bankrupt and strand travelers abroad.

As a consumer advocate, I receive hundreds of help requests each year from distraught cruisers whose trips didn't go as planned. Each time, I'm struck by how different their situation might have been if they'd only purchased an insurance policy. Cruise travel insurance can often save the day if you get hit by a surprise calamity before or during your cruise.

Of course, though, that's only true if you have a policy with the correct type of insurance coverage. Travel insurance mistakes and misunderstandings are common among cruise ship passengers and can lead to travelers finding themselves uninsured or under-insured when they encounter a problem on their trip.

That's something TPG wants to help you avoid. Here are the most common cruise travel insurance mistakes I've encountered so you will know how to make better choices for your next vacation at sea.

Not buying travel insurance because you expect to take the cruise

Not even considering travel insurance is by far the top mistake I see made by cruise ship passengers. I'm always surprised when a cruiser tells me they didn't buy travel insurance because they didn't expect to cancel their trip.

This is a common defense offered by travelers caught in expensive situations that travel insurance would have easily covered.

The idea that you don't need travel insurance because you don't expect to cancel your cruise is flawed at its most basic level. The fact is, travel insurance is meant to protect you from unexpected events that cause you to cancel or interrupt your cruise.

Before you reject the idea of travel insurance to protect your next cruise, consider what will happen if:

• You get sick or injured before or during the trip.
• You lose your job and can't afford to go.
• You or a family member is hospitalized or dies.
• Your flight is canceled or delayed and you miss embarkation.
• The airline loses your bags on the way to the cruise ship.

That's just a sampling of surprise events that comprehensive travel insurance could cover (depending on the policy). However, if you don't have a policy protecting you and you're in your cruise contract's penalty zone, you will miss your vacation and won't get your money back.

Related: Is travel insurance worth it?

Not budgeting for travel insurance

Another frequent excuse I hear from cruise ship passengers about why they didn't purchase travel insurance is the cost. That can be a short-sighted decision, though; if something goes wrong, an uninsured traveler can end up owing far more than the price of a comprehensive travel insurance policy.

Consider what would happen if you had an accident during a shore excursion and needed to be medically evacuated. Those emergency services can easily cost $50,000 or more, depending on your location. During a recent cruise to Antarctica, I was required by Aurora Expeditions to have $250,000 of medical evacuation insurance. Traveling to remote locations — or even not-so-remote locations — without medical evacuation coverage could be life-altering if you end up in a catastrophic emergency.

If you intend to spend thousands of dollars to take a cruise, it's always a good idea to budget some of your vacation funds for a travel insurance policy that minimally covers medical care and evacuation home. If you don't, you leave yourself wide open to medical bills, cancellation penalties and more.

Related: Should you get travel insurance if you have credit card protection?

Buying travel 'protection' from your tour operator

A handful of tour operators and cruise lines sell something called "Travel Protection" or "Travel Waiver," which a sales rep will offer to you when you purchase your cruise. If you're booking online, a pop-up will appear before you complete your reservation. It will say something like "Warning! Protect your investment with our Travel Protection Plan" or "Get peace of mind with Travel Protection."

This product isn't called travel insurance because it isn't travel insurance — it's a hybrid product.

The travel insurance industry is highly regulated. If you buy a policy through an actual travel insurance company, you will be protected by specific laws and regulations. If you have a complaint about your travel insurance policy or claim, you can escalate your problem to your state's insurance board .

Most importantly, travel insurance companies have underwriters, so consumers have a safety net if something goes catastrophically wrong with the travel insurance company.

If you purchase travel protection instead, many safety protocols meant to protect consumers who buy travel insurance will not apply to you.

Before buying one of these policies, it's critical to understand what you're purchasing. Travel Protection has two parts:

Part A: This is predeparture cancellation protection (the passenger's cancellation) and is a self-insured product provided entirely by the cruise line or tour operator. There is no underwriter. This is often advertised as a "cancel for any reason" policy, but that moniker is often misunderstood by the travelers who buy this product. I'll explain further below.

Part B: This is post-departure protection and will be an actual travel insurance policy provided by a third-party insurance company. That part of the plan will provide medical coverage, emergency evacuation protection, trip interruption and more.

Because Part A is not a travel insurance product, passengers are putting their "investment" in a precarious situation should the cruise line or tour operator go out of business or become insolvent. If the operator has no money to pay the claims, there is no safety net without an underwriter. Thus, the customers will be left empty-handed.

That's the unfortunate situation that many Vantage Deluxe World Travel customers found themselves in last June. When the tour operator canceled all future tours and filed for bankruptcy , it owed $108 million to roughly 10,000 customers. Many of those would-be travelers had approved Part A (predeparture) Vantage Travel Protection claims and were waiting for payment when the company went belly-up.

Other Vantage customers erroneously believed that Part B of the pricey travel protection plan would protect them under all circumstances — including bankruptcy.

Far too late, these stunned travelers read through their policies and discovered the truth about that expensive protection: It was worthless if the company had no money to pay its bills, and neither part of the plan had an insolvency or bankruptcy clause.

Of course, that is an extreme case. A typical cruise ship passenger is much more likely to encounter a less dramatic issue with this type of travel protection, usually regarding "cancel for any reason" coverage .

Travel protection policies are often advertised as having "cancel for any reason" coverage, but the fine print reveals that only a few specific circumstances allow a traveler to cancel and receive a cash refund. For anything not listed as a legitimate reason to cancel for a monetary payment, the cruiser will receive a future travel voucher.

If you choose to buy a travel protection product instead of a travel insurance policy, make absolutely certain you read through the entire document and understand what you're buying.

Related: The 5 best cruise travel insurance plans

Assuming your health insurance will cover you on the ship

Hopefully, you'll never discover through experience that shipboard medical care can come at an astronomical cost. Many cruise passengers have learned this lesson only after falling ill during their trip. But the worst news comes after the bill arrives: Most domestic health insurance plans — including basic Medicare — do not provide international coverage.

That means as soon as your cruise ship sails into international waters, you're medically uninsured. Any healthcare bills you accrue during your trip will be your responsibility.

It's not hard to imagine just how expensive and devastating it could be for an uninsured cruiser who becomes sick or injured on vacation. To make matters worse, cruise lines and foreign hospitals expect payment at the time services are rendered. No matter the circumstances, you'll be expected to pay immediately.

And I do mean no matter what the circumstances. A widow once contacted me soon after her husband had suddenly died aboard Holland America 's Eurodam.

The shock of losing her spouse was made even worse by what she viewed as the callous attitude of the crew member who handed her a bill for her husband's failed treatment — and expected her to pay before she was disembarked at the next port of call.

Unfortunately, that couple had assumed their Medicare plan was protecting them during their Caribbean cruise. It wasn't. (Note: There are supplementary Medigap plans that can provide international health care benefits for Medicare beneficiaries. These policies come at an additional cost and have coverage limitations and caps. Before using one, travelers should review all the details of the plan.)

While this woman's situation was extreme, accidents and illnesses happen all the time on fun-filled cruises. You don't want a lack of insurance to make those events more catastrophic than they are.

A comprehensive travel insurance policy can provide not only healthcare coverage abroad but also medical evacuation and repatriation — services that can easily cost tens of thousands of dollars.

Related: What happens if you get sick on a cruise?

Not reading and understanding the travel insurance policy

Travel insurance policies are many pages long and often contain confusing terms. Many travelers buy policies that seem acceptable, and they gloss over the details. However, if you don't review and understand the travel insurance policy you've purchased, that mistake can have giant repercussions.

A one-size-fits-all travel insurance policy does not exist. The choices of travel insurance products available for cruise ship passengers are extensive, with options from basic to full coverage.

To know exactly which protections you've purchased, you must thoroughly read all the details of your plan. Each policy will have a list of named perils. If something on that list causes the cancellation or interruption of your trip, you can claim coverage. If the circumstances you're facing are not on that list, you're out of luck.

Not only should you pay attention to the named covered events, but equally important are the exclusions — conditions that can invalidate your policy. For instance, if you're planning on zip lining, bungee jumping, rock climbing or participating in any other extreme adventure, you'll want to make sure your policy doesn't exclude risky activities.

The travel insurance industry provides a generous lookover period, usually 10 to 15 days after purchase. Always use that two-week window to carefully review your policy. Do not skim over details you don't understand and hope for the best. If you need help understanding the fine print, contact the travel insurance company for clarification.

If you determine during that time that the policy doesn't provide the coverage you want and need, you can request a refund and continue your search. After that lookover period, your travel insurance policy is neither refundable nor changeable.

Related: The best travel insurance policies and providers

Waiting too long to purchase travel insurance for the cruise

A common mistake some cruise ship passengers make is waiting too long to buy travel insurance.

The general rule of thumb is that if you intend to insure your trip, you should purchase that protection at the same time you start to make prepaid, nonrefundable reservations. That includes airfare, excursions, pre- or post-cruise hotels and anything else for which you will not receive a refund if you need to cancel the trip.

Travel insurance coverage typically begins to protect you the day after you purchase the policy. So, at any time after that, if a covered event happens to you and causes you to cancel your trip, you'll be protected from financial penalties. Of course, if you wait too long to purchase your travel insurance for your cruise and an unexpected event occurs, you won't be able to buy a retroactive policy.

If you enter the cancellation penalty phase of your cruise contract, you've waited too long to buy travel insurance. In fact, some companies won't allow you to purchase travel insurance after that date.

Not disclosing a preexisting condition

Not disclosing a preexisting condition is a travel insurance mistake that can have devastating consequences. Although buying a policy that covers a preexisting condition is possible, it's a bit more complicated.

Cruise ship passengers with preexisting conditions should be aware that their window to purchase travel insurance is abbreviated. Most travel insurance companies require travelers with preexisting conditions to purchase travel insurance within 14 to 21 days after making their initial trip deposit.

If you've been diagnosed with any medical problems in the 12 months preceding your trip or have a persistent condition, you must be certain to:

• Buy a policy that specifically names coverage for preexisting conditions.
• Make your travel insurance purchase within the first 14 to 21 days after putting a deposit down on your trip.

Cruisers who file a travel insurance claim for a medical problem related to a preexisting condition will be at great risk of having that claim rejected.

Underinsuring the cost of the entire cruise package

Travel insurance can significantly increase the cost of your cruise vacation. Prices vary based on the level of protection you choose, the age of all travelers on the policy, the length of the trip and the state where you live. If you wish to be fully protected, it's critical not to undervalue your trip.

If you lowball the cost of your cruise and something goes wrong, your claim will only be paid based on the value of what you insured. Passengers who have purchased an annual insurance plan should pay careful attention to the limits on their policy. It can be easy to accidentally underinsure your cruise if you're relying on an annual travel insurance policy with a per-trip or per-year cap.

