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In addition, look for coverage if you get sick and need to isolate away from home. "Some plans offer additional trip delay coverage, put in place as a result of needing additional or higher limits for instances that might include if the policyholder gets quarantined in a location," Sandberg adds. You'll want to be reimbursed if an unexpected event forces you to cancel your cruise. Be sure to read the fine print of your policy, detailing which specific reasons for canceling your trip are covered and not covered.
Compare and Buy Cruise Travel Insurance
If your excursions are included in the cruise cost, you would simply insure the cruise trip cost. Trip cancellation insurance reimburses you 100% for the pre-paid and non-refundable deposits you lose if you have to cancel for a reason covered by the policy. You can buy cruise insurance from your cruise line, through a travel agent or from a travel insurance agent or company.
How much will cruise travel insurance cost?
You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical. The best travel insurance plans will provide flexibility to add coverage options to fit your travels needs. We were quoted $100.50 for a 55-year-old cruising Alaska for John Hancock Insurance Agency’s Silver plan, which reimburses up to 75% of your trip cost under Cancel for Any Reason coverage. It also offers coverage for COVID-19 medical and cancellation, trip cancellation and interruption, and medical expenses and evacuation with primary coverage.
Existing Insurance Coverage
And if you suffer a medical crisis on board, travel insurance can cover your evacuation and emergency medical care. 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). Itinerary changes that cause you to miss a pre-paid excursion are covered by up to $250. With early purchase benefits and optional add-on coverages, you can customize the plan and coverages you need for your cruise vacation. "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." Cutting a trip short for reasons that aren’t listed in the policy aren’t covered, unless you have already purchased “interruption for any reason” travel insurance.
Car rental collision coverage is available for just over $13 per day and the option to name someone outside your family as a family member for coverage purposes is under $5. Some companies offer an add-on that upgrades the amount of medical coverage and/or lowers your deductible. You agree to those things in your purchase contract with the cruise line. Also, in some cases, the cruise line may only return you to your original port of departure, which then may necessitate additional transportation from there to your home.
Note that the premiums and policy structures advertised for cruise insurance companies are subject to fluctuate in accordance with the company's policies. This lets you take advantage of the protections sooner and qualify for certain benefits such as pre-existing condition waivers. Trip cancellations are covered for 100% of the trip cost (up to a max of $150,000) and trip interruptions are covered for 150% of the trip cost (up to a max of $225,000). This plan covers baggage delays of more than 12 hours for up to $600 and covers lost, damaged or stolen bags or personal items for up to $300 per item ($2,500 maximum). It also has missed cruise connection coverage of $150 per day for accommodations and meals ($1,500 maximum).
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Cruise insurance is especially important to consider when booking a cruise because of the unique multi-leg nature of traveling by cruise ship. Depending on the plan, cruise travel insurance can protect you if you miss a leg of your trip or have an emergency evacuation from the sea. When traveling abroad by ship, cruise trip insurance can cover you for unexpected medical issues. We invite you to get a personalized insurance quote for your cruise and compare the available plans.
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If you are departing from the east coast or are cruising during hurricane season, this coverage is a must-have. If you’re not covered by your credit card, cruise travel insurance can be worth the added cost. It will give you peace of mind before setting sail, when signing up for that adventurous land excursion and when clicking "Book" for an expensive vacation in the COVID travel landscape. As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage.
Such a policy can help pay for unexpected events, from trip cancellations to emergency medical expenses and everything in between. Our top-scoring cruise travel insurance plans do not have a deductible for any type of coverage, including travel medical insurance. 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. You can buy cruise insurance from the cruise line when you book, or a travel agent may offer cruise insurance plans.
Whether it’s your first voyage or you’re a cruise veteran, having the right travel insurance is important. This is especially true if you’re a senior traveler who wants a high level of medical coverage while traveling. AXA’s Platinum plan hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including non-medical evacuation coverage and baggage insurance. 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. A cruise vacation can take much of the stress out of planning a vacation.
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. Below you’ll see examples of cruise insurance costs for the best cruise insurance policies. Deciding if you want to protect your trip probably depends on your budget.
You’ll need to cancel your trip at least 48 hours before your scheduled departure to file a successful CFAR claim. While cruise ships have medical facilities, they're usually not equipped to treat serious illnesses. If you experience a serious medical problem on a vessel, you may have to get off the ship in a foreign port to seek treatment at a hospital. In such a case, if you don't have medical evacuation insurance, you may then find yourself stranded in that port awaiting a medical evacuation.
The company allows you to buy coverage for up to 180 days, and you can extend your policy mid-trip. Nationwide didn’t make the cut because CFAR is only available if you choose the Luxury plan, meaning that you will need to purchase the most expensive plan to include this add-on to your travel insurance for a cruise. Also, the medical coverage you get is secondary to your existing health insurance policy, and dental coverage is limited to $750 for all three plans. This coverage reimburses you for as much as 150% of your prepaid, unused, nonrefundable trip expenses (sometimes even more) if you need to change your plans after departure for a reason your policy covers. Maybe you get sick at your destination and can’t enjoy the last two days of your itinerary and have to change your flight.
The average cost of cruise insurance is $457 per trip, based on Forbes Advisor’s analysis of rates for 37 cruise travel insurance plans. If you have pre-existing medical conditions, make sure that your insurance covers medical treatment for those conditions. If you’re looking to buy travel insurance that includes pre-existing conditions, time is of the essence. Depending on the insurer, you need to buy coverage within 15 days of booking your trip. Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage.
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