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Cruise Insurance: Why You Need It + 4 Best Options for 2024

travel safe cruise insurance

Seven Corners »

travel safe cruise insurance

Travelex Insurance Services »

travel safe cruise insurance

AXA Assistance USA »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Cruise Insurance Plans.

Table of Contents

  • Seven Corners
  • Travelex Insurance Services

Cruise vacations come with the same considerations as any other trip, including the potential for trip cancellations, trip interruptions, unforeseen medical expenses and even a need for emergency medical evacuation. Add in the potential for unruly weather during hurricane season , and it's easy to see why cruise insurance plans are so popular and recommended.

Read on to find out which cruise travel insurance plans U.S. News recommends and how they can protect the investment you made in a cruise when something goes wrong.

Frequently Asked Questions:

All cruise insurance plans are unique, and some have different coverages than others. However, most travel insurance plans for cruises cover the following:

  • Trip delays, interruptions and cancellations: This kind of coverage is essential any time of the year, but especially during hurricane season when storms can impact your travel plans. 
  • Protection for medical emergencies: This type of coverage can help pay for unexpected medical bills if you're injured on board the ship or hurt during a shore excursion. You can also choose a cruise insurance plan that covers emergency medical evacuation from the ship or to the nearest hospital.
  • Coverage for lost or delayed baggage: Coverage for baggage is important for cruises just like any other trip. This type of insurance can pay for essential items you need to buy if your bags are lost or stolen and don't make it on the ship. 

With each of these protections, a coverage limit is listed with your plan. This means you may get reimbursed for your losses or prepaid travel expenses up to this limit, but only when a covered reason applies to your claim.

One of the main reasons to buy cruise insurance is for medical emergencies. Note that, once you're on a cruise ship or visiting a destination outside the United States, your own U.S. health insurance plan will not apply. The same truth applies if you have government health coverage like Medicare.

You can purchase cruise insurance through your cruise line, but these plans are often very basic with low limits for medical expenses and other coverages. For example, cruise line travel insurance policies often come with just $25,000 in coverage for emergency medical expenses and up to $50,000 in coverage for emergency medical evacuation, which may not be enough.

Fortunately, you can buy cruise insurance from any travel insurance provider when planning this type of trip. By buying coverage from an independent travel insurance provider instead of your cruise line, you get to select the exact coverages and limits you need for the best protection possible.

  • Seven Corners: Best Overall
  • Travelex Insurance Services: Best for Families
  • AXA Assistance USA: Best for Medical Emergencies
  • Berkshire Hathaway Travel Protection: Best Cost

Plan is cruise-specific

Get coverage for missed cruise connections and tours

Medical expense coverage is secondary if you opt for lower-tier Basic plan

  • Up to 150% in reimbursement for trip interruption
  • Up to $250 per person, per day in trip delay coverage ($2,000 maximum)
  • Up to $250 per day in missed tour or cruise connection coverage ($1,500 maximum)
  • Primary emergency medical expense coverage worth up to $500,000
  • Medical evacuation and repatriation of remains coverage worth up to $1 million
  • Political and security evacuation coverage worth up to $20,000
  • Up to $2,500 in protection for baggage and personal effects (limit per item of $250)
  • Up to $100 per day ($500 maximum) in coverage for baggage delays of six hours or more

Travel Select plan offers coverage with pricing for kids included

Customize your plan with additional medical coverage, adventure sports coverage and more

Only $1,000 in coverage for baggage and personal effects

$200 maximum coverage for baggage delays

  • Trip cancellation coverage worth up to 100% of total trip cost (maximum $50,000)
  • Trip interruption coverage worth up to 150% of trip cost (maximum $75,000)
  • $2,000 in trip delay coverage for a delay of at least five hours ($250 per day)
  • $750 in coverage for missed connections (delay of at least three hours required)
  • Emergency medical expense coverage worth up to $50,000 (dental emergency sublimit of $500 included)
  • Emergency medical evacuation coverage worth up to $500,000
  • $1,000 in protection for baggage and personal effects
  • Up to $200 in coverage for baggage delays (at least 12-hour delay required)
  • Travel assistance services

Provides comprehensive coverage for all aspects of cruising

High policy limits for medical expenses and emergency evacuation

Does not offer cruise-specific travel insurance

  • Trip cancellation coverage up to 100%
  • Trip interruption protection up to 150%
  • $1,250 in travel delay coverage ($300 per day)
  • $1,500 in protection for missed connections
  • Emergency accident and sickness coverage up to $250,000
  • Emergency medical evacuation coverage up to $1 million
  • Nonmedical emergency evacuation coverage up to $100,000
  • $50,000 in accidental death and dismemberment coverage
  • Baggage and personal item coverage up to $3,000
  • Baggage delay coverage worth up to $600

