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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. 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. Travelers on international cruises with primary Medicare insurance should be particularly concerned with this type of benefit, as Medicare does not traditionally cover any kind of medical care outside of the United States.
A Guide to Travel Insurance for Cruise Travelers
We show you the best travel insurance plans and providers based on the details of your trip. We offer plans of all sizes and help you choose the best one to fit your specific travel concerns. The main difference between the two plans is that RoundTrip Basic doesn’t have certain benefits like the preexisting medical conditions waiver and death and dismemberment coverage. RoundTrip Choice has both as well as other unique advantages that are not available in other policies, including frequent traveler rewards, a pet kennel and event ticket coverage. To choose the best cruise travel insurance for you, take a look at what coverage you have through the credit card you paid for your trip with, your health insurance and your homeowners insurance.
The Best Cruise Insurance Options
If you’re concerned about the effect of the coronavirus pandemic on your vacation plan, consider upgrading to CFAR coverage. Flights to the port city could be canceled because of smoke from a wildfire. Trip cancellation insurance can reimburse you if bad weather at home or at your destination prevents you from taking your trip. A typical cruise refund policy might entitle you to a full refund if you cancel far enough in advance — which might mean 90 days or more before your departure date. If you want to cancel within 14 days of departure, you might not be able to get any refund at all. And if you cancel somewhere in between 14 and 90 days, you might get a partial refund.
You might not be covered by regular medical insurance while cruising
If the dates of your trip change, your travel insurance company should allow you to change the dates of your policy to match the new travel dates. You can also add items to your itinerary later—such as shore excursions—and then add them to your travel insurance coverage. While pricing is higher than most other top plans, USI’s Diamond plan provides a solid range of top-level benefits, including first-rate medical and evacuation benefits and very good missed connection coverage.
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Some cruise lines require the purchase of a travel insurance policy before the final payment date when charges become nonrefundable. Others require the purchase of coverage a certain number of days before departure. Read the fine print to find out the deadline to purchase and the specifics of its coverage.
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Otherwise, if you head into a doctor's office overseas, have any tests completed, or visit an urgent care center or emergency room, you might not be covered. Under normal circumstances, you don't need to purchase a so-called "cancel for any reason" add-on to your cruise travel insurance policy unless you really need the flexibility. Also, financial default may not be a covered event in a cruise line-sold policy, but it's typically covered with plans from third-party travel insurance companies. But perhaps most importantly, many travel insurance policies will cover medical expenses you incur while on a cruise. Some will even cover the cost of evacuating from a foreign destination if you are in the midst of a medical crisis. As the phrase suggests, you can cancel your trip for any reason (such as concern over traveling to a particular area due to political unrest or disease outbreaks) -- a luxury normal insurance policies won't allow.
Trip Cancellation and Interruption Coverage
The Seven Corners Trip Protection Elite plan stands out for offering generous coverage limits and an add-on option for cancel for any reason (CFAR) coverage, which both pair well with its pre-existing conditions waiver. In our research, AXA's Silver Plan stood out as the top budget plan for its mix of affordable premiums and essential coverage. CNBC Select also named AXA one of the best overall travel insurance providers. A cruise is an ideal vacation for anyone who likes the all-inclusive concept, where you pay one price and have just about everything taken care of, from accommodations to meals and activities.
Ship-to-Shore Coverage
This coverage applies to transportation by common carriers such as airlines, buses and trains. It refunds parts of your trip that you miss because of a common carrier delay. If you’re worried that missed connections could disrupt your cruise, it’s worth considering TravelSafe for its excellent missed connection benefit. If you're hoping to insure against a storm-related disaster, it's good to buy travel insurance as early as possible. Once a storm or hurricane is named, it's too late to buy travel insurance to cover it.
While your trip insurance cost might not increase if you buy a policy at the last minute, it’s best to buy coverage as soon as you make your initial trip deposit. Most insurance companies only allow you to add CFAR coverage a few days after you make your first trip payment. If you’re considering this insurance add-on, buy coverage as soon as possible. Cruise travel insurance policies often cover trip interruptions as well. For example, the policy may cover your expenses if the ship breaks down and you have to fly home mid-voyage. The Platinum plan is superior in all other aspects, offering $1 million for emergency medical evacuation, $250,000 for medical expenses, $3,000 for lost or stolen baggage and $600 for baggage delay.
AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. We have more than 100k customer reviews from real travelers which help to filter our plans, ensuring the provider rating is taken into account when making recommendations. Stay healthy while abroad with travel medical insurance for emergencies.
Travelers 70 and older are required to add a "Silver Nomads" policy, offered through TripAssure. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations. According to a 2021 report from Cruise Lines International Association, an industry trade association, 82% of cruisers will cruise again.
While you may be tempted to choose the lowest-priced option, that policy may not have the coverage you need. Cruise travel insurance is add-on insurance coverage that — just like travel insurance — will reimburse you for delays, interruptions, medical situations or other problems during the cruise. Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim, and before you travel so you know what compensation you're entitled to. If you're booking a cruise, we recommend purchasing travel insurance when you make your first trip payment. That could be for the cruise itself or an expense like airfare to get you to your cruising destination.
Standalone policies tend to be more comprehensive and offer more coverage. You’ll pay for these benefits, of course, but the cost may be worth it. 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.
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