Understanding Cruise Travel Insurance
3rd Party Cruise Insurance vs. Cruise Line Travel Protection
Specialized Cruise Coverage Options
Frequently Asked Questions
Cruise insurance is especially important to consider when booking a cruise because of the unique multi-leg nature of traveling by cruise ship. Depending on the plan, cruise travel insurance can protect you if you miss a leg of your trip or have an emergency evacuation from the sea. When traveling abroad by ship, cruise trip insurance can cover you for unexpected medical issues. We invite you to get a personalized insurance quote for your cruise and compare the available plans. If you are primarily interested in emergency medical coverage, please read more about our travel health insurance plans we have available.
However, it’s important to be cautious about where you get travel insurance for a cruise. Typically, to find the best and most robust cruise insurance it’s advisable to look at cruise insurance reviews and then buy travel insurance for your cruise from a third-party source – not from the cruise line itself or from a booking site. These types of travel insurance plans tend to be limited in their coverage and may not include the essential benefits you need for your individual comfort and safety. They may be written in a way that is more likely to benefit the cruise line operator rather than the cruiser. Our online insurance comparison app now recommends cruise insurance plans for travelers who identify they are traveling by cruise. Whenever you purchase travel insurance for a cruise, make sure to find out what type of coverage is available to you for the following concerns:
Emergency Medical Care
If you should unexpectedly fall ill or become injured while you’re on your cruise, you’ll need some sort of medical insurance coverage to offset the expense of the care you receive. Many cruisers don’t know that their home medical insurance provider may not cover any care they receive outside of their home country and some may only cover a portion of the costs. Travelers on international cruises with primary Medicare insurance should be particularly concerned with this type of benefit, as Medicare does not traditionally cover any kind of medical care outside of the United States.
Emergency Medical Evacuation
While rare, emergency medical evacuations are a genuine possibility for cruisers. Whether the emergency is severe enough to require an air rescue from the ship, or whether it involves emergency transport from the nearest port-of-call, the costs can be expensive if not covered by insurance. Travelers who are particularly concerned about the possible quality of medical care in an unfamiliar area of the world may want to consider the optional Hospital of Choice benefit as an additional coverage. The benefit may allow for transfer to another hospital in the event that the attending physician determines evacuation is medically necessary.
Baggage Loss or Baggage Delay
Between airlines, ships, and ports-of-call there are plenty of opportunities for luggage to be delayed, lost in transit or stolen. Baggage loss coverage may help recover the costs of replacing lost items, or baggage delay coverage may help reimburse for the necessities purchased while waiting for bags. Having baggage coverage can significantly decrease the stress of losing your belongings.
Identity Theft
Losing personal documents, such as passports, is indeed a possibility when on a cruise. Identity theft protection is a unique service offered by some travel insurance providers. This coverage may include a toll-free assistance line to help guide you through the process of minimizing possible damage to your credit or financial reputation. It can also assist in important communications and monitoring to help replace your documents as quickly as possible and continue your cruise.
Financial Default
One significant benefit that third-party insurance plans offer is possible coverage for financial default. In other words, if your cruise line operator or another travel supplier related to your cruise goes bankrupt after the waiting period on the policy (typically 10 days after purchase), financial default coverage potentially would allow you to recover the money paid to that travel supplier. It’s important to note that financial default coverage is generally a time-sensitive benefit, so be sure to look into purchasing your travel insurance soon after you make your initial trip payment. It is important to read the details of the plan as some do restrict coverage for financial default of the travel supplier, tour operator, travel agency, organization or firm that you purchased the trip from.
Hurricanes and Other Bad Weather
Cruise ships are obviously especially vulnerable to the effects of hurricanes or other severe weather. While most comprehensive travel insurance plans will not offer coverage if your cruise departs as scheduled, the plan may cover you if the cruise is canceled or cut short. Trip cancellation coverage can help to recoup any costs that the cruise company will not reimburse. Some plans written for cruises do have coverage for itinerary changes or excursion cancellation due to weather conditions. There are also important travel insurance benefits available that are related to bad weather that causes damage to your home and renders it uninhabitable, such as trip interruption coverage.
What About Travel Insurance Offered by a Cruise Line?
This is a general representation of coverage and some benefits may differ based on your quoted information or not be available if all eligibility requirements aren’t met. Please read your state specific policy for full coverage details. Coverage may not available in all states. Cruise Line coverages are based on platinum (not standard) policies.
