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Comprehensive coverage should be no more than 5 to 7% of the cost of your cruise. This represents the 2nd most common medical emergency on cruises behind respiratory illnesses. Either of these can happen to anyone in an environment that may be wet, slippery and in close quarters. Even a relatively healthy person can have a medical emergency.
Trip Interruption Coverage
Buying right after you book also lets you lock in trip cancellation coverage right away. Review your policy to be sure the plan you’re buying will cover your adventurous fun. If it doesn’t, ask about an adventure sports add-on, or consider a company such as World Nomads that caters to the adventurous traveler. U.S. health plans may have very limited or no coverage when you’re outside the U.S. And Medicare doesn’t cover medical care outside the U.S., with only very narrow exceptions.
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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. You can buy cruise insurance after booking your trip, right up until just before departure. The downside to waiting is that you likely won’t be able to cover pre-existing medical conditions, and you’ll lose the option to add cancel for any reason coverage.
How much does cruise insurance cost?
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For example, you could make a “cancel for any reason” claim if you’re worried about being seasick—a reason not covered by standard trip cancellation insurance. Buy this coverage shortly after you make your first trip deposit or the purchase window for it will close. Medical evacuation travel insurance covers the costs to get you to the nearest adequate medical facility or even back home if it’s medically required. Your travel insurer’s emergency assistance team can also help arrange for the medevac.
Protection throughout your trip
While evacuation/repatriation is generally included in top-of-the-line policies, you may also purchase more comprehensive, standalone evacuation policies from companies like MedJetAssist. The last thing most of us think about when we plan a cruise is the list of elements that can go wrong before and during our vacation. But there are definite reasons why you should consider travel insurance for your cruise. If a winter storm causes you to miss your flight to where the ship is boarding, "travel insurance could help you get to the next port to join the cruise, so you don't miss your entire trip," Page said.
You can add travel insurance to your cruise when you book with the cruise line or a travel agent. Alternatively, you can purchase travel insurance directly from travel insurance agencies. You can go to the insurance companies directly or, better in my opinion, compare policies using an aggregator website such as InsureMyTrip.com, SquareMouth, or TravelInsurance.com. Regardless of whether you go directly to an insurer or search on one of the aggregator sites, you can plug in filters for the specific coverage you are looking for and omit coverage that you already have. This will save you money and get you more quickly to the exact coverage plan you need.
Missed port-of-call coverage pays a benefit if the cruise ship misses a scheduled port of call due to weather, a natural disaster or a mechanical breakdown. Travel insurance giant Allianz Global Assistance reports that 53% of all cruise-related "billing reasons" for claims are because of illness for the insured person, while 14% are for an injury. Another 8% are for the illness of a family member, 4% for the death of a family member and 4% for the illness of a traveling companion, among other reasons.
You want to be careful if you have preexisting conditions
I recommend you purchase within 10 days of your first trip payment. If you do this, you have the most options and access to coverages like Cancel For Any Reason and Pre-existing Conditions. You can purchase travel insurance right up until departure, but if something happens that causes a cancellation, you need to already have coverage purchased. Some companies market “cruise” plans, which is a collection of coverages that are important to cruise travelers.
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In addition, look for coverage if you get sick and need to isolate away from home. "Some plans offer additional trip delay coverage, put in place as a result of needing additional or higher limits for instances that might include if the policyholder gets quarantined in a location," Sandberg adds. Walch advises all travelers booking a cruise to consider a plan that includes cancellation coverage for COVID-19.
If you catch COVID-19 on board the ship, for example, your policy covers a doctor’s services, lab tests, hospitalization if necessary and medications. The best cruise travel insurance plans also cover Covid for emergency medical treatment. This is important when you travel abroad where your insurance from home may not cover you.
This plan's coverage includes an impressive $1 million per person for medical evacuation and a high $2,500 coverage limit for bag loss. You have extra time – 21 days – from your initial deposit to add a cancel-for-any-reason upgrade to your plan. The accident and sickness medical coverage is primary, with coverage up to $100,000. Some health insurance policies offer limited coverage on cruises, but coverage often depends on where you’re cruising and your planned activities.
Cruise lines have lessened restrictions in recent weeks, however many still require a negative COVID-19 test prior to embarkation. Despite the continued requirements, travel insurtech Squaremouth.com reports cruisers are now more... If you already have a policy and have any questions for your travel insurance provider or would like to file a claim, please contact your provider directly. Click here for a full breakdown of the top cruise insurance providers. We searched for quotes from several companies for a seven-day trip in February 2023 from the U.S. to Mexico. The traveler was 35 years old, from Georgia, and planned to spend $2,500 total on the whole trip, including airfare.
You may be able to get complimentary “bonus” benefits, but it usually means buying your policy shortly after booking your cruise. For example, Travelex will cover you for a pre-existing condition (yours or an immediate family member’s), but only if you purchase the insurance within 15 days of making your initial trip payment. After the 15-day period, you can purchase only standard insurance. These restrictions are common and you should ask about them when looking to book a trip and are considering travel insurance. Nationwide offers three travel insurance plans designed specifically for cruises. That way, you can choose the one that best suits your travel plans and budget.
Last-minute flight cancellations are happening more and more these days. On a recent cruise to Iceland, we were disembarking the ship when we received a text alerting us that our flight home was canceled. Apparently, some flight crew members didn’t report for duty that morning.
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