Cruise Insurance
Specialized coverage for cruise vacations.
Typical cost: $100 – $500 per cruise
Cruise Travel Insurance
Cruise travel insurance covers the unique risks of cruise vacations: medical emergencies at sea, missed port departures, cruise line bankruptcy, and itinerary changes. Standard travel policies may have coverage gaps for cruises.
Medical Care at Sea
Cruise ship medical facilities are limited and expensive. If serious illness occurs, you may need evacuation by helicopter or tender boat. Ensure your policy covers emergency evacuation from sea locations.
What's covered
Emergency Medical at Sea
Covers treatment in the ship's medical center.
Emergency Evacuation
Helicopter or boat evacuation from the ship if needed.
Missed Port
Covers costs if you miss the ship at a port of call.
Cruise Line Default
Reimburses trip costs if cruise line goes bankrupt.
Itinerary Change
Covers missed excursions due to weather or other changes.
Tips
- • Confirm policy covers evacuation from sea—not all do
- • Cruise line bankruptcy coverage important given industry history
- • Consider CFAR if your health might prevent cruising
- • Pre-existing condition waivers protect existing health issues
- • Alaska and expedition cruises may need additional coverage
Other travel insurance types
Domestic Travel Insurance
Coverage for trips within the United States.
International Travel Insurance
Comprehensive coverage for overseas travel.
Adventure Travel Insurance
Coverage for extreme sports and adventure activities.
Business Travel Insurance
Protection for corporate and business trips.
Student Travel Insurance
Affordable coverage for studying abroad.
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