Best Cruise Travel Insurance

Take a mental snapshot of an American on vacation, and you may imagine them on a cruise. The cruise industry is, in fact, booming. Companies such as Royal Caribbean and Carnival are posting record earnings. Travelers are enjoying more destinations, greater amenities, and more choices than ever before.

If your upcoming travel plans include a cruise, you owe it to yourself to consider travel insurance. These are costly trips, and they’re often complex, with multiple legs of travel and international destinations. Insurance can provide peace of mind that, should your travel experience include some hiccups, your wallet won’t take too much of a hit.

Our recommendations

Best for spontaneous travelers: AIG Travel Guard

AIG Travel Guard

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AIG Travel Guard

Policy cost

$204

Unique offerings

Offers “Pack N’ Go” plan for spontaneous travelers

Trip cancellation

100% of trip cost

Trip interruption

100% of trip cost

Medical expense

$15,000

Why we like it: AIG offers multiple travel insurance options suitable for cruises. Its Essential plan provides a competitive 100% reimbursement of travel costs for trip cancellation or interruption, along with $15,000 of medical expense coverage. And if you decide at the last minute to book a cruise, AIG Travel Guard might be the policy for you. Its “Pack N’ Go” plan helps you save by eliminating trip cancellation coverage. You do enjoy the security of 100% reimbursement for trip interruption, $15,000 of medical coverage, and up to $500 for missed connections.

Best for annual plans: Allianz Travel

Allianz Travel Insurance

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Allianz Travel Insurance

Policy cost

$524

Unique offerings

Offers a wide range of plans, including annual plans for those who travel frequently

Trip cancellation

Up to $10,000

Trip interruption

Up to $10,000

Medical expense

$10,000

Why we like it: If you’re planning multiple trips (including one or more cruises) in the coming year, you might want to look into an annual travel insurance plan. Allianz Travel could be a good choice for that. The company offers a wide range of travel insurance options, including three levels of an annual plan. Its Basic annual plan includes $20,000 of emergency medical, $100,000 of medical transport, and $600 of travel delay coverage.

Best for ease of use: Freely

Freely Travel Insurance

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Freely Travel Insurance

Fees

$138

Description

Easy to use app; inexpensive “Essential” plan that can be customized with upgrades

Am rating

100% of trip cost (available as an optional coverage)

Bonus rewards

150% of trip cost

Loan amount

$500,000

Why we like it: What sets Freely apart is its ease of use, particularly its app. This easy-to-navigate interface offers fast quotes and all the information you need at your fingertips. You can even use the app to add coverages while you travel. So if you wake up and decide you do want to try bungee jumping in one of your ports of call, you can add the optional “Adventure Activity” coverage with just a few taps of your screen. And you can pay for some of these coverages per day, so you don’t have to worry about buying protection you don’t need.

Best for concierge services: Generali

Generali Global Assistance

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Generali Global Assistance

Policy cost

$449

Unique offerings

Concierge offers pre-trip support for sightseeing, activities, airlines, etc.

Trip cancellation

100% of trip cost

Trip interruption

125% of trip cost

Medical expense

$50,000

Why we like it: Generali has three travel insurance plans. Its standard plan provides a generous $50,000 of medical expense coverage on top of 100% reimbursement for trip cancellation and 125% reimbursement for trip interruption. What sets the company apart, however, is its concierge service. Customers can contact Generali for assistance with their travel plans, including sightseeing, air travel, and hotel reservations.

Best for cruise-specific plans: Nationwide

Nationwide Travel Insurance

Nationwide Travel Insurance

Policy cost

$440

Unique offerings

Offers multiple cruise-specific plans

Trip cancellation

100% of trip cost

Trip interruption

125% of trip cost

Medical expense

$75,000

Why we like it: Choosing a cruise-specific insurance plan means you get a set of coverages that you know provide the protection you need while on your vacation. Nationwide offers not just one, but multiple levels of cruise travel plans. Its Universal level (which is the entry-level plan) provides 100% reimbursement for trip cancellation, $75,000 medical expense coverage, $500 for missed connections, and $1,500 for lost or stolen luggage.

Best for medical expense coverage: Seven Corners

Seven Corners

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Seven Corners

Policy cost

$574

Unique offerings

Highest medical expense limits

Trip cancellation

100% of trip cost

Trip interruption

100% of trip cost

Medical expense

$100,000

Why we like it: Having adequate medical coverage is crucial when you’re on a cruise. While your personal health insurance may cover you for many domestic travel situations, it may exclude incidents that happen on board a ship or at an international port of call. Those looking to maximize their medical coverage should check Seven Corners. Its Basic plan includes up to $100,000 worth of medical expense coverage, along with up to $250,000 for medical evacuation.

