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Some cruise lines require the purchase of a travel insurance policy before the final payment date when charges become nonrefundable. Others require the purchase of coverage a certain number of days before departure. Read the fine print to find out the deadline to purchase and the specifics of its coverage.
Best Cruise Travel Insurance of April 2024
It’s important to choose insurance specifically designed for cruises, like WaveCare® from Berkshire Hathaway Travel Protection. WaveCare includes cruise-specific coverages that many other travel protection plans lack. Cruise travel insurance can be worth it to address your concerns about traveling and protect your investments. These policies offer numerous protections that will cover your expenses in case your trip is canceled, interrupted or delayed, or if you get sick during the trip.
Berkshire Hathaway Travel Protection
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?
What is covered by cruise insurance?
Cruise-line insurance usually offers secondary coverage (see below) and is more limited than similarly priced coverage you can buy on your own. (For example, cruise-line coverage generally doesn't cover its own financial default.) Third-party travel insurance companies offer more inclusive policies that provide more protection, and these are often the best bet. 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. You won't be able to make a claim on your cruise travel insurance policy just for a minor itinerary change.
How do I add travel insurance to my cruise?
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When it comes to buying travel insurance, don't worry if you've paid for your cruise but haven't yet purchased your airline tickets. You can estimate the airfare cost when buying your travel insurance and then give your provider your exact travel itinerary once those tickets are booked. Likewise, if you're arranging your plane tickets first, buy your travel insurance within two weeks of that purchase, and enter your full cruise fare, even if you have not purchased it or have only paid the deposit.
It’s best to do this comparison before booking your trip or as soon as possible after booking. Certain aspects of standalone travel insurance policies only apply when you buy the policy far enough in advance of your departure date. The average cost of cruise insurance is 5% to 6% of the value of your cruise vacation, which should include the cost of all prepaid, nonrefundable expenses such as flights and excursions. Compare the types of coverage you have to what standalone trip insurance policies offer. Travel insurance is likely to be more comprehensive and might cover an important risk that hadn’t occurred to you. Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port.
Travel Insurance Resources
AXA's Silver Plan is the company's entry-level offering, with more value added than most budget insurance options — most notably the company's concierge service. Coverage under this plan includes robust trip cancellation and interruption coverage, both at 100% of the costs, along with $100,000 for emergency medical evacuation. Cruisers can expect to pay between 5-10% of their insured trip costs on a comprehensive travel insurance plan. Costs and coverage limits can vary significantly from one policy to the next, so it's best to compare plans before making a purchase decision.
Baggage and Personal Effects Coverage
All five plans provide coverage for COVID-19-related trip cancellation and interruption. Walch advises all travelers booking a cruise to consider a plan that includes cancellation coverage for COVID-19. According to Walch, "You'll need a doctor saying that you have been diagnosed with COVID and specify that you are unable to travel." Our team of insurance experts compared cruise insurance rates for a variety of international trips and traveler profiles.
Essentially, the travel insurance company will assist with making arrangements to get you off the cruise ship and to an onshore hospital if your condition warrants an evacuation. Of course, there may be exclusions or exceptions due to your ship's location. But this benefit allows you to have peace of mind knowing that assistance, in an unfortunate situation, is just a phone call away, even if you are aboard a cruise ship. Cruisers will likely discover that comprehensive travel insurance plans aka 3rd party travel insurance available on InsureMyTrip will offer far more coverage options, often at a lower price.
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. 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. The coverage in many travel insurance policies will max out at 90 days, so you’ll need to look for a travel insurance plan that can provide coverage for a long trip length.
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You can buy your own cruise insurance that isn't offered directly through the cruise line operator. In fact, this could be a better option if you want coverage for your travel to the cruise's departure point, not just for the cruise itself. Some companies also offer annual plans, and we compare policies accordingly. 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. A pre-existing conditions waiver applies when you purchase coverage within 15 days of the initial trip deposit.
If you’re shopping for travel insurance for a cruise, use this guide to compare the cost and coverage of top-scoring plans. John Hancock’s Gold policy is worth checking out if you want high medical and evacuation limits. It also includes very good trip interruption, baggage and missed connection coverage.
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. No plan will meet the needs of all cruise travelers, so there is little benefit to booking the one insurance option recommended by your cruise line during the booking process other than convenience. While smooth sailing will always be the aim, cruising today is often about expecting the unexpected.
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