Cruise ship passengers should always insure every nonrefundable, prepaid part of their itinerary. That includes the cruise, airfare, hotels and third-party excursions.

Bottom line

Cruise travel insurance can provide peace of mind and protection from the repercussions of unexpected events that could ruin your vacation and wreck your wallet.

Purchasing travel insurance does not have to be a chore. Follow these easy steps for success:

• Use a website like InsureMyTrip or Squaremouth to compare various policies and cruise travel insurance providers.
• Read your policy and ensure you understand what's covered and how to file a claim if needed.
• Carry a copy of your travel insurance card during your cruise, which will have a toll-free number if you need help.
• Enjoy your cruise.

If you have a problem with a travel insurance company, cruise line, airline, car rental agency or hotel, send your request for help to [email protected] , and I'll be happy to investigate.

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All Your Questions About Cruise Travel Insurance, Answered

Rarely does real life make its way into our fantasies of a dream vacation : palm trees swaying in the breeze, expertly plated meals served at whim, toes pointed toward the horizon on a sun-soaked day at sea. That vision doesn't factor in missed flights, lost bags, or medical mishaps. But life has a way of getting in the way, even when you’re trying to get away from it all. Add in an unexpected curveball like the coronavirus pandemic (and the disease it causes: COVID-19)—which has effectively wiped out cruising, for the near future, at least—and things get even more complicated.

In most instances, you can buy peace of mind in the form of a well-tailored cruise travel insurance policy, which industry experts say is nearly always a smart bet. Not only does coverage insure your financial investment in the case of a hiccup, but it can also help with access to quality medical care on the road, as well as reimbursement for any unforeseen expenses that may pop up in the face of such scenarios. In this primer on travel insurance for cruises, we break down everything you need to know so you can pick up a policy with ease—and then get back to planning your eventual lounge on the lido deck.

What does cruise travel insurance cover?

“A cruise vacation has so many moving parts, including the sheer number of destinations you visit, flights, and hotels bookings. Things can go wrong after you’ve made that final deposit, and without travel insurance, you’d likely lose that payment,” says Colleen McDaniel, editor-in-chief of cruise review and community site Cruise Critic .

While specific policies vary in their coverage—you’ll need to review the fine print carefully before you buy—most offer recourse for commonly encountered issues like the need to cancel a trip (for approved reasons like your traveling companion falling ill, or the involuntary loss of your job) or trip delays and interruptions. “If you miss your initial embarkation of a cruise due to a flight delay or a weather event, such as a hurricane or winter storm , travel insurance could help cover the costs of you getting to the next port of call, so you can join your cruise,” says James Page, senior vice president and chief administrative officer of AIG Travel, whose subsidiaries sell policies designed to cover cruisers.

Other potential problems might include the airline losing your checked bags , getting pickpocketed in port, the cruise line canceling your sailing due to weather or mechanical issues—or, as we’ve seen of late, due to not being able to run itineraries in areas affected by the coronavirus. While the cruise line would almost certainly pay out a refund in cases of cancellation or major itinerary changes, other prepaid expenses not purchased through the line directly, such as flights or hotel nights, would be on your dime without a qualifying policy in place. “The biggest tip is to make yourself aware of exactly what your plan will cover prior to purchasing,” McDaniel says.

Weather is not covered unless it results in the cancellation of or significant interruption to the cruise. McDaniel says that you won’t get a refund if the scheduled ports visited on a cruise itinerary are changed due to bad weather. “Skipped ports would not be covered by travel insurance,” she says, in cases of inclement weather.

How is the coronavirus affecting travel insurance?

When it comes to coronavirus , it’s important to know that circumstances like epidemics and pandemics are not typically listed as covered events under most standard cancellation policies. Also worth noting: Preemptively canceling a trip out of fear for your health and safety is never part of a standard policy. Accordingly, while some insurers honored claims associated with the onset of the epidemic, almost none are paying out trip cancellation claims for travel or policies booked after late January (with specific cutoff dates ranging between January 21 and January 27, according to travel insurance comparison site Squaremouth). This is owed to the rationale that once the outbreak became a known event, risk is assumed by the would-be travelers who book.

“However, there are now some providers who do not consider contracting the virus as foreseen, even during a global pandemic like the coronavirus outbreak,” says Kasara Barto, public relations manager for Squaremouth. “In this case, trip cancellation benefits can still apply if a traveler contracts the virus or is physically quarantined and unable to travel as planned."

Economic-woe scenarios, like having to cancel if you are laid off from your job, or if a travel supplier should declare bankruptcy, are typically covered under standard plans. Squaremouth notes, however, that coronavirus-prompted impacts like travel bans and border closures are not usually covered by standard policies, nor are cases of cruise lines canceling a scheduled sailing (in which case, the cruise companies themselves would be expected to pick up the tab for reimbursement, or to offer a voucher for future travel).

Because of these exclusions, industry experts advise that a “cancel for any reason” policy upgrade will offer some level of protection even if your reason for canceling is based on fear of travel alone. With this more expensive insurance, you must meet criteria like purchasing your policy within a set time frame (typically within 14 to 21 days of your initial trip deposit) and you must also cancel your trip at least two days in advance of departure.

Keep in mind, too, that down the road, in the post-coronavirus world, industry insiders forecast that new virus-related policy inclusions will become part of standard policies. “Similar to how the September 11 attacks led to terrorism coverage to be offered standard on most travel insurance policies, we anticipate that the COVID-19 pandemic will lead the travel insurance industry to offer more policies that include coverage for pandemics, which may cover things like CDC alerts, travel advisories, and stay-at-home orders,” Barto says.

Insurance and medical incidents

Beyond trip cancellation, medical incidents while traveling present another major need for coverage, since it’s unlikely that your regular health insurance covers such expenses abroad. Most ships have onboard doctors, but visiting them isn’t cheap nor is emergency medical evacuation in the case of more serious illnesses or injuries. “Without [insurance], your out-of-pocket costs could be astronomical,” McDaniel says.

Page of AIG Travel agrees. “Even a short weekend cruise could turn costly if a traveler has an accident or becomes ill, and requires emergency medical treatment or a medical evacuation from sea,” he says, pointing out that travelers are more prone to injury since they often take risks on vacations—like jet-skiing or hiking on unfamiliar terrain —that they might not take back home. “It’s important to ensure the policy you purchase covers the things you may need, such as pre-existing medical conditions or adventure activities,” Page says.

Specific to the coronavirus, should you contract the virus while cruising, “medical coverage availability will vary per travel insurance provider,” Barto says, noting that a half-dozen insurers were offering such medical coverage as of press time. “While some providers are still providing medical benefits for newly purchased policies, others are only covering medical expenses related to the coronavirus to insureds who bought a policy prior to the outbreak.” Coverage in regards to scenarios like being denied boarding (for registering a fever at port or having recently traveled to a high-risk destination for COVID-19, for instance) or being placed in mandatory quarantines likewise can vary by insurer.

Orlando —based travel agent Kelley Lord is an avid cruiser, with nearly 40 cruises under her belt, and she has taken out a policy for every one of them. It’s proven to be a smart strategy: In 2017 alone, her family had to cancel three separate cruises at the last minute, due to medical issues. “We had a 17-night, port-intensive cruise and Europe trip planned for early June that included expensive flights, prepaid excursions, hotels, and the cruise fare,” she says of one incident. “My husband tore up both of his knees in late May playing kickball at the company picnic and had to have double knee surgery. There was no way we could make the trip.” Thankfully, in that and the other two instances that followed that year, “we filed with our travel insurance and were able to recoup most of the cost of the trip,” she says.

Where to buy cruise travel insurance

While cruise lines usually offer their own insurance policies, experts advise looking instead to an independent, third-party insurer. “Travel insurance policies from independent insurers tend to be more comprehensive than those you might purchase through a cruise line,” McDaniel says. “Cruise line insurance is usually secondary coverage, meaning you’ll first need to file through any private insurance policies [like homeowner’s or renter's] that you have before your travel insurance will kick in. This could mean needing to pay out-of-pocket to start.”

Adds Page: “The advantage of purchasing a comprehensive travel insurance policy through an insurance provider like Travel Guard is that the comprehensive plans may offer additional benefits, such as emergency medical evacuation, which may not be available under protection plans offered through cruise lines.”

In addition, cruise line insurance can be more limited than you might expect. “Travelers who purchase the cruise line’s policy can only insure expenses purchased directly through that cruise line," says Jenna Hummer, former director of public relations for Squaremouth. "Any outside airfare or expenses would be forfeited in the event of a cancellation.”

You can pick up a policy from your travel agent directly through a reputed individual insurance provider (like AIG Travel Guard or Allianz), or via an insurance comparison site that lets you compare plans from various insurers (like Squaremouth or InsureMyTrip).

How much does cruise travel insurance cost?

The cost of a standard policy is calculated as a percentage of your overall vacation expenses—generally anywhere from 5 to 10 percent of your total prepaid, nonrefundable trip cost, according to data provided by Squaremouth. “The premium varies by policy and provider, depending on three primary factors: total trip cost, age of travelers, and length of travel,” Hummer says. “Older travelers taking long, expensive cruises will most likely be paying more for the same policy as a younger traveler taking a cheaper trip.”

According to Squaremouth, “cancel for any reason” benefits will typically increase a policy’s premium by roughly 40 percent over the cost of a standard policy, and will only cover a portion (up to 75 percent) of the total trip cost’s reimbursement.

When to buy cruise travel insurance

Experts say to buy your travel insurance as soon as you’ve booked your cruise —that will give you the biggest window of protection should anything arise before you set sail. Hummer says that coverage for preexisting medical conditions is sometimes available at no additional cost from independent insurers—but only if you purchase that policy within 14 to 30 days of your first trip payment.

Remember that you can’t purchase a policy after an event transpires that leads to a claim (say, after you get into an accident and break your leg), but you can purchase standard insurance plans as late as 24 hours in advance of your scheduled departure. As noted before, "cancel for any reason" policies typically must be purchased within 14 to 21 days of your initial trip deposit.

Though you may never use the insurance you purchase, should an issue pop up, the investment can prove to be of great benefit, both economically and psychologically. Lord says, from experience, “You never know when you will need it, but if you do, you will be so grateful that you have it.”

This story was last published in March 2020. It has been updated with new information.

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Cruise travel insurance: What it covers and why you need it

What does cruise travel insurance cover? And does it pay to buy cruise travel insurance?

The answer is not always clear-cut, as we'll discuss in this guide. But consider this: It's not always smooth seas when it comes to cruising. Even the best-laid plans for a cruise vacation can sometimes be thrown off course by an unexpected event.

