Cruise Insurance Explained

Cruise popularity is on the rise, with searches up by 24% in 2023 compared to last year – we love to hear about some of the exotic places our customers are heading, albeit a little jealous sometimes! As more people book cruises, it’s important to remember that specialist Cruise Insurance is essential for protecting yourself against unexpected expenses.

We tend to get more questions around cruises as you do need specialist cover, especially if you have pre-existing medical conditions. This blog will explain the different types of cover that are typically included in Cruise Travel Insurance, as well as the importance of buying it as soon as possible. We’ll also discuss the factors that can affect the cost of your policy.

Here are some of the most frequently asked:​
Firstly if ANY part of your holiday includes a cruise then you’ll need to mention it when arranging your insurance so your provider can ensure the Cruise-specific benefits are included.

So what are you covered for?

Am I covered if I miss the start of my cruise?

Yes, you are covered if you miss the beginning of your cruise due to unforeseen circumstances. For example, you will be covered if you are delayed due to the breakdown of the vehicle you are travelling in or as a result of an accident. If you’re in an accident on the way to board then we understand your holiday has already got off to a bad start – we will soften the blow a little with missed port departure cover, meaning you will be covered for any additional transport and accommodation costs to help you join your cruise at the next port. (See the ‘missed port departure’ section of our policies).

Do I need to declare my medical conditions?

Yes, we would need to note any of your pre-existing medical conditions on your Cruise Travel Insurance policy. This will ensure that you are covered if you need treatment on-board or require an emergency airlift to shore​.

If I’m unwell during my cruise and confined to my cabin, is there any cover?

If you were confined to your room by the ship’s medical officer then you will be covered for each full day (24 hours) up to a maximum of 10 days. The amount you will receive will vary due to the level of cover you selected when buying your Cruise Travel Insurance, more details are available under ‘cabin confinement’.

Our cruise did not dock in the Philippines due to storms; can I claim compensation on my Travel Insurance?​​

Your policy will cover you under ‘itinerary change’ for each port you missed due to adverse weather or timetable restrictions. You will receive up to £100 per port in compensation, depending on the level of cover you have selected.​

I couldn’t participate in a pre-booked excursion because I sprained my ankle; can I claim for the missed activity?​

Yes, under ‘unused excursions’, you will be paid up to the amount shown in your schedule for a missed excursion if you are confined to your cabin because of an accident or illness that you also claimed under your medical expenses cover.

My partner required medical treatment, meaning we missed our return time and the ship left without us. What should we do?

First of all, try not to panic. We will help you re-join your cruise at its next docking point, covering any additional travel expenses that you incur.

If this does happen you will need to contact the assistance company to confirm your travel arrangements. All of this will be covered in the ‘cruise interruption’ section of your cruise cover.

Already booked your cruise?

Our policies can cover cancellation for up to £50,000 per person, so we’ve got the right cover for you whether you’re on a 7-day Mediterranean cruise or a 60-day round-the-world adventure.

If you have already booked your holiday for next year ensure you have complete peace of mind by arranging Cruise Travel Insurance as soon as you can.

Call our award-winning UK call centre to get a free quote on 0800 294 2969 – we’re open 7 days a week.

Alternatively, you can get your quotation anytime online.