travel insurance with cruise cover

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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.

Table of Contents

• 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

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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Here are the 5 best cruise insurance plans

Cruise insurance can cover many situations, but you need to shop around to find the best coverage..

A cruise is an ideal vacation for anyone who likes the all-inclusive concept , where you pay one price and have just about everything taken care of, from accommodations to meals and activities. But they also aren't always cheap and a lot of things can go wrong. You could have a flight delay that causes you to miss your departure or be unable to sail because of a sickness. In these situations, cruise insurance can reimburse you for prepaid and non-refundable expenses.

CNBC Select analyzed 19 cruise insurance companies and selected the best plans for various situations. (See  our methodology  for more information on how we chose the best cruise insurance plans.)

Best cruise insurance

• Best overall: Nationwide Travel Insurance
• Best for affordable coverage : AXA Travel Insurance
• Best for adventure excursions: World Nomads
• Best for pre-existing conditions: Seven Corners Travel Insurance
• Best for cancel-for-any-reason coverage: Travel Guard Travel Insurance

Best overall

Nationwide travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Nationwide's wide coverage for travel insurance allows many different types of travelers to find coverage that fits their needs. Three levels of cruise insurance coverage gives extra options to cruise passengers.

24/7 assistance available

• 10-day review period on cruise insurance policies to make sure the plan meets your needs (not available in NY or WA)
• Most basic cruise plan doesn't offer CFAR coverage

Who’s this for? Nationwide is a top choice for many travelers due to its variety of cruise-specific coverage. The insurer offers three three tiers of cruise insurance, but its standard Universal Cruise Plan should meet many needs.

Standout benefit: Nationwide's cruise-specific plans can cover things like emergency accidents, sicknesses, itinerary changes, mechanical breakdowns and other trip interruptions or on-ship disruptions. The company also offers a 10-day review period on its cruise policies (not available in NY or WA), giving you extra time to look over the policy and ensure it’s a good fit. 

[ Jump to more details ]

Best for affordable coverage

Axa assistance usa travel insurance.

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

• Three tiers of plans available
• Highly rated for financial strength
• Cancel for any reason only available on highest-tier coverage

Who’s this for? Budget-conscious cruisers should consider AXA . In our research, AXA's Silver Plan stood out as the top budget plan for its mix of affordable premiums and essential coverage. CNBC Select also named AXA one of the best overall travel insurance providers .

Standout benefit: AXA's Silver Plan includes the standard coverage you need to protect yourself from delays and cancellations, as well as employment layoff coverage. This benefit reimburses you for prepaid and nonrefundable travel costs if you cancel because of involuntary layoff or you are terminated from your job. You only need to have been at your current employer for one continuous year to qualify, which is generous compared to other plans that require at least three continuous years of employment for this coverage — if it's even included at all.

Best for adventure excursions

World nomads travel insurance.

World Nomads offers travel insurance for all sorts of travelers, from families to solo adventure travelers. Policies are underwritten by Nationwide and offer strong coverage of emergency accident and illness situations, as well as emergency evacuation scenarios.

• Affordable coverage for many travelers
• Coverage for adventure activities like scuba diving, bungee jumping and more
• Lower trip cancellation limits than other travel insurance we reviewed

Who’s this for? World Nomads offers insurance underwritten by Nationwide , geared specifically toward thrill-seekers. The World Nomads Explorer Plan covers over 200 adventure activities and sports. With this plan, you can take part in just about any excursion without fear of negating your coverage .

Standout benefit: The World Nomads Explorer Plan covers baggage and personal items for loss, theft or damage for up to $3,000 and $1,500 per item. Sporting equipment is included in this coverage, so you can bring your golf clubs along on your cruise without worry.

Best for pre-existing conditions

Seven corners travel insurance.

Policies provide missed and delayed tour/cruise connection coverage. Cancel for any reason coverage and pre-existing conditions waiver are also available if you buy your plan within the specified time. ***CFAR and IFAR are subject to certain eligibility criteria and are not available in all states

• High coverage limits available
• Offers group insurance (10+ people)
• Covers Covid-19 illness
• Pre-existing conditions waiver not available for the Economy plan
• Cancel for any reason not available for the Economy plan

Who’s this for? Seven Corners offers a standard Trip Protection Economy plan and a more premium Trip Protection Elite plan. The Seven Corners Trip Protection Elite plan stands out for offering generous coverage limits and an add-on option for cancel for any reason (CFAR) coverage, which both pair well with its pre-existing conditions waiver.

Standout benefit: This plan's pre-existing conditions waiver for medical coverage applies to plans purchased within 20 days of booking and paying your initial trip deposit. That's a generous window compared to some plans which can require you to purchase insurance within seven to 14 days. If you don't purchase your coverage within the waiver window, this plan only considers conditions existing within the previous 60 days, whereas other plans may look back up to 120 days.

Best for cancel for any reason coverage 

Travel guard® travel insurance.

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Who’s this for? AIG's Travel Guard Preferred plan comes with a wide range of coverages and a variety of useful add-ons for an extra fee such as pet coverage , wedding coverage and cancel for any reason coverage (CFAR).

Standout benefit: The optional CFAR insurance for this plan begins at 12:01 a.m. on the day after you pay for coverage and ends two days before departure (or when the travel is canceled). This benefit reimburses up to 50% of the trip cost (up to $25,000 maximum), which includes reimbursement for:

• 50% of change fees
• 50% of cancellation penalties for unused travel
• 50% of award travel redeposit fees

More on our top cruise insurance plans 

Nationwide universal cruise plan.

Nationwide's standard Universal Cruise Plan will be more than sufficient for many cruisers. It offers strong coverage for many different scenarios, but if you're seeking higher levels of coverage or are taking a long cruise, you can opt for the Choice Cruise Plan, or the Luxury Cruise Plan, which offers the highest level of benefits.

Trip cancellation and interruption

The full trip cost (100%) is covered for both cancellations and interruptions. This includes canceling because of a Covid-19 illness .

Covered delays of six hours or more (or at least three hours for missed connections) are eligible for reimbursement of:

• Up to $500 per day
• $500 maximum

Medical coverage and evacuation and repatriation

• $75,000 in emergency accident and sickness coverage
• $250,000 in evacuation and repatriation coverage
• $750 in emergency dental treatment coverage

Pre-existing conditions

No coverage for pre-existing conditions that fall within 60 days of your policy's start date.

Notable perks

All of Nationwide's cruise plans, including the Universal Cruise Plan, include cancel for work reason coverage, meaning you may be covered if you need to cancel because of work-related issues, as well as coverage for extension of the school operating session. The Universal Cruise Plan also provides coverage for delayed and lost baggage, which begins to kick in after delays of eight hours or more, as well as coverage for trip delays of three hours or more for missed connections or other trip delays of six hours or more. You can also get reimbursed if your trip is canceled or interrupted because of terrorism (foreign or domestic) or financial default of the travel provider (14-day waiting period applies). Itinerary changes that cause you to miss a pre-paid excursion are covered by up to $250.

[ Return to summary ]

AXA Silver Plan

AXA offers three insurance plans, with the Silver Plan being the most affordable. The Gold Plan has most of the same types of coverage with higher reimbursement limits. Meanwhile, the Platinum Plan is for anyone who prefers premium benefits, such as cancel-for-any-reason coverage.

The full trip cost (100%) is covered for both cancellations and interruptions. This includes canceling because of a Covid-19 illness.

After a 12-hour delay or more, you're eligible for:

• Up to $100 per day
• Primary medical coverage of $25,000 per (covers Covid-19)
• Evacuation and repatriation coverage of $100,000 per person

No coverage for pre-existing conditions that fall within this policy's 60-day look-back period.

AXA's Silver Plan comes with coverage for delayed and lost baggage, including $200 per person for covered delays of 24 hours or more and $750 per person ($150 per item) for lost baggage and items. You can also get reimbursed if your trip is canceled or interrupted because of terrorism (foreign only) or financial default of the travel provider (10-day waiting period applies). If a hurricane or bad weather causes your travel provider to cease services for at least 48 hours, you can be reimbursed for up to the full trip cancellation/interruption coverage. Notably, you must purchase the coverage before a storm is named.

World Nomads Explorer Plan

The Explorer Plan is World Nomads' premium travel insurance plan and covers a longer list of activities than the Standard Plan. You can review the list of covered activities here and decide if the more affordable Standard Plan works for you.

Covered up to the trip cost with a $10,000 maximum.

Covered delays of six hours or more are eligible for reimbursement of:

• Up to $250 per day
• $3,000 maximum
• $100,000 in emergency accident and sickness coverage
• $500,000 in evacuation and repatriation coverage

No coverage for pre-existing conditions that fall within 90 days of your policy's start date.