You might need to cancel a cruise in advance due to the sudden onset of an illness, such as COVID-19 or the flu. Or, maybe you fall ill during the cruise and need emergency medical attention. Maybe your flight to your ship gets canceled, and you miss the vessel's departure. Or your ship is late arriving in port at the end of a voyage, and you miss your flight home.

In all of these situations, you might benefit from having cruise travel insurance — keyword "might."

Cruise insurance policies vary widely, and not every policy covers every type of mishap. That's why it always pays to read the fine print in a travel insurance policy before you purchase it to know what you're getting in advance.

It's also why you should read this introduction to everything you need to know about cruise insurance. It has many details, but the next time something unexpected happens on your cruise vacation, you'll be glad to be educated and covered by a comprehensive travel insurance policy.

What does travel insurance cover when you cruise?

The typical cruise insurance policy covers a wide range of circumstances that can go wrong in conjunction with a vacation at sea — both before and during the sailing.

For starters, policies often will reimburse you for the cost of canceling a cruise due to a last-minute crisis. They will also often cover costs related to an interruption of a cruise (maybe your ship breaks down, requiring you to fly home mid-voyage ). These two elements are known as trip-cancellation and trip-interruption insurance, and they are bundled into a typical travel insurance policy.

Some policies will also cover out-of-pocket costs related to a flight delay or cancellation that results in you missing your cruise departure (for instance, the cost of catching up to the ship at its next port). Expenses related to baggage delays and loss are often covered as well.

But perhaps most importantly, many travel insurance policies will cover medical expenses you incur while on a cruise. Some will even cover the cost of evacuating from a foreign destination if you are in the midst of a medical crisis.

Travel insurance giant Allianz Global Assistance reports that 53% of all cruise-related "billing reasons" for claims are because of illness for the insured person, while 14% are for an injury. Another 8% are for the illness of a family member, 4% for the death of a family member and 4% for the illness of a traveling companion, among other reasons.

Those percentages include illness and accidents that happen to cruisers just before a trip, making travel impossible. But, in many cases, such claims result from illness and injuries that occur during voyages.

"People often take risks during vacation that they might not take back home, whether riding a jet ski, zipping around on a motorized scooter in a city they don't know well or hiking unfamiliar terrain," James Page, senior vice president and chief administration officer of AIG Travel, told TPG .

Some policies also cover the financial default of a travel provider. In such cases, if your cruise line goes out of business before you sail, you could get all — or at least some — of your money back.

Cruise travel insurance policies don't cover everything. For instance, standard travel insurers generally will not reimburse you for the cost of a cruise you cancel due to worries about an outbreak of an illness. That's true even if a U.S. government agency such as the U.S. Centers for Disease Control and Prevention issues a recommendation that you don't cruise due to an illness outbreak, as it did during the COVID-19 pandemic .

If you want the ultimate flexibility to cancel for such a reason or any other, you'll want to look into a more expensive cancel for any reason travel insurance upgrade.

Related: Avoiding outbreaks isn't covered by most travel insurance policies

Where to find a cruise travel insurance policy

You can buy a travel insurance policy directly from your cruise line when booking your trip or through your travel agent (if you're using one, which often is a good idea when booking a cruise). You also can go directly to a third-party travel insurance provider or a travel-insurance aggregator site, such as InsureMyTrip or TravelInsurance . Your credit card might even give you some travel protections.

Here's what you need to know about each type of cruise travel insurance.

Third-party insurance companies

Third-party insurance companies that specialize in writing travel insurance include AIG Travel, Allianz Travel Insurance, Travelex Insurance and American Express Travel Insurance.

One reason to use a travel agent or a travel aggregator: They can help you find a policy that offers added coverage specific to cruising.

Related: The Points Guy's guide to the best travel insurance companies

"Many plans now offer benefits that will specifically appeal to cruise travelers, such as missed connection, missed port-of-call and cruise disablement coverage," Stan Sandberg, cofounder of TravelInsurance.com, said.

Missed connection coverage reimburses cruisers for a set dollar amount if they need to rebook travel to catch up with their cruise at the next port. Missed port-of-call coverage pays a benefit if the cruise ship misses a scheduled port of call due to weather, a natural disaster or a mechanical breakdown.

Cruise disablement coverage pays a benefit if the traveler is confined on a ship for more than five hours without power, food, water or restrooms.

As noted, policies vary widely. It's a good idea to compare plans and make sure the one you buy has the elements that are most important to you. One size doesn't fit all.

Credit cards with travel benefits

Some premium credit cards offer valuable travel protections comparable to what you might get from a standard travel insurance plan. For example, the travel insurance provided when you pay for travel with select cards can reimburse you for expenses if your baggage is damaged, you're stranded overnight due to a flight delay or cancellation, or you have to return home to handle a family medical emergency.

The Chase Sapphire Reserve card, for example, offers trip delay reimbursement, trip cancellation and interruption insurance, emergency medical coverage and even medical evacuation coverage , among other benefits. And yes, cruise lines are considered common carriers just like airlines.

If you're planning to rely on a card like the Chase Sapphire Reserve or The Platinum Card® from American Express * (among others) for travel insurance, just be sure to recheck your card's benefits and limits carefully against regular travel insurance. You must pay for at least part — and sometimes all — of the trip with that credit card to take advantage of its protections.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

Related: The best credit cards for booking cruises

Find out if your credit card protection includes travel accident insurance or covers preexisting medical conditions, and figure out when it will pay you back. Other questions to ask: What are the coverage limits? Will you have to pay for a foreign hospital bill upfront and then seek reimbursement later?

Cruise lines

Cruise lines often ask consumers booking a cruise to buy the line's own protection at the time of purchase. If specifics about the coverage are lacking, always ask the line for details in advance, review coverage perks and limits; then, compare those to one or two independent travel insurance policies or your credit card's insurance benefits.

Related: A beginners guide to picking a cruise line

Cruise line travel insurance policies sometimes have quirks. Many cruise companies will only offer a travel voucher or credit for future use in the event of a covered cancellation, not an outright refund.

Also, financial default may not be a covered event in a cruise line-sold policy, but it's typically covered with plans from third-party travel insurance companies.

Cruise line policies also can be more restrictive.

"Cruise line insurance seems to have become better and has more widespread coverage than in the past, but it typically won't cover air or pre- and post-travel [arrangements] unless those elements are purchased through [the line]," said Debra Kerper, a Cruise Planners travel adviser from Carrollton, Texas, who books travel and sells private insurance. "This is when private insurance coverage becomes so very important."

How much does cruise insurance cost?

Expect to pay anywhere from 4% to 8% of your total prepaid, nonrefundable trip expenses for a travel insurance policy. That's a wide range, we know, but it reflects the wide range of products out there.

You'll also find some basic plans that cost even less than 4% of your trip expenses, while some super-premium plans that cover just about any conceivable issue can cost as much as 12% of your trip expenses.

Related: What's included in your cruise fare?

All reputable insurance companies will offer a "free-look period" during which you can receive a 100% refund on your premium. This allows you to review the policy you've selected and return it for any reason within the period allotted — usually for a small administration fee of less than $10.

Under normal circumstances, you don't need to purchase a so-called "cancel for any reason" add-on to your cruise travel insurance policy unless you really need the flexibility. The upgrades are significantly more expensive.

You can receive a quote and purchase a policy online in minutes with any credit card. Although you may think travel insurance should code as "travel" when paid on a credit card and thus be eligible for bonus points on certain cards, that isn't always the case. Your points earnings will depend on the individual underwriter's merchant code. When in doubt, expect the purchase to fall under the insurance category for earnings.

Should I buy travel insurance for a cruise?

Whether you buy travel insurance is a personal decision that will depend on many factors. Would you be willing to absorb the loss of canceling a cruise on short notice due to an illness or accident? Could you afford an evacuation flight from a far-off port if you suddenly became seriously ill? Only you can answer those sorts of questions.

Here are some things to consider as you make that decision.

You might not be covered by regular medical insurance while cruising

If you're a U.S. citizen traveling internationally (which will be the case for most cruises), you may find that most private medical insurance plans in the U.S. won't cover you.

Additionally, Original Medicare only covers people traveling outside U.S. borders in limited circumstances.

While certain Medicare Supplement Plans do have some foreign emergency medical benefits, not all do. Be sure to talk to your Medical Supplemental Plan provider to see if you're covered, what's covered, what the limits are and how the bill is paid.

Also note that, in some countries (particularly those in Central and South America), travelers may not be discharged from a hospital until their bill is paid in full.

Related: Trip wrecked: 7 ways to prepare for any kind of travel disaster

Plus, if you have a medical incident overseas, you could find yourself stuck in a shared hospital room without air conditioning or a private bathroom. The level of care may not be what you expect.

"For people traveling internationally, it's crucial to know beforehand where to go for any treatment … and how they're going to pay for that treatment," Page said.

Getting evacuated for a medical condition is expensive

Most airlines won't accept seriously ill passengers, those carrying bulky medical equipment or those requiring a full medical team.

Even a low-cost weekend getaway on a cruise to the Bahamas out of Miami can turn costly if you suffer a serious accident or illness requiring medical treatment or an emergency medical evacuation.

Related: Do cruise ships have doctors, nurses, medical centers or hospitals?

Being flown back to the U.S. from a far-flung overseas location in a private, medically equipped aircraft, with a professional medical team on board, can run between $70,000 and $180,000, according to Mike Hallman, president and CEO of Medjet, a medical transport membership company.

"Domestic transports, which we cover as well, can cost upwards of $30,000," Hallman said.

Without proof of medical evacuation coverage, foreign providers will also want that money upfront. Hallman said that regular travel insurance will typically get you to an acceptable overseas hospital and even to a higher-level care facility if "medically necessary." Alternatively, medical evacuation coverage means you can fly home to your own hospital, doctors and family — without claim forms, cost caps on transports or surprise bills.

The tandem approach — buying both travel insurance and a separate medevac transport membership — is a good option, Hallman said.

"We always recommend travel insurance, as it covers trip interruption, which is important, as well as medical coverage for the hospital and treatment costs," he said. "We pick up where they leave off."

You can't predict the weather

Cruising is a great way to explore multiple destinations in one trip. But it's good to remember that unexpected delays, interruptions or cancellations due to weather can happen during cruises, particularly during hurricane seasons in places such as the Caribbean and Asia (where hurricanes are called typhoons).

During a typical hurricane season (June 1 to Nov. 30), Allianz pays about 6,000 claims from customers whose travel plans in the Caribbean, Gulf of Mexico and southeastern U.S. are affected by the storms, according to a spokesperson for Allianz Global Assistance USA.

If you're hoping to insure against a storm-related disaster, it's good to buy travel insurance as early as possible. Once a storm or hurricane is named, it's too late to buy travel insurance to cover it.

