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Travel insurance can cover those, plus help with flight delays or cancellations, baggage loss or theft. Whether you buy travel insurance is a personal decision that will depend on many factors. Would you be willing to absorb the loss of canceling a cruise on short notice due to an illness or accident?
Baggage and personal items loss
Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage.
Emergency Medical Evacuation
Trip insurance policies can cover the cruise and any related flights or hotel stays. Our insurance experts reviewed 40 aspects of 37 travel insurance plans to find the best cruise insurance. "We always recommend travel insurance, as it covers trip interruption, which is important, as well as medical coverage for the hospital and treatment costs," he said.
Types of Cruise Insurance Coverage
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The Gold plan comes with $500,000 for emergency medical evacuation, $100,000 for medical expenses, $1,500 for lost or stolen baggage and $300 for delayed baggage. Although large vessels provide medical facilities, they usually don’t have adequate personnel and equipment to treat serious wounds or illnesses. Some vacationers must return to land by medical evacuation, whether by helicopter directly from the ship or by plane from a port.
Many insurance companies often have a time window where you can cancel a trip for any reason. For example, your policy may allow you to cancel at least 48 hours before your set departure date. The other two plans — Gold and Platinum — cost more but offer more protection. They both include 150% coverage for trip interruption, 100% for trip cancellation and a preexisting conditions exclusion waiver.
The Explorer Plan is World Nomads' premium travel insurance plan and covers a longer list of activities than the Standard Plan. You can review the list of covered activities here and decide if the more affordable Standard Plan works for you. Seven Corners offers a standard Trip Protection Economy plan and a more premium Trip Protection Elite plan.
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The Guide to Cruise Travel Insurance
Cruises are typically covered under travel insurance, so you don’t necessarily have to buy specialized cruise insurance, such as coverage from the cruise line. Travel insurance can cover trip cancellations and interruptions, medical emergencies, lost luggage, and more on your cruise trip. Some health insurance policies offer limited coverage on cruises, but coverage often depends on where you’re cruising and your planned activities. Check with your insurance provider about coverage before you depart on your cruise. Find out if supplemental cruise insurance is available if you want to use your existing health insurance coverage. Cruise bookings can be unforgiving, and cruise insurance can help you minimize your risk of losing the money you’ve paid for your trip.
When to Purchase Cruise Insurance
Trip cancellation insurance and interruption coverage can reimburse you if you cancel or cut your cruise short for a covered reason. If you’re concerned about canceling your trip for a reason not listed under a policy’s coverage terms, consider cancel for any reason (CFAR) coverage. If you’re looking at plans explicitly marketed for cruises, you may find special benefits like cruise diversion, cruise disablement and prepaid excursion reimbursement. After you compare travel insurance companies, narrow down your options to policies that provide the amount of coverage you’re looking for.
Lost or delayed baggage
USI’s Ruby plan offers well-balanced coverage that meets our standards for emergency medical and evacuation coverage. Cruisers seeking coverage of preexisting conditions, as well as cancel for any reason insurance, generally must book within seven to 21 days of the first payment they make for a trip. That could include nonrefundable flights, prepaid resort or hotel nights, nonrefundable tour fees and more. Residents of the United States, Canada and Mexico are eligible for these plans, which cover medical evacuation and repatriation, both domestically and when traveling outside of the country of residence. If your plans include the rental of a vehicle, car-rental collision coverage can be useful.
If the cruise line makes a change in the port of call, you will not be reimbursed for airfare to get to the original port and new tickets to get to the updated port of call. Also, if a cruise cancels or changes the itinerary before your trip, you will not have coverage for any transportation or pre-arranged activities unless you bought cancel for any reason coverage. If your flight is delayed and you miss the departure of the cruise ship, this insurance feature will reimburse you for lost cruising days and cover transportation to the next port of call. A September 2022 survey of 737 past cruisers by InsureMyTrip found that the average trip cost for an insured cruise vacation so far this year is $6,367, an increase of nearly 15% from before the pandemic. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship.
One caveat is most policies will only cover cars, not trucks or even vans, so be sure to read the fine print or call your insurance provider for clarification before you reserve your rental vehicle. Read the description of coverage to find out what percentage of your trip deposits are reimbursed under this type of "cancel for any reason" terminology. Most policies max out the coverage at 75 percent of the trip costs, but some cover as little as 50 percent.
In fact, 13% of "billing reasons" for claims to Allianz are for common carrier delays (such as a flight delay), while weather and natural disaster-related claims account for about 3%. During the second week, he developed severe bronchitis and was treated for four days in the ship’s clinic. We called our daughter (back at home), who immediately contacted Travel Guard on our behalf to start the claims process--which was seamless.
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