This plan includes $35,000 in rental car damage coverage (where it's valid) due to collision, theft or a natural disaster. And an accidental death and dismemberment benefit of $10,000. When your baggage is delayed for more than 12 hours, you can be reimbursed up to $150 a day ($750 maximum) for any necessary personal items you purchase.

Seven Corners Trip Protection Elite

The Seven Corners Trip Protection Elite plan has generous coverage limits for evacuation and repatriation and accident and sickness. Seven Corners Travel Insurance plans also cover Covid-related illnesses.

Trip cancellations are covered for 100% of the trip cost and interruptions are covered for 150% of the trip cost.

Trip delays of six hours or more can qualify for reimbursement of:

• Up to $300 per day
• $1,500 maximum
• $250,000 in emergency accident and sickness coverage
• $1,000,000 in evacuation and repatriation coverage
• $750 in emergency dental coverage

Pre-existing conditions are covered if you purchase coverage within 20 days of making your initial trip deposit. If you don't qualify for the pre-existing conditions waiver, there is no emergency medical coverage for conditions existing within 60 days of your policy's start date.

This plan covers baggage delays of more than 12 hours for up to $600 and covers lost, damaged or stolen bags or personal items for up to $300 per item ($2,500 maximum). It also has missed cruise connection coverage of $150 per day for accommodations and meals ($1,500 maximum).

AIG Travel Guard Preferred

The CFAR coverage is available as an upgrade on Travel Guard's Preferred and Deluxe plans. If you don't need this optional upgrade, you could save money on your premium with Travel Guard's Essential plan.

Trip cancellations are covered for 100% of the trip cost (up to a max of $150,000) and trip interruptions are covered for 150% of the trip cost (up to a max of $225,000).

Trip delays of five hours or more can qualify for reimbursement of:

• Up to $200 per day
• $800 maximum
• $50,000 in emergency medical coverage
• $500 in emergency dental coverage

A pre-existing conditions waiver applies when you purchase coverage within 15 days of the initial trip deposit.

With this plan, you'll have coverage for lost, stolen or damaged baggage or travel documents for up to $1,000. You also receive baggage delay reimbursement for delays of more than 12 hours with a coverage limit of up to $250 per day ($300 maximum). If you miss a connection, you can be reimbursed up to $1,000 for unused prepaid or nonrefundable travel you missed and transportation expenses to rejoin your trip.

When should I buy insurance for a cruise?

It's usually best to purchase cruise insurance shortly after booking. This lets you take advantage of the protections sooner and qualify for certain benefits such as pre-existing condition waivers.

Is there a difference between travel insurance and cruise insurance?

Travel insurance typically covers cruises and other types of travel, whereas cruise insurance is designed to specifically protect you while cruising or getting to your cruise.

Does cruise insurance cover missed ports?

Cruise insurance may cover missed connections, but it's important to read your policy before you purchase it. Each policy has different limits on how much you'll be reimbursed and what exactly you'll be reimbursed for.

Bottom line

Cruise insurance plans protect you in all sorts of situations when something goes wrong while you're cruising. You can be covered for emergency medical expenses, trip delays, trip cancellations or interruptions and more. Shop around and compare providers to find the best cruise insurance policy for you.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every cruise insurance   review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best cruise insurance plans.

Our methodology 

To determine the best cruise insurance plans,  CNBC Select  analyzed the offerings of 19 insurance companies and compared them based on various factors. These included the maximum coverage limits, optional coverages, types of coverage, premiums and what the policies cover. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction.

We based premium costs on a sample cruise with the following details (when applicable):

• 40-year-old male
• Living in New York, New York
• Sailing for seven days in April
• Total trip cost: $2,800
• Destination: Mexico
• Flying to the port of departure

Sample quotes assumed that payments were made on the date of quoting.

Note that the premiums and policy structures advertised for cruise insurance companies are subject to fluctuate in accordance with the company's policies.

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Smooth Sailing Ahead: Your Guide to Cruise Travel Insurance [2023]

Jessica Merritt

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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.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

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.

Frequently Asked Questions

Does my health insurance cover me on a cruise.

Some health insurance policies offer limited coverage on cruises, but coverage often depends on where you’re cruising and your planned activities. Check with your insurance provider about coverage before you depart on your cruise. Find out if supplemental cruise insurance is available if you want to use your existing health insurance coverage.

Are cruises covered under travel insurance?

Cruises are typically covered under travel insurance , so you don’t necessarily have to buy specialized cruise insurance, such as coverage from the cruise line. Travel insurance can cover trip cancellations and interruptions, medical emergencies, lost luggage, and more on your cruise trip.

Can you buy cruise insurance after booking?

You can buy cruise insurance after booking. It’s generally best to purchase cruise insurance as soon as possible after making your initial trip deposit — when you have money on the line. The sooner you purchase cruise insurance, the sooner you’re covered for trip cancellations.

Can you buy medical insurance for a cruise?

You can buy medical travel insurance to cover your medical expenses on a cruise, offering coverage such as medical emergencies, illnesses, and injuries.

How do I add travel insurance to my cruise?

You can add travel insurance to your cruise when you book with the cruise line or a travel agent. Alternatively, you can purchase travel insurance directly from travel insurance agencies.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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• Best overall
• Best for affordability
• Best for seniors
• Best for expensive trips
• Best for exotic locations

How we reviewed cruise insurance plans

Best cruise travel insurance of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

A cruise vacation can take much of the stress out of planning a vacation. With a pre-set itinerary on the high seas, you don't have to worry about how you're getting to your destination and what you're going to do there. However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best cruise insurance plan that won't leave you high and dry in an emergency.

Best cruise insurance

• Best Overall: Nationwide Travel Insurance
• Best for affordability: AXA Assistance USA
• Best for seniors: Seven Corners Travel Insurance
• Best for expensive trips: HTH Worldwide Travel Insurance
• Best for exotic locations: World Nomads Travel Insurance

How we rate cruise insurance companies »

Compare the best cruise travel insurance companies

While booking a cruise takes off much of the pressure when coming up with itineraries, your trip can still encounter several hitches, which is where cruise travel comes in. The best cruise travel insurance will have high coverage limits on emergency medical evacuations, as sea to land evacuations can be expensive. They'll offer coverage for baggage delay, trip interruption, and it might be a good idea to have some adventure sports coverage if you plan on participating in any outdoor activities like snorkeling or scuba diving. 

Here are our picks for the best cruise travel insurance companies in 2024.

Best overall: Nationwide

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

• Cancel for any reason coverage available

Nationwide Travel Insurance  is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

It has three cruise insurance options: Universal, Choice, and Luxury. The Nationwide Choice plan, for example, offers $100,000 in emergency medical coverage and $500,000 in emergency medical evacuation coverage.

The right plan for you depends on your budget and coverage needs. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship.

Read our Nationwide Travel Insurance review here.

Best for affordability: AXA

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

AXA Assistance USA  offers three comprehensive coverage plans: Gold, Silver, and Platinum. Each of these plans offers coverage for issues like missed flights, medical emergencies, lost luggage, and more.

The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.

In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise.

The coverage limits on AXA's policies are on the higher end compared to other providers. And you can buy coverage for a little as 4% of your trip cost depending on your age, travel destination, and state of residence.

Read our AXA Travel Insurance review here.

Best for seniors: Seven Corners

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. While other providers do offer coverage to those 80+ years old, Seven Corners is known for its affordable premiums while offering above-average medical expenses and medical evacuation coverage limits — two areas of travel insurance coverage that are even more important as we get older.

Seven Corners also offers the option of a preexisting conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

You can choose between the Trip Protection Basic or Trip Protection Choice plans, with the higher-tier Choice plan costing more but providing more coverage.

Read our Seven Corners Travel Insurance review here. 

Best for expensive trips: HTH Worldwide

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

HTH Worldwide Travel Insurance  offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The higher the tier, the more coverage you'll get for things like baggage delays, trip delays & cancellations, and medical expenses. But their premiums remain reasonable even at the highest tier of coverage.

Not only does the HTH Worldwide Trip Protector Preferred plan offer higher-than-average medical emergency and evacuation coverage limits ($500,000 and $1 million, respectively), but you'll also get a baggage loss coverage limit of $2,000 per person and coverage for trip interruption of up to 200% of the trip cost. You also have the option to add CFAR coverage for an additional cost.

Read our HTH Worldwide Travel Insurance review here.

Best for exotic locations: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance  has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too.

Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. And you'll get higher coverage limits with their Premium Plan. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues.

What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise.

Read our World Nomads Travel Insurance review here.

Introduction to Cruise Insurance

Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical. The best travel insurance plans will provide flexibility to add coverage options to fit your travels needs.