InsureMyTrip researchers evaluated popular cruise lines and found while many plans offer basic travel insurance perks, few offer robust trip cancellation insurance or expansive emergency medical care coverage.
The findings suggest that cruisers should review the travel insurance coverage advertised by their cruise line to understand what exactly it covers – and what it doesn’t.
InsureMyTrip recommends that cruisers compare coverage with a travel insurance comparison website before choosing a plan offered by their cruise line.
Cruisers will likely discover that comprehensive travel insurance plans aka 3rd party travel insurance available on InsureMyTrip will offer far more coverage options, often at a lower price.
Cruise Line Travel Insurance Downfalls
- Limited number of reasons for cancelling a trip
- Most fail to cover pre-existing conditions, so older travelers and those that may be traveling with a condition could find themselves not covered if they need to cancel/interrupt or seek medical attention during the trip for it.
- Medical coverage is typically lower than what we see on third party travel insurance plans.
- For some cruise line plans, Trip Cancellation is a “penalty waiver” offered by the cruise line, not the same thing as a traditional insurance benefit and will have a very limited number of covered reasons for cancellation.
- CFAR is typically offered through the cruise line as a type of waiver, and reimburses credits/voucher, not cash as a third-party plan would.
- Fail to cover the financial default of the cruise line or common carrier.
- Typically, a cruise plan will not cover the full trip cost. So, if you are booking flights and accommodations separately from the cruise, you would need separate insurance to cover those expenses. With a third-party insurance plan, you can insure all of them on one policy.
- Most cruise line plans only offer secondary coverage.
- Most cruise line plans will not include “inconvenience benefits” like you might find on some cruise specific third-party cruise plans.
Cruise Line Travel Protection vs. 3rd Party Travel Insurance
|
Coverage Type |
Cruise Line |
3rd Party Travel Insurance |
|
Cancel For |
No Cash, Credits Only |
Cash |
|
Trip |
Limited Covered Reasons |
Many Covered Reasons |
|
Emergency |
Low Limits |
High Limits |
|
Pre-Existing |
No |
Yes |
|
Trip Cost |
Only Cruise Insurable |
All Costs Insurable |
|
Financial |
No |
Yes |
|
Baggage |
Delay Must |
Few Hours |
Bottom line – your cruise line may offer some protection. However, it will not provide the same amount of coverage available from traditional travel insurance.
A comprehensive travel insurance plan purchased from InsureMyTrip can cover the entire trip cost in addition to providing robust key benefits including emergency medical coverage, emergency medical evacuation, trip interruption, trip delay, baggage coverage, and 24/7 emergency assistance. Typically, these plans will run 4-8 percent of a total trip cost.
Travelers seeking additional assistance when evaluating their travel insurance options can contact a licensed travel insurance agent for help.
Unique Travel Insurance Coverage for Cruises
When you are planning a cruise, you have specific travel needs that are different from a traditional traveler – for obvious reasons. This is not your normal “fly away, vacation and fly home” trip. You’ll be meeting up with your cruise, vacationing out on the deep blue sea, probably experiencing some new things through excursions and then coming home to reality.
These differences mean you’ll need unique travel insurance coverage for your trip. A typical comprehensive plan would be a great option for any traveler, even cruisers. But there are some comprehensive cruise insurance plans that offer specialized coverage specific to the needs of cruisers. Below are some examples of coverage you can find if you look carefully at the plan details:
Return Home Early
It’s a new twist on trip interruption coverage. This coverage allows you to abandon your cruise for any reason and provides reimbursement of your transportation costs, up to the specified benefit limit, in order to get home. This coverage is available if all eligibility requirements are met and is available in most states.
Shipboard Service Disruption
Unfortunately, in the past few years, cruise lines have been in the spotlight for situations that often end the cruise early, cause travelers to become sick or leave them stranded in the middle of the ocean. If there is a fire or mechanical breakdown, the Shipboard Disruption benefit can provide a one-time payment of the amount stated in your plan, to compensate you for the inconvenience. This coverage is available in most states.
