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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. You can add travel insurance to your cruise when you book with the cruise line or a travel agent. 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. Catch up on CNBC Select’s in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date.
“Cancel for Any Reason” (CFAR) Travel Insurance
Be sure to review the policies and understand the restrictions for your specific cruise line before purchasing insurance. Before purchasing a travel insurance policy, we encourage all customers to look into their specific cruise line's restrictions and understand how coverage may work in the event of a missed connection. If you should unexpectedly fall ill or become injured while you're on your cruise, you'll need some sort of medical insurance coverage to offset the expense of the care you receive. Many cruisers don't know that their home medical insurance provider may not cover any care they receive outside of their home country and some may only cover a portion of the costs. Cruise-specific travel insurance may also offer reimbursement if your cruise ship is disabled. And if you want to cover shore excursions, be sure to include the cost of excursions in your total travel cost when you get quotes for cruise insurance.
best cruise travel insurance plans
You generally must buy it within 15 to 20 days of making your first trip deposit. Benefits don’t kick in until you are a specified amount of time into your trip, for example 48 or 72 hours. The average cost of cruise insurance is $457 per trip, based on Forbes Advisor’s analysis of rates for 37 cruise travel insurance plans. Our top-scoring cruise travel insurance plans do not have a deductible for any type of coverage, including travel medical insurance. One benefit that cruise travel insurance policies offer that credit cards don't is the ability to cancel for any reason. Although you may not get back 100% of the cruise price, these policies allow you to cancel for any reason and get a portion of the price back as a credit toward a future trip.
Best Cruise Insurance Plans
Meanwhile, the Platinum Plan is for anyone who prefers premium benefits, such as cancel-for-any-reason coverage. With a range of pricing and coverage options available, you can feel confident that you can find a policy to suit your travel needs. The coverage in many travel insurance policies will max out at 90 days, so you’ll need to look for a travel insurance plan that can provide coverage for a long trip length.
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 fall ill or are injured during the trip, it can be pretty expensive – even when going to the ship's onboard medical facility." Cruise insurance can be any travel insurance policy that has the coverage features you want.
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Is there a difference between travel insurance and cruise insurance?
Your flight to the cruise port could be delayed, you might get sick or injured on your cruise, or you might have to cancel the whole thing if illness or obligations prevent you from going on your cruise. A hurricane could interfere with cruising in storm hotspots such as the Caribbean and Gulf of Mexico. Comprehensive travel insurance, regardless of your age, is widely available and relatively affordable. For example, if any injury or health issue is alcohol-related, it may not be covered. You might also want to know if natural disasters like a hurricane, terrorist incidents or bankruptcy by the cruise line are also covered.
Can I cancel a cruise without insurance?
When you’re traveling to a far-flung destination or taking a very long cruise, the Luxury plan can help protect your investment. It includes trip delay insurance of $200 per day up to $1,000, so you’re covered if you miss the cruise departure and need to catch up. You can also opt for cancel for any reason (CFAR) coverage for additional peace of mind. The Nationwide Luxury cruise insurance plan is also ideal if you have health concerns. It covers pre-existing conditions as long as you purchase within 14 days of the first cruise payment.
Itinerary changes that cause you to miss a pre-paid excursion are covered by up to $250. 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. While Berkshire Hathaway offers various travel insurance plans, WaveCare™ is specific to cruise protection. In addition to the coverage outlined in the chart below, this plan also includes $500 in fixed coverage if your cruise ship is disabled.
As of July 2021, some cruise lines will not allow travelers to join their cruise if they miss the initial embarkation at the departure port. This is due to the health screening and other processes that are performed there, and are not able to be made up down the line. Due to this new restriction, missed connection coverage may not apply if you are not allowed to rejoin the ship after departure. Unfortunately, in the past few years, cruise lines have been in the spotlight for situations that often end the cruise early, cause travelers to become sick or leave them stranded in the middle of the ocean. If there is a fire or mechanical breakdown, the Shipboard Disruption benefit can provide a one-time payment of the amount stated in your plan, to compensate you for the inconvenience. However, it will not provide the same amount of coverage available from traditional travel insurance.
The longer you wait to buy cruise insurance, the higher the price may become. The Travel Basic plan from Travelex Insurance Services cost $116 for our sample trip; just below the average for plans listed here. 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. After our analysis, we've determined these are some of the best cruise insurance options available.
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This coverage will provide a one-time reimbursement, up to the limit on your confirmation, for pre-paid, non-refundable activity expenses that you have lost. One significant benefit that third-party insurance plans offer is possible coverage for financial default. It’s important to note that financial default coverage is generally a time-sensitive benefit, so be sure to look into purchasing your travel insurance soon after you make your initial trip payment. It is important to read the details of the plan as some do restrict coverage for financial default of the travel supplier, tour operator, travel agency, organization or firm that you purchased the trip from. Compare the trip insurance that’s included with your credit card with standalone travel insurance policies. Standalone policies tend to be more comprehensive and offer more coverage.
We evaluated popular credit cards & found while many cards offer basic travel insurance perks, few offer emergency medical coverage or robust trip cancellation protection. To determine the best cruise insurance plans, CNBC Select analyzed the offerings of 19 insurance companies and compared them based on various factors. These included the maximum coverage limits, optional coverages, types of coverage, premiums and what the policies cover. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction.
Based on quotes we obtained using the seven trip profiles outlined in our methodology, Berkshire’s average trip cost is $163. Based on quotes we obtained using the seven trip profiles outlined in our methodology, Faye’s average trip cost is $298. Based on quotes we obtained using the seven trip profiles outlined in our methodology, Nationwide’s average trip cost is $182.17. LA Times Compare is committed to helping you compare products and services in a safe and helpful manner.
And if you have to cancel your trip last-minute, you probably won't get any money back. From scuba diving in the Caribbean sea to riding ATVs through the mainland, excursions offer a chance to experience destinations included in your itinerary. Travel insurance can cover these expenses through the Trip Cancellation, CFAR, or Trip Interruption benefits should you need to cancel your plans. If you plan on partaking in more extreme excursions, you will need to find a policy that explicitly includes Sports & Activities coverage. This coverage allows you to abandon your cruise for any reason and provides reimbursement of your transportation costs, up to the specified benefit limit, in order to get home. This coverage is available if all eligibility requirements are met and is available in most states.
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. World Nomads is one of the few insurance companies that will cover more than 200 adventure activities on your travels, including scuba diving, skydiving and bungee jumping.
Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference. You should be able to find the information you need in your booking confirmation email (if you’ve already booked your trip) or on the cruise ship’s website. If you booked your cruise through a travel agent, ask your agent about the refund policy that applies to your trip. Baggage delay coverage reimburses you for items you need to buy to tide you over until your bag arrives, up to the policy limit.
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