Understanding the Basics of Cruise Insurance

At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage. Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference.

Why Cruise Insurance is Important

Picture this: You're all set for your dream cruise, but a sudden family emergency means you can't set sail. Or worse, you fall ill in the middle of the ocean. Without cruise insurance, you're not just missing out on an adventure, but also facing potentially huge financial losses. That's why securing cruise insurance isn't just recommended; it's a crucial part of your cruise planning.

Types of Cruise Insurance Coverage

Cruise insurance isn't a one-size-fits-all life jacket. There are various types of coverage, each tailored to protect different aspects of your cruise experience.

Trip Cancellation and Interruption Coverage

This coverage is like your safety net, catching you financially if you need to cancel your trip last minute or cut it short due to emergencies, be it due to personal, health-related, or even certain work conflicts.

Medical Coverage

Being on a cruise shouldn't mean being adrift from medical care. Medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances.

Emergency Evacuation Coverage

In the rare case that you need to be evacuated from the ship due to a medical emergency or severe weather, this coverage ensures you're not left adrift in a sea of expenses.

Baggage and Personal Effects Coverage

Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience.

Buying Cruise Insurance

Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs. 

When to Purchase Cruise Insurance

Timing is everything. Purchasing your insurance soon after booking your cruise can often provide additional benefits and ensure you're covered for any early surprises. As you get closer to your trip your coverage options may get more expensive, and certain providers may not be able to offer you coverage.

How to Find the Best Deals on Cruise Insurance

Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like SquareMouth is a good place to compare multiple quotes from all of the major carriers at once.

When comparing cruise travel insurance providers, we evaluated them based on the following criteria to come up with our list of top picks:

Customer Satisfaction

We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction. We also look at customer review sites like Trustpilot and SquareMouth.

Policy Types

We look at policy types and offerings, from standard travel protections to adventure sports coverage. We look at the amount of insurance offered

Average Premiums

We compare average premiums per trip. Some companies also offer annual plans, and we compare policies accordingly.

Claims Paid

How frequently do companies pay claims easily and quickly? We check customer reviews and other resources to see which companies honor policies most effectively.

We look at the company's overall behavior. Is it operating ethically? Companies can earn additional points for such behaviors.

You can read more about how Business Insider rates insurance here.

Best cruise travel insurance FAQs

As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage. The price will vary depending on factors like your age, your travel destination, and whether you require additional coverage.

If you're booking a cruise, we recommend purchasing travel insurance when you make your first trip payment. That could be for the cruise itself or an expense like airfare to get you to your cruising destination. This way, if you have to cancel your trip, you'll have the most extended coverage period possible.

Your cruise insurance should have high coverage limits for emergency medical evacuations, trip delays, interruption, and adventure sports.

The difference between traditional travel insurance and cruise insurance is that cruise insurance offers more specialized coverage, for situations such as missing a departure port and more coverage for medical evacuations, since it's more expensive to evacuate someone at sea than on land. 

Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim, and before you travel so you know what compensation you're entitled to.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content

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

All Your Questions About Cruise Travel Insurance, Answered

By Elissa Garay

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.

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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

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Relax and enjoy complete protection

A cruise is a great choice for those who want to sit back and watch the world go by; total relaxation, no hassle and everything in one place.

While there's no arguing a holiday on the open water is a great experience, it can pose a slightly trickier problem if something goes wrong.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Calm seas with Cruise Insurance

By adding our Cruise Travel Insurance upgrade, your travel insurance will be validated while you're on board the cruise ship. You won't be covered for any part of your holiday without the add-on.

What does Cruise Travel Insurance cover?

By adding cruise cover, your Admiral Travel Insurance will cover you for all the holiday essentials such as lost luggage and medical expenses as well as:

Missed port departure

If you miss the departure of your cruise and have to pay for accommodation or travel expenses to get to the next dock, Admiral will cover you up to the limit shown on your policy if the departure was missed due to:

• Delays or failures to scheduled public transport (excluding taxis)
• An accident or breakdown of the vehicle you're travelling in
• An accident or breakdown ahead on the motorway or dual carriageway you're travelling on, causing a delay
• Strike, industrial action or adverse weather

Cruise cabin confinement

For every 24 hours you're confined to your cabin by the ship's medical officer, for medical reasons (including declared pre-existing conditions) we will pay up to the limit shown on your policy. You must provide written confirmation by the on-board medical officer.

Unused excursions

Don't worry if you miss a pre-booked excursion due to cabin confinement through illness or an accident. We'll pay up to the policy limit for any sickness or accidents covered under the emergency medical and repatriation section of your travel insurance.

Cruise interruption

If you fall ill during your cruise and miss part of it due to needing medical treatment on dry land, we'll pay any travel expenses you have to pay to rejoin the ship (up to the policy limit specified). You'll need to get a medical certificate to confirm.

With all of the above examples exclusions apply – please see your policy guide for more information.

What happens if my cruise holiday is cancelled?

If your cruise is cancelled for any of the reasons below, you'll receive up to £5,000, depending on the level of cover you choose, to cover the costs of your trip:

• Death, illness, injury or complications of pregnancy or childbirth of you, your travel companion, close relative, close business associate or anyone you planned to stay with
• Court cases and quarantine if you or your travelling partner, or anyone you planned to stay with, is quarantined, called for jury service or as a witness and the court refuses to reschedule
• Redundancy cover for you and your travelling partner if either is made redundant from the company you've been employed at continuously for at least 24 months
• Armed forces and emergency services if you or your travelling partner is a member of the British Armed Forces or the emergency services and has authorised leave cancelled due to an unexpected emergency
• Home damage you or your companion can't travel if your home is burgled or seriously damaged by a fire, storm or flood within seven days of your departure
• Passport or visa your passport or visa is stolen in a burglary at your home in the seven days before your departure and you're unable to get a replacement in time

How do I get a Cruise Travel Insurance quote?

Call 0333 234 9913 for an Admiral Travel Insurance quote and ask to add on the Cruise Upgrade, or buy online and select ‘Cruise Upgrade’ during the quote process.

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Your questions answered

We're sure you'll love our great products but maybe you have a few questions. You can find answers in this section.

Do you need cruise travel insurance?

Admiral's cruise upgrade must be added to your Admiral Travel Insurance policy if you want cover for cruise specific things like missed departures, unused excursions and cruise cabin confinement as these aren't covered by standard travel insurance. We won't cover any claims (including medical) against your cruise holiday without this cover in place.

Are there any age restrictions for getting the cruise cover upgrade?

No, you can get this add-on at any age.

Can I get cruise cover for any part of the world?

Our travel insurance and upgrades cover pretty much everywhere in the world except for countries the Foreign & Commonwealth Office advises against 'all travel' or 'all but essential travel'. You can see the full list on the Foreign & Commonwealth Office  website

I'm an expat, can I get the cruise cover upgrade?

No, in order to buy Admiral Travel Insurance and its upgrades you must be a permanent resident of the UK, travelling from and returning to the UK.

Am I insured if I take part in excursions and water sports during my cruise?

Your Admiral Travel Insurance policy covers you for a wide range of sports and activities including jet skiing, parasailing, windsurfing and snorkelling. For the full list of activities we cover please see your policy booklet.

Do you need travel insurance for a cruise?

If you’re going on a cruise, you must add on our Cruise cover upgrade to your travel insurance. Without it, your trip won’t be covered at all. 

Can I get cruise travel insurance with a pre-existing condition?

You can get our Cruise Travel Insurance if you have pre-existing conditions, but you need to make sure you declare them all when you’re buying your travel insurance. Read more about travelling with medical conditions .

Do I need cruise insurance for a river cruise?

Our Cruise Travel Insurance covers you if you’re taking a sea cruise, but it’s not needed if you’re going on a river cruise. If you’re going on a river cruise, your standard travel insurance will cover you.

When should I buy travel insurance for a cruise?

It’s a good idea to buy your Cruise Travel Insurance as soon as you book your cruise. That way, if you have to cancel your cruise before you’re due to travel, you’ll be able to claim your costs back.

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

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Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

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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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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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Should You Insure Your Cruise? Here's What To Know

I t's never a bad idea to buy travel insurance before a trip, and a cruise vacation is no different. While most cruise vacations will be incident-free, the adage "you don't need insurance until you absolutely do" is always true. Between the threat of flight cancelation, getting sick onboard, and unpredictable weather, there are plenty of ways your cruise experience may not be smooth sailing — if you sail at all.

Many cruise lines now offer their own cruise insurance to passengers. As far as convenience, you can't beat cruise line insurance. Often, adding a policy simply involves checking a box through your cruise line's website when booking your trip. But before you check that box, you should understand what your cruise insurance does and doesn't cover.

