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This service costs tens of thousands of dollars, and your regular health insurance generally won’t cover this. Atlas Journey Premier also makes our rating of the best cruise travel insurance with 4.5 stars — if you’re willing to pay a little extra you can get $150,000 in primary medical coverage with this plan. The average price of each company’s most basic coverage plan was $124. These policies didn't include optional add-ons, such as Cancel for Any Reason coverage or coverage for pre-existing medical conditions. Even if you only plan to cruise once in a year, it could be worth taking out an annual cruise travel insurance policy.
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If you struggle to get affordable cover because of your age or medical history, then you might then want to look for specialist providers. Missing one port happens from time to time, but missing two is very unlikely, so it wouldn’t be worth it. If you have any more questions relating to cruise holiday insurance, ask us on Twitter or Facebook and we’ll do our best to help. Opinions are our own, but compensation and in-depth research may determine where and how companies appear. "For people traveling internationally, it's crucial to know beforehand where to go for any treatment … and how they're going to pay for that treatment," Page said. 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.
Emergency medical expenses
The full trip cost (100%) is covered for both cancellations and interruptions. Preexisting medical conditions are covered by this policy, though you must purchase your policy within 14 days of your trip deposit. 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." You don’t need a travel insurance plan that’s specifically for cruises.
How to Find the Best Deals on Cruise Insurance
Seven Corners' RoundTrip Choice Plan offers primary medical coverage for emergency accident and sickness medical expenses up to $500,000, while many other plans only offer secondary coverage. World Nomads Travel Insurance didn’t make the cut because the company pushes its Explorer policy more than the Standard policy, which makes it more suitable for adventure travel rather than general cruising. Also, if you are a senior traveler of 70 years or more, you must include the Silver Nomads add-on to your policy, which may push your cost of cruise insurance upward unnecessarily. Whether you’re taking a cruise domestically or internationally, one way of giving yourself peace of mind while out on the open water is by having the best cruise travel insurance.
Beyond cancellation and interruption, many policies often cover the medical expenses you may incur while on the ship. These may include the cost of treatment and, if necessary, evacuation to a medical facility or back home. Both of these plans include up to 75% optional CFAR coverage, 75% optional trip interruption-for-any-reason (IFAR) coverage, missed tour or cruise connection compensation and emergency dental protection. You can buy medical travel insurance to cover your medical expenses on a cruise, offering coverage such as medical emergencies, illnesses, and injuries. Read our guide to the best credit cards for travel insurance coverage and protection. Because cruises are often less flexible than other types of travel, it’s generally a good idea to get cruise travel insurance.
How do I add travel insurance to my cruise?
Check with your insurance provider about coverage before you depart on your cruise. Find out if supplemental cruise insurance is available if you want to use your existing health insurance coverage. 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. Many credit cards provide sufficient travel protection that can help you in the event of a delay or cancellation.
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Cruise insurance is more expensive than regular travel insurance
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Such a policy can help pay for unexpected events, from trip cancellations to emergency medical expenses and everything in between. 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. It covers trip cancellation and interruption, medical expenses, medical evacuation, and adventure sports with some exclusions, such as diving and adventure races. You can also get reimbursed if your trip is canceled or interrupted because of terrorism (foreign or domestic) or financial default of the travel provider (14-day waiting period applies).
Best Cruise Travel Insurance for Young Travelers: Aegis
So before you set sail on your next adventure, take the time to research and consider purchasing travel insurance. There are a variety of cruise insurance policies available to suit your budget and your needs. Our Choice Cruise Plan can offer flexible and affordable coverage for trip cancellations, itinerary changes, medical emergencies and more. For more complex cruise itineraries, our Luxury Cruise Plan offers the highest level of benefits. Cruises are typically covered under travel insurance, so you don’t necessarily have to buy specialized cruise insurance, such as coverage from the cruise line. Travel insurance can cover trip cancellations and interruptions, medical emergencies, lost luggage, and more on your cruise trip.
That's why it always pays to read the fine print in a travel insurance policy before you purchase it to know what you're getting in advance. This means if you have your heart set on visiting a particular place, but it gets cut from the itinerary (a common occurrence due to weather conditions), you would receive some form of compensation. Not all plans include this, and for certain trips with a popular port (like visiting Alexandria, Egypt, to drive to the Pyramids), it may be wise to check if you are covered. 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.
Therefore, it will take into account factors such as medical expenses potentially being greater when you’re at sea. Not to mention the fact that in some extreme cases, if you’re at sea and you need to be taken to hospital, the method for doing so is not as simple as calling an ambulance. TravelSafe provides optional add-ons, such as an extended personal protection package, additional death and dismemberment coverage and rental car damage.
This way, if you have to cancel your trip, you'll have the most extended coverage period possible. Following extensive research scouring the fine print, we've selected five of the best cruise insurance plans that will appeal to a variety of seagoing travelers. Insurance pricing is dependent on the trip cost and the age of the insured travelers. Sandberg estimates that "travelers in their 30s or 40s can ballpark insurance coverage somewhere around 5% to 7% of the trip costs, with rates that can get lower depending on the extent of coverage." Travel medical insurance can cover medical expenses you incur while on and off the ship.
The Gold Plan has most of the same types of coverage with higher reimbursement limits. Meanwhile, the Platinum Plan is for anyone who prefers premium benefits, such as cancel-for-any-reason coverage. This plan's coverage includes an impressive $1 million per person for medical evacuation and a high $2,500 coverage limit for bag loss. You have extra time – 21 days – from your initial deposit to add a cancel-for-any-reason upgrade to your plan. The accident and sickness medical coverage is primary, with coverage up to $100,000.
Or, maybe you fall ill during the cruise and need emergency medical attention. Maybe your flight to your ship gets canceled, and you miss the vessel's departure. Or your ship is late arriving in port at the end of a voyage, and you miss your flight home. While these coverage types are common among cruise insurance policies, checking the terms and conditions to confirm all coverage areas is a good idea. Keep a lookout for deals, but remember, the cheapest option isn't always the best.
Trip interruption insurance can cover the cost of a last-minute, one-way economy ticket to get you home. By purchasing the right plan, you can rest assured that you’ll be well taken care of should any unforeseen circumstances arise. Plus, with affordable options available, there’s no reason not to invest in this added layer of protection for your well-deserved getaway.
A cruise is an ideal vacation for anyone who likes the all-inclusive concept, where you pay one price and have just about everything taken care of, from accommodations to meals and activities. You could have a flight delay that causes you to miss your departure or be unable to sail because of a sickness. In these situations, cruise insurance can reimburse you for prepaid and non-refundable expenses. In addition, look for coverage if you get sick and need to isolate away from home. Cruise insurance is worth it if you don’t want to risk losing the non-refundable money you invested in your trip if the unexpected happens. Cruise insurance can pay for you to rejoin the cruise if you can’t board on time because of an issue covered by the policy, such as severe weather.
Bookmark these resources to help you make smart money moves as you shop for cruise travel insurance. Travel Guard by AIG offers a basic Essential plan for $133, just a little higher than average, but adding coverage may raise that price. Cruise insurance isn’t much different than traditional travel insurance. Any good travel insurance should cover cruises in addition to travel by air or car. The company is rated A from AM Best, which means that it has an excellent ability to pay out claims and meet its financial obligations. Cruise insurance isn't for every traveler — or even for every sailing.
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