Tommy Lloyd
Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

A cruise holiday is an exciting prospect: visiting all those amazing destinations, relaxing on a wonderful ship with a collection of incredible amenities. The last thing anyone wants to think about is insurance. However, travel insurance can provide peace of mind and make sure that you can relax on your holiday.

Have you been asking yourself, ‘do I need cruise cover on my travel insurance?’ or are unsure if you need to purchase specialist cruise holiday insurance? If so, you are in the right place as we are here to answer all your questions about travel insurance for cruises. Read on for all the details and helpful information.

Do I need special travel insurance for a cruise?

Standard travel insurance is not a legal requirement, and neither is cruise travel insurance. However, you will find that some cruise ships and UK travel agents require you to have cover before you can board your cruise. Further still, having travel insurance for your cruise is a smart idea as it will mean you are covered for unforeseen expenses like medical emergencies and cancellations.

Will any old travel insurance do? While you can take out regular travel insurance for your cruise, you will not receive all the benefits of specialist cruise holiday insurance that is purposely designed for cruise holidays.

Family On A Cruise

What travel insurance do I need for a cruise?

What is cruise travel insurance?

Speciality cruise travel insurance is a type of additional cover for those going on a cruise holiday. While standard travel insurance that also covers cruises is sufficient, you can get extra protection with specialist cruise cover, such as for missed ports and cabin confinement. You can either buy cruise cover for a single trip or as an annual policy that covers all your travel during a 12-month period.

What does cruise travel insurance cover?

Travel insurance for cruises includes all the regular benefits of standard travel insurance but also some important items that are specific to a cruise holiday. They are things you won’t want to miss out on, giving you peace of mind should the worst happen. For example, you can be covered for:

  • Missed port departure
  • Cabin confinement for medical reasons
  • Airlifting from the cruise ship should you need to be hospitalised
  • Cruise interruption
  • Change of itinerary
  • Cover of unused excursions
  • Cruise cancellation

Whereas standard travel insurance only provides for:

  • Medical expenses
  • Lost or stolen luggage
  • Holiday cancellation

As a result, you can see why having cruise-specific travel insurance would be very helpful.

Cruise travel insurance for pre-existing medical conditions

For those with pre-existing medical conditions, having travel insurance for your cruise is definitely advised. Should you become ill or need treatment during your trip, cruise travel insurance will mean that you are covered. You just need to declare your pre-existing conditions when applying for your insurance. Here at Medical Travel Compared, we can then compare the best quotes that cover any conditions you have been diagnosed with.

Is there cruise travel insurance with COVID cover?

Yes, you can purchase cruise travel insurance with COVID cover. When you compare cruise travel insurance with us, we will only show you quotes that will cover emergency medical expenses and repatriation to the UK if you catch COVID while on holiday. Some insurance providers will also be able to provide cancellation cover should you contract the virus before you are due to depart.

How many days can cruise travel insurance cover me for?

You can typically be covered for up to 45 days with single trip cover – perfect for the vast majority of cruises. Some providers will even cover up to 94 days but either way, whether you are heading on a short cruise around the Med or are looking for world cruise travel insurance, you should be just fine.

If you are planning multiple trips throughout the year, you can also be covered via annual multi-trip insurance. While there will be a maximum number of days you are covered for each trip, it’s a great option to consider for frequent travellers.

Cruise Ship At Sea

What is the best cruise travel insurance to get?

The best cruise insurance in the UK is a policy that will cover you for cruise-specific eventualities, such as cabin confinement and missed ports of call, as well as any pre-existing medical conditions. Other factors to consider are the amount of money you are covered for, how much the excess is, and, of course, the price of the policy itself.

In order to help you determine the best UK cruise insurance, our comparison tool will provide you with a selection of quotes to choose from. Take your time and make sure that everything you want is covered.

How much does cruise insurance cost?

The price of cruise insurance will depend on a number of different factors that are unique to your own situation. For example, the cost will change depending on the destinations you are visiting, the length of the cruise, your pre-existing medical conditions, and your age.

Comparing the prices of cruise travel insurance is a good idea as different providers will quote you different prices. They are all competing with each other so take the time to shop around for the best price.

Is travel insurance more expensive for a cruise?

Cruise insurance does tend to be more expensive than standard travel insurance. This is because the cost of medical expenses, should you become ill at sea, are normally higher, thus resulting in a more expensive policy. Just think about it, a regular ambulance can take you from the hotel to the hospital but on a cruise ship, a much more expensive helicopter will have to be used.

Further still, travel insurance is more expensive for a cruise holiday because it covers more than a standard travel policy. As you can claim for things that will only take place on a cruise, such as missed port or cabin confinement, the insurance premium will be naturally higher.

You can reduce the cost of your cruise insurance by choosing a policy that covers fewer items, only opting for one that covers the essentials of medical expenses but, of course, the peace of mind you get from full cover might be something you will miss.

Person Holding Cruise Rail

How to buy cruise travel insurance

The best way to buy cruise travel insurance is by comparing the different deals that are currently available. This is easy to do with us here at Medical Travel Compared. With our quick online comparison tool, you can be comparing quotes in no time at all.

  • Head to our ‘Travel insurance quote’ form
  • Choose ‘single trip’ or ‘annual trip’ travel insurance and add ‘cruise cover’ when applying
  • Select the countries that you will be travelling to on your cruise using our multi-destination travel filter
  • Let us know when you are going and when you are coming back
  • Decide how many people you want to be covered
  • Provide a few personal details, such as any pre-existing medical conditions

Once you have filled in the form, you can start browsing the quotes and decide which policy is right for you.

We hope this guide has been helpful. For more informative travel insurance articles like this, make sure to head to our guides page.

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