Depending on the policy and your situation, you may find that regular travel insurance through a third-party provider is a better option. Or, maybe your travel credit card provides adequate coverage. To help you navigate, we'll explore what cruise insurance typically covers and whether it's the right choice for you.

Coverage Of Cruise Insurance Policies

While many travelers may elect to purchase travel insurance when planning other types of vacations, some may forgo insurance for cruises, assuming a cruise is pretty insulated from mishaps. But, if you fall ill on a cruise, your typical medical insurance probably won't cover you, especially in international waters. But medical coverage aside, there are other situations to consider.

Circumstances covered by cruise insurance vary by provider and policy, but these types of insurance policies typically cover the following: trip cancellation or interruption, trip delay, baggage protection, medical treatment, and medical evacuation. Similar to other third-party travel insurance providers, many cruise insurance policies do not cover pre-existing conditions or include "cancel for any reason" coverage. However, you may be able to add on these benefits.

Although cruise insurance may be similar to a third-party travel insurance policy, cruise insurance is typically more limited in its coverage. For instance, if you miss the cruise's departure from the port due to flight cancellation, cruise insurance may offer missed connection coverage, providing you a set dollar amount to fly you to the next port of call.

However, the circumstances of this canceled flight may be limited to mechanical issues or weather. Outside of these reasons, you may need to pay out-of-pocket to reach the next port of call. A third-party travel insurance policy may cover more flight-related circumstances than cruise insurance.

Cruise Insurance Versus Regular Travel Insurance

Overall, cruise insurance policies address circumstances directly related to the cruise, while a third-party insurance policy can cover other aspects of the trip, including flights, accommodations before and after the cruise, as well as the cruise itself. As noted, neither type of insurance policy typically offers "cancel for any reason" coverage in their basic plans, but both usually offer this benefit as an upgrade. However, there's a big difference between the two types of insurance.

Although this can vary by cruise line, many cruise insurance policies offer vouchers as "cancel for any reason" reimbursement, while a third-party insurance policy will reimburse your canceled trip with cash. As noted, if you do cancel your trip, your cruise insurance will probably only address the cruise itself (with vouchers) but not the other nonrefundable expenses, such as flights and accommodations associated with the cruise.

That said, cruise insurance policies are typically less expensive than purchasing standalone travel insurance, especially when adding "cancel for any reason" coverage. And if you're okay with a voucher for another cruise in the future, then cruise insurance may provide adequate coverage for your trip. Also, while basic cruise insurance may be more limited than standalone insurance, these cruise policies vary greatly, so you may be able to adjust a cruise insurance policy to fit your specific needs. 

Read this next: 12 Best Sunscreens To Use When Visiting A Tropical Destination

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Faye Travel Insurance Review: Is It Worth the Cost?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. 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 .

Travel insurance can be a worthwhile investment, especially if you’re worried about unexpected costs during your trip. There are a ton of different travel insurance companies out there, so finding one that suits your needs can be a struggle. That’s why we’ve done the work for you.

Let’s take a look at travel insurance provider Faye to see what type of plans the company offers, the coverage levels you can expect and whether Faye travel insurance is right for you.

About Faye travel insurance

Faye is the brand name for customizable travel protection plans offered by a company called Zenner Inc. Its website notes that it specializes in quick reimbursements, which can be a big draw for travelers. Policies issued by Faye are underwritten by the United States Fire Insurance Company.

» Learn more: How to pick between travel insurance providers

Faye insurance plans

Unlike many other travel insurance companies , Faye offers only one plan.

To find out what types of coverage Faye travel insurance plans include, we generated a quote for a 44-year-old woman from Arizona who was traveling to Italy for two weeks. Her total trip cost came in at $2,000.

Here’s what Faye provides:

This plan costs 7.03% of the overall trip cost, which is typical according to NerdWallet's analysis .

The plan is comprehensive and includes coverage you don’t typically see, such as reimbursement for lost credit cards and a payment for being inconvenienced.

Faye also offers a number of customizations; there are different add-ons from which to choose, all of which vary in price. More on your options in the next section.

» Learn more: How travel insurance for domestic vacations works

Plan add-ons

If you'd like to customize your Faye travel insurance plan to meet your needs more specifically, you can add on extra coverage for more money.

» Learn more: How does travel insurance work?

What isn’t covered by Faye

Even if you purchase a very comprehensive travel insurance policy, there are still situations where you’re not covered.

These include:

Bad weather, including hurricanes, if the policy was purchased after the storm was named.

Intentionally self-inflicted injuries or suicide.

Expenses incurred while under the influence of drugs or alcohol. 

High-risk sports for which you are paid. 

Psychological disorders, unless you’re hospitalized. 

War and acts of war. 

Illegal acts. 

Piloting or learning to pilot or acting as crew of an aircraft. 

To find the full list of exclusions for your specific policy, be sure to review your plan’s benefits schedule.

» Learn more: What to know before buying travel insurance

How to choose a Faye plan online

Purchasing a Faye travel insurance plan online is simple. You’ll first want to head to the company’s website to generate a quote.

You’ll need to input information like your age, where you live, where you’re going and how long you’re going to be away. Once you’ve got that all entered in, you’ll be taken to the results page.

Here, you’ll be able to see what plan options you have available, as well as what add-ons there are to pick.

After you’ve selected the coverage you’d like, you’ll need to go through the online checkout process.

» Learn more: Is travel insurance worth it?

Which Faye plan is best for me?

Although Faye has just one base plan available for purchase, it has plenty of different add-ons from which to choose. Faye sorts its bundles and add-ons according to the trip you’re taking, so you may see your bundled offer vary from time to time.

For tentative plans . Choosing to add on a Cancel For Any Reason (CFAR) policy can provide peace of mind if your travel plans aren’t solid. With the ability to get up to 75% of your money back, you’ll just want to make sure you’re canceling at least 48 hours in advance. 

For pet owners . Not many travel insurance companies include coverage for your pets , especially not when it comes to vet bills. With a low overall cost, this add-on can make a huge difference if you end up delayed on your return. 

For those wanting to customize everything . Faye’s base plan allows customers to create tons of different customizations according to their travel needs. Even though it’s costly, it makes up for it with wholly comprehensive coverage. 

Faye’s travel insurance offerings may suit your needs, but before purchasing a plan, take a look in your wallet. Many different travel credit cards offer complimentary travel insurance , which can include benefits such as trip cancellation reimbursement, rental car insurance and more.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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

No annual fee: Bank of America® Travel Rewards credit 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

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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

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.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Protect Your Trip »

Cruise packing list: the essentials chosen by experts.

This cruise packing list includes all of the essentials – plus items you didn't know you needed.

Essentials to Pack for a Cruise

Packing for any trip takes some planning, but cruise vacations present a unique challenge – particularly due to limited stateroom storage space and sparse (or overpriced) options for purchasing accidentally forgotten items.

To help you decide what to pack for a cruise, we've curated a list of essentials recommended by cruise experts who regularly sail the high seas. Download the U.S. News Cruise Packing List pictured above to reference while you pack, and read on to learn more about the recommended items and where you can purchase them if needed.

• For packing and planning
• For travel and embarkation day
• For the cabin
• For the ship and shore excursions

Find your perfect cruise

Carry-on bag

Regardless of whether you bring checked luggage, you'll need some type of carry-on bag . Since checked bags need to go through security as they do at airports – and because you may need to wait for your stateroom to be ready, just like at a hotel – you'll want to be able to access any necessities pre-cruise. These might include a swimsuit, sunscreen, sunglasses and a hat for the pools; medications; a bottle of water; and your smartphone, of course. You'll also want to keep your credit card , passport, and any other important documentation or valuables close by. A carry-on backpack works especially well since it can double as a day bag for shore excursions.

Checked bag

While you'll likely want to bring a checked bag, consider sharing one with your ship mate(s) to maximize stateroom storage space. Or, consider bringing medium-sized luggage, such as the The Medium by Away , for checking in.

Read: The Best Checked Luggage Options

Garment bag

Courtesy of Halfday

While many cruises are less formal these days, a garment bag can still be handy for keeping select garments wrinkle-free (since clothing irons are prohibited on cruise ships). Top-rated options include the The Garment Duffel by Halfday and the Briggs and Riley Baseline 22" Carry-On 2-Wheel Garment Bag , both of which double as traditional luggage. If you pack your luggage right, you can make this your only suitcase, in addition to a carry-on bag.

Packing cubes or vacuum-sealed bags

Packing cubes are one of the best ways to organize your belongings for travel – especially in a tight cruise ship cabin. Top-rated options include the Veken packing cubes on Amazon (usually priced around $20) and all of the Pack-It Sets by Eagle Creek. The Pack-It Starter Set is especially ideal for cruising since it includes a garment folder designed to minimize wrinkles in clothing. Some cruisers also swear by vacuum-sealed bags , even though they can be a bit more tedious to pack.

