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We recommend this policy if you’re looking for a lower price and don’t need the higher coverage amounts provided by the Deluxe plan. The Preferred plan provides $50,000 for medical expenses and $500,000 for medical evacuation benefits per person. Most cruise companies will offer a single travel insurance policy choice to their customers. Many cruisers find that these plans can be more expensive and offer less coverage than plans that we offer, which is why comparing your options makes a lot of sense if you are going on a cruise. For starters, policies often will reimburse you for the cost of canceling a cruise due to a last-minute crisis.
The 5 best cruise travel insurance plans
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This may include cancellations, trip delays, and missed connections that occur as you reach your ship. Compare cruise insurance plans from top providers that offer cancellation, medical, and delay coverage. 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.
Medical Evacuation Services
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. 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. However, it adds about 40% to your premium and can only be purchased within a limited window of time after your cruise purchase. For example, you could make a “cancel for any reason” claim if you’re worried about being seasick—a reason not covered by standard trip cancellation insurance.
What to consider if you buy a separate cruise travel insurance policy
It provides coverage for over 200 activities, including skydiving, scuba diving and bungee jumping. The company allows you to buy coverage for up to 180 days, and you can extend your policy mid-trip. Not all travel insurance policies are the same, and you need to know which type you're buying, in addition to specific coverages. Just about every cruise line on the planet offers its own travel protection program, but it might not be the comprehensive policy you desire. For travelers concerned with cancellation, Cancel For Any Reason (CFAR) offers the most trip cancellation flexibility and is the only option available to cover fear of travel.
Compare and Buy Cruise Travel Insurance
In fact, this could be a better option if you want coverage for your travel to the cruise's departure point, not just for the cruise itself. Some companies also offer annual plans, and we compare policies accordingly. Medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances. What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise.
How We Chose the Best Cruise Travel Insurance
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. Medical evacuation travel insurance covers the costs to get you to the nearest adequate medical facility or even back home if it’s medically required.
Additional Types of Travel Insurance for Cruises
Understand the importance of cruise travel insurance plans for your next vacation and make sure you’re covered with the right Travel Guard plan. Travel Insured Worldwide Trip Protector travel insurance offers $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. Before buying this coverage, compare your options against your credit card benefits. You might also shop for general travel insurance policies to see if you can get a better deal than what’s offered through your cruise line. The Travel Guard Preferred plan also earned 4.3 stars in our analysis.
This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. Cruise insurance provides financial protection for travelers if their travel plans are impacted before or during their cruise. Most comprehensive travel insurance policies provide coverage for common travel disruptions, including cancellations, medical emergencies, travel delays, missed connections, and personal items. Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellation or only medical expenses. With the wide variety of travel insurance plans available, you can find coverage levels that will fit your budget and trip needs.
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You’ll be meeting up with your cruise, vacationing out on the deep blue sea, probably experiencing some new things through excursions and then coming home to reality. If you're injured or become severely ill during a cruise, especially in a foreign country, it may be difficult to access help without the assistance of trained professionals that comes with many insurance plans. If a winter storm causes you to miss your flight to where the ship is boarding, "travel insurance could help you get to the next port to join the cruise, so you don't miss your entire trip," Page said. Travel insurance can cover those, plus help with flight delays or cancellations, baggage loss or theft.
Travel insurance is likely to be more comprehensive and might cover an important risk that hadn’t occurred to you. USI’s Ruby plan offers well-balanced coverage that meets our standards for emergency medical and evacuation coverage. When comparing policies, choose a policy that includes all of the benefits, protections and coverage limits that are important to you. While you may be tempted to choose the lowest-priced option, that policy may not have the coverage you need. Cruise travel insurance is add-on insurance coverage that — just like travel insurance — will reimburse you for delays, interruptions, medical situations or other problems during the cruise. Forbes Advisor researched and analyzed 39 policies to find the best travel insurance.
You usually must be at least 48 hours into your trip to file a claim. These policies offer the highest maximum coverage limits for travel delays among the plans that we judged to be the best. Travel insurance compensates passengers when unexpected events force them to cancel or delay cruises.
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