Of course, cruise lines will move ships away from a weather threat. When the port lineup is adjusted or the cruise shortened, the company will offer the guest an onboard credit, onboard gift or future cruise credit rather than any refund. It depends on the circumstances of that specific voyage. You won't be able to make a claim on your cruise travel insurance policy just for a minor itinerary change .

Related: Everything you need to know about cruising during hurricane season

Costs can mount quickly when things go wrong

Even if the cruise line does provide a full or partial refund or cruise credit for an itinerary change or some other interruption, travelers could have to swallow the cost of other travel elements not purchased through the line. That could include nonrefundable flights , prepaid resort or hotel nights, nonrefundable tour fees and more.

Travel insurance can cover those, plus help with flight delays or cancellations, baggage loss or theft.

If a winter storm causes you to miss your flight to where the ship is boarding , "travel insurance could help you get to the next port to join the cruise, so you don't miss your entire trip," Page said.

In fact, 13% of "billing reasons" for claims to Allianz are for common carrier delays (such as a flight delay), while weather and natural disaster-related claims account for about 3%.

The government probably won't bail you out

While cruise ships have medical facilities, they're usually not equipped to treat serious illnesses. If you experience a serious medical problem on a vessel, you may have to get off the ship in a foreign port to seek treatment at a hospital. In such a case, if you don't have medical evacuation insurance, you may then find yourself stranded in that port awaiting a medical evacuation.

Don't expect Uncle Sam to step in and help foot the bill.

The U.S. Department of State's Bureau of Consular Affairs clearly states the importance of buying travel insurance.

"The U.S. government does not provide medical insurance for U.S. citizens overseas," the bureau says on the website. "We do not pay medical bills. You should purchase insurance before you travel."

You may need more assistance than you think

If you're injured or become severely ill during a cruise, especially in a foreign country, it may be difficult to access help without the assistance of trained professionals that comes with many insurance plans.

Many travel insurance companies provide around-the-clock assistance with locating overseas clinics and pharmacies, getting to a doctor or hospital, refilling lost or depleted prescriptions, assisting with up-front payments to hospitals, and arranging flight changes so you can get home.

Travel insurance companies also can arrange for an air ambulance, a nurse escort, oxygen and a lie-flat seat on a flight home if your medical condition warrants it.

You want to be careful if you have preexisting conditions

When you cruise, it's important to be fully covered, which means having comprehensive medical coverage that includes any preexisting conditions. Otherwise, if you head into a doctor's office overseas, have any tests completed, or visit an urgent care center or emergency room, you might not be covered.

Here, timing is extremely important. Cruisers seeking coverage of preexisting conditions, as well as cancel for any reason insurance, generally must book within seven to 21 days of the first payment they make for a trip. The timing varies by insurer.

Bottom line

Cruise insurance isn't for every traveler — or even for every sailing. It's not inexpensive. However, it can bring a lot of peace of mind if you're about to head out to sea. Do your homework, compare plans and always assess the risks.

Planning a cruise? Start with these stories:

• The 5 most desirable cabin locations on any cruise ship
• The 8 worst cabin locations on any cruise ship
• A quick guide to the most popular cruise lines
• 21 tips and tricks that will make your cruise go smoothly
• Top ways cruisers waste money
• 12 best cruises for people who never want to grow up
• The ultimate guide to what to pack for a cruise

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Should you buy travel insurance through a cruise line? Maybe not, experts say

Philip Perrey took a cruise with his family to Mexico in November, but navigating the travel insurance they purchased to protect their trip proved to be anything but a vacation.

A few months before the trip, he got a refund from Celebrity Cruises after the insurance he'd purchased for him and his wife, Lindsey, through the line had been canceled by mistake.

He bought a new policy through a separate provider, which came in handy when his flight to Miami was delayed and he had to rebook with another airline, reimbursing him for part of the original fare. "It was just not the way you want to start a cruise vacation," Perrey, 45, told USA TODAY.

But when he tried to help his in-laws – who had joined him, his wife and his parents on the cruise, and also purchased insurance through the line – get reimbursed, he had no such luck. Aon Affinity, which administered the coverage for his in-laws, asked for documentation from the airline stating the reason for the delay, Perrey said, which he did not know how to get (though his parents were able to get reimbursed without providing that document).

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"It left a really bad taste in my mouth on that policy," said Perrey, a minister based in St. Charles, Missouri. "We love Celebrity, we're going to keep cruising (with) Celebrity ... but I'm not buying their insurance."

While purchasing travel insurance through a cruise line can be convenient, experts say the coverage may not be as comprehensive as plans passengers can buy separately through third-party providers, and they may want to think twice about the type of policy they choose.

"Royal Caribbean Group guests can purchase travel protection through our trusted partners to protect their vacation purchase," a spokesperson for Royal Caribbean Group, the line's parent company, said in an email. The company "does not service the travel protection program," the spokesperson added, and directed inquiries about Celebrity's coverage to Aon.

Aon did not immediately answer USA TODAY's questions about Perrey's experience.

Should passengers buy travel insurance through a cruise line?

When booking a cruise, buying travel insurance can be as simple as ticking a box during checkout. "That's why it's so successful," said Suzanne Morrow, senior vice president of InsureMyTrip. "Because it's easy, and you don't have to think about it." (Cruise lines typically work with third-party insurers for the policies they provide.)

She said travel companies may also use "scare tactics" to incentivize those purchases. "They'll put in, 'Are you sure want to put X amount of dollars at risk?'"

But those policies may not provide the kind of protection customers are hoping for.

Morrow said travelers should first ask themselves if they want cash or credit. "A lot of the cruise line insurance, it's not (that) you get a refund. It's (that) you get cruise credit for a future cruise," she said.

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Sick onboard: More than 300 people fall ill on Ruby Princess cruise ship, CDC says

What should travelers do with all these cruise credits?: Here's what to know

Those policies may also be "a lot thinner" than the ones travelers can buy on their own. If passengers have to cancel their trip, for instance, the insurance may cover fewer reasons, according to Morrow.

Maurice Smith, a luxury travel adviser and founder of the travel agency Eugene Toriko, echoed that and said third-party policies generally have higher limits for health coverage.

Many health insurance plans do not cover medical expenses incurred at sea or in foreign countries, Dr. Joe Scott, senior director of fleet medical operations at cruise line operator Carnival Corp., told USA TODAY in February. He said at the time that he was "not aware" of any cruise line that accepts insurance in its medical facilities, and highly recommended passengers purchase travel insurance, which he said is more likely to cover those bills.

Story continues below.

How much does cruise insurance cost?

The rates for insurance purchased through a cruise line tend to be a percentage of the trip costs, Morrow said. But the price of policies travelers purchase on their own may be based on a range of additional variables, including age and even destination.

"There's so many more factors that go into the calculation of the cost, that a lot of times you can pay less and get more coverage," she said.

Smith said browsing beyond the cruise line's offerings can help travelers find deals on insurance. "If you shop around, sometimes you can't actually find a better rate," he said. The value of a given policy is also dependent on the kind of coverage a traveler wants.

Morrow also noted that cruise lines, like airlines or hotels, typically offer a certain amount of protection even without passengers purchasing insurance, such as in the form of refunds or credit in the event of a cancellation. "And then that next level is what you're purchasing to extend that coverage or to get better coverage or to have more reasons or whatever," she said.

How to find cruise insurance

Smith advised travelers to weigh the pros and cons of policies provided through the cruise lines against those they can purchase through a third party. The details of the coverage can be found on the cruise line and insurance providers' websites, he said.

Travelers can also compare options via sites such as  InsureMyTrip or Squaremouth . Many insurance providers also have customer service agents travelers speak with, Morrow added.

"It sounds simple enough on the surface ... but it really does come down to each trip that you're taking and the things that you're concerned about, and whether or not you want to have some sort of peace of mind," Morrow said.

Nathan Diller is a consumer travel reporter for USA TODAY based in Nashville. You can reach him at [email protected].

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Which travel insurers cover you for cruises?

Cruises are officially back on the cards and people are queuing up to get on board. here's how to make sure you're covered..

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Checked for accuracy by our qualified fact-checkers, verifiers and subject experts. Find out more about fact-checking at CHOICE .

Need to know

• Most travel insurers cover cruises but there are some exclusions and fine print to be aware of
• For example, you won't be able to claim for events that occur because you've had too much to drink
• You need to make sure you declare your pre-existing medical conditions

With the restrictions on cruises finally lifted post-pandemic, the industry has bounced back in a big way this year and is more popular than ever.

But some people lost thousands of dollars on cancelled cruises during the COVID-19 travel bans and some cruise lines might not even let you on board without travel insurance.

So if you're planning a cruise, read on to discover how to choose the travel insurance policy that's best for you.

On this page:

Travel insurance for overseas cruises

Which travel insurers cover international cruises, what cruise travel insurance won't cover, do i need insurance for australian cruises, when to buy travel insurance for a cruise.

Most travel insurers cover international cruises that start and end in Australia, usually as an optional extra (we haven't looked at cover for cruises that start and/or end overseas). 

Some providers also offer tailored cruise travel insurance, which can give you access to additional inclusions that are unique to cruising and that may not be covered in standard policies, such as cover for missed ports, missed departures, or cabin confinement due to illness.

When choosing a policy, it's important to make sure the region you're visiting is covered and that it suits your needs and itinerary.

Check the policy age limit, as some policies cover you up to the age of 100 but others only cover you up to 69. 

It's also worth noting that if you want cancellation coverage in case a relative in Australia becomes ill or dies, the relative will also need to meet the age limit on the policy and satisfy the existing medical condition requirements.

Australian authorities no longer require people to prove they've had a COVID-19 vaccination in order to board, but it may be required for some destinations such as New Caledonia, and cruise ships are still a higher risk setting for diseases like gastroenteritis and respiratory infections, including influenza (flu) and COVID-19. So check if you have medical and cancellation cover for COVID-19 and other illnesses.

Existing medical conditions and pregnancy

As with other types of travel insurance, some pre-existing medical conditions may not be covered, and others will need to be disclosed in order to be covered. If in doubt, contact the insurer to discuss your needs.

It's also worth noting that pregnancy is considered an existing medical condition. Some insurance policies cover pregnancy up to 30 weeks, but most cruise lines won't allow you on board if you're more than 24 weeks pregnant.

Travel insurance and alcohol

Some people liken cruises to a floating RSL club, but the combination of alcohol and a seagoing vessel can cause accidents. 

In an Australian Financial Complaints Authority (AFCA) case, Phil* fell down a flight of stairs on a cruise ship and suffered a moderate brain injury, skull fracture and right lung contusion.

All travel insurers have a clause that excludes cover for claims resulting from a person being under the influence of alcohol

Phil said the area was not well lit and the steps would have been slippery, while his wife said he was walking steadily. He was taken to a hospital in Austria and a test showed that he had a blood alcohol content (BAC) of 0.198%.