Carry-on caddy

Ashley Kosciolek, senior cruise writer at The Points Guy, recommends a carry-on caddy , particularly if you're flying to your embarkation point. "I have a fabric sleeve that slides down over the telescoping handle on my carry-on to provide pockets for my passport, phone, coffee – all the things I used to have to juggle during check-in."

Digital luggage scale

The compact Etekcity scale – approximately $10 on Amazon – can weigh bags up to 110 pounds and help you avoid overweight baggage fees.

Bungee cord

"Especially for travelling with the family, I use a bright-green bungee cord to strap multiple pieces of luggage together," says Aaron Saunders, senior editor at Cruise Critic. "It's a lifesaver when boarding trains or disembarking ships, particularly when you ' re maneuvering a stroller and a little one around, too."

Luggage tracker

Courtesy of Apple

A luggage tracker isn't just useful for air travel. Attach one to your checked cruise luggage to see when it has arrived in your stateroom (or if it's stalled at security). Chris Gray Faust, executive editor at Cruise Critic, doesn't go anywhere without her Apple AirTag after her luggage got stuck in Vancouver for over a week last June. "My AirTag use has expanded beyond my checked luggage, too. I also have AirTags in my handbag, my carry-on, my keychain and my wallet."

Cruise insurance

Due to the unpredictable nature of travel, cruise insurance can be a wise purchase ahead of your voyage. Travel policies can cover unforeseen expenses such as trip interruptions and medical emergencies.

While a passport is often required for cruising, rules can vary depending where you're traveling. Determine whether you need a passport for your upcoming cruise ; if you do, triple-check that you have it packed the day of departure.

Credit cards and local currency

When cruising internationally, consider getting small amounts of each country's currency to have on hand in port. Depending where you go, some local markets may only accept their own country's currency, not U.S. dollars or credit cards. It's also nice to leave cash gratuities for cab drivers, tour guides or servers; in the European Union, 1- and 2-euro coins are convenient and appropriate tips. In ports with vendors that do accept credit cards, be sure to carry a Visa or Mastercard , as some shops and restaurants do not take American Express .

RFID wallet

It's important to protect your travel documents with an RFID wallet like the TIGARI Passport Holder or the ZOPPEN RFID Travel Passport Wallet , the latter of which can hold multiple passports for a family. "Thieves and hackers can steal your credit card information just by using skimming devices," explains Jill Schildhouse, a cruise expert and U.S. News contributor who always travels with her RFID wallet. "And because your wallet wasn't even touched, you won't know it happened until you see your credit card statement."

Medications

Pack more than enough of your prescription medications as well as any over-the-counter medicines you'll need, just in case you encounter an itinerary change or travel delay. While some travelers find it easiest to bring personal medicines in their prescription bottles, others find travel pill boxes to be especially helpful for organization. The Sukuos Weekly Pill Organizer is a well-rated option, with detachable boxes for each day as well as compartments for morning and evening medications.

Sheet masks

Since flying can be so drying for the skin, Faust likes to use sheet masks. "My first step the night before I board (because you should always fly in a day early) is to hydrate with a sheet mask (usually from a Korean brand like Ballon Blanc or FaceTory )," she says. "If I'm meeting up with a friend, I bring an extra sheet mask so our trip starts out feeling a bit like a spa day!"

Magnetic hooks

A surprising fact: Cruise ship cabin walls are made of metal, which means you can optimize your storage space by hanging some of your belongings on magnetic wall hooks. The hooks are perfect for holding bulky coats or boots if you're traveling to a colder climate. You can also use them for wet gear on expedition ships and adventure cruises, or for drying out bathing suits after days at the beach or pool. Purchase a set of magnetic hooks for less than $10 on Amazon .

Like hotels, cruise ships can only provide so many hangers. Bring a few extras from home or pick up a pack from your local dollar store. You might also try packable hangers .

Wrinkle release spray

Whether or not you bring a garment bag, a travel-size bottle of wrinkle release spray, such as Downy Wrinkle Releaser spray , is useful to have on board. If you combine a spritz or two with the steam from your shower, you should be able to smooth out some of the wrinkles in your clothing.

Laundry detergent

"If you don't want to pay for laundry service or spend precious time in the self-service laundry room, bring a small bottle of laundry detergent like Woolite to wash key items in the sink: underwear, bras, quick-dry hiking shorts, bathing suits, etc.," recommends Schildhouse. "Every cruise ship shower has a retractable clothesline you can extend to drape the clothes over while they dry. This can also help cut down on the number of items you need to pack."

Over-the-door organizers

Over-the-door organizers with clear or mesh pockets allow you to find your feminine hygiene products, makeup, jewelry and other small items quickly – without having to hunt through multiple drawers or a tight stateroom closet. It's a good idea to purchase a two-pack like this option by Simple Houseware Store (available on Amazon), since you can also use one to store shoes and maximize floor space.

Courtesy of Poo-Pourri

It goes without saying, but to say it anyway: A toilet spray like Poo-Pourri is a must for your cruise packing list. Any smell – pleasant or not – will travel quickly in small staterooms with small bathrooms. Buy a travel-size bottle to keep in your cabin.

Shampoo and conditioner

Cruise experts agree it's best to bring your own shampoo and conditioner in travel-size bottles, as most cruise ships don't provide separate shampoo and conditioner anymore; instead, they offer all-in-one dispensers. Colleen McDaniel, editor-in-chief at Cruise Critic, likes to pack her shampoo and conditioner in the popular Cadence Capsules , noting she also uses them for another essential: sunscreen. "These capsules are easy to fill, never leak and have clear labels, which you can customize," she says.

Wine or Champagne

Most major cruise lines allow each guest to bring one to two bottles of wine or Champagne on board, while some luxury cruise lines allow even more than that. Disney Cruise Line also gives guests the option to bring a six-pack of beer instead of wine or Champagne. Be sure to consult your cruise line's policies when packing for your trip.

If you plan to bring wine or Champagne, you'll likely need a corkscrew . While some cruise lines may prohibit corkscrews, others allow them onboard; check your cruise line's policy before sailing. Bringing wine with a twistable cap may be a good alternative.

Portable humidifier

Cruise ship cabins can feel dry – especially in the colder months. A portable humidifier like the GENIANI Erie (around $25 on Amazon) can provide some relief. At about half a pound, this USB-powered device will fit neatly into your checked bag or carry-on luggage. The travel humidifier features two mist settings and has an automatic shut-off option, plus a night light to help you see around your cabin in the dark.

International travel adapter or converter

You'll likely need a travel adapter, since cruise lines homeported in international locales may have different electrical sockets and voltage strengths than you're used to in the U.S.

McDaniel recommends the OneWorld65 Travel Adapter . "I've used a lot of different travel adapters over the years, but this is my favorite. It charges up to six devices at once, has USB and mini-USB options, and works in over 200 countries," she says. "While many cruise ships have U.S. outlets, most usually also have European outlets. This adapter lets me take advantage of that outlet I'd otherwise ignore." She also notes that while cruise lines are getting better about having more outlets on their ships, it never feels like enough to keep your phone, camera battery, tablet, watch, headphones/earbuds and laptop charged (times two or more if you're traveling with others).

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Sound machine

Cruise experts agree a sound machine can be helpful for blocking out the sound of late-night partiers returning to their staterooms (or your snoring spouse). Schildhouse likes the LectroFan Micro 2 for cruising. "It plays non-looping white noise and doubles as a speaker to play tunes while you get ready for dinner."

Tech organizer

Courtesy of Bagsmart

A tech organizer like the BAGSMART electronics organizer case – available on Amazon for about $20 – can store all your cables, plugs, SD cards and earphones in one zippered, compact bag that will fit easily in your carry-on luggage. Despite its small size, it can also hold bulkier items like a small laptop charging cord.

First-aid kit

A first-aid kit is a good thing to have on hand no matter where you go. You can make your own using supplies you already have at home, or buy a premade first-aid kit on Amazon for about $20. While all cruise ships have medical facilities, it's useful to have these items with you on shore excursions, especially those involving active adventures.

Hand sanitizer

Regularly washing your hands and/or using hand sanitizer is essential to staying healthy while traveling, especially on a cruise ship. Stock up on a few travel-size bottles of hand sanitizer (less than $2 each at Walmart) ahead of your trip. If you're looking for something with less alcohol that's also less drying, check out Babyganics Alcohol-Free Foaming Hand Sanitizer .

If you're a parent, you know that your infant or toddler needs a very specific size – and in some cases brand – of diapers, which may very well be unavailable to you on your cruise ship or in the ports of call. Bring more than enough diapers to play it safe at sea.

