Why You Need Cruise Insurance (and What It Actually Covers)
Here’s something a lot of folks don’t realize: standard travel insurance usually doesn’t cover cruises. Yep, you read that right. If you’re heading out on the high seas, you’ll need cruise-specific insurance to keep you covered.
So, what exactly is cruise insurance? It’s a special type of travel insurance designed specifically for all the fun (and occasional mishaps) that come with cruising. Think onboard accidents, missed ports, or even extended stays if something goes sideways. Most regular travel insurance plans don’t account for the unique aspects of a cruise vacation, so be sure to add the cruise option when you’re buying your policy—it’s not automatically included!
What Does Cruise Insurance Cover?
Here’s the lowdown on what cruise insurance usually takes care of:
Cabin Confinement
If you get sick onboard, the ship’s medical team might make you stay in your cabin to prevent spreading germs. If that happens, cruise insurance typically compensates you for every day you’re stuck inside.
Missed Excursions
Pre-booked that once-in-a-lifetime snorkeling trip, but got sidelined by an illness? Most cruise insurance plans will refund you for excursions you can’t use because you were confined to your cabin.
Itinerary Changes
Weather, technical issues, or other unexpected problems can force the cruise line to switch up the itinerary. If you miss out on a big chunk of your planned stops, you could be eligible for compensation from the cruise operator.
Missed Port Departure
Running late and missed your ship? Cruise insurance can save the day by covering the cost of catching up with your cruise at the next port. This might be due to:
- Public transport delays
- Car trouble or accidents
- Bad weather or strikes
Cancellation or Cutting the Cruise Short
Cruises aren’t cheap, and they’re often booked months (or even years) in advance. Cruise insurance can cover you if you have to cancel last minute or head home early for an unexpected reason.
Cruise Interruption
Need hospital care during your trip? Cruise insurance helps cover medical expenses and even the cost of rejoining your cruise if you can.
Medical Expenses
If you get sick or injured on board, this part of the policy covers doctor visits, hospital stays, and even emergency airlifts back home if needed. Some plans also cover accommodation for your travel companions while you recover.
Baggage and Belongings
Lost, delayed, or stolen luggage? Most cruise insurance policies cover that too. Just check the limits of your plan to see how much you’re entitled to.
Travel Money
Lost or stolen cash? Cruise insurance often has your back, though the claim limits will vary depending on the policy.
Bottom Line
Cruise insurance might feel like just another thing to add to your pre-trip to-do list, but it’s worth it for the peace of mind. So, before you set sail, make sure you’ve got the right cover for your adventure—you’ll be glad you did!
Top 3 Tips When Purchasing Cruise Travel Insurance
Before picking your cruise travel insurance policy, bear the following three top tips in mind:
Check cabin confinement daily amounts
If you can’t leave your cabin you could be able to get £15-£1,000 ($20-$1,250) a day. Some providers cover the cost of missed excursions too.
Find the right cancellation refund
Make sure you choose a policy that covers the cost of your cruise, as payouts can range from £250-£25,000 ($320-$31,000).
Choose the right cover limits
To cover all eventualities, we recommend the minimum amount of medical cover you should choose is £1m ($1.25m) to £2m ($2.5m).
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