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Some will even cover the cost of evacuating from a foreign destination if you are in the midst of a medical crisis. 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. A comprehensive travel insurance plan will package additional benefits such as travel delay insurance, baggage insurance and missed connection travel insurance. Trawick’s Safe Travels First Class policy provides solid benefits at a great average cost, including high medical evacuation limits and good missed connection coverage.
Best Cruise Travel Insurance of April 2024
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. 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. Although large vessels provide medical facilities, they usually don’t have adequate personnel and equipment to treat serious wounds or illnesses.
What is a cruise travel insurance plan?

This is one of the advantages to buying travel insurance shortly after you book your trip. Without the waiver, medical expenses related to pre-existing conditions that flare up during your trip won’t be covered. AXA Assistance USA offers three travel insurance plans, each with its own level of protection, with the Silver Plan being the most affordable of the options.
Best for Cruise-Specific Coverage: Berkshire Hathaway
Some premium credit cards offer valuable travel protections comparable to what you might get from a standard travel insurance plan. Many travel insurance policies cover cruises, but cruise insurance may be tailored to the risks of cruises, covering transportation, accommodations, and activities. Getting travel insurance for cruises can offer peace of mind if you’re concerned about losing nonrefundable trip payments, travel delays, or covering emergency medical care. Seven Corners' RoundTrip Choice Plan offers primary medical coverage for emergency accident and sickness medical expenses up to $500,000, while many other plans only offer secondary coverage. The plan's medical evacuation coverage is high at $1 million, and preexisting conditions are covered with a few conditions that apply, namely that you purchase the policy within 20 days of your initial trip payment. Many travel insurance plans give you a pre-existing medical condition exclusion waiver if you buy the plan within two to three weeks after your first trip deposit.
What does a cruise travel insurance plan cover?
Or your ship is late arriving in port at the end of a voyage, and you miss your flight home. 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. Below you’ll see examples of cruise insurance costs for the best cruise insurance policies.
The 5 best cruise travel insurance plans
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IMG’s iTravelInsured Travel Lite, with options for winter, adventure, and extreme sports, can give you the coverage you need. We were quoted $58.87 for a 40-year-old traveler cruising to Costa Rica with plans to zipline. It covers trip cancellation and interruption, medical expenses, medical evacuation, and adventure sports with some exclusions, such as diving and adventure races.
More resources for cruise travel insurance shoppers
A travel insurance comparison site like SquareMouth is a good place to compare multiple quotes from all of the major carriers at once. Seven Corners also offers the option of a preexisting conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies. Other add-ons that Berkshire Hathaway includes are a preexisting medical condition exclusion waiver, accidental death or dismemberment and car rental collision coverage.
Some companies also offer annual plans, and we compare policies accordingly. World Nomads Travel Insurance has been a top choice for comprehensive travel insurance for many years now. It has an AM Best rating of A, which means that the company has an excellent ability to pay its claims and meet its financial obligations. The first is CFAR, which provides reimbursement for 75% of the trip cost but is only available with the Platinum plan.
This covers the cost of emergency medical transportation to the nearest facility that can provide adequate care for your illness or injury. This optional upgrade can increase the cost of your policy by 40% to 90%. It gives you increased flexibility with your travel plans, but only up to a point. You’ll need to cancel your trip at least 48 hours before your scheduled departure to file a successful CFAR claim.
Many cruise lines offer their own insurance policies that cover a range of issues, from trip cancellation to medical emergencies. While this can be convenient, cruise line policies may not offer as much coverage as policies from the actual travel insurance providers. With early purchase benefits and optional add-on coverages, you can customize the plan and coverages you need for your cruise vacation. Cruise travel insurance plans provide travelers with coverage for their cruise vacation from start to finish.
Additionally, you shouldn’t expect your U.S.-based health insurance plan to cover you on your cruise, especially if you’re on an international cruise. And it’s exceptionally expensive if you need to be evacuated for a medical condition. Note that the premiums and policy structures advertised for cruise insurance companies are subject to fluctuate in accordance with the company's policies. Cruise insurance may cover missed connections, but it's important to read your policy before you purchase it. Each policy has different limits on how much you'll be reimbursed and what exactly you'll be reimbursed for. While cruise ships have medical facilities, they're usually not equipped to treat serious illnesses.
The U.S. Department of State's Bureau of Consular Affairs clearly states the importance of buying travel insurance. If you want the ultimate flexibility to cancel for such a reason or any other, you'll want to look into a more expensive cancel for any reason travel insurance upgrade. TravelSafe's Classic Plan is the best value all-around for the average cruiser, with superior coverage limits at a fair rate. We searched for quotes from several companies for a seven-day trip in February 2023 from the U.S. to Mexico. The traveler was 35 years old, from Georgia, and planned to spend $2,500 total on the whole trip, including airfare.
World Nomads offers cruise insurance policies geared toward adventurous travelers. 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. Trip Interruption – Similar to trip cancellation, this coverage pays you for an interruption for specific reasons like the ones mentioned above after your trip has already started or when travel is delayed. In addition to being reimbursed for the remainder of what you’ve paid for your cruise, you’ll often also be reimbursed for expenses like flight and hotel to get back home. Whether you’re on the cruise ship, the beach, or enroute to your port of call, a good travel insurance policy will offer coverage and peace of mind for the entirety of your cruise vacation.
Emergency Evacuation – Nearly every plan will have some sort of emergency evacuation coverage. This is coverage to get the person to the most appropriate medical treatment (often as defined by the insurance company). So if you break your leg while on an excursion in Mexico and have to be transported to a larger city for the correct care, then your expenses are covered. Emergency evacuation coverage also can pay for you to get you home if you are in a medical facility away from home. For travelers who have a claim or need assistance, cruise insurance is invaluable in helping with daunting travel emergencies like illness, medical evacuation, or trip interruption.
To get pre-existing condition coverage, you’ll usually need to buy travel insurance within 14 to 30 days of making your first trip deposit, insure the full value of your trip and be medically able to travel. The Explorer Plan is World Nomads' premium travel insurance plan and covers a longer list of activities than the Standard Plan. You can review the list of covered activities here and decide if the more affordable Standard Plan works for you.
Trip insurance may also cover the repatriation of remains if a death occurs during an insured vacation. Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S.
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