Most cruise lines also require that non-toilet-trained infants and toddlers wear swim diapers in the children's water play areas. For the sake of sanitation, kids must be toilet-trained to use the pools on cruise ships.

Many cruisers like to personalize their cabin with stateroom door decor. Not only is it a fun tradition, but decorating the door can make it easier to locate your room, too. You can find lots of fun decor ideas on Pinterest as well as Amazon.

" Duct tape is a life-saver in many situations," says Kosciolek. "I primarily use it to attach my printed luggage tags, but it's also great for mending clothing issues on the fly and fixing broken luggage until you can get it back home."

"As a parent, I like to bring lanyards with sleeves so my kids can wear their keycards and not lose them," says Erica Silverstein, senior cruise editor at The Points Guy. "We hang them on the magnetic hooks I put on the wall, so they don't get lost in the cabin either."

Courtesy of Sea-Band

If you're prone to (or think you may be prone to) motion sickness on cruise ships, put a pair of Sea-Bands on your cruise packing list. These soft wristbands use acupressure to prevent and minimize nausea and vomiting on board, and they are a reusable, drug-free alternative to traditional anti-nausea medications. You can purchase Sea-Bands on Amazon or at most drugstores.

If you need something a bit stronger than Sea-Bands (or to use in conjunction with them), Dramamine remains a tried-and-true solution for both preventing and treating sea sickness. Choose the Less Drowsy formula to avoid getting sleepy, and consider the chewable tablets (dye-free) if traveling with kids who are prone to queasiness. Many travelers like Bonine as a remedy for sea sickness as well.

Mix-and-match clothing

Pack a variety of mix-and-match items, also known as a capsule wardrobe, for your cruise. To do this, choose a base color – black or navy blue – for your wardrobe. Next, pack plain, neutral-colored items, then add a few patterned items to the mix. Remember to include a variety of styles (T-shirts, long-sleeved shirts, pants, shorts, dresses, rompers and jumpsuits) and also consider reversible clothing and outfits that can easily transition from day to night.

Sports jacket or blazer

Adam Coulter, executive editor of Cruise Critic UK & Australia, recommends packing a sports jacket or blazer. "While cruise lines are getting more casual, what happens if you get that last-minute invite to meet the captain, or there's a meet and mingle where you want to look put together? A jacket will always elevate your elegance (even if you're wearing a T-shirt underneath)," he says. If you're in need of a travel blazer, Bluffworks has some well-rated options; the Gramercy , in particular, gets great reviews.

Themed party attire

Some cruise lines host themed voyages or parties on select nights where passengers can dress up to participate in the fun. You'll want to review your cruise itinerary before you go so you're prepared for the festivities. Bring your buccaneer gear if you're sailing aboard Disney Cruise Line; ships host fun events like Pirate Nights, pirate-themed dinners and a "Pirates in the Caribbean" show. On "The Love Boat"-themed cruises offered by Princess Cruises , pack your platform boots, glittery dresses, bell-bottom pants and halter tops for the line's 1970s-inspired disco party on the deck. No matter the theme, you can't go wrong with a couple of captain hats .

Travel wrap

A travel wrap is a versatile accessory that's useful for any trip – even more so on a cruise ship where it can get chilly when the sea breeze picks up. Available in nearly 10 different colors, J.Crew's Oversized Cashmere Wrap is a timeless staple, albeit a bit of an investment; for something less expensive but well rated, try this off-brand pashmina shawl on Amazon .

Packable jacket

Courtesy of Patagonia

If you're cruising to a cold weather destination such as Alaska, you'll need something heavier than a travel wrap, but not so bulky that it requires additional luggage. Consider a packable jacket that folds easily and compactly; travel experts highly recommend the Patagonia Nano Puff Jacket .

Packable hat

If you're headed to the Caribbean or another warm weather destination, you'll want a beach hat to protect your scalp and face from the sun. This packable straw hat by FURTALK (available on Amazon for about $25) is a stylish women's option that features a broader brim and offers UPF 50 sun protection.

Comfortable walking shoes

Courtesy of Allbirds

Even if you never step foot off the ship, there is still plenty of walking to do between bow and stern. Closed-toe shoes or sandals with straps are safer than flimsy flip-flops when boarding a slippery tender into port (if your ship can't dock directly). Check out our recommendations for the most comfortable walking shoes , which include the popular Allbirds Wool Runners and the ECCO Yucatan Sandals .

Water shoes

Depending on your scheduled shore excursions, you might also need a pair of water shoes. For something that's both functional and fashionable, Crocs' Classic Clogs are a good option. While not totally waterproof, the Native Jefferson is a water-friendly, versatile option.

Versatile heels

"Over the years, I've learned that the key to avoiding overpacking is to bring one neutral pair of low heels that match every single eveningwear outfit I've packed – from flowy pants to dresses," says Schildhouse, who loves her Rockport Tabitha 2-Strap Heeled Sandals . "They have a cushioned footbed and shock-absorbing heel so you can dance the night away in the club, and a 3-inch block heel with traction to keep you steady on your feet even if the ship's rocking a bit."

Reusable water bottle

A reusable water bottle is useful for filling up at water and beverage stations on your cruise ship; it's also a necessity for shore excursions.

Bathing suit

Pack a couple of swimsuits for the pools, hot tubs and any shore excursions.

Swim cover-up

Another must-have for your cruise packing list is a swimsuit cover-up or two. These are great for wearing over your bathing suit during days at sea, as well as on excursions – especially if you're going on a Caribbean cruise . Amazon sells a variety of stylish, affordable cover-ups, and you can never go wrong with a classic white button-down shirt .

Dry bags are useful for shore excursions where you're likely to get wet but don't want the same to be true for your phone, camera and other precious items. "I use the Outdoor Research Unisex Dry Isolation Pack   and have never had so much as a drop of moisture enter it, which is important for me – it keeps my cameras, documents and important items from getting wet," says Saunders, adding that it functions as a great everyday backpack when it's not raining.

If you need more than one dry bag, cruise expert Brittany Chrusciel recommends the Sea to Summit Lightweight Dry Bag Set . "Having these dry bags, in a variety of sizes, means I can bring all my gear along during a Zodiac cruise or snorkeling excursion without having to worry about it getting wet."

Waterproof phone case

A waterproof phone case is also essential, especially if you plan to take photos. The Hiearcool Waterproof Phone Pouches (available in a two-pack) come with a lanyard so you can both protect your phone and wear it around your neck. They are compatible with most smartphones.

"I like to bring collapsible pails, small shovels , inflatable beach toys, a floppy Frisbee or other things to entertain the kids on the beach if we're going to a private island or beach destination," says Silverstein. "If you can inflate your own inner tube, you don't need to rent a floating mat."

Beach towel

"Although cruise lines provide guests with towels to take off the ship on excursions, they are often bulky and sometimes small," explains Chrusciel. "The Surfer Towel folds up to nearly nothing, so it takes up almost no room in your suitcase and is super convenient to pack in a day bag. What's more, its quick-drying technology means that the lightweight fabric won't be soaking wet when you need to pack up for the day and head back to the ship."

Towel clips

"Even though giant plastic towel clips shaped like a flamingo are a bit cringey, they make it easy to find your spot in a sea of sun loungers," says Chrusciel. "They also solve a common cruise problem: keeping your towel securely fixed to your chair while reading or sunbathing."

Reef-safe sunscreen

Courtesy of Badger

When choosing a sunscreen, look for something that's reef-safe; not only are these sunscreens safer for the environment, but they're also better for you . The active ingredients in reef-safe sunscreens, also known as mineral sunscreens, are zinc oxide, titanium dioxide or a combination of both. Top-rated mineral sunscreen brands include Think , Badger and Raw Elements , all of which also sell lip balm with sunscreen (another essential at sea).

After-sun lotion

You'll want an extra dose of moisturizer if you've been basking in the sun. COOLA makes an after-sun body lotion that cools and hydrates the skin with aloe vera, agave and lavender oil. Previous buyers rave about this lotion, noting they appreciate that the scent isn't overpowering.

A good book

Sea days are the perfect time to kick back and relax with a book you've been meaning to read. Find an oceanfront lounge chair in a shaded area on the pool deck, or grab a cup of tea and settle into a quiet nook indoors. There's no need to pack more than one book, however, as many cruise ships have libraries.

What not to pack for a cruise

Power strip.

Many cruise lines do not permit power strips as they present a fire hazard, while others allow them as long as they are non-surge-protected. Instead of a power strip, purchase a portable charger such as this highly rated one by Anker , which can power up multiple devices at once. This can be especially useful for shore excursions. When packing for your cruise, also think about your luggage: If it has an included charging port, you may not even need to purchase an additional charging block.

