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Cruise Travel Insurance

Cruise Travel Insurance

Cruise Travel Insurance
What is it?

Cruise insurance provides coverage for costs related to lost luggage, trip disruptions, emergency medical evacuation, missed ports and urgent medical care.

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What Is Cruise Insurance?

Cruise insurance offers short-term travel coverage that helps provide support for cruise-specific issues, such as cruise cancellation or trip delays, along with medical coverage should the policyholder become sick or injured while aboard the ship.

Travelers can choose the right plan for them depending on the amount of coverage they need, the length and distance of the trip and other key factors.

Travel Insurance for Cruises

Cruise insurance is trip insurance that offers protection for travelers while taking a cruise. This type of travel insurance is extremely beneficial for those who are taking a cruise vacation as it offers a variety of protections including coverage for cruise interruption, cancellation, or delay as well as a sickness and accident emergency medical benefit.

Additionally, while most cruise lines have doctors or medical staff aboard a cruise, they may lack the resources necessary for more complex urgent care. If you experience an emergency medical event at sea, cruise insurance offers emergency medical evacuation coverage which can be a lifesaver in the event that you need immediate emergency medical attention on land.

What Does Cruise Insurance Cover?

Cruise ship travel insurance offers coverage for nonrefundable costs associated with trip-related hiccups as well as emergency medical coverage.

Cruise insurance can offer the following benefits:

Travel insurance for cruise benefits may differ depending on the cruise insurance plan you choose. If you’re interested in purchasing a cruise insurance policy, it’s advised to review and compare plan benefits and coverage to choose a plan that offers adequate coverage and the type of benefits you are looking for.

Is Cruise Insurance Worth It?

Cruise ship insurance is extremely beneficial as it protects your trip investments and can offer financial coverage in the event of an accident or sickness while on board. Since cruises are taken on the open seas, weather events and other unforeseen circumstances are always a possibility that can disrupt your trip and cause potential financial loss. With cruise insurance, you’ll have peace of mind knowing you’ll be secure if your travel plans are interrupted or if you experience a medical emergency onboard.

Cruise Cancellation, Interruption, or Delay

If your cruise is canceled unexpectedly, interrupted in some way, or delayed, cruise insurance can offer reimbursement for any nonrefundable trip costs you end up losing due to certain circumstances.

Cruise Cancel For Any Reason (CFAR)

Most cruise insurance plans also offer an optional Cancel For Any Reason (CFAR) benefit, which allows you to cancel your cruise travels for any reason and still recoup a portion of your nonrefundable trip costs, based on the plan’s described benefits.

Medical Evacuation and Repatriation of Remains

Another crucial benefit of cruise insurance is the coverage for emergency medical evacuation. Medical evacuation may be necessary if you require life-threatening medical attention that cannot be handled onboard. Evacuation transfers you from the ship to a facility on land that is more equipped to handle your care. Without insurance, emergency medical evacuation can be extremely expensive.

Repatriation of remains is another added benefit of cruise insurance which helps cover eligible costs associated with repatriating your remains back to your home in the event of your death onboard.

Cruise Belongings Protection

Most cruise trip insurance plans also offer belongings protection, which includes reimbursing you for lost or damaged baggage, baggage delay, or lost passport, visa, or other travel documents.

Cruise Accident and Sickness Coverage

If you have an accident or fall ill unexpectedly during your travels, cruise insurance can offer coverage for eligible medical care up to the benefit amount.

Accidental Death and Dismemberment

Cruise insurance can also include an Accidental Death and Dismemberment benefit which is designed to assist your family financially in the event that you pass away during your cruise.

Best Travel Insurance for Cruises

At VisitorsCoverage, we offer a variety of cruise insurance plans for every traveler. We recommend the SafeCruise cruise insurance plan as it offers key benefits for U.S. resident cruise goers traveling both domestically and internationally, including coverage for eligible nonrefundable trip costs and accident and illness coverage.

See What Customers Have to Say

VisitorsCoverage let me get it done very painlessly and immediately sent all the documents including IDs by email. It was so great!


Website was easy to navigate, and contained a lot of information so I could make an informed decision. Also I thought the rates were very reasonable considering the peace of mind the policy will give me.


Very straightforward process, website navigation was excellent as well and can’t beat the price. Thanks!!


Very easy to compare between options and choose from. Was able to complete the purchase in 10 minutes.


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Cruise Travel Insurance FAQs

We’ve got you covered.

At VisitorsCoverage, you can easily compare Cruise Insurance plans and buy them online, quickly and without excessive paperwork. Cruise Insurance plans can help protect you from unforeseen circumstances and let you travel with peace of mind.


Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.