Pre-Paid Excursion Reimbursement
Because you planned ahead, you probably added your pre-paid, non-refundable excursions to your trip cost when purchasing your travel insurance plan. Well, if the cruise line changes your itinerary after your departure, this can throw a wrench in your plans. This coverage will provide a one-time reimbursement, up to the limit on your confirmation, for pre-paid, non-refundable activity expenses that you have lost. This coverage is available in most states.
Missed Connection
No one is immune to travel mishaps. Sometimes when you are traveling to meet your cruise, you get delayed on the way. If you and your travel companions are delayed 3 or more hours due to a covered reason and you miss your cruise departure, this coverage may reimburse, up to the stated limit, for expenses to help you rejoin your ship. However, depending on the travel insurance company, you may only be eligible for benefits if you left adequate time between your delayed flight and missed connection. The amount of coverage will vary from plan to plan.
As of July 2021, some cruise lines will not allow travelers to join their cruise if they miss the initial embarkation at the departure port. This is due to the health screening and other processes that are performed there, and are not able to be made up down the line. Due to this new restriction, missed connection coverage may not apply if you are not allowed to rejoin the ship after departure.
Before purchasing a travel insurance policy, we encourage all customers to look into their specific cruise line’s restrictions and understand how coverage may work in the event of a missed connection.
Ship-to-Shore Coverage
Locating this coverage in your average comprehensive plan will be difficult. This is a rare benefit that is defined as a part of emergency evacuation. Essentially, the travel insurance company will assist with making arrangements to get you off the cruise ship and to an onshore hospital if your condition warrants an evacuation. Of course, there may be exclusions or exceptions due to your ship’s location. But this benefit allows you to have peace of mind knowing that assistance, in an unfortunate situation, is just a phone call away, even if you are aboard a cruise ship.
Remember, not all comprehensive travel insurance plans will have these benefits. While they can be beneficial to most cruisers, there may be some coverage limitations as well as eligibility requirements. We always recommend contacting our Customer Care Team to answer any questions you may have on the coverage and plans prior to purchase. Finding the right plan can help you cruise worry-free.
Frequently Asked Questions
Do You Need Special Insurance for a Cruise?
Due to the unique nature of traveling by cruise ship, travel insurance is strongly recommended for all travelers. Depending on the plan, cruise travel insurance can protect against missed connections, an emergency evacuation, unexpected medical issues, baggage loss, and more.
Is Cruise Insurance Worth It?
At InsureMyTrip, we have heard endless feedback from customers that travel insurance is worth it and they were thankful to have it. While travel insurance cannot prevent mishaps from occurring, it can reduce the burden of unexpected expenses and additional travel arrangements that need to be taken care of with very little notice.
It can protect the cost of your trip if you have a travel delay or need to cancel, offset added expenses due to a travel delay or lost, delayed or damaged luggage, and protect against expensive medical bills if you are injured or ill while traveling abroad.
Compared to the cost of a cruise, travel insurance is a smart investment. Plans are not one-size-fits-all, as the price and conditions will vary, but generally travelers can expect to pay 4% – 10% of their total, nonrefundable trip costs.
What Does Cruise Insurance Cover?
Typically, cruise insurance will include coverages for:
- Emergency Medical
- Emergency Medical Evacuation
- Baggage Loss or Delay
- Identity Theft
- Financial Default
- Hurricanes or Severe Weather
Cruise insurance may also offer unique coverages such as:
- Return Home Early
- Shipboard Service Disruption
- Pre-Paid Excursion Reimbursement
- Missed Connection
- Ship-to-Shore Coverage
Plans will vary as some of these coverages have limitations and eligibility requirements. We recommend speaking directly with a Customer Care agent to ensure your policy has the right coverages for you.
What If I Miss My Cruise?
Generally, the Missed Connection and Trip Interruption benefits may help cover expenses so you can rejoin your cruise ship at a later point. However, as of July 2021, some companies – such as Royal Carribean and Carnival – may not allow travelers to join a cruise if they miss the initial embarkation at the departure port. This is due to health screenings that take place only upon embarkation and cannot be performed later. In this case, the Missed Connection benefit would not be able to apply. Be sure to review the policies and understand the restrictions for your specific cruise line before purchasing insurance.
Does the Travel Insurance Provided by my Credit Card Cover My Cruise?
While your credit card may offer some travel protection, it will not provide the same amount of coverage available from traditional travel insurance providers.
Can I Get Travel Insurance After I Book My Cruise?
