Everything to know about buying cruise travel insurance
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Coverage can vary depending on the specific policy and insurer, with some policies excluding coverage entirely for specific conditions or offering limited coverage or waiting periods. It is important to disclose preexisting conditions when purchasing the policy and carefully review the policy's coverage for such conditions and the aforementioned exclusions or waiting periods. This coverage reimburses your prepaid, unused, nonrefundable expenses in case you must cut your cruise trip short due to an unexpected event, such as illness, death, injury or a family emergency back home.
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Trip cancellation
It has an AM Best rating of A++, meaning that it has a superior ability to meet its claims and financial obligations. "Domestic transports, which we cover as well, can cost upwards of $30,000," Hallman said. "For people traveling internationally, it's crucial to know beforehand where to go for any treatment … and how they're going to pay for that treatment," Page said.
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It covers trip cancellation and interruption, medical expenses, medical evacuation, and adventure sports with some exclusions, such as diving and adventure races. 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.
Best cruise insurance options
Standalone travel insurance policies can be purchased to cover one person or a family for a specific trip or multiple trips within a period of time. 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.
Learn more about travel insurance costs in our guide to the average cost of travel insurance. Your travel insurance might not cover everything you want to do — particularly if you plan on adventure activities. Here’s our complete guide to adventure and extreme sports travel insurance. No coverage for pre-existing conditions that fall within 90 days of your policy's start date.
Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues. Cruises are typically covered under travel insurance, so you don’t necessarily have to buy specialized cruise insurance, such as coverage from the cruise line. Travel insurance can cover trip cancellations and interruptions, medical emergencies, lost luggage, and more on your cruise trip. You can buy cruise insurance from the cruise line when you book, or a travel agent may offer cruise insurance plans. You also have the option to purchase cruise trip insurance independently.
The insured can select coverage in a variety of dollar amounts; half a million dollars in coverage can cost less than $50 per traveler. While airline accident coverage is typically a supplemental add-on, it might be included in the cost of comprehensive standard policies or offered as "bonus" coverage. This means you can't embark on a cruise with the intention of having dental work or minor surgery in a port of call followed by recovery on board the ship. Not only will your policy not cover the treatments, it also will not pay for delays, evacuations, or related medical expenses. Medical benefits on policies you purchase after an outbreak becomes a "known event" may be severely limited. During existing outbreaks, you should research policy choices carefully before purchasing, as some will still provide medical coverage for travelers who become ill with the disease in question, while others will not.
Here's how to evaluate which plan is the right choice for you, as well as five of the best cruise travel insurance plans available. Although you can purchase a policy right up to your departure, there are advantages to buying travel insurance right after booking your trip. One is that you can maximize the length of your trip cancellation coverage.
World Nomads Explorer Plan
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Every cruise insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. See our methodology for more information on how we choose the best cruise insurance plans. For example, Allianz Global Assistance’s OneTrip Premier Plan can cover a trip up to 366 days and includes $200,000 in trip cancellation coverage and $1 million in emergency medical evacuation benefits. It also provides trip cancellation coverage in the event that there is an NOAA hurricane warning at your destination. Typically, cruise insurance also provides a 24/7 hotline for travel emergencies.
And if you suffer a medical crisis on board, travel insurance can cover your evacuation and emergency medical care. The average cost of cruise insurance is $457 per trip, based on Forbes Advisor’s analysis of rates for 37 cruise travel insurance plans. The Atlas Journey Premier policy provides excellent missed connection coverage and medical evacuation benefits. Available upgrades include “cancel for any reason,” “interruption for any reason” and extra coverage for pets traveling with you, adventure sports, destination weddings, hunting and fishing equipment, and more.
As an example, when Carnival Triumph had mechanical problems that required it to be towed to New Orleans, most passengers were bussed back to the originating port of Galveston. Those with travel insurance could have flown directly from New Orleans to their home airport in most cases. The last thing most of us think about when we plan a cruise is the list of elements that can go wrong before and during our vacation.
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