The insurer had an exclusion for "any conduct engaged in whilst under the influence or effect of alcohol or drugs", and AFCA sided with the insurer, determining that Phil's claim for expenses should be denied.

All travel insurers have a similar clause that excludes cover for claims resulting from a person being under the influence of alcohol.

* Not their real name. Policyholder names are not disclosed in AFCA case records.

Even if you book a cruise that won't be leaving Australian waters, you may still need travel insurance as shipboard medical expenses might not be covered by Medicare. Check that your travel insurance does cover medical costs – you may need international or cruise-specific insurance. Domestic travel or health insurance won't cut it.

Doctors working on cruise ships don't need Medicare provider numbers, so check with your cruise line if they have a Medicare doctor on board. If they don't, and they treat you, you can't claim on Medicare or your private health insurance, even though you never left Australia. 

Domestic travel insurance doesn't cover medical costs, so you'd need either international travel insurance (check that it covers domestic cruises) or special 'domestic cruise' insurance, which is available from a few select insurers.

Cruises are often booked well ahead of time, so you could be forgiven for forgetting or delaying the purchase of your travel insurance. But if your cruise is cancelled ahead of time and you don't yet have cover, you could lose your money. The earlier you buy the policy, the better.

On the flip side, there aren't many insurers that cover you more than a year out from starting your trip. If you book your trip more than a year out, shop around for a policy that will cover you.

Stock images:  Getty, unless otherwise stated.

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How To Buy Travel Insurance For Cruises

Updated: Jun 26, 2023, 4:43pm

Table of Contents

Do i need travel insurance for a cruise, what insurance do i need for a cruise, how to buy the required insurance for a cruise, when should i buy travel insurance for my cruise, what are the covid-19 requirements for going on a cruise, how to buy the required travel insurance for cruises (faq).

If your travel bucket list includes sunny skies, ocean views and kicking back at sea, you’re not alone. Canada’s largest port, the Vancouver Fraser Port Authority, is expected to receive between 1.2 million and 1.3 million cruise passengers and 331 cruise ship visits between April and October of this year.

Whether your perfect cruise includes excursions to exotic locations or simply sitting by the pool with a good book and a cocktail, be sure that your packing list includes travel insurance.

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Practically speaking, the nature of a cruise presents a number of unique challenges if a crisis does emerge while you’re on one—making travel insurance coverage essential for cruiser-goers. And while nobody wants to think about what could go wrong while planning a vacation, it’s important to know that, without travel insurance, your dream cruise could turn into a financial and logistical nightmare.

While travel insurance isn’t mandatory with most cruise operators, if you choose not to purchase it before you set sail, you run the risk of financial disaster if something unexpected happens. Here are a few scenarios to consider:

Medical Emergency: Say you have a heart attack while you’re on a cruise and the ship’s doctor decides your condition requires treatment at a hospital. You might be evacuated from the ship immediately (at your expense) or you may be dropped off at the next scheduled port of call where you’ll need to pay for any treatment out of pocket if you don’t have travel insurance. If that medical facility isn’t equipped to manage your case, you may then be rerouted to a hospital back home.

While publicly-available emergency transportation fees are hard to come by due to the many variables that make up the final bill, Allianz estimates that cost of a stretcher flight with a medical escort averages between $25,000 to $30,000 USD, while an air ambulance can cost up to $50,000 USD.

Trip Cancellation: Say you need to cancel your trip for some reason, such as a family emergency, you get called for jury duty or your spouse loses their job. Most cruise operators have a strict no-refund policy within a set period of time, such as 30 or 60 days before your cruise departs. Without trip cancellation coverage, you’ll be out all those prepaid non-refundable expenses.

Travel Delay: Imagine you’re all excited to beat Canadian winter with a Carribbean cruise leaving from Miami. Trouble is, your flight out of Toronto gets cancelled due to a two-day snowstorm, and the cruise ship leaves without you. Unless you have travel insurance with coverage for a missed connection, you’ll be paying out of pocket for a catch-up fare to the next port of call.

Trip Interruption: You’re halfway through your 14-day cruise when you hear your father had a bad fall and broke his hip. You need to get home quickly. Travel insurance that has trip interruption coverage will pay (up to the covered limits) for an early flight home. Otherwise, you’re no longer just worrying about your dad, but how to shell out for an unexpected flight.

Even if your cruise line isn’t requiring proof of travel insurance, it can be a smart buy for any cruise passenger because of the multi-leg nature of a cruise.

What’s more, a cruise vacation is unique in that the medical facilities offered on the ship will likely not be able to handle a serious medical emergency. And if your flight is delayed and you arrive after the cruise ship leaves port, it’s not like you can ask the ship to wait for you. You’ll need to fly to the next port and without travel insurance and you’ll be paying out of pocket for those flights.

Here are some of the travel insurance benefits that are most important for cruisers:

• Trip cancellation insurance in case you need to cancel for a reason listed in your travel policy, such as you become ill or you lose your job.
• Trip interruption and delay insurance , including coverage for a missed connection.
• Emergency medical in case you become sick or injured while at sea or during an onshore excursion.
• Emergency evacuation and/or repatriation if you need to be medically evacuated and/or returned home.
• Baggage insurance for lost, damaged or delayed baggage.
• Financial default (if the cruise line goes bankrupt).

Cruise passengers can purchase travel insurance directly from the cruise lines (often available as an add-on during the booking process), an insurance broker or directly from an insurance company.

While it can seem convenient to purchase your travel insurance directly from the cruise, it may not meet your coverage requirements. For example, you can purchase Vacation Protection on a Carnival cruise that offers trip interruption, baggage insurance, emergency medical and emergency evacuation, but the emergency medical tops out at $10,000 in coverage while most standalone policies with Canadian insurers start at $5 million. Or, if you have a pre-existing health condition, some insurance providers, such as CAA Travel Insurance and Manulife Financial , offer additional coverage options that might not be available through the cruise line.

If you decide to get expanded coverage by buying a policy on your own, a travel insurance agent can help you find the coverage types you want for the cruise and price-shop the policy for you or you can search online.

Also, check the fine print of the travel insurance offered by a cruise line to ensure that in the event you need to make a claim, you’re reimbursed with the money that you’re out, and not reimbursed with a cruise credit, though some cruises offer a combination of the two payouts. For example, the Royal Caribbean Travel Protection Program offers a cash reimbursement of the unused portion of your prepaid cruise expenses if you have to cancel for a specified reason. If you need to cancel for any other reason, you may be eligible for a future cruise credit of up to 90% of non-refundable, prepaid cruise expenses.

Keep in mind that while some insurers may advertise “cruise insurance,” you don’t need specific travel insurance for a cruise: Any comprehensive travel insurance plan will do.

Most cruise lines and travel insurance companies allow you to purchase a policy within 24 hours of your cruise departure.

But there are advantages to purchasing a travel insurance policy from an insurance company earlier, such as when you put the deposit down on your cruise:

• You’re covered longer for trip cancellation in case something happens that forces you to cancel your trip before departure. (Be sure to check the policy for reasons that are covered.)
• You can buy a “cancel for any reason” (CFAR) upgrade if your travel insurance company offers you one, though many companies require you to do this shortly after booking your trip. This add-on will allow you the most flexibility in making a trip cancellation claim. If you cancel for a reason not listed in the base policy you can still receive partial reimbursement (usually 50% or 75%).
• Even if your travel insurance covers severe weather events, such as a hurricane, it  might not cover a cancellation once a storm has been named.

Due to the nature of a cruise ship, where travellers are confined in close quarters, even though testing requirements have been dropped when entering Canada, don’t assume you won’t be asked for a negative test before boarding. The same goes for vaccination status.

That’s why it’s critical to check with your cruise operator if testing requires and/or vaccinations are required. Here are the current requirements of some popular cruise ship operators:

Celebrity Cruises: As of May 5, 2022, all guests ages 12 and older must be fully vaccinated with last primary dose administered at least 14 days prior to embarkation. COVID-19 booster vaccine shots are not currently required but are highly recommended.

Royal Caribbean: While testing isn’t generally required, all travellers age 12 months and older must bring a negative test result for a COVID-19 test taken no more than two days prior to sailing for a cruise ending in Australia.

Carnival: For cruises of 15 nights or less, vaccines are generally not required but the operator encourages travellers five years and older to be fully vaccinated. Pre-cruise COVID-19 tests are also not required but are encourage for travellers five years and older. (Cruises leaving from or going to Australia have their own requirements.) For most cruises of 16 nights or more, al travellers 18 years of age and older may be required to present proof of vaccination (including a booster if they are more than 6 months past the last dose of their initial vaccine series) and a negative COVID-19 test.

Disney Cruise Line: For sailings departing from the U.S. and Puerto Rico, Disney Cruise Line no longer requires travellers to be vaccinated and tested for COVID-19. However, the operator highly recommends that all guests become fully vaccinated before sailing and encourage unvaccinated guests to take a COVID-19 test two days prior to their cruise.

Since the World Health Organization (WHO) declared an end to the COVID-19 pandemic as a global health emergency, most countries have dropped all COVID-19 related entry requirements.

Does my provincial health insurance work on a cruise?

If you require emergency medical assistance while on a cruise or during an onshore excursion, coverage from your provincial health insurance, such as OHIP, will be very limited. Without travel insurance you may be required to pay out of pocket for treatment and any associated expenses.

Does cruise travel insurance cover pre-existing conditions?

Most travel insurance providers will not pay any medical expenses related to a medical condition that is not stable for a set period of time before your coverage takes effect, usually 90, 180 or 365 days. While each insurers has its own definition of “stable,” in general, a medical condition is considered stable when there has been no change in treatments or your condition within that period of time. Some insurers, such as CAA Travel Insurance, have a pre-existing conditions rider, that reduces the stability period to seven days.

What kinds of activities are covered by travel insurance?

Travel insurance is there to cover the financial costs of unforeseen and unexpected situations. That’s why many insurance providers don’t cover higher risk activities, such bungee jumping or scuba diving. If you’re planning a shore excursion that involves some kind of adventurous activities, ensure your travel insurance includes these or offers a some sort of rider that you can purchase for extra.

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Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

Courtney Reilly-Larke is the deputy editor of Forbes Advisor Canada. Previously, she was the associate editor of personal finance at MoneySense. She was also managing editor of Best Health Magazine and has contributed to publications such as Cottage Life and Blog TO. She currently lives in Toronto.

An introductory guide for travelers, covering essential topics such as travel protection, travel insurance and how to navigate specific scenarios. This resource aims to equip travelers with basic travel knowledge and confidence.

Navigating Smooth Sailing, Cruise Travel Insurance for Senior

Discover the importance of cruise travel insurance for seniors, covering medical needs, trip cancellations, and more. Find out why seniors need specialized coverage, explore AXA's protection plans, and get a free quote today.