Comes with enhanced medical and luggage benefits, protections for cruise ship disablement, and more

Cruise delay coverage kicks in after five hours

Baggage delay coverage is only for $200 and doesn't kick in for 24 hours

No option to purchase CFAR coverage

  • Up to $75,000 in protection for emergency medical care
  • Emergency evacuation and repatriation of remains coverage worth up to $750,000
  • Cruise cancellation coverage for 100% of trip cost up to $25,000 per person
  • Cruise interruption coverage for 150% of trip cost up to $37,500 per person
  • Cruise delay coverage worth up to $1,000 ($200 per day for delays of five hours or more)
  • Missed connection coverage worth up to $500 (for delay of three hours or more)
  • Cruise ship disablement coverage worth up to $500
  • Up to $1,500 in coverage for baggage and personal effects

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel, travel insurance and cruises for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries, some of which have included cruises all over the world. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

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9 Best Travel Insurance Companies of March 2024

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The average cost of a cruise varies by ship, destination, trip length and more. Use this guide to learn more about cruise costs.

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This cruise packing list includes all of the essentials – plus items you didn't know you needed.

travel safe cruise insurance

The 12 Best All-Inclusive Cruises for 2024

When most of the extra costs are paid before you sail, you can truly enjoy your cruise.

  • Nationwide Travel Insurance
  • AXA Assistance USA
  • Seven Corners Travel Insurance
  • HTH Worldwide Travel Insurance
  • World Nomads Travel Insurance

Cruise Travel Insurance Tips

  • Why You Should Trust Us

Best Cruise Insurance Companies of March 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Travel is full of the unexpected, which can be part of the fun. But your risks grow exponentially when you get on the high seas for a cruise vacation. Sea sickness can be the least of your worries should something go wrong. So you'll want to ensure you have the best travel insurance coverage that won't expose you in an emergency.

Best Cruise Insurance Companies

  • Nationwide Travel Insurance : Best Overall
  • AXA Assistance USA : Best for Affordability
  • Seven Corners Travel Insurance : Best for Seniors
  • HTH Worldwide Travel Insurance : Best for Expensive Trips
  • World Nomads Travel Insurance : Best for Exotic Locations

Compare the Top Cruise Insurance Offers

Nationwide Nationwide Travel Insurance

  • Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
  • con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
  • con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

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. There's also baggage delay coverage and medical coverage.

  • Cancel for any reason coverage available

AXA AXA Assistance USA

  • Trip cancellation coverage of up to 100% of the trip cost
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
  • con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
  • con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

  • Silver, Gold, and Platinum plans available
  • Trip interruption coverage of up to 150% of the trip cost
  • Emergency medical coverage of up to $250,000

Seven Corners Seven Corners Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
  • con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
  • con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
  • Trip cancellation insurance of up to 100% of the trip cost
  • Trip interruption insurance of up to 150% of the trip cost
  • Cancel for any reason (CFAR) insurance available

HTH Worldwide HTH Worldwide Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
  • con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
  • con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
  • Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
  • Cancel for any reason insurance and missed connection insurance available with the Preferred plan
  • Baggage delay insurance starting after 24 or 12 hours depending on the plan

World Nomads World Nomads Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
  • con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
  • con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
  • con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
  • Coverage for 150+ activities and sports
  • 2 plans: Standard and Explorer
  • Trip protection for up to $10,000
  • Emergency medical insurance of up to $100,000
  • Emergency evacuation coverage for up to $500,000
  • Coverage to protect your items (up to $3,000)

Cruise Insurance Reviews

Best cruise insurance overall: nationwide travel insurance.

Nationwide Travel Insurance  is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

It has three cruise insurance options: Universal, Choice, and Luxury. The Nationwide Choice plan, for example, offers $100,000 in emergency medical coverage and $500,000 in emergency medical evacuation coverage.

The right plan for you depends on your budget and coverage needs. 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.

Nationwide Travel Insurance Review

Best Cruise Insurance for Affordability: AXA Travel Insurance

AXA Assistance USA  offers three comprehensive coverage plans: Gold, Silver, and Platinum. Each of these plans offers coverage for issues like missed flights, medical emergencies, lost luggage, and more.

The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.

In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise.

