Best Cruise Travel Insurance

Table Of Content

• Best for cancel for any reason coverage
• Is there a difference between travel insurance and cruise insurance?
• Why purchase your cruise travel insurance plan through Travel Guard?
• Trip Cancellation
• Best for pre-existing conditions
• Best Cruise Travel Insurance, Cancel for Any Reason Coverage: John Hancock Insurance Agency
• What's Not Covered?

One is that you can maximize the length of your trip cancellation coverage. For example, if you buy a travel insurance policy three months before your departure and get seriously injured a week before you leave, you can file a trip cancellation claim. Comparing cruise insurance plans can be confusing and takes a lot of time and effort. At TripInsurance.com, our travel insurance comparison makes it easy to compare different plans and plan features to get the cruise trip insurance you need at the lowest cost available. Whether you need travel insurance specifically for cruises depends on the provider. While some travel insurance companies specify that policies provide coverage even if you’re on a cruise, others may exclude cruises from standard travel plans.

Best for cancel for any reason coverage

What’s more, a cruise vacation is unique in that the medical facilities offered on the ship will likely not be able to handle a serious medical emergency. And if your flight is delayed and you arrive after the cruise ship leaves port, it’s not like you can ask the ship to wait for you. You’ll need to fly to the next port and without travel insurance and you’ll be paying out of pocket for those flights.

Is there a difference between travel insurance and cruise insurance?

You can opt for a comprehensive travel insurance policy, which may offer Cancel for Any Reason (CFAR) coverage, or you might prefer to limit your costs and choose just the coverage you need. For example, you might choose standalone trip cancellation insurance or a travel medical insurance policy but decide you don’t need coverage for missed connections or baggage. We were quoted $100.50 for a 55-year-old cruising Alaska for John Hancock Insurance Agency’s Silver plan, which reimburses up to 75% of your trip cost under Cancel for Any Reason coverage. It also offers coverage for COVID-19 medical and cancellation, trip cancellation and interruption, and medical expenses and evacuation with primary coverage. We got a quote for just $30.27 from Aegis for a 22-year-old cruising the Bahamas.

Why purchase your cruise travel insurance plan through Travel Guard?

Plus, a host of other general issues can scuttle a vacation, such as the illness or death of a family member, cancellation of plans by a travel companion, job loss, airline delays and lost baggage. 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. 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.

What Cruise Insurance Covers

Also, if you are a senior traveler of 70 years or more, you must include the Silver Nomads add-on to your policy, which may push your cost of cruise insurance upward unnecessarily. If you’re planning a high-value cruise trip and would like more coverage, Berkshire Hathaway also offers LuxuryCare, a more expensive policy for luxury travelers. It’s not cruise-specific, but it provides similar coverage to WaveCare with the added benefit of concierge service and $100,000 in medical insurance coverage. Whether you’re taking a cruise domestically or internationally, one way of giving yourself peace of mind while out on the open water is by having the best cruise travel insurance.

Not all policies offer pre-existing coverage, but among those that do, each insurer dictates its own coverage window. The deadline is usually 10 to 15 days after making that final payment -- or after booking your airfare, if you do that first. You can purchase insurance plans up to 24 hours before your trip departure date, but we don't recommend waiting that long. If you do wait, you may not be eligible for many important benefits, such as the waiver of the pre-existing conditions clause. Always comparison shop, looking at what amounts of coverage you get for what price.

Best for pre-existing conditions

Nationwide offers three cruise insurance plans with varying coverage limits. Each plan also includes missed connection coverage and reimbursements for itinerary changes. In this article, we’ll provide comprehensive information on our top picks for cruise insurance plans. We’ll also detail what to look for in a cruise insurance policy, average costs and whether coverage is worth considering.

Best Cruise Travel Insurance, Cancel for Any Reason Coverage: John Hancock Insurance Agency

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You might need to cancel a cruise in advance due to the sudden onset of an illness, such as COVID-19 or the flu. Or, maybe you fall ill during the cruise and need emergency medical attention. Maybe your flight to your ship gets canceled, and you miss the vessel's departure. Or your ship is late arriving in port at the end of a voyage, and you miss your flight home. If your plans include the rental of a vehicle, car-rental collision coverage can be useful.

What's Not Covered?

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For this reason, it’s best to check the terms of your coverage before purchasing a policy. 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.

It can also cover additional expenses you incur unexpectedly on a cruise, including emergency medical bills and costs related to baggage loss. If you’re concerned about COVID-19 derailing your cruise travel plans, getting cruise travel insurance with COVID-19 coverage is essential. The battleface Discovery Plan covers COVID-19 cancellation and medical expenses, along with regular trip cancellation, medical evacuation, and medical emergency coverage. AXA's Silver Plan is the company's entry-level offering, with more value added than most budget insurance options — most notably the company's concierge service. Coverage under this plan includes robust trip cancellation and interruption coverage, both at 100% of the costs, along with $100,000 for emergency medical evacuation. Cruise insurance provides you with money back for nonrefundable trip expenses, which can help you recoup a portion of your costs if you need to cancel at the last minute.

We were quoted $58.87 for a 40-year-old traveler cruising to Costa Rica with plans to zipline. It covers trip cancellation and interruption, medical expenses, medical evacuation, and adventure sports with some exclusions, such as diving and adventure races. Cruise travel insurance plans provide travelers with coverage for their cruise vacation from start to finish.

With a range of pricing and coverage options available, you can feel confident that you can find a policy to suit your travel needs. 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. A comprehensive travel insurance plan will package additional benefits such as travel delay insurance, baggage insurance and missed connection travel insurance. Generali’s Premium policy provides very good benefits at a decent average price.