Weapons and restraints

Firearms, handcuffs and the like are not permitted on cruise ships. This rule also includes toy guns on most cruise lines.

While most major cruise lines allow guests to pack a limited amount of wine or Champagne per person, they do not permit hard liquor. Of course, those of age can purchase cocktails at any of the bars on board.

Household appliances

Irons and steamers are not permitted on cruise ships, which is why the aforementioned garment bags, wrinkle release spray and packing cubes are recommended for keeping clothing tidy and neat. Coffee makers and mug warmers are also prohibited.

While you can technically bring you own, it's not necessary as hairdryers are available in every bathroom on most ships.

CBD and marijuana

CBD that's derived from hemp and contains 0.3% THC or less is legal at a federal level. However, each state interprets and enforces this law differently; for example, many states require a prescription for it. Due to the ambiguity of the laws, most cruise lines continue to ban CBD in any form.

Marijuana remains illegal under U.S. federal law, which means you cannot bring it on a cruise ship – even if you're legally able to purchase it in your home state for recreational or medical use.

Why Trust U.S. News Travel

For the U.S. News Cruise Packing List, travel writers Gwen Pratesi and Amanda Norcross tapped leading industry experts for their cruise essentials. They regularly update this checklist with new and useful items to pack.

You might also be interested in:

• The Best Cruise Lines
• The Best Adults-Only Cruises
• The Best All-Inclusive Cruises

Vacation Ideas for Every Traveler

Tags: Travel , Cruises , Travel Gear

World's Best Places To Visit

• # 1 South Island, New Zealand
• # 4 Bora Bora

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• Hurricane Travel Insurance

Travel Insurance for Hurricane Season: All You Need To Know

On This Page

• Key takeaways

When is hurricane season?

Does travel insurance cover hurricanes and tropical storms, what does insurance cover when traveling during hurricane season, what is not covered by hurricane travel insurance, how much does travel insurance for hurricane coverage cost, when should i buy travel insurance for hurricane coverage, travel insurance tips during hurricane season, faq: hurricane travel insurance, related topics.

• Travel insurance doesn’t automatically cover hurricanes , so you must purchase a policy that explicitly mentions hurricane coverage to ensure protection.
• Though it’s main purpose is to reimburse lost travel expenses due to trip delays, cancellations and interruptions, it also offers some medical coverage.
• If you buy travel insurance after a storm is named, you won’t be covered for hurricane-related losses. Therefore, it’s important to get travel insurance as early as you can .
• Based on our research, our top picks for travel insurance that include hurricane coverage come from Travel Insured, Seven Corners, AXA Assistance and Berkshire Hathaway ( skip ahead to see these plans ).
• We found that hurricane travel insurance costs approximately $15 to $26 per day .
• Find the right hurricane coverage for your trip by using our online tool to compare travel insurance plans.

Hurricane, tropical cyclone and typhoon are all names for the same weather phenomenon.

Hurricanes can wreak havoc on travel plans. Although it’s helpful to take precautions, you need comprehensive hurricane travel insurance. This type of coverage may help you recoup some of your losses if you have to cancel your trip or leave in the middle of your trip due to a hurricane.

We put together this guide to help you understand the following:

• What does travel insurance for hurricanes cover?
• How much does hurricane coverage cost?
• What isn’t covered by hurricane trip insurance?
• When should you buy travel insurance hurricane coverage?
• How can you protect yourself when traveling during hurricane season?

Our top picks for the best hurricane travel insurance

• Travel Insured International: Best Rated Travel Insurance
• AXA Assistance USA: Best For Budget Travel
• Berkshire Hathaway Travel Protection: Best For Seniors

Our top picks for hurricane travel insurance

Travel insured international, axa assistance usa, berkshire hathaway travel protection.

Hurricane season usually occurs when the ocean water is warm enough for a hurricane to form, meaning hurricane season varies for different regions. 

Due to differences in elevation and the amount of sunlight received, ocean warming occurs at different rates, affecting hurricane timing. 

The table below shows when hurricanes typically occur in each region.

Yes, some travel insurance plans cover hurricanes and tropical storms, but not all do. If you want protection from hurricanes, you must purchase a policy with hurricane coverage listed as one of its benefits . 

Additionally, you won’t be covered if you buy a policy after a storm has already been named.

Named storms

Most plans exclude coverage for named storms, which are storms that were named and classified as tropical storms or severe storms before you purchased hurricane coverage. 

To be covered for a hurricane or tropical storm, you must buy travel insurance at least 24 hours before the storm is named .

Travel insurance during hurricane season usually covers various expenses, depending on the policy type. This can include compensation for trip interruptions, cancellations, delays, medical treatment, evacuation costs, damaged personal belongings, and rental car damage. 

While its main purpose is to reimburse lost travel expenses, it also provides some medical coverage for travelers.

Let’s delve into how various situations could affect your trip and how the different types of coverage mentioned earlier can provide assistance.

The destination is under a hurricane warning

A hurricane warning means that a destination is expected to have sustained winds of at least 74 miles per hour, according to the National Oceanic and Atmospheric Administration (NOAA). Some travel insurance policies reimburse you if your destination is under a hurricane warning issued by the NOAA.

Before you travel, it’s important to review the terms of your policy carefully. Check to see if you’re eligible for coverage if the NOAA issues a hurricane warning shortly before or during your travel. 

There is storm damage at the destination

If a tropical cyclone inflicts significant damage on a hotel, vacation rental, or other property, rendering it uninhabitable, hurricane coverage can reimburse you for your losses. If it’s damaged before your vacation, trip cancellation coverage will apply. If it happens during your trip, trip interruption coverage steps in.

Natural disaster causes damage to your home

Sometimes, you need hurricane coverage due to a storm at your home instead of at your destination. For example, if a storm causes severe damage to your home right before you’re scheduled for a romantic getaway, you may not be able to travel as intended. A comprehensive hurricane travel insurance policy reimburses you for this type of loss.

Note that hurricane travel insurance doesn’t pay for any of the damage to your home. It only refunds your prepaid expenses. If a storm hits your home before your trip, cancellation coverage applies. If it hits during your trip, interruption coverage will kick in.

Your airline or cruise line cancels or delays due to weather

Sometimes, an airline or a cruise line must cancel or delay a journey due to poor weather conditions. Coverage for airline and cruise delays varies by policy, but you may be able to use your trip delay, trip cancellation or trip interruption insurance depending on the circumstances.

Mandatory evacuation order during trip

If a government agency issues a mandatory evacuation order, you must leave the area immediately. This is difficult enough when you’re going through a storm at home, but it’s even worse when you’re traveling because you may not be familiar with the region or know how to get help when you need it.

When shopping for hurricane trip insurance, look for a policy with trip interruption coverage that reimburses you for losses associated with mandatory evacuation orders. Having the extra coverage can help you avoid losing thousands of dollars.

Some policies include non-medical evacuation coverage, but you’ll likely need to use your trip interruption benefits to recoup evacuation-related expenses.

Your cruise vacation is affected by a hurricane

Cruises are even more susceptible to hurricanes, as they take place in the water instead of on land. Ship captains have to consider passenger safety and other factors when making decisions regarding cancellations and delays. 

If a hurricane affects your cruise vacation, you may be able to use some combination of trip cancellation, trip interruption and trip delay benefits to recoup your prepaid, nonrefundable expenses.

Even the most comprehensive hurricane travel insurance plans don’t cover every scenario.

As previously mentioned, hurricane coverage doesn’t apply to named storms. For example, if the NOAA announces a storm on November 1, you won’t be covered if you wait until November 5 to purchase your policy. You’d have to buy your coverage at least 24 hours beforehand.

Some companies refuse to cover policyholders if they live near their destinations. For instance, if you live in Orlando and plan to visit Miami, your hurricane travel insurance may not cover you if a hurricane hits Miami before or during your trip.

The cost of hurricane travel insurance varies depending on factors like your destination, trip duration and total trip cost.

To give you an idea of the cost, example quotes for travel insurance plans that cover cancellation or interruption due to natural disasters or severe weather events for a trip to Mexico.

We applied the following criteria to each quote:

• Trip duration: Seven days
• Average Trip cost: $2,000
• Destination: Mexico
• Time of trip: November 2024
• State of residency: California

In this example, you can see that travel insurance that includes hurricane coverage costs around $15 to $26 per day .

Cost Example of Plans That Provide Hurricane Coverage

Since travel insurance costs depend on multiple factors, the quotes you see may not reflect your actual expense. For accurate pricing, it’s best to obtain a personalized quote .

Consider getting travel insurance with hurricane coverage in these situations.

