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Do I Need Cruise Insurance

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Do I need travel insurance?

Taking the sorts of precautions you embraced before you were vaccinated avoiding crowded indoor events and wearing a mask would be wise.

Vaccines are doing an amazing job of keeping people alive, but masks will keep people from getting infected, said Dr. Milstone of Johns Hopkins University School of Medicine.

Its also worth remembering that you need to start being extra cautious before you travel if youre infected shortly before you depart you might not test positive until youre on your trip.

Jenny Mikkelson, the vice president of Travel Beyond, a luxury safari company, has seen this happen. The day after Thanksgiving, 10 Americans flew to Cape Town from Minneapolis. All of them had tested negative in the United States. In order to fly to Botswana for their safari, they had to take another test. One traveler tested positive. A couple of days later a second American traveler who had stayed behind with that traveler also tested positive. Given the timing, it seemed likely that the first traveler had been infected back in Minneapolis, Ms. Mikkelson said. Neither developed symptoms during their quarantine in a luxury hotel, but they missed the safari. Once they both tested negative, they flew home.

Follow New York Times Travel on , and . And to receive expert tips on traveling smarter and inspiration for your next vacation.

Getting Out There

Everything is still in flux. What’s in store for travelers hitting the road and the skies during this holiday season.

Does Everyone In The Group Need Insurance

Yes … and no. It’s not strictly necessary for everyone in your group to purchase a policy, but you’ll receive more comprehensive protection if you do.

The first thing to know is that your insurance policy only protects you if you want the rest of your family or travel companions to have the same protection, then they must be added to your policy . The one exception is that some policies cover children under 17 traveling with an insured guardian at no additional charge. Check the policy’s fine print.

However, one of the most appealing aspects of travel insurance is the fact that traveling companions and family members count when it comes to covered reasons for canceling your cruise. If your travel companion falls ill and can’t make the cruise, or your aging mother is rushed to the hospital, your policy should reimburse you for canceling your trip.

Take this example: Sue and Jim are traveling together. Sue buys an insurance policy, but Jim does not. A week before the cruise, Jim gets appendicitis and must cancel his trip. Since he doesn’t have trip insurance, he forfeits all the money he’s paid to the cruise line and airline. Since Sue has insurance, she can cancel her trip and make a claim on this “event” . She can do this since her policy includes traveling companions in its cancellation coverage.

The Possible Risks On A Cruise

You can be subject to a series of unexpected mishaps while on a cruise. Some of them have been listed below.

Missing the ship This can be a common occurrence owing to multiple reasons like meeting with an accident or getting stuck in traffic end route to the port. Bad weather, missing documents or luggage, being delayed at one port and failing to reach another on time can also be various factors which can lead to you missing the ship. In case you do and have to cancel your trip, a cruise travel insurance can cover you for it.

Delay or loss of luggage Though this situation is not as prevalent as the ones at airports, luggage is still sometimes routed incorrectly even in a cruise. This can lead in a significant delay in you getting your luggage or losing your luggage completely. There is also a possibility of damage of your luggage or its contents. A comprehensive cruise travel insurance policy helps you track your missing luggage , or covers you for replacing the items you have missed and need urgently.

Medical emergency at sea Medical emergencies at sea are a common phenomenon. Most people are extremely susceptible to getting sea sickness. Apart from this, you and your family are prone to a wide array of illnesses and injuries while on the cruise. Irrespective of the cruise having a medical team or not, you must be protected against these situations. Cruise travel insurance policies provide medical coverage while you are on a holiday.

Also Check: How Much Should I Budget For An Alaskan Cruise

Does Travel Insurance Cover Me For Covid

All new travel insurance policies with us include coronavirus cover at no extra cost. This means if you get COVID-19 and need help, youll be covered as long as youve declared your pre-existing medical conditions.

However, if you still need to travel but the FCDO has advised against all but essential travel, you can still get a level of cover if there are no government restrictions in place.

Our European FCDO Travel Advice Extension add-on allows you to travel within your policy limits, but excludes any COVID-19 related claims, or the reason for Foreign Office advice against all but essential travel while youre away. Please note, government enforced bans are different from FCDO travel advice.

Make sure you keep up to date with the latest government travel advice before planning your next trip.

Be Wary Of Cruise Line Coverage

Travel Insurance

Cruise lines often ask consumers booking a cruise to buy the lines own protection at the time of purchase. But if specifics about the coverage are lacking, always ask the line for details in advance, review coverage perks and limits and then compare those to one or two independent travel insurance policies, or your credit cards insurance benefits.

Cruise line travel insurance policies sometimes have quirks. 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.

Also, financial default may not be a covered event in a cruise line-sold policy. But its typically covered with plans from third-party travel insurance companies.

Cruise line policies also can be more restrictive.

Cruise line insurance seems to have become better and has more widespread coverage than in the past, but it typically wont cover air or pre- and post-travel unless those elements are purchased through , said Debra Kerper, a Cruise Planners travel adviser from Carrollton, Texas, who books travel and sells private insurance. This is when private insurance coverage becomes so very important.