Cruise Travel Insurance for Seniors: Plans & Coverages

​​ Cruise travel insurance for seniors may cover medical bills, emergency evacuation, trip cancellation, trip interruption, and lost luggage.

When purchasing cruise travel insurance, seniors should consider their needs, pre-existing conditions, and trip details.

It is recommended that travel insurance is bought early to maximize the coverage window.

A cruise might be the perfect adventure to tick off those dream destinations on your bucket list. But for seniors, ensuring smooth sailing requires more than just booking a cruise cabin with an ocean view.

Unexpected health issues can arise, or trips might need to be canceled at the last minute. These situations can be stressful for anyone, but especially for people who may require additional medical attention or support.

The good news? With the right AXA Travel Protection plan, you can travel with reliable support when you need it most. After all, the world is yours to discover – at any age!  

Why do seniors need specialized cruise travel insurance?

1. medicare has limited coverage.

If you're planning an international cruise trip, it's crucial to understand that your Medicare coverage may not extend to cover medical expenses incurred onboard. Typically, Medicare won't apply if you require medical attention while the ship is sailing more than six hours away from a U.S. port. Moreover, it won't cover the costs of medical transport back to the US if such a situation arises.

So, what are your options?

Cruise travel insurance for seniors with emergency medical benefits. This type of insurance can cover your medical bills, hospital stays, and maybe even your emergency transport back to the States if needed.

2. Increased vulnerability to accidents and illnesses

You may be very active and healthy in your golden years, but we want to avoid any mishaps entirely. It's natural for our bodies to change as we age. Bones can become less dense, muscles might weaken, and tissues may lose some elasticity.

On top of that, if you've already got some pre-existing conditions, fighting off a bug or dealing with a minor illness can take a little more out of you. But that’s not something to worry about if you have the right cruise travel insurance that will protect your wallet and make sure you get the care you need.

3. Age-related forgetfulness

Ever forget where you put your keys...again? It happens to the best of us, and as we age, that occasional absentmindedness can become more frequent. For seniors, this can be especially worrisome on trips.

What if you misplace your passport in the airport chaos, or forget essential medication caught up in the thrill of exploring a new city? Cruise travel insurance for seniors can be helpful in these situations.  

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What Does Cruise Travel Insurance for Seniors Cover?

Now, let's jump into the specifics of what cruise travel insurance offers and why it's crucial for seniors.  

Medical Coverage

For seniors, medical coverage is paramount. Pre-existing conditions could complicate matters, but with the right policy, they can be covered. Most plans reimburse you for the non-refundable trip costs, like your cruise fare and flights, if you have to cancel due to a covered medical reason.

Emergency Medical Evacuation

In the event of a medical emergency, having coverage for evacuation and repatriation is vital. This ensures that you can receive necessary medical care and be transported back home safely if needed, sparing you from exorbitant expenses and logistical challenges.

Trip Cancellation/Interruption Coverage

Cruise lines often have strict cancellation policies, making trip cancellation coverage indispensable. This can be due to various reasons, especially relevant to seniors, such as a pre-existing medical condition flaring up or a sudden illness of a close family member.

The coverage often extends beyond cancellations. If a flight delay causes you to miss your cruise departure, trip delay coverage can help ease the financial burden of last-minute rescheduling.

Emergency Assistance Services

Cruise travel insurance often provides access to a 24/7 emergency assistance hotline. These multilingual hotlines can connect you with medical professionals, help translate communications, and even arrange for the coordination of medical care.

Coverage for Personal Belongings

Let's not forget your luggage. Cruise travel insurance for seniors typically offers baggage delay, loss, or damage coverage. This means you'll be reimbursed for essential items if your luggage goes missing or gets damaged during your trip.

However, some policies may have exclusions and limitations for high-value items like jewelry or medical equipment like hearing aids or CPAP machines. Make sure to understand these limitations and consider additional coverage for your valuables if necessary.

Checklist for purchasing cruise insurance as a senior

Know yourself and your needs: Before purchasing cruise travel insurance for seniors, take stock of your individual cruise trip requirements and any pre-existing conditions. For example - do you get seasick easily? Are there specific activities you plan to enjoy on your cruise, like shore excursions or onboard fitness classes? Understanding your potential risks will help you prioritize the type of coverage you need.

Check for policy exclusions and limitations: When exploring cruise insurance choices, carefully examine the policy details to understand what is covered. Focus more on the benefits provided and check that they align with your needs. It is also essential to check for benefit limits under each plan to ensure that you have sufficient coverage for potential expenses.

Consult a travel insurance specialist:

If you are not too much into legalese, don't worry. You can consult a travel insurance specialist to provide expert guidance tailored to your individual circumstances, helping you understand policy terms, exclusions, and limitations.

AXA Cruise Travel Protection Plans for Seniors

AXA offers a variety of travel protection plans to cater to different needs and budgets. There are three different cruise travel insurance plans for seniors. Here's a quick comparison:

Cruise Special - Gold Plan : If you are looking for "just right" coverage, the Gold plan might be a great choice. This plan offers a good balance of coverage, including trip cancellation/interruption, medical expenses, evacuation, and baggage delay. It's ideal for seniors seeking solid protection at a moderate cost.

Highest Coverage - Platinum Plan : This plan offers our highest coverage limits for people over 60, with higher limits compared to the Gold plan, for medical expenses, evacuation, and baggage delays. The optional CFAR coverage allows cancellation for any reason, even if it's not a covered reason under the plan. This plan can be suitable for seniors who prioritize maximum protection and cruising with confidence.

Domestic Cruise - Silver Plan : This plan offers coverage for domestic cruises and covers basic trip cancellation, interruption, medical expenses, and evacuation with lower limits compared to other plans. It's suitable for healthy seniors on short, domestic cruises with minimal pre-existing conditions. It has slightly lower coverage limits compared to the other plans.

AXA Travel Protection Plans Comparison:

Also read: How to Choose The Best Cruise Travel Insurance as a Senior , Best Time to book a Cruise , Do I need a passport for a Cruise?

Claims Process & More

AXA understands that dealing with a travel issue especially when on a cruise ship is stressful enough. That's why it offers two convenient ways to file your claim: online or by phone.

If you prefer the digital route, simply visit AXA's website and access the " File a Claim " section. It's designed to be user-friendly, allowing you to submit your claim electronically with efficiency and ease.

Alternatively, if you prefer a more personal approach, AXA's assistance coordinators are available by phone 24/7. They'll guide you through the process, address any concerns, and ensure a seamless experience from start to finish.

Quick tip: In times of emergency, it's essential to know where to turn first.

In critical situations like sudden illness or travel disruption, reach out to AXA without delay. Their assistance coordinators will provide guidance and support, allowing you to prioritize your well-being without distractions.

But for non-emergency situations like lost luggage or stolen property, the approach is different. If the incident happens onboard your cruise ship, file a report with security. However, if it occurs off the ship, contact the local police. This will also be crucial for filing any claims later.  

1. Is there any age limit for cruise travel insurance?

Most companies do have an age limit for cruise travel insurance. AXA's cruise travel insurance is available up to the age of 99 years, one of the highest limits in the industry.

2. How much does cruise travel insurance typically cost for seniors?

The cost of cruise travel insurance for seniors can vary depending on several factors, including your age, health, the duration of your trip, and the level of coverage you choose. It is recommended to get a quote from AXA to determine the specific cost.

3. I'm over 60 and considering AXA cruise insurance. How can I reach customer support to ask questions before I buy?

AXA offers multiple ways to get help with your cruise insurance questions, especially if you're over 60. You may consult an AXA travel insurance specialist by calling the phone number mentioned on the contact page .

4. Does cruise travel insurance cover flights?

Cruise travel insurance may include coverage for flights as part of a travel delay or interruption coverage. Be sure to read the policy details carefully to understand what's included.

5. What age range qualifies as seniors for cruise travel insurance?

Generally, individuals aged 60 and above may be considered seniors for travel insurance purposes.

6. How do pre-existing medical conditions affect senior cruise travel insurance?

Pre-existing medical conditions can impact senior cruise travel insurance by affecting coverage options and premiums. Look for plans that offer coverage for pre-existing conditions.

7. What documents do I need to provide as a senior to get cruise insurance?

Buying cruise travel insurance for seniors may need documents such as proof of age, passport information, travel itinerary, and details regarding pre-existing medical conditions, if applicable. AXA’s plans can be purchased with basic trip itinerary information and personal details; however, more documentation may be needed in the event of a claim.

8. I already have Medicare. Does that cover me medically on a cruise?

Medicare typically does not cover medical expenses incurred aboard cruise ships or in foreign countries. A supplemental travel insurance plan can provide essential medical coverage while you're cruising internationally.  

Get AXA Travel Insurance and travel worry free!

Travel Assistance Wherever, Whenever Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip Get an instant quote!

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What Do You Need to Travel on a Cruise: Essential Tips for a Smooth Journey

Have you ever wondered what essentials are required for a smooth cruise vacation? Picture this: you’re standing on the deck, the ocean breeze in your hair, but suddenly realize you forgot something crucial. Don’t fret – we’ve got you covered! In this article, we’ll walk you through the must-have items for your next cruise adventure.

Key Takeaways

• Choose the right cruise based on destination preferences and length to ensure an enjoyable experience.
• Have essential travel documents like a valid passport, visas, cruise tickets, and travel insurance for a smooth embarkation process.
• Pack versatile clothing, toiletries, medications, and electronics, including adapters, for various onboard activities and occasions.
• Manage onboard expenses with a cashless payment system, be mindful of currency exchange rates, and understand tipping etiquette.
• Prioritize motion sickness remedies, sun protection, hydration, emergency procedures, and safety drills for a healthy and safe cruise experience.
• Make the most of dining options, entertainment, activities, shore excursions, and exploration in port cities to create lasting memories.

Deciding on the Right Cruise for You

Consider the destination.

When choosing a cruise, think about where you want to go. Whether it’s the sunny Caribbean, historic Mediterranean, or exotic Alaska, selecting the right destination is crucial for an enjoyable trip. Different regions offer unique experiences, so pick one that matches your interests. For example, if you love warm weather and beaches, a Caribbean cruise might be perfect for you.

Choose the Cruise Length

The length of your cruise can significantly impact your experience. Short cruises, typically 3-5 days, are ideal for a quick getaway, while longer cruises, such as 7-14 days or more, allow for more in-depth exploration and relaxation. Consider your schedule and how much time you can commit to the cruise when deciding on the length. If you prefer a relaxed pace with more time at sea, opt for a longer itinerary.