A common question we receive is “how late can I purchase my travel insurance?” We recommend purchasing early, ideally after making your first payment towards your trip. Some benefits are time-sensitive, such as coverage for pre-existing medical conditions or the optional Cancel for Any Reason benefit. And while some plans offer post-departure benefits or can be purchased last minute, we advise not to wait to start comparing travel insurance plans.
How Does Cruise Insurance Cover COVID-19 Travel Concerns?
Coverages for COVID-19 related travel concerns vary by policy and provider. Generally speaking, coverage by a comprehensive policy may apply in the following unforeseen scenarios:
- Emergency Medical Coverage
- Emergency Medical Evacuation Coverage
- Trip Interruption
- Cancel For Any Reason (optional, time-sensitive benefit)
Over the course of the coronavirus pandemic, many traditional travel insurance companies expanded or adapted their existing coverage for travelers. In addition to the coverages above, examples of these may include:
- Reimbursement for covered medical treatment during a trip due to a COVID-19 illness
- Get sick with COVID-19 and must cancel a trip by physician’s order
- Physician orders a quarantine before trip
- Lost a job during the coronavirus pandemic by no-fault of your own
For travelers concerned with cancellation, Cancel For Any Reason (CFAR) offers the most trip cancellation flexibility and is the only option available to cover fear of travel. CFAR is an optional, time-sensitive benefit with eligibility requirements, so not all travelers will qualify. Full terms of coverage will be listed in state-specific policy. If eligibility requirements are met, reimbursement is up to 50%-75% of the insured pre-paid non-refundable trip cost.
No matter what coverages you are interested in, our licensed representatives are available to help you identify the right policy, read the fine print and review any exclusions before you purchase a policy.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
Ask a Question
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Question
If you have a non-refundable hotel booked, would it be covered by trip insurance?
By Sheila - March 27, 2018
Answer
Yes, our comprehensive policies do cover prepaid non-refundable hotel arrangements.
By MattG - March 28, 2018
Question
When insuring my cruise vacation, should I include the hotel stays while traveling to and from the cruise? We typically drive to the ports.
By JohnieD - November 15, 2018
Answer
As long as the hotel arrangements are prepaid and non-refundable prior to departure, you can insure the cost of these arrangements as well as the cost of the cruise.
By MattG - November 17, 2018
Question
We are taking two cruises this year. One in Feb for 21 days and one in Aug. for 30 days. Is there a way to insure for both at the same time or do we purchase two separate plans?
By SallyG - January 3, 2019
Answer
If you are looking for comprehensive coverage such as Trip Cancellation and other travel protection benefits, you would need to purchase a separate policy for each trip. Comprehensive Plans are the most widely known form of coverage and are often called package plans. Typically, a Comprehensive Plan will offer a variety of benefits for travelers, covering a wide range of concerns. Most provide coverage for Trip Cancellation, Trip interruption, Baggage loss, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and Accidental Death.
By MattG - January 5, 2019
Question
Is there any insurance that would cover a cruise if I have to cancel due to the sickness or medical emergency of an elderly parent
By LaTonyaJ - May 17, 2019
Answer
The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. This applies to all comprehensive policies and it extends to non-traveling Family Members. Trip Cancellation reimburses 100%.
By MattG - May 18, 2019
Question
We are booked on two consecutive cruises. Do I insure them separately or as one?
By Mike - July 29, 2019
Answer
If you are not returning back to your home in between each cruise, this is viewed as a single trip and you would only need to obtain one policy to cover you from the time you leave home until the time your return back to your home. You can insure all prepaid non-refundable travel arrangements associated with both cruises.
By MattG - July 30, 2019
Question
Just put down a deposit on a cruise in March, 2020. The deposit is non-refundable. Is this covered through the Trip Insurance I am planning to purchase?
By Lee - October 14, 2019
Answer
Yes, you can insure a non-refundable cruise deposit with all other prepaid non-refundable travel arrangements paid for prior to departure. Most providers will allow you to insure just the deposit now and once you make the final payment towards the trip prior to departure, you can update the amount you insured with your existing policy at that time.
By MattG - October 14, 2019
Question
How long do I have to purchase insurance for my cruise? I already booked my cruise and paid my deposit. My cruise date is set for June 15th
By JohnC - March 7, 2020
Answer
You can purchase most comprehensive insurance policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
By Meghan - March 10, 2020
Question
We have booked an Alaskan Cruise in July. The flight to Vancouver arrives the night before the ship leaves. If the flight is cancelled or not available for some reason and we can not board on time, is our entire trip insured?
