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Cruise Travel Insurance: Protect Your Cruise Vacation
Cruise travel insurance can help protect your vacation from covered cancellations, medical emergencies, travel delays, and baggage issues. Whether you're planning your first cruise or you're a frequent traveler, Travel Insured International makes it easy to compare coverage options and choose a plan designed for the unique needs of cruise vacations.
The Best Time to Buy Cruise Travel Insurance
Purchasing cruise vacation protection soon after making your initial trip deposit can help you access time-sensitive benefits, including eligibility for a pre-existing condition exclusion waiver if you meet the plan requirements. Buying coverage early can also help protect your prepaid cruise investment before departure. Some cruise lines or guided cruise tours may also recommend or require travelers to carry travel insurance, particularly for international itineraries.
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When comparing cruise insurance coverage, look beyond the price. Review key benefits and compare maximum benefit amounts and optional add-on bundles to customize protection for cruise-specific needs, including enhanced baggage coverage, flight-related benefits, and greater cancellation flexibility. If you cruise multiple times a year, consider annual trip coverage as a convenient alternative to purchasing a separate plan for each vacation.
Core Coverage Benefits*
Baggage Loss and Baggage Delay
May help reimburse eligible losses if luggage is lost, stolen, damaged, or delayed, including essential purchases while waiting for checked bags.
‍Trip Cancellation and Interruption
Helps reimburse eligible prepaid, nonrefundable cruise expenses if a covered event forces you to cancel before departure or end your trip early.
Emergency Medical Expense Coverage
May help pay eligible medical expenses if you become ill or injured during your cruise, especially while traveling internationally. This benefit can be useful for international cruises, older travelers, those with pre-existing health concerns, and guests planning active shore excursions.
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Note: A Pre-existing Condition Exclusion Waiver may also be available if eligibility requirements are met.
Medical Evacuation
May arrange and cover medically necessary transportation to the nearest appropriate medical facility when adequate care isn't available nearby. Many plans also include medical repatriation and other emergency transportation benefits, with evacuation limits varying by plan.**
Trip Delays
Unexpected delays can happen due to weather, mechanical issues, or several other covered reasons. If your cruise departure is postponed—or a connecting flight is delayed—this benefit may reimburse you for reasonable meals, accommodations, and transportation expenses while you wait. Whether you’re stuck overnight at a hotel or need ground transport to the next leg of your journey, travel delay protection offers practical support.
Missed Shore Excursion Protection
Depending on the plan, may help reimburse eligible prepaid shore excursions missed because of a covered travel delay or other qualifying event.
Explore Our Cruise Travel Protection Plans
All our single-trip plans are eligible to add the cruise bundle.* This bundle adds more coverage for itinerary changes, travel inconveniences, trip cancellation, interrupted excursions, and increased coverage for baggage delays.
Bundle and more
Bundle and more
Bundle and more
Bundle and more
Travel Insurance is included as part of a Travel Protection Plan which contains both insurance benefits and non-insurance assistance services. Coverage and benefit eligibility may vary by state. Read your plan document for full details.
** Optional bundles/coverage come at an additional cost and terms apply.
Optional Add-On Bundles And Upgrades
Cruise vacations often involve more connections, prepaid excursions, and complex itineraries than other trips. Optional add-on bundles let you customize your travel protection with benefits tailored to the way you travel.
24/7 Emergency Support
Wherever Your Cruise Takes You
If you experience a medical emergency during your cruise, notify our 24/7 assistance team as soon as possible, especially if emergency medical evacuation or other coordinated services may be needed.
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To help support your claim:
- Keep receipts for eligible medical treatment, medications, and transportation expenses.
- Collect medical records, provider notes, and any documentation explaining your diagnosis or treatment.
- Contact the 24/7 travel assistance provider immediately if emergency evacuation or other travel assistance services are required. Early coordination can help ensure eligible services are arranged according to your plan.
Frequently Asked Questions
Find the Right Coverage for Your Trip
Every trip is different, and your travel insurance should reflect your destination, itinerary, and travel style. Whether you're planning a cruise, international vacation, family getaway, or adventure trip, compare single trip travel protection options to find the coverage that fits your needs.
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Ready to get started? Request a personalized quote and travel with confidence.
*May vary by plan and state, and state restrictions may apply.
**The medical condition must be severe, acute or life threatening and that transportation to the nearest medical facility can be arranged if there are no adequate facilities in the immediate area.