Understanding Cruise Categories

Cruise ships offer various categories of cabins to suit different preferences and budgets. From interior cabins without windows to luxurious suites with private balconies, each category provides a unique onboard experience. Consider factors like cabin size, view, and amenities when selecting a category that aligns with your expectations and budget. For instance, if you prefer a budget-friendly option and don’t mind a lack of natural light, an interior cabin could be a suitable choice.

Essential Travel Documents for Cruising

When embarking on a cruise adventure, having the necessary travel documents is crucial to ensure a seamless sailing experience. Here are the essential travel documents you’ll need to have with you:

Passport and Visas

Your passport is the most important document you’ll need when cruising. Ensure that your passport is valid for at least six months beyond your cruise dates. Some destinations may also require a visa, so check the visa requirements of the countries you’ll be visiting during your cruise.

Example: If you’re cruising to the Caribbean, make sure you have a valid passport and any required visas for stops in countries like the Bahamas or Jamaica.

Cruise Tickets and Boarding Passes

Your cruise tickets and boarding passes are your tickets to board the ship. Make sure to print them out or have them available on your mobile device for easy access during boarding. Keep them in a safe place along with your passport for a smooth embarkation process.

Example: When cruising to the Mediterranean, have your cruise tickets easily accessible on your phone to present them when boarding at ports like Barcelona or Venice.

Travel Insurance Documents

Travel insurance is a vital companion for your cruise vacation. Have a copy of your travel insurance policy and emergency contact information with you. This will come in handy in case of unforeseen events during your trip, ensuring you’re covered for any medical emergencies or trip cancellations.

Example: If you’re sailing to Alaska, having your travel insurance documents readily available will give you peace of mind when exploring ports like Juneau or Skagway.

Packing the Essentials for a Cruise

Clothing and footwear for different occasions.

When packing for a cruise, remember to bring versatile clothing suitable for various occasions on board. Pack casual wear for daytime activities like sightseeing or lounging by the pool. Include swimwear, cover-ups, shorts, and t-shirts. For evening events like dinners or shows, opt for smart-casual or formal attire depending on the cruise’s dress code. Bring along a mix of outfits to cater to different settings and weather conditions.

Toiletries and Medications

Don’t forget to pack essential toiletries and medications to ensure a comfortable trip. Include items like sunscreen, lip balm, hand sanitizer, and personal hygiene products. Carry medications you regularly take and a small first aid kit for emergencies. Remember to check if there are any restrictions on bringing certain medications on board and pack them accordingly. Having these items on hand can help you stay fresh and healthy throughout your cruise.

Electronics and Adapters

Bring along your must-have electronics to stay connected and entertained during the cruise. Pack your smartphone, camera, laptop, or e-reader for capturing memories and staying in touch with loved ones. Remember to pack chargers, power banks, and adapters suitable for the cruise ship’s electrical outlets. It’s also a good idea to have a waterproof case for your devices to protect them during water-based activities. Stay powered up and connected throughout your cruise with the right electronic essentials.

Money Matters on a Cruise

Managing onboard expenses.

When it comes to managing expenses during your cruise, it’s essential to familiarize yourself with the onboard payment system. Most cruises operate on a cashless system where all your onboard purchases are made using a cruise card linked to your credit card or onboard account. This convenient setup eliminates the need to carry cash for transactions. Throughout your cruise, you’ll have the flexibility to charge various services, amenities, and shopping to your account.

To avoid overspending and keep track of your expenses, regularly review your onboard account either through your cabin’s TV system or by visiting the guest services desk. It’s a good practice to monitor your spending to ensure it aligns with your budget. By staying aware of your onboard expenses, you can better manage your finances and prevent any surprises when settling your final bill at the end of the cruise.

Currency Exchange and Tipping Etiquette

Understanding currency exchange rates and tipping norms is crucial, especially when visiting multiple destinations during your cruise. Before embarking on your journey, research the currencies used at each port of call to have a general idea of local exchange rates. While many popular tourist areas accept major credit cards, having some local currency on hand can be beneficial for small purchases or establishments that don’t accept cards.

Tipping practices vary across different countries and cultures. On some cruises, gratuities may be automatically added to your onboard account, while in other regions, tipping may be discretionary. It’s advisable to inquire about the tipping policies specific to your cruise line and destinations to ensure you adhere to local customs respectfully.

By being mindful of currency exchange rates and tipping etiquette, you can navigate financial transactions smoothly during your cruise and show appreciation for exceptional service when appropriate.

Staying Healthy and Safe on a Cruise

Motion sickness and medical facilities.

Prepare for potential motion sickness by consulting your healthcare provider for suitable remedies or medications. Onboard medical facilities can assist if you experience seasickness, so familiarize yourself with their location upon embarking. If you feel unwell, don’t hesitate to seek medical attention promptly.

Sun Protection and Hydration

Shield yourself from the sun’s rays by packing sunscreen with a high SPF and wearing protective clothing, a hat, and sunglasses. Stay hydrated throughout the day by regularly drinking water, especially under the sun’s heat. Remember, it’s easy to get dehydrated while enjoying outdoor activities on the ship or during shore excursions.

Emergency Procedures and Safety Drills

Participate attentively in safety drills conducted at the beginning of your cruise. Familiarize yourself with emergency exits, life jacket locations, and onboard procedures. In case of an emergency, remain calm, follow crew instructions, and prioritize your safety and that of fellow passengers.

Making the Most of Your Time on Board

Dining options and reservations.

When it comes to dining on a cruise, you’ll find a wide variety of options to suit your preferences. From elegant fine dining restaurants to casual buffets, there’s something for everyone. To make the most of your dining experience, consider making reservations for specialty restaurants early to secure your preferred dining times. Whether you’re a food enthusiast looking to indulge in gourmet meals or someone who prefers quick bites between activities, cruise ships cater to all tastes.

Entertainment and Activities

To maximize your cruise experience, take full advantage of the onboard entertainment and activities available. From Broadway-style shows and live music performances to poolside parties and movie nights under the stars, there’s always something exciting happening on board. Plan your days in advance by checking the daily schedule to ensure you don’t miss out on activities that interest you. Whether you’re seeking relaxation by the pool, adrenaline-pumping adventures, or cultural experiences, cruise ships offer a diverse range of entertainment options to keep you entertained throughout your voyage.

Exploring Port Cities and Shore Excursions

Exploring port cities and participating in shore excursions are integral parts of any cruise vacation. Each port of call presents unique opportunities to immerse yourself in local culture, explore historical landmarks, or engage in thrilling adventures. Before your cruise, research the shore excursions available at each destination and book in advance to secure your spot on popular tours. Whether you’re interested in guided city tours, snorkeling excursions, or culinary adventures, shore excursions offer unforgettable experiences that complement your time on board. Make the most of your cruise by exploring the diverse attractions and activities at each port, creating lasting memories of your voyage.

What to Leave at Home

Prohibited items on a cruise ship.

When packing for your cruise, there are important items that you should avoid bringing onboard. Cruise ships have strict guidelines on prohibited items to ensure the safety and security of all passengers. Common items not allowed on cruise ships include:

• Weapons: Avoid packing firearms, knives, or any other weapons as they are strictly prohibited on cruise ships.
• Illegal Substances: Do not bring any illegal drugs or substances onboard as it is against the law and can lead to serious consequences.
• Candles and Incense: Open flames are generally not allowed due to the fire hazard they present.
• Extension Cords: These are typically not allowed due to fire safety concerns and overloading electrical outlets.
• Self-Ironing Clothes: Clothes irons are usually not permitted as they pose a fire risk in cabins.

Make sure to check the cruise line’s specific guidelines as restrictions may vary. By adhering to these regulations, you’ll contribute to a safe and enjoyable cruise experience for all passengers.

Reducing Overpacking

Overpacking can weigh you down and limit your enjoyment during the cruise. To streamline your packing and avoid unnecessary items, consider the following tips:

• Plan Outfits: Pack versatile clothing items that can be mixed and matched to create multiple outfits for different occasions.
• Limit Shoes: Shoes can take up a lot of space, so try to pack a few pairs that can be worn with multiple outfits.
• Toiletries: Opt for travel-sized toiletries or check if the cruise line provides them to reduce the amount of space they take in your luggage.
• Tech Gadgets: While it’s tempting to bring all your devices, try to limit them to essentials like your phone, camera, and maybe a tablet to save space and reduce clutter.
• Medications: Bring an adequate supply of any prescription medications you need, but avoid carrying excessive amounts to lighten your load.

By packing smart and efficiently, you’ll not only avoid the hassle of lugging around unnecessary items but also have more freedom to explore and enjoy all the activities and amenities the cruise has to offer.

You now have a comprehensive understanding of what you need to make the most of your cruise experience. From essential travel documents to packing efficiently, and ensuring your safety and health onboard, you’re all set for a fantastic voyage. Remember to explore the dining options, entertainment, activities, and shore excursions available to maximize your enjoyment. By following the tips provided in this article, you’ll be well-prepared to embark on a memorable cruise adventure. Happy sailing!

Frequently Asked Questions

What are some essential travel documents to bring on a cruise.

Make sure to bring your passport, cruise boarding pass, government-issued ID, travel insurance documents, and any necessary visas for port stops.

What packing tips should I keep in mind for a cruise?

Pack light by planning outfits in advance, limiting shoes to versatile options, packing essential toiletries, tech gadgets, and medications. Avoid bringing prohibited items like weapons, illegal substances, candles, extension cords, and self-ironing clothes.

How can I stay healthy and safe during my cruise?

Practice good hygiene, wash hands regularly, carry hand sanitizer, stay hydrated, use sunscreen, follow ship safety guidelines, be aware of your surroundings, and secure your valuables in your cabin safe.

What dining options can I expect on a cruise?

Most cruises offer a variety of dining options including main dining rooms, specialty restaurants, buffets, room service, snack bars, and cafes. Some options may require reservations or incur additional charges.

What activities and entertainment are available onboard during a cruise?

Cruise ships provide a range of activities such as live shows, movies, fitness classes, sports facilities, swimming pools, spas, casinos, shopping boutiques, and more for guests to enjoy throughout the journey.

How can I make the most of exploring port cities while on a cruise?

Research port excursions in advance, consider guided tours or DIY exploration, respect local customs, be mindful of time constraints, and ensure timely return to the ship to avoid missing departure.

What are some items not allowed to bring onboard a cruise ship?

Prohibited items typically include weapons, illegal substances, candles, irons, extension cords, and other potential fire hazards to comply with safety regulations and ensure a secure environment for all passengers.

Hi, I'm Richard, a passionate traveler and cruise enthusiast. With over a decade of experience exploring the world's oceans, I've developed a deep love for all things related to cruising. Whether it's luxury liners or intimate river cruises, I enjoy sharing my insights and tips to help others plan their perfect getaway. When I'm not sailing the seas, you can find me writing about my adventures or planning my next voyage

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Should You Insure Your Cruise?