Related: The extreme measures cruise lines are taking as coronavirus spreads

Also Check: How To Get Great Deals On Cruises

What Does Travel Insurance Cover

Although every policy is different and you should read it in full before making a purchase, there are standard items that nearly every basic travel insurance policy covers.

Trip Cancellation or Interruption

If your ship experiences a major mechanical malfunction on the sailing prior to yours, necessitating the cancellation of your voyage, you would be covered under most policies.

Similarly, you would likely also be covered in the case of trip interruption, which could happen if your ship has a technical issue after your sailing has begun, requiring passengers to disembark the ship early and return home.

In the case of cancellation, your policy would help you to recover any funds that the line didn’t reimburse. In both cases, it could also help to cover costs for things like hotel stays and meals if your cruise is cancelled on short notice and you’ve already left home.


Delays happen for a number of reasons. Maybe you get a flat tire on your way to the airport and miss your flight, or perhaps a delayed flight causes you to miss your connection, and you’re late reaching the ship.

Regardless of the circumstances, your insurance policy should reimburse you, either for the cost of your missed cruise or for the expense of catching up with your vessel at its next port of call.

Unforeseen Events

There are lots of events that you don’t necessarily plan for, but which might affect your ability to sail.

Medical Costs

Lost Luggage

How Do You Find The Right Cruise Travel Insurance

We let you compare specialist policies, making it easy for you to find the right cover. You are able to compare products, prices, and additional extras to find the cruise cover that best suits your holiday.

Once you have obtained your quote, you can preview the policy wording of each provider, to help you understand exactly what is covered. You will also have access to specific policy details such as excesses and exclusions. Once you have chosen the best policy to suit your needs, you can simply purchase online. All in a matter of minutes!

Also Check: Cruises Out Of Mobile Alabama

Travel Insurance Aggregator Sites

Insurance aggregator sites can be a great way to comparison shop for cruise insurance. Much like Expedia lets you shop for the best prices on flights and hotels, insurance aggregator websites offer quotes from numerous insurance providers.

The advantage of using a travel insurance aggregator is speed and convenience. Most of us donât use travel insurance on a regular basis, so we may not be familiar with all of the available providers. Travel aggregators may include insurance companies you’ve never heard of. The site allows you to compare quotes from a variety of companies and filter the search results based on whatâs most important to you.

The aggregator website is a good starting point when comparing cruise insurance policies. But before you buy from an aggregator, try speaking directly to the insurance companies. They may offer a lower price since they wonât have to pay a commission to the aggregator website.

This table shows our sampling of a few travel insurance aggregator sites, the number of policies displayed and the cost of the lowest priced option for a sample trip. The trip details in this example were for a single man in his mid-40s traveling to Mexico for seven days from Nov. 7 through Nov. 14, 2020. He lives in Tennessee and paid $3,500 for his trip on Sept. 1, 2020.


Cruise Insurance For Health And Safety

Do you need travel insurance?

According to the Centers for Disease Control and Prevention, cruise trips pose potential health hazards and staying informed and prepared for those dangers can help travelers fully enjoy their vacations. Cruisers might encounter viral illnesses or seasickness, and respiratory illnesses are reportedly common aboard cruise ships. Chronic conditions could also unexpectedly worsen as a result of cruise-related stressors such as changes in diet or climate variations.

Cruise travel insurance can offer a unique global solution if your health insurance provider doesnt extend coverage outside of the United States. Note that Medicare, in particular, may not provide coverage internationally. If an insured experiences a sickness or injury on their trip they can utilize their cruise travel insurance plan to seek reimbursement for otherwise potentially burdensome medical expenses.

Many cruise insurance plans can also help in the event of a medical emergency. According to the Centers for Disease Control and Prevention, medical evacuations by air ambulance can cost $50,000-$100,000 and must be paid in advance by travelers who dont have insurance. Such travel insurance plans, like those offered by Generali Global Assistance, provide travelers with access to a 24/7 international emergency hotline and coverage for emergency medical evacuations.

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Also Check: Best Cruise Jobs

How To Obtain Covid

The COVID-19 travel insurance is required for entry to Thailand so you will be purchasing this before you travel. The easiest way to buy your policy is online through a reputable insurance provider. The insurance company will provide you with the all-important certificate of coverage that you will present to the authorities when you arrive in Thailand. You may also be asked to present this certificate to the airline before they will allow you onboard. Its quick and easy to do it online. You can choose your length of policy from 5, 15, 30, 60 days up to one year. Just make sure that the policy covers your entire period of stay in Thailand or you may be refused entry.

You may purchase AXA COVID-19 travel insurance within a few minutes. Check them below.