You are traveling during hurricane season

If you’re traveling during hurricane season, research your destination carefully. Buying hurricane travel insurance is a no-brainer if your destination is known for hurricane activity. For example, if you plan to visit the Bahamas in July, you’ll be traveling right in the middle of the Atlantic hurricane season.

You live in an area prone to natural disasters

Even if the weather at your destination is perfect, that doesn’t mean you don’t need hurricane travel insurance. You should buy a policy if you live in an area prone to hurricanes and other natural disasters. 

If your home sustains severe damage before or during your vacation, you’ll be able to use your travel insurance policy to get back some of the money you spent.

You are going on a cruise

Cruises are highly dependent on weather patterns. Sudden changes in temperature or wind speed can cause unexpected delays or cancellations. You should purchase hurricane travel insurance to protect you under these circumstances.

Use these tips to find the best travel insurance for your trip during hurricane season.

Buy travel insurance early to ensure you’re covered.

Many providers require you to purchase coverage at least 24 hours before a storm is named. Otherwise, the hurricane won’t be covered, and you may not be able to recoup any of your expenses.

Check the booking policy.

Some providers only allow full coverage for up to seven days after you book your trip. If you purchase travel insurance while booking, there’s a better chance you’ll be able to recoup your expenses if a hurricane impacts your trip. You can still purchase travel insurance during your trip, but you will likely have limited options. Trip cancellation won’t be included, your coverage may be delayed due to mandatory waiting periods and most hurricane-related coverage won’t apply.

Opt for trip cancellation and interruption coverage.

Trip cancellation and interruption coverage are usually optional, but most hurricane-related benefits are linked to these two types of insurance. If you don’t pay for trip cancellation and interruption coverage, you may not be able to recoup many of your expenses.

Take advantage of 24-hour travel assistance and concierge services through your travel insurance.

If a hurricane interrupts your trip, contact your insurer’s concierge service. Trained agents are available to help you adjust your plans, maximizing the chances that you’ll be reimbursed for your hurricane-related losses.

Consider opting for CFAR insurance for full protection.

Standard trip cancellation insurance only reimburses you if you cancel for a covered reason. For even more protection, consider getting cancel-for-any-reason coverage . This type of coverage reimburses you for a percentage of your prepaid, nonrefundable expenses if you decide to cancel for a non-covered reason.

What is the best travel insurance plan to have for hurricane season?

The best travel insurance plan depends on where you’re going, how much you’re spending and what kind of coverage you need. Ideally, your insurance plan will include trip cancellation, trip interruption and trip delay benefits. It’s also important to make sure your policy includes hurricane-related coverage.

If you’re concerned about the effects of a hurricane on your trip, look for a policy that covers mandatory evacuations, airline delays, itinerary changes and other situations. The more coverage you have, the more money you’re likely to get back if a hurricane impacts your trip in some way.

Does travel insurance cover severe weather?

Yes, but with some exceptions. In the event of a hurricane, your travel insurance policy may reimburse you if you have to cancel because your destination is uninhabitable. 

Travel insurance may also protect you in the event of an airline, train, bus or cruise delay caused by inclement weather. Generally, it must be an extended delay — not a delay of an hour or two.

Do credit card travel protections cover hurricanes?

It depends on the terms of the policy. If your credit card comes with comprehensive travel insurance, it may cover hurricane-related losses. Some plans are very limited, however, and don’t include coverage for losses associated with inclement weather. Check the terms of your policy carefully to determine exactly what it covers.

Does travel insurance cover my cruise if there is a hurricane?

Your travel insurance policy should cover your cruise if there’s a hurricane, provided you purchased a plan with hurricane coverage included. Additionally, your plan needs to have trip interruption and trip cancellation coverage, as most hurricane-related benefits are bundled with those types of insurance.

When is hurricane season in Florida?

Florida is situated along the Atlantic coast, so its hurricane season runs from June 1 through November 30 each year.

When is hurricane season in the Caribbean?

The Caribbean hurricane season runs from June 1 through November 30, just like hurricane season in Florida.

When is hurricane season in Hawaii?

Hawaii is in the Pacific Ocean, so its hurricane season runs from June through November.

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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Fast Cover Announces Cruise Insurance for Australian Market

Looking for cruise travel insurance in Australia? Fast Cover have competitive pricing for the level of coverage offered with a range of coverage options from onboard emergency medical emergencies to unexpected trip cancellations from sickness or injury. Get a quick quote online and set sail.

Royal Exchange, Australia - May 5, 2024 /NewsNetwork/ —

As cruise lines return to the open seas, Australian travelers are eagerly planning their next oceanic adventure.

Fast Cover , is focused on being a trailblazer in the travel insurance industry, by striving to address the needs of cruise enthusiasts with travel insurance that can be customised by travelers to meet their own individual needs. Its cruise travel insurance policies not only provide choice but also are designed to cater to the nuances of sea travel and its particular uncertainties. So, depending on the policy chosen, eligible travelers can be covered from their departure to their return to the dock.

Fast Cover’s move comes as the cruise industry witnesses a resurgence in popularity. With an increasing number of Australians opting for cruises as their vacation of choice, the need for specialized cruise insurance has never been more pronounced. Fast Cover’s response is a range of options that, depending on the policy chosen, can offer certain coverage from onboard emergency medical emergencies to unexpected trip cancellations due to sickness or injury, providing an additional safety net for travelers in selected situations.

Charting a Course for Cruise Coverage

Fast Cover’s cruise insurance policies can address a broad spectrum of concerns:

Medical Coverage at Sea: Recognizing the potential for medical issues on board, Fast Cover can offer certain cover for unexpected overseas emergency medical expenses for travelers who may be far from land-based medical facilities. There is no medical cover within Australia as medical expenses are covered by Medicare and/or private health insurance however certain emergency medical evacuations are available.

Customised Packages: Policies can be customized with optional extras, allowing travelers to add cover for the more adventurous activities, specified high value luggage items, rental car insurance excess and more.

Coverage Onshore: Acknowledging that many international cruise experiences include onshore excursions, Fast Covers policies can include cover for activities and time off the ship as well.

Existing Medical Conditions: The company offers medical screening to apply for coverage of existing medical conditions, so that passengers can consider their options when cruising.

Navigating the Waters of Customer Satisfaction

A key differentiator for Fast Cover is its dedication to customer satisfaction. Its policies are crafted with the understanding that cruise holidays can be a significant investment and that travelers want options to protect their travels. With Fast Cover, passengers can obtain an insurance quote swiftly through an efficient online platform, allowing more time for holiday planning and less for paperwork.

Anyone getting a quote should consider the Product Disclosure Statement and Target Market Determination on their website, as any advice provided is general advice only and may not be suitable for them.

Why Fast Cover's Cruise Insurance Is Making Waves

Accessibility: Individuals need to specify ‘Cruise’ at the time of policy purchase. The online quote system is straightforward, making it accessible to travelers up to the age of 89 years of age.

Domestic Cruise Coverage: With a growing trend towards domestic cruising, Fast Cover provides a specialized product for those exploring Australian waters, so that even shorter trips close to home can be insured.

Competitive Pricing: Fast Cover is committed to providing value, offering competitive pricing for the level of coverage offered.

Knowledge Base: Their website serves as a resource, educating customers on the importance of cruise insurance and the specificities it entails.

The Voyage Ahead

As Fast Cover adapts its offerings to the unique demands of cruise travel, it sets a standard for travel insurance in the Australian market. Its proactive approach to policy development and customer care stands as a model of innovation and responsiveness in a rapidly changing travel landscape.

For those about to embark on their next maritime adventure, Fast Cover’s message is clear: “We are on board with you, especially in an emergency situation when you need us most.”

For Fast Cover cruise travel insurance options which are underwritten by Lloyd’s, Travelers can call 1300 409 322 directly or visit their website.

Fast Cover Pty Ltd ABN 98 143 196 098, AFS Licence 538708 (Fast Cover). Insurance policies are arranged, administered and varied in accordance with the binder issued to Fast Cover by the underwriters and are underwritten by certain underwriters at Lloyd's. Any advice provided is general only and insurance coverage is subject to underwriting eligibility criteria, policy terms, conditions, limits, sub limits and exclusions. Fast Cover's compensation is included in the total amount paid. Fast Cover receives a portion of the insurer's premium for promoting Fast Cover Travel Insurance policies. Consider the Combined Financial Services Guide and Product Disclosure Statement (PDS) and Target Market Determination (TMD) which are available at fastcover.com.au before deciding whether this product is right for the individual.

Contact Info: Name: Craig Morison Email: Send Email Organization: fastcover Address: PO Box R1384, Royal Exchange, NSW 1225, Australia Website: https://fastcover.com.au/

Release ID: 89128788