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

The do's and don’ts of insuring your cruise

The bottom line.

As the world is becoming an increasingly uncertain place, your personal health care plan may not cover you abroad and credit card provided travel insurance can be hit and miss depending on the card. Even the good credit card insurance, such as that from the Chase Sapphire Preferred® Card , won’t cover you if your financial circumstances change (i.e., you lose your job). With those factors in mind, it’s very often now that the answer is: Yes, you should insure your cruise.

The purpose of travel insurance is to cover the nonrefundable costs associated with your trip in case of an unforeseen event. Odds are that you won’t use your travel policy, but you need to have it, just in case, unless you are willing to risk thousands of dollars on your nonrefundable cruise reservation. However, that doesn’t mean that you should go into the decision uninformed.

One of the reasons that many people skip travel insurance is because it can get complicated, so here are some tips that will help as you try to decide what insurance is right for you.

Do know what’s covered

Is a job loss covered? How about a death in the family? Be sure to read the terms and conditions of the policy, particularly the schedule of benefits and coverage details, which serve as a summary.

For example, is a COVID-19 related issue covered ? The answer depends on when you bought your policy, since pandemics and epidemics are often specifically excluded. So if you bought the policy after your insurance company declared COVID-19 to be a pandemic, you may not be covered for COVID-19-related reasons. There are also several companies now including COVID-19 related illnesses as covered reasons but fear of traveling doesn’t qualify.

Bottom line: Know what is covered and what isn’t.

» Learn more: What to know before buying travel insurance

Don’t automatically buy coverage from your cruise line

Your travel insurance may end up costing up to 4%-8% of the cost of your trip, so it's a good idea to comparison shop to make sure that you are getting the best deal. You could also check with your travel agent or an independent site, such as SquareMouth (a NerdWallet partner) or InsureMyTrip, which compares policies from several providers.

A little bit of research can frequently get you better benefits for less money. And finally, make sure that your cruise insurance is “primary” coverage, which picks up the cost before forcing you to go through your homeowners policy.

Do consider whether you want a standard or Cancel For Any Reason (CFAR) policy

A standard policy has good protection and comes with a list of restrictions on what’s covered. If you want to make sure that you are covered for any reason, whether that’s a pandemic or a last-minute change in plans, look into a “cancel for any reason” add-on to your policy. A CFAR policy is just what the name sounds like. You can cancel your trip for any reason you want and are restricted only by the timing of your cancellation notice (usually two days prior to your trip, but check your policy as terms vary).

CFAR insurance isn’t free though, and comes with a few conditions. First, it can cost 40%-50% more than a standard policy, and it generally won’t cover 100% of your uncovered costs. You’ll find that 50%-75% of coverage is more common.

It’s also important to note that you cannot simply buy CFAR by itself. You must buy a travel insurance policy that is eligible for a CFAR add-on. Many insurance sites will include a CFAR filter in their search tool. You'll also need to buy the policy within a certain time frame after purchasing your cruise, which will vary based on the insurance company.

» Learn more: The best travel insurance companies

Don’t wait to buy your insurance

You may be able to get complimentary “bonus” benefits, but it usually means buying your policy shortly after booking your cruise. For example, Travelex will cover you for a pre-existing condition (yours or an immediate family member’s), but only if you purchase the insurance within 15 days of making your initial trip payment. That limit applies to purchasing CFAR, as well. After the 15-day period, you can purchase only standard insurance. These restrictions are common and you should ask about them when looking to book a trip and are considering travel insurance.

Not sure which travel insurance plan you want? Don’t worry, you’re covered. Most plans will give you a “free look” period. With Travelex, that’s 15 days, while InsureMyTrip notes that many of its partners give you 10 to 14 days.

A cruise is too expensive of a purchase not to insure. Before you buy it though, make sure that you know what you are looking for. A travel agent can be an excellent place to start, but you can also do much of the research on your own.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Hurricane Helene prompts mass travel changes from airlines, cruises

Delta and more have sent passengers updates on flights impacted by the storm.

Hurricane Helene has prompted an array of weather alerts from airlines to cruises to ensure travelers can safely avoid areas where the Category 2 storm is expected to hit.

Airlines and cruises with routes in the region began taking preventative measures earlier this week and sent more updates about the potential impacts to itineraries on Thursday as the storm barrels towards Florida and the Southeast.

The National Hurricane Center said there is "significant additional strengthening expected before landfall" on Thursday morning, adding "there is danger of life-threatening storm surge along the entire west coast of the Florida Peninsula and Florida Big Bend."

See below for a full list of airports, cruise ship ports and other areas that have been impacted.

Air travel impacted ahead of Hurricane Helene: Airport closures, airline changes

Nearly 900 flights across the country have already been canceled due to Helene, according to Flight Aware , with the biggest impacts seen in Tampa, Fort Myers, and Atlanta as of time of publication.

While all airlines are required to offer a full refund to customers if a flight is canceled or significantly delayed due to reasons within the airline’s control, per the Department of Transportation, that rule does not encompass weather-related delays or cancellations.

Florida airport closures

As of time of publication, three major Florida airports have announced temporary closures due to the storm.

Tampa International Airport suspended all commercial and cargo operations at 2 a.m. Thursday and said it will remain closed to the public until it can assess any damage after the storm.

Tallahassee International Airport and St. Pete–Clearwater International Airport have also closed and officials at each said they will be closed to the public until damage assessments are completed after the hurricane.

Other regional airports including Northwest Florida Beaches International Airport near Panama City Beach, Orlando International Airport and Jacksonville International Airport are currently open but have advised all travelers to check with airlines directly for the latest flight status and information.

American Airlines

American issued a travel alert for the Gulf of Mexico that affects 23 airports, with 16 of those in Florida, including Tampa and Sarasota.

For passengers who bought tickets of any fare class before Sept. 23 for travel between Sept. 24-27, the change fee will be waived. Changes must be booked by Sept. 27, and travel must be for the same travel origin and destination.

Delta Air Lines

The Atlanta-based carrier shared a weather advisory for Hurricane Helene due to forecasted path, explaining that "travel may be impacted to/from/through" 26 destinations.

"Check flight status frequently for up-to-the-minute information about your flight plans, or get updates sent directly to your mobile device or by email with One-Time Notification," the airline stated.

As of time of publication, the advisory covers 12 airports in Florida, including Jacksonville, Sarasota and Tampa, as well as select airports in Alabama, Georgia, South Carolina, Mexico and Cuba.

Travelers scheduled to fly through one of the listed airports through 27 can rebook tickets by Monday, Sept. 30.

JetBlue Airways

JetBlue announced in a travel alert that flights to multiple Florida destinations have been canceled on Thursday and Friday: Tallahassee and Tampa, as a result of the airport closures, as well as Fort Myers. The airline also canceled all Sarasota flights for Thursday.

All JetBlue flights to Orlando and Jacksonville are operating at this time, as well as Atlanta, Savannah and Charleston.

The airline said it will waive change, cancel fees, and fare differences for customers with travel on Sept. 26-27. Flights can be rebooked by Wednesday, Oct. 2.

Southwest Airlines

Southwest Airlines issued the travel advisory "based on the forecasted weather conditions" where the carrier's "scheduled service may be disrupted."

It lists 10 Florida airports where scheduled service may be disrupted through Friday, plus Atlanta, Charleston, Charlotte, Greenville/Spartanburg, Myrtle Beach, Nashville and Savannah.

United Airlines

The Chicago-based airline listed eight airports in Florida, plus one in Cuba and three more in Mexico, that would be impacted.

Passengers who purchased a plane ticket before Monday, Sept. 23, for travel on Tuesday through Friday, Sept. 24-27, to, from, or through any of the affected airports can rebook without a change fee for travel through Friday, Oct. 4.

Frontier Airlines

The budget carrier issued a travel alert for passengers traveling in or out of six Florida airports on both Thursday and Friday, Sept. 26-27.

Royal Caribbean, Carnival and MSC Cruises change course, update itineraries

The sunshine state and its ports are at the center of the cruise industry, accounting for nearly 60% of all U.S. embarkations, according to the Cruise Lines International Association , where multiple sailing itineraries have been impacted by Hurricane Helene.

One ship is currently stuck at sea, while two more are skipping planned stops and multiple ports, including Port Canaveral, have closed as a result of the inclement weather.

Royal Caribbean

Five ships routes have been impacted, according to a travel update from the cruise line’s parent company Royal Caribbean Group.

Serenade of the Seas, which disembarked from Tampa on Sunday, changed both its Tuesday and Wednesday stops in Cozumel and Costa Maya for Freeport and Nassau, Bahamas. The ship is now set to return to Tampa on Sunday, two days later than originally scheduled delaying the next scheduled voyage that was originally set to leave on Friday.

"Due to Hurricane Helene and the planned closure of Port Tampa, our previous sailing will be delayed in returning," the cruise line stated . "As a result, our sailing will now depart on Sunday, Sept. 29 at 4:00pm. We kindly ask that you arrive during the arrival window you originally selected for an on-time departure."

Independence of the Seas departed Miami on Saturday and changed Tuesday’s planned stop in Cozumel to Nassau, Bahamas.

Mariner of the Seas, which left Saturday from Galveston, Texas, also swapped out Cozumel on Tuesday for a day at sea.

Wonder of the Seas will scrap most of its planned stops, skipping Cozumel, Roatan in Honduras, and Costa Maya. The ship, which left from Florida’s Port Canaveral on Sunday, will add stops in St. Thomas and St. Maarten instead.

Grandeur of the Seas will visit Nassau and Freeport in place of planned Wednesday and Thursday stops in Costa Maya and Cozumel. The cruise departed from Tampa on Monday.

Carnival Cruise Line

Both Tampa and Jacksonville ports closed Wednesday evening ahead of Hurricane Helene's projected landfall.

"Our Fleet Operations Center in Miami continues to actively monitor Hurricane Helene, which is now entering the Gulf of Mexico," the company said on its website . "The safety of our guests and crew remains our priority and our ships are sailing a safe distance from the storm."

Given the forecasted track of Helene over the next few days, Carnival announced that eight ships' itineraries are currently under watch. Click here for full details and planned changes.

Disney Cruise Line

Disney Fantasy left from Port Canaveral on Saturday and canceled its Tuesday call at George Town to replace it with a sea day.

The Disney Wish is the only ship that's currently impacted by the storm, a representative for Disney Cruise Lines confirmed to ABC News.

The ship was originally scheduled to arrive on Friday morning at Port Canaveral, which is currently "closed and has ceased all Port operations," with its next departure that was slated for Friday afternoon.

Now, the Disney Wish will arrive later than originally scheduled, the DCL representative said.

Disney is the parent company of ABC News.

An earlier version of this story was originally published on September 27, 2024.

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