You can buy budget insurance here:

For travelers who are 75 years old and above, get your Health Insurance here:

Do You Need Special Insurance For A Cruise

Due to the unique nature of traveling by cruise ship, travel insurance is strongly recommended for all travelers. Depending on the plan, cruise travel insurance can protect against missed connections, an emergency evacuation, unexpected medical issues, baggage loss, and more.

As of July 2021, some cruise lines now recommend or require unvaccinated American passengers to show proof of valid travel insurance as a condition of boarding. InsureMyTrip offers cruise travel insurance plans that meet and/or exceed such requirements.

Recommended Reading: Expensive Cruise Lines

What Can My Travel Insurance Policy For A Cruise Holiday Include

Having travel insurance can give you peace of mind that youll be financially protected if things dont go as planned. Travel insurance for a cruise can provide cover for:

  • overseas medical and hospital expenses
  • medical evacuations at sea
  • cabin confinement due to sickness
  • cancellation costs for pre-paid travel arrangements
  • trip delays and rescheduling fees
  • missed cruise departure
  • lost, damaged or stolen luggage and personal belongings
  • additional expenses
  • 24-hour emergency assistance.

Terms, conditions, limits and exclusions apply. Be sure to check your policys Product Disclosure Statement .

Does Cruise Ship Travel Insurance Cover Pre

Trips with Angie Blog : Do I need travel insurance?

Many cruise passengers are older people with the time to sail around exploring the world at their leisure, so cruise insurance providers are used to accommodating travellers with pre-existing health problems.

While treatment relating to undisclosed pre-existing medical conditions is often excluded by cruise insurance providers, you can therefore get cover for most conditions as long as you are upfront about them.

Medical conditions you should always disclose when taking out cruise insurance include:

  • diabetes
  • heart disease
  • cancer.

If youre unsure whether or not a condition needs to be disclosed, the best policy is to tell your insurer about it anyway it could save you thousands of pounds if you need related care while youre away.

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What About Insurance Sold By Cruise Lines

When buying a cruise, youll no doubt be offered an option to purchase a type of insurance from the cruise line. This coverage takes on many different names. You might have seen one of the following if youve already bought your cruise:

  • Carnival Vacation Protection
  • Norwegian Cruise Lines Booksafe Travel Protection Plan
  • Celebrity CruiseCare Travel Insurance Program

These plans are quite popular because of their ability to be sold right alongside the cruise. However, that doesnt automatically make them a good purchase. While convenient, these plans often offer much lower coverage rates than traditional travel insurance, for a similar price. The one advantage that cruise line plans have is that they typically offer cancel for any reason coverage.

Royal Caribbeans plan, for example, will reimburse you 75% of what youve paid for your cruise if you cancel for any reason. Regular travel insurance also has this sort of feature, but its typically an additional add-on .

For these reasons, we suggest sticking with traditional travel insurance from a third-party instead of the policies offered by cruise lines.

Why Do You Need Cover For Your Pre

It is important to declare all pre-existing medical conditions on your travel insurance policy in order to make sure that you are covered for the condition.

If you should require medical assistance on your cruise, without comprehensive cover which includes your pre-existing condition, it could be a very costly experience.

Did you know around 52% of all claim costs are for medical expenses? On average a British holidaymaker needs emergency medical treatment abroad every 3 minutes.

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Should I Buy Cruise Insurance

If you want to have some peace of mind on your trip, then yes. However, the vast majority of cruise passengers will never use their insurance.

The problem is that for issues that do come up, the expenses can be large and unknown. For instance, there is no price list of having to be evacuated medically from a cruise ship. The cruise insurance offers valuable peace of mind.

If you do decide to purchase, we highly suggest that you shop around for prices and also read your plan carefully . And while every cruise line strongly recommends purchasing some sort of insurance for your cruise, we dont recommend purchasing insurance offered through them, as traditional plans offer better coverage for a similar price.

Why Do You Need Specialist Cruise Travel Insurance

Why Do You Need Travel Insurance?

A cruise can be a unique holiday, specialist cruise travel insurance covers you for the specific cruise-related events that may occur, and that a standard policy may not include.

Specialist cruise travel insurance can include the following cover:

  • Cabin confinement
  • Unused excursions
  • Missed port departure

Please refer to your specific policy wording for full details of the cover available.

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What Is The Best Cruise Insurance

The best cruise insurance will accept claims for its standard features while the policyholder is on a cruise and offer cruise-specific features such as missed port departure and compensation if youre confined to a cabin.

Its difficult to name one company as the best because theyll offer different cover levels and these levels will be appropriate for different people, for example, someone in their thirties may decide they dont need the highest levels for a river cruise in Europe.

Independent financial review service Defaqto lists more than a dozen companies with five star annual and single-trip cruise cover. These include LV=, Staysure and

Some of the companies on our list of the best travel insurance companies also offer cruise cover.

Cruise and package holiday companies may offer their own cover but its worth checking how their cover levels compare to insurers. In the US, Carnival is one of the biggest companies and it offers its own insurance.

If you have travel insurance through a bank account or credit card you should check whether it covers cruises.

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