Does normal travel insurance cover cruises? - Best Money Saver

18th December 2018by Joanna White

According to research, only 35% of single travel insurance policies and 40% of annual policies cover cruises.

This means, unless you have one of these specific policies that includes cruise cover as part of your policy, then you will likely need to purchase an add-on or a separate policy altogether. Depending on which option you go for, you’ll need to make sure you compare plenty of quotes in order to get the best deal for you.

What exactly is cruise travel insurance?

When it comes to cruise travel insurance, there are a number of things that it covers. Depending on the exact type of policy you have, you may be covered for the likes of missed departures, cancellation cover and missed activities or itineraries.

Before you embark on your cruise, it’s imperative to check whether you have the right level of cover, otherwise you could end up facing some extortionate medical bills if the worst happens.

Cruise specific travel insurance is generally more expensive, especially when you buy it as an add-on because of all the countries you’re likely to visit and the potential risks arising due to a travel cruise.


While travel insurance for cruises isn’t considered to be the most affordable, there are still many benefits to be enjoyed when you purchase cover for cruises.

Anything can happen while you’re at sea, so it’s important to make sure you have the sufficient level of cover in the event of an incident or accident occurring.

Longer timeframes covered

One great advantage of cruise travel insurance is that you’re likely to be covered for a longer period of time than you would be with regular travel insurance.

This is because cruises can last for weeks or months at a time, and you’ll also be visiting a number of different countries, so you’ll need exceptional cover for everywhere you visit.

Before you embark on your cruise, you should remember to check exactly which countries are included as part of your policy.

Cancellation cover

While regular travel insurance policies will offer you some level of cover for cancellations or delays, many cruise travel insurances will ensure that you’re fully covered in the event that your cruise is delayed or cancelled due to the likes of bad weather or unforeseen circumstances.

Cover for older travellers

Many types of travel insurance may offer cover for older travellers, but they often have age limits on the people that they cover.

With cruise travel insurance however, many policies will offer cover for older travellers as standard. They often also tend to be more accommodating with regards to pre-existing medical conditions as many types of cruises will offer the chance to take part in rigorous activities.

Activities such as trekking, cliff diving, scuba diving and canoeing may all be included as part of your package when you embark on a cruise, so it’s imperative to make sure you’re covered for every eventuality.

Standalone or add-on policy?

As previously mentioned, when it comes to travel insurance for cruises, there are multiple ways of going about obtaining sufficient cover.

You can either opt for a standalone policy or choose to purchase an add-on to your current travel insurance policy. A standalone policy will be separate from your normal travel insurance and will need to be purchased specifically for your cruise.

An add-on policy may be the best option for you if you currently have a travel insurance policy that’s fully comprehensive and that you’re comfortable with and you trust.

What you need in your cruise travel insurance policy

Whether you’re purchasing a standalone policy, an add-on or your current travel insurance policy includes cruise cover as standard, there are a few things that you need to ensure are included within your policy.

  • Cover for travel delays
  • Cancellation cover
  • Cover for electronics and gadgets such as mobile phones, laptops and cameras
  • Missed departures
  • Cover for activities while on your cruise such as kayaking, trekking or on-board activities
  • Cancelled or unused excursions

Conclusion – does normal travel insurance cover cruises?

Typically, normal travel insurance doesn’t cover cruises as standard; only 35%-40% of travel insurance providers offer cruise cover within their policies. This means you’ll either have to purchase travel insurance for your cruise as a standalone policy, or you may wish to purchase an add-on to your current policy.

It’s a good idea to shop around and compare the best quotes for cruise travel insurance to ensure that you get the best cover possible for what you need.