By George S - March 8, 2020
Answer
If your concern is having to cancel or interrupt your trip on the day of departure or after you have started traveling, Comprehensive travel insurance plans typically have coverage if there is a complete cessation of services of your airline for a certain number of hours for a covered reason such as inclement weather, strike, or mechanical breakdown. Coverage differs by provider and by plan, so you want to read your policy which will list all covered reasons for cancelling your trip as well as any coverage exclusions. When insuring your trip, you would want to make sure that you are insuring all pre-paid non-refundable trip costs as well as from when you leave your home, until you plan to return home. Please note, as Coronavirus is now a known event and no longer considered unforeseen, flight cancellations due to this reason would not be covered on a standard comprehensive plan. It may be a good idea to check and see what types of cancellation policies your travel suppliers are offering in the event that flights/cruises are cancelled.
By Meghan - March 12, 2020
Question
What if the cruise ships is going to multiple places? What do I put for the destination?
By JaylaS - March 9, 2020
Answer
Please enter the first international port of arrival as your destination. For instance, if you're boarding your cruise in Florida and your first port is Nassau, Bahamas, you will want to enter the Bahamas as your destination.
By Meghan - March 11, 2020
Question
Can I cancel my cruise and get a refund if my doctor writes a note saying I am not medically approved for travel? Too ill to travel? Also, can my companion that was scheduled to travel with me be included in the refund?
By LisaH - March 10, 2020
Answer
The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. Trip Cancellation reimburses 100%.
By MattG - March 16, 2020
Question
Is Airfare covered if you have to cancel for a covered reason?
By StephanieL - April 10, 2020
Answer
If you included your airfare in your total insured trip cost and it is prepaid and non-refundable, it may be covered if you are cancelling your trip due to a covered reason. The travel insurance company providing coverage will make all final determinations as to what is or is not covered at the time of a claim.
By Meghan - April 21, 2020
Question
My wife and I have an Iceland cruise booked on Seabourn for July 2021. We made a deposit of $8,500 (refundable until 120 days before sailing), and the total trip cost for both of us is about $40,000 for the penthouse suite. If history holds true, that cost will adjust downward to $30,000 six to eight month before the cruise. Is there a way to just insure our deposit now (especially for financial default of Carnival Seabourn), and then increase the amount to cover the entire cruise once the fare adjusts to its final pricing? I don't want to pay a premium that covers more than we anticipate paying for the cruise, and I especially don't want to pay such a high premium for a cruise that we might cancel depending on Covid conditions 120 days out. Thanks.
By DavidH - April 30, 2020
Answer
Yes, with most plans you can insure the cost of your deposit now and then insure subsequent payments as you make them. Some plans do have time sensitive benefits, such as a pre-existing condition waiver and/or optional Cancel For Any Reason protection, that (among other eligibility requirements) require you to insure your trip within 10-21 days after making your first payment or deposit. If you are reviewing plans that have time sensitive benefits, it is important to read the full policy details as they will list all eligibility requirements. As you make future payments toward your trip, it is important to then insure that additional amount right away, within 10-21 days after making that payment, so that you don't risk becoming ineligible for any time sensitive benefits that may be on your plan. When talking about coverage for COVID-19, and potentially having to cancel your trip because you don't feel comfortable traveling, you would want to look at a plan that offers optional Cancel For Any Reason protection. Standard comprehensive travel insurance plans don't cover fear of travel. There are some eligibility requirements for Cancel For Any Reason protection, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days after making your initial trip payment (and insuring subsequent payments within 10-21 days after making them), and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company. If you are looking at different plans and have questions, please call our Customer Care department at 800-487-4722 to speak with a licensed travel insurance representative.
By Meghan - April 30, 2020
Question
I had to rebook canceled cruises. Will my coverage switch dates automatically or should I report each to you?
By Janet - May 21, 2020
Answer
The dates on your policy will not change automatically. You will need to contact our Customer Care department at 800-487-4722 with the updated information (please have your email address, order and/or policy number available so that we can find your information in our system). We will contact the insurance company to make sure the updates are made on their end as well.
