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Cruise travel insurance

Compare and find a great deal on cruise travel insurance

Compare and find a great deal on cruise travel insurance

Compare and find a great deal on cruise travel insurance

Compare and find a great deal on cruise travel insurance

Update your previous quote
Update your previous quote

Compare and find a great deal on cruise travel insurance

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Should I consider specialist cruise travel insurance?

Specialist cruise travel insurance is a type of cover that is geared towards the things that might happen while you are on a cruise - such as transport to a hospital if you take ill while at sea or missed port stops.

Taking a cruise is a great way to holiday. Many people love the idea of waking up in a different place every day and enjoying life at sea. That makes it even more important to take a cruise-specific travel insurance policy so that you can head off on your adventure with the peace of mind that you have cover.  

Our guide to cruise travel insurance should help to answer any questions you might have.



As of 23rd Match 2020, the UK Government announced a series of restrictions to travel, public spaces and gatherings. For a minimum of three weeks, people are being instructed to stay at home whenever possible. For this reason, travel insurance policies purchased from this date, for trips within the UK with a start date before 13th April 2020, will not be valid.
The UK Government also instructed all British tourists and travellers, that are currently abroad, to return to the UK as soon as possible.
As of 17th March 2020, the Foreign and Commonwealth Office (FCO) have advised against all non-essential travel abroad for an initial period of 30 days. This means that any travel insurance purchased from this date, for trips outside of the UK with a start date before 16th April 2020, will not be covered by the provider.
Coronavirus was declared a pandemic on 11th March 2020, so this may also affect your policy, particularly those taken out on or after that date. Please check any existing policies carefully, to find out what you’re covered for.
For more information please see our coronavirus and travel insurance page.

Frequently asked questions

What does cruise travel insurance cover?

The main benefit of getting cruise travel insurance will be to cover the specific risks and activities associated with this type of holiday. 

Policies do vary from provider to provider, but most should include:

  • emergency medical treatment costs, including emergency helicopter transfers, hospital and ambulance fees, and cover to get home if you can’t use your original ticket.  
  • missed port cover protects you if a planned destination visit is cancelled because of bad weather or timetabling. In other words, if you miss out on an island or city that you were looking forward to visiting, you’ll get some money back.
  • cabin confinement cover means that you can claim a payment if you have to stay in your cabin due to illness. (You would need to have been confined to cabin by the ship’s medical officer to claim.)
  • unused excursions protection should pay out if you miss an excursion because of an accident, injury or illness. This might only apply to excursions you choose at the point of booking your cruise, not ones you have booked since being on board.   
  • cover for the cost of a friend or relative staying with you while you’re treated or flying out from home to support you if needed.
  • cover if you lose your baggage or its contents (or they’re stolen), and refund you if the trip has to be cancelled or cut short for some reason.
  • cancellation or curtailment – useful if your trip is cancelled or cut short.

What’s a European Health Insurance Card (EHIC)?

If you need medical treatment while cruising in Europe, the European Health Insurance Card (EHIC) means you can get medical treatment at the same cost as the locals.  

The EHIC isn’t a substitute for travel cover; it won’t pay for getting you home or other costs linked to a medical emergency.  

Be aware, that it’s valid in most but not all European countries. However, if you’re going on a cruise outside of the EU, there’s no EHIC so it can be expensive to get medical support. 

Will the countries my cruise visits affect the price of my insurance?

The countries you visit while on holiday could well impact on the price of your cruise travel insurance.

For example, the following countries all have a high level of private health care, therefore it costs more to receive treatment there. As a result, you might find it’s more expensive to get cover if you’re visiting any of these countries:

To give you an idea of the costs of medical care and repatriation, when a UK traveller recently suffered a stroke in the USA, £768,000 was paid to cover the medical costs, including £60,000 for an air ambulance back home.

Who are you travelling with?

You can get cruise travel insurance:

If you’re including other people in your cruise insurance, you’ll need their dates of birth and details of any pre-existing medical conditions they might have to get an accurate quote.

Bear in mind too, that a group premium will be affected by the ages and health of other participants, so if one person is over 80, for example, it may work out cheaper to get that person an individual policy.

What if I have a pre-existing medical condition?

It’s important that you list any pre-existing medical conditions and give insurance providers all the information they need. Otherwise, you might be charged more by your provider or not be covered.

If your insurance provider discovers that the medical emergency on your trip was linked to a condition you already had, they could refuse to pay your bills or add a cost.

Make sure you mention any conditions such as high blood pressure or diabetes in your quote; you could be risking thousands of pounds if you don’t.

What are the top 3 tips when choosing cruise travel insurance?

Before picking your cruise travel insurance policy, bear the following three top tips in mind:

  • Check cabin confinement daily amounts – if you can’t leave your cabin you could be able to get £15-£1,000 a day. Some providers cover the cost of missed excursions too.
  • Find the right cancellation refund – make sure you choose a policy that covers the cost of your cruise, as payouts can range from £250-£25,000.
  • Choose the right cover limits – to cover all eventualities, we recommend the minimum amount of medical cover you should choose is £1m for Europe and £2m for the rest of the world.

Where can I compare cruise travel insurance quotes?

Let us help you find the right cruise travel cover policy for you. Simply compare cruise travel insurance and get a quote in minutes. 

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