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We examined cruise insurance prices for a seven-day trip in February 2023 from the U.S. to Mexico. The example traveler was 35 years old, from Georgia, and planned to spend $2,500 on the trip, including airfare. Travel insurance for cruises can provide coverage for a number of problems, including hurricane disruptions and medical emergencies at sea that may require you to be evacuated from the ship or port.
BEST FOR BAGGAGE
This is different from the “cancel for any reason” travel insurance upgrade. We like Seven Corners’ Trip Protection Choice plan because it has superior travel medical expenses and evacuation benefits. It also provides great upgrade options and benefits across the board. The Travel Guard Deluxe plan impressed us with its optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades.
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If your shore excursions are pricey, insure the nonrefundable deposits for the excursions and the cruise. If your excursions are included in the cruise cost, you would simply insure the cruise trip cost. We have more than 100k customer reviews from real travelers which help to filter our plans, ensuring the provider rating is taken into account when making recommendations. Our licensed travel insurance agents are open and honest with every traveler to help you find the best plan for your trip.
Does the Travel Insurance Provided by my Credit Card Cover My Cruise?
For shorter cruises, the Preferred Plan may have all the coverage you need. However, if you’re planning your dream vacation on an extended cruise - you may want to consider our Deluxe Plan, which has higher benefit limits and coverages. Seven Corners offers a standard Trip Protection Economy plan and a more premium Trip Protection Elite plan. 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.
Types of Cruise Insurance Coverage
The policy also offers detailed, robust COVID-19 coverage, including reimbursement for medical care if you contract COVID-19 while traveling. Its coverage also includes meals, local transportation and lodging if you're delayed six or more consecutive hours due to quarantining with COVID-19. John Hancock's Gold Plan offers robust medical evacuation and repatriation coverage up to $1 million per person, ideal for those luxury cruises that rove to the farthest reaches of the globe. The plan has excellent baggage loss coverage at up to $2,500 per person, along with a low three-hour minimum travel delay ($1,000 per person, $200 daily limit) benefit. A cancel-for-any-reason optional upgrade offers the most flexibility. You can get a refund of up to 75% if you cancel your voyage for reasons not usually covered by travel insurance.
The findings suggest that cruisers should review the travel insurance coverage advertised by their cruise line to understand what exactly it covers — and what it doesn’t. You can buy medical travel insurance to cover your medical expenses on a cruise, offering coverage such as medical emergencies, illnesses, and injuries. While these coverage types are common among cruise insurance policies, checking the terms and conditions to confirm all coverage areas is a good idea. Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port.
No coverage for pre-existing conditions that fall within 60 days of your policy's start date. Our partners cannot pay us to guarantee favorable reviews of their products or services. Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs. Review your policy to be sure the plan you’re buying will cover your adventurous fun. If it doesn’t, ask about an adventure sports add-on, or consider a company such as World Nomads that caters to the adventurous traveler.
Concerns About Covid and Variants
Alternatively, you can purchase travel insurance directly from travel insurance agencies. 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. Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs. There are various types of coverage, each tailored to protect different aspects of your cruise experience. At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage.
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Standalone policies tend to be more comprehensive and offer more coverage. You’ll pay for these benefits, of course, but the cost may be worth it. To determine the best cruise insurance plans, CNBC Select analyzed the offerings of 19 insurance companies and compared them based on various factors.
These policies are available at a variety of price points to meet a traveler's budget. When comparing policy options, you can balance price versus coverage options. AXA Assistance USA’s Platinum offers $1 million in emergency medical evacuation coverage, $250,000 in emergency medical coverage and has a high per-person limit for baggage and personal items loss. Some health insurance policies offer limited coverage on cruises, but coverage often depends on where you’re cruising and your planned activities. 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.
Essentially, the travel insurance company will assist with making arrangements to get you off the cruise ship and to an onshore hospital if your condition warrants an evacuation. 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. Cruise insurance covers you for sudden illnesses, travel delays, and more, offering financial protection so you’re safeguarded against uncertainties. Whether you get cruise insurance from the cruise line or third–party insurance providers, understand your coverage and how it protects your investment in cruise travel.
If you're booking a cruise, we recommend purchasing travel insurance when you make your first trip payment. That could be for the cruise itself or an expense like airfare to get you to your cruising destination. This way, if you have to cancel your trip, you'll have the most extended coverage period possible. If you want to buy a policy beyond what is already offered by your credit card, start with an aggregator site like Insure My Trip that compares several policies based on the criteria you choose. All of these things can affect the price of a policy that you purchase. There are many providers of travel insurance, and often, cruise companies will recommend a partner when making a reservation.
Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert. Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. If you were referred by a travel agent, enter the ACCAM number provided by your agent. We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction. We also look at customer review sites like Trustpilot and SquareMouth.
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