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.

What is cruise travel insurance?

Cruise travel insurance is additional cover for cruise holidays - and it can be added on to a single trip or annual multi-trip policy if required. 

This means that if you’re embarking on a cruise, 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.

It’s all fairly self-explanatory, but if you’re curious to get fully up to speed with all things concerned with cruise travel insurance - you’ve certainly come to the right place!

Why do you need cruise travel insurance?

Although cruise holiday insurance is not a legal requirement, 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.

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, for starters - you will probably require a higher level of cancellation and curtailment (which means having to end your trip early)  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.

What does cruise-specific 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

What are the different levels of cruise travel insurance cover?

Broadly speaking, coverage can vary - and the level you choose might normally be dictated by the cost of your cruise.

Therefore, when comparing quotes, please pay careful attention to the level of cancellation cover provided, especially - as the last thing you want to do is underinsure your cruise. 

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 altogether.

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.

Optional extras

In addition to cruise cover, there are also other optional extras you could add to your policy. 

Gadget cover is there for all your electronic devices, and if you’re swapping the ship for a pair of ski boots at any point during your cruise - you might want to consider winter sports cover, too.

Can I get cruise insurance if I have a pre-existing medical condition?

Yes - you can declare your pre-existing conditions. 

This enables us to help you compare the most suitable quotes for cruise travel insurance - including cover for any conditions you’ve been diagnosed with. 

We’ll also ask you a few questions in order to get a better understanding of the nature of your condition. This helps travel insurance providers work out the type of medical coverage you’ll need, for instance.

Compare deals and get the best cruise holiday cover

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 quick and simple online comparison tool, 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’ll be travelling to when you apply. For single trip quotes, you can add all of the countries you’re visiting. For annual multi trip quotes, you just need to make sure that you’re countries are covered.

Get a quote

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 includes 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 excursions 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 before 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 traveller's conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!

* Price is based on 1 traveller aged 61, with no medical conditions and is travelling to Spain for 7 nights with cruise cover. Price is correct as of December 2019. Prices may vary according to your individual requirements.


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