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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. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out.
Pre-existing conditions exclusion waiver
You won't find a lower price anywhere else for a specific plan found here. Plus, we only work with top rated providers and will remove their plans if their rating on our site drops below 4 out of 5 stars. Erica Lamberg is a personal finance and travel writer based in suburban Philadelphia.
“Interruption for any reason” (IFAR)
Cruise lines often ask consumers booking a cruise to buy the line's own protection at the time of purchase. Cruisers can have different and unique travel needs compared to traditional travelers. “Passengers should find a travel insurance policy that offers cruise-specific coverage,” Walch advises. Look for a policy that will cover returning home early (for example, because of an injury), shipboard service disruption, pre-paid excursion reimbursement, and missed connections. For the best coverage, Squaremouth recommends comprehensive travel insurance plans that include at least $100,000 in Emergency Medical coverage and at least $250,000 in Medical Evacuation coverage. Those with pre-existing medical conditions should also consider plans that offer Pre-Existing Condition waivers.
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When to Purchase Cruise Insurance
Travelers on international cruises with primary Medicare insurance should be particularly concerned with this type of benefit, as Medicare does not traditionally cover any kind of medical care outside of the United States. 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. 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.
For the luxury cruise traveler: John Hancock's Gold Plan
In this case, the Missed Connection benefit would not be able to apply. Be sure to review the policies and understand the restrictions for your specific cruise line before purchasing insurance. Losing personal documents, such as passports, is indeed a possibility when on a cruise.
Best Cruise Insurance Plans Of April 2024
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points. Get the latest travel tips, crucial news, flight & hotel deal alerts... If you were referred by a travel agent, enter the ACCAM number provided by your agent. Coverage options on the plan may vary slightly depending on which U.S. state you claim as your residence. Opinions are our own, but compensation and in-depth research may determine where and how companies appear.
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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. If you're traveling multiple times within a short period of time, it may be more economical to buy a more comprehensive travel insurance policy instead of separate policies for each trip. Although large vessels provide medical facilities, they usually don’t have adequate personnel and equipment to treat serious wounds or illnesses.
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. 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.
Best for Preexisting Conditions: AIG Travel Guard
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. 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. 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.
Remember, not all comprehensive travel insurance plans will have these benefits. While they can be beneficial to most cruisers, there may be some coverage limitations as well as eligibility requirements. We always recommend contacting our Customer Care Team to answer any questions you may have on the coverage and plans prior to purchase. "If you fall ill or are injured during the trip, it can be pretty expensive – even when going to the ship's onboard medical facility." Buying cruise insurance within the first two weeks or so of making your first trip deposit also qualifies you for additional coverage. This can include a pre-existing medical condition exclusion waiver or a “cancel for any reason” travel insurance (CFAR) upgrade, depending on the policy.
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. 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. Cruise insurance policies vary widely, and not every policy covers every type of mishap.
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. InsureMyTrip researchers evaluated popular cruise lines and found while many plans offer basic travel insurance perks, few offer robust trip cancellation insurance or expansive emergency medical care coverage.
Read our guide to the best credit cards for travel insurance coverage and protection. 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 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.
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