Need help?


Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.

Sign in to your account

Talk to a Licensed Insurance Specialist: 7:00AM - 6:00PM PT (Mon-Fri)

+1 (866) 384-9104

Current Time in PT Open

Other ways to reach us:

Talk to a Licensed Insurance Specialist: 7:00AM - 6:00PM PT (Mon-Fri)

+1 (866) 384-9104

Current Time in PT Open

Other ways to reach us:

VisitorsCoverage logo
Cruise Insurance

Cruise Insurance

Cruise Insurance
What is it?

Cruise insurance provides cruise-specific coverage options ranging from medical coverage to trip support.

View Plans

For the way you travel

Cruise insurance is short-term travel coverage that can help provide support for trip issues like cruise cancellation or trip delays, as well as medical coverage should the policyholder become sick or injured while on board. Similar to other types of trip and travel insurance, there are a range of different plans available.

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.

Why cruise insurance matters

One of the main reasons to purchase cruise insurance is that regular health insurance may not provide coverage for the cruise. If this happens, any illness or injury that takes place on board may not be covered, resulting in incredibly high medical expenses for those involved. A cruise insurance policy, on the other hand, helps ensure that travelers have proper medical coverage.

Likewise, although there may be doctors and medical staff aboard a cruise, they may only be versed in general medical care, and not specialized treatment. If a serious illness or injury takes place, a traveler could count on cruise insurance for providing the coverage needed for specialized treatment.

Similarly, serious injuries or diseases are not handled by the onboard medical services, which are not built or prepared to treat them. If you needed an emergency medical evacuation, for example, this expense is not paid for by the cruise line. A decent cruise travel insurance package will coordinate, pay for, and transport you in case of a emergency evacuation, as well as ensure that you return home safely to receive the proper care you need.

Cruise insurance offers the following benefits:

  • Trip Cancellation
  • Trip Interruption
  • Travel Delay
  • Medical Coverage

What happens if I miss the cruise?

In general, the Missed Connection and Trip Interruption benefits that you receive as part of your cruise insurance policy may assist in covering costs so that you can rejoin your cruise ship at a later time.

However, there are a few companies, such as Royal Caribbean and Carnival, that may have specific rules that don't allow passengers to re-join a cruise if they happen to miss the original embarkation of the ship. This is due to the fact that a number of cruise ships perform important health screenings at the embarkation port before passengers board. If you happen to be sailing on cruise line that has such a clause, then the Missed Connection advantage would not be applicable. Before obtaining insurance, make sure you read the terms and understand the restrictions for your individual cruise line.

Customer Story

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


author review

Helpful articles

Cruise 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.