Modified on 27th Aug 2019

Travel insurance for cruises

If you’re off on a cruise holiday, we can search over 40 specialist travel insurers to help you find a policy that not only includes cover for pre-existing medical conditions, but also specifically insures you against cruise related issues that you wouldn’t normally get protection for with standard cover. 

Why buy cruise travel insurance?

Whether you’re taking a short cruise around the Mediterranean, treating yourself to a Caribbean adventure or perhaps even a luxury worldwide cruise, the cost of your holiday is unlikely to be cheap.

So, you will probably require a higher level of cancellation and curtailment cover to ensure the cost of your holiday and any pre-paid excursions can be recouped in the event of being unable to travel.

You will also want adequate medical and personal liability cover to ensure you're not out of pocket should you require medical treatment which forces the ship to dock or for you to be airlifted to the nearest hospital. 

When comparing cruise ship travel insurance quotes, it’s important to check the level of cover offered is enough to fully protect you.

Do I need cruise travel insurance?

Cruise holiday insurance is not a legal requirement.

However, many cruise ships and travel agents (especially in the UK) will require you to have adequate cover in place before allowing you to board, so having a cruise policy in place is the best way to ensure your holiday gets off to a smooth start.

What does cruise travel insurance cover?

As well as the usual benefits you would expect of standard travel insurance, adding ‘Cruise Cover’ to your policy can provide cover for:

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

How much does cruise travel insurance cost?

The cost of cruise holiday insurance varies depending on your age, health, medical conditions and the cost of your cruise, amongst other factors like duration and destination.

Another rule of thumb to bear in mind is that if you are between 35 and 59 years old, the cost of cruise insurance will be lower than if you are between the ages of 60-69. Prices can go up further for travellers above the age of 70.

Does normal travel insurance include cruise cover?

Most standard travel insurance policies do not normally include cruise cover, but many insurers will offer it as an optional add-on.

In general, you’ll always get a more comprehensive cover from a company that specifically offers cruise insurance.

This is because they will have policies built around the individual requirements of cruise ships and cruise travellers.

Compare cheap cruise holiday insurance quotes

The best way to get a great deal on your cruise travel insurance is by comparing the different deals that are available.

You can do this quickly and easily with Medical Travel Compared - it’s what we do!

When using our travel insurance comparison facility, you will be able to add ‘Cruise Cover’ when applying for both single trip travel insurance and annual travel insurance.

Due to the nature of cruise holidays, it’s likely you will be visiting several countries or destinations (or perhaps even several continents if you’re on a worldwide cruise).

As such, it’s important that you’re covered for each of your destination points, even if you are only passing through or stopping for a day.

You can use our multi-destination filter to select all the countries you will be travelling to when you apply. 

Do not underinsure your cruise!

When comparing quotes, please pay careful attention to the level of Cancellation Cover provided.

Don't be tempted to select a policy that offers a lower level of cover than what your cruise is costing, because this could invalidate your policy.

The cover limits on a policy are per insured person, so for example, if there are two of you travelling on the policy and the total of your cruise is costing £3,000, then you would need a policy that provides a minimum Cancellation Cover up to £1,500 per person. 

Frequently Asked Questions

You will need to add each country that you are visiting. If you are on a flight stopover this will include any countries where you leave the airport. If you are on a cruise it include any countries where your ship will be docking at.

No. We can search for travel insurance quotes for all ages. However, the number of annual multi-trip quotes for older travellers may be limited due to age restrictions imposed by the providers that we search. If you are unable to get an annual trip quote, try a single trip quote instead.

If you have to cancel your Cruise, your insurance provider may be able to cover the cost of your pre-booked exscurions and this will usually be up to a certain amount. We'll show you whether this is covered before you buy your policy.

Single trip cover usually can cover you for up to 45 days, but a few providers may be able to cover you for up to 94 days. If you are getting annual trip cover, there will be a maximum amount of days that you are covered for any one trip, but we'll let you know what this is for your quote!

A pre-existing condition is a diagnosed medical condition that existed prior to taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the travellers conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditons you need to declare, we have online support available to help you 24/7!


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