By Meghan - May 21, 2020
Question
We have 5 cruises booked for 2022, Is there a yearly plan we can purchase?
By SusanE - December 16, 2021
Answer
We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 70 days per trip with most plans. To obtain a quote, please fill out the quote form with your very first trip's details and once you arrive on the results page, please click on the button labeled “medical” on the bottom left and view our plans that are labeled “multi trip". Our multi-trip medical plans provide both medical and medical evacuation coverage. If you were interested in trip cancellation and other travel protection benefits, that coverage has to be purchased on a per trip basis.
By MattG - December 20, 2021
Question
My wife has a preexisting. If she were to become ill a week before the cruise date and we have to cancel is there any insurance that would reimburse partial or cost of the trip?
By Randall H - August 23, 2022
Answer
Most Comprehensive Plans will offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy within 10 - 21 days of making your first trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy. Please fill out the quote form on our home page, www.insuremytrip.com with your trip details to obtain a quote. If you are interested in trip cancellation and other travel protection benefits, please click on the “Comprehensive” button on the left when you arrive on the results page, then the pre-existing conditions waiver filter below that. If you like, you can also call us at 800 487 4722 and any customer care representative will be happy to assist you with finding a policy over the telephone.
By MattG - August 23, 2022
Question
We will be doing a 12 day British Isle cruise staying in London for several days before and then flying to Munich to stay after.....do I need separate trip insurance for the cruise or can both cruise and land be covered together?
By Linda - February 3, 2023
Answer
You can cover your entire trip away from home with one policy. You are not required to obtain separate policies for each segment of your trip. Please fill out the quote form on our home page, www.insuremytrip.com with your trip details to obtain a quote. If you are interested in trip cancellation and other travel protection benefits, please click on the “Comprehensive” filter on the left when you arrive on the results page. If you like, you can also call us at 800 487 4722 and any customer care representative will be happy to assist you with finding a policy over the telephone.
By MattG - February 4, 2023
Question
Have just booked a cruise within the United States and have Medicare. Is there insurance that covers cruise and air without medical?
By Richard - August 3, 2023
Answer
Unfortunately, we do not have policies that just include trip cancellation coverage. We have comprehensive policies that include these benefits. These plans provide coverage for Trip Cancellation, Trip interruption, Baggage loss, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and some also offer coverage for Accidental Death. The medical coverage would essentially act as secondary to whatever your existing insurance will not cover you for, up to the policy limit.
By MattG - August 5, 2023
Question
I am going on a cruise in October. I have separately booked two connecting rooms, one for my wife and one child and one for myself and another child. (Royal Caribbean would not let me book two minor children alone in a room.) Can I buy insurance for all 4 of us on the same policy at the same time even though there are two different booking numbers?
By John - August 5, 2023
Answer
Yes, you can all be listed on the same policy together as long as you live in the same state and travel on the same dates. You are not required to be booked in the same room or have the same booking number to be able to be listed together on a policy.
By MattG - August 5, 2023
Question
I put a down payment on a cruise for February. Full payment is due in November. Can I still get full coverage for this trip? Do you offer yearly plans also?
By Paula - August 15, 2023
Answer
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 70 days per trip with most plans. Our multi-trip medical plans provide both medical and medical evacuation coverage. The comprehensive policies have to be purchased on a per trip basis.
By MattG - August 17, 2023
Question
We're doing a trip to Alaska that will have a land component (self-planned) and a cruise. Will a single insurance policy cover both? Or should i separate the two portions of our trip?
By Deepti - May 21, 2024
Answer
Yes, you only need to obtain one policy to cover your entire trip away from home. You can insure all prepaid non-refundable travel arrangements paid for prior to departure with one policy, including the land and cruise portion of the trip.
By MatthewG - June 1, 2024
Question
We have paid a deposit on a cruise for May, 2025 and are buying the cruise insurance now in order to get the pre-existing coverage. However, the flight portion will not be booked for two more months. Are we able to add that to our insurance we are purchasing now or do we need to purchase a separate policy?
By Shelia - May 28, 2024
Answer
You can insure what you have paid for to date and any known costs, and once you make subsequent payments towards the trip prior to departure, you can contact us and update your existing policy accordingly. So when you book airfare or any other travel arrangements for this trip, please contact us so the policy can be updated at that time.
By MatthewG - June 1, 2024