Best for basic plans: Travelex

Travelex Travel Insurance

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Travelex Travel Insurance

Policy cost

$316

Unique offerings

Solid plan with available upgrades

Trip cancellation

100% of trip cost

Trip interruption

100% of trip cost

Medical expense

$15,000

Why we like it: Travelex does not have cruise-specific insurance plans in its line up. But it does offer multiple packages plus options allowing you to customize coverage. And it might be a good choice for someone looking for an affordable travel insurance plan for a cruise. The company has been in business for more than 25 years, and in 2016 became a subsidiary of the Zurich Insurance Group, one of the world’s largest multinational insurers.

Comparison of the best cruise travel insurance companies

Methodology

We reviewed travel insurance plans from several leading providers. While most of these providers offer multiple plans, our study focused on each company’s most economical offering. We noted coverage levels, and options that would make each company appealing for a traveler preparing for a cruise. Our policy cost information is based on actual quotes for a family of four (two adults, two children) on a seven-day trip to the U.S. Virgin Islands, at a total trip cost of $10,000.

How to choose a travel insurance company for a cruise

The good news is that when it comes to travel insurance, you have many choices. The bad news is that, well, you have many choices—and it can be difficult to sort through all of them. So, when looking for coverage for an upcoming trip, start by considering the following:

You may already have some coverage

If you use a credit card to pay for your trip, check to see if it includes some travel insurance. The Chase Sapphire Preferred and Reserve cards, for example, provide trip cancellation, trip interruption, and other coverages.

Some companies offer cruise-specific coverage

While a cruise-specific plan is not really necessary, it may make getting the coverage you need much easier. Berkshire Hathaway’s cruise insurance plan includes specific coverages such as cruise disablement and diversion that anticipate some of the potential problems that are unique to a vacation at sea.

Your medical insurance may exclude cruise travel

Your private medical insurance plan may be very limited when it comes to being on a cruise. It’s rare, for instance, for medical insurance to include incidents that happen outside of the United States. You’ll want to understand what your plan does and doesn’t cover, and consider this when choosing your travel insurance medical coverage.

Look for optional coverages that fit your needs

Our review has focused on companies’ most economical travel insurance plans. But be aware that many companies offer optional coverages that allow you to customize your cruise travel insurance policy to your specific needs. These options may include adventure sports coverage, rental car coverage, or cancel-for-any-reason coverage.

Shop around

As our review shows, the cost of a policy varies among insurance companies. Be sure to shop around to get the best combination of coverage and price. All of the cruise travel insurance companies in our review offer fast online quotes.

You can also use services such as Travelinsurance.com or Squaremouth. They make comparison shopping easy by allowing you to get quotes from multiple travel insurance companies.

Which factors determine the cost of travel insurance for a cruise?

Several factors affect the amount you pay for travel insurance for a cruise. These include the following:

• Traveler age: According to insurer Berkshire Hathaway, older travelers are more likely to cancel their trip and file a claim.
• Number of travelers: While a single policy can cover multiple travelers, those additional travelers will drive the cost of the policy.
• Trip cost: Expensive cruises cost more to insure than cheaper cruises.
• Trip length: A longer cruise costs more to insure than a shorter cruise.
• Plan and coverage options: A basic plan with minimal coverage levels and no optional coverages will cost less than a “deluxe” plan with higher amounts of coverage and options such as “cancel for any reason.”

TIME Stamp: Protect your cruise investment with travel insurance

A cruise can be a once-in-a-lifetime experience. It can also be a costly and complex trip that can set you back financially if something goes wrong. You can protect your vacation investment with cruise travel insurance. Many companies offer travel insurance that is reasonably priced and that provides peace of mind so you can enjoy your vacation.

Frequently Asked Questions (FAQs)

What insurance is best for a cruise?

The best travel insurance for a cruise will depend on your needs and budget. Our review covers travel insurance from several providers. Each offers multiple plans and coverage options at different price points, with some offering cruise-specific insurance plans.

Do I need extra travel insurance for a cruise?

Cruises are often complex trips requiring a significant financial outlay. A snag in your travel plans could result in losing any nonrefundable payments. Your credit card might provide some travel insurance. But if that’s not enough to cover those nonrefundable payments, you should consider buying extra travel insurance.

When should I buy trip insurance for a cruise?

There are advantages to buying travel insurance long before you leave on a cruise, and advantages to buying it shortly before you leave. Buying well before means you have time to investigate plans thoroughly. Buying shortly before you leave means you may know more details about your trip, such as the weather.

Does travel insurance cover cancellation of a cruise?

If a cruise line cancels a cruise, it typically offers passengers a refund, according to USA Today. It may also reimburse for any related travel expenses, such as airfare.

Travel insurance primarily covers situations in which you decide to cancel—for example, if you get sick prior to departure or have a death in the family. It provides reimbursement for expenses that are not refundable. Some plans do, however, offer limited coverage for delays or cancellations that are the fault of the cruise operator.