The coverage limits on AXA's policies are on the higher end compared to other providers. And you can buy coverage for a little as 4% of your trip cost depending on your age, travel destination, and state of residence.

AXA Travel Insurance Review

Best Cruise Insurance for Seniors: Seven Corners Travel Insurance

Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. While other providers do offer coverage to those 80+ years old, Seven Corners is known for its affordable premiums while offering above-average medical expenses and medical evacuation coverage limits — two areas of travel insurance coverage that are even more important as we get older.

Seven Corners also offers the option of a preexisting conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

You can choose between the RoundTrip Basic or RoundTrip Choice plans, with the higher-tier Choice plan costing more but providing more coverage.

Seven Corners Travel Insurance Review

Best Cruise Insurance for Expensive Trips: HTH Worldwide Travel Insurance

HTH Worldwide Travel Insurance  offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The higher the tier, the more coverage you'll get for things like baggage delays, trip delays & cancellations, and medical expenses. But their premiums remain reasonable even at the highest tier of coverage.

Not only does the HTH Worldwide Trip Protector Preferred plan offer higher-than-average medical emergency and evacuation coverage limits ($500,000 and $1 million, respectively), but you'll also get a baggage loss coverage limit of $2,000 per person and coverage for trip interruption of up to 200% of the trip cost. You also have the option to add CFAR coverage for an additional cost.

HTH Worldwide Travel Insurance Review

Best Cruise Insurance for Exotic Locations: World Nomads Travel Insurance

World Nomads Travel Insurance  has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too.

Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. And you'll get higher coverage limits with their Premium Plan. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues.

What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise.

World Nomads Travel Insurance Review

Introduction to Cruise Insurance

Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical.

Understanding the Basics of Cruise Insurance

At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage. Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference.

Why Cruise Insurance is Important

Picture this: You're all set for your dream cruise, but a sudden family emergency means you can't set sail. Or worse, you fall ill in the middle of the ocean. Without cruise insurance, you're not just missing out on an adventure, but also facing potentially huge financial losses. That's why securing cruise insurance isn't just recommended; it's a crucial part of your cruise planning.

Types of Cruise Insurance Coverage

Cruise insurance isn't a one-size-fits-all life jacket. There are various types of coverage, each tailored to protect different aspects of your cruise experience.

Trip Cancellation and Interruption Coverage

This coverage is like your safety net, catching you financially if you need to cancel your trip last minute or cut it short due to emergencies, be it due to personal, health-related, or even certain work conflicts.

Medical Coverage

Being on a cruise shouldn't mean being adrift from medical care. Medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances.

Emergency Evacuation Coverage

In the rare case that you need to be evacuated from the ship due to a medical emergency or severe weather, this coverage ensures you're not left adrift in a sea of expenses.

Baggage and Personal Effects Coverage

Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience.

Buying Cruise Insurance

Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs.

When to Purchase Cruise Insurance

Timing is everything. Purchasing your insurance soon after booking your cruise can often provide additional benefits and ensure you're covered for any early surprises. As you get closer to your trip your coverage options may get more expensive, and certain providers may not be able to offer you coverage.

How to Find the Best Deals on Cruise Insurance

Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like SquareMouth is a good place to compare multiple quotes from all of the major carriers at once.

How to Pick The Best Cruise Insurance for You

When buying travel insurance for a cruise, consider the additional risks that are specific to cruising. These include hurricanes and other weather-related concerns, strict cancellation terms, high pre-paid costs of a cruise, and the distance to emergency medical assistance.

To find the policy that's right for you, it's best to compare several different cruise insurance policies based on the pricing and coverage they provide. Remember too that all reputable insurance providers will offer a "free-look period." This allows you to return the policy you've purchased for any reason, within a specific time period, for a full refund.

The most important coverages to look for in cruise insurance are:

  • Medical coverage — This coverage will pay for medical bills outside the US. But because treatment can be more expensive while onboard, make sure your policy offers sufficient coverage ($100,000+).
  • Medical evacuation coverage — This coverage will transport you to the nearest hospital or even back home if you become sick or injured during your journey. But an evacuation from sea will be more expensive than one from land. So you'll want to make sure your coverage has sufficiently high limits ($250,000+).
  • Missed connection (missed port of call) coverage — This type of coverage will help you catch up to your itinerary if you miss your port of call for a covered reason, like a delayed flight on the way to the airport.
  • Coverage for hurricane warnings — With this type of coverage, you don't actually need to be affected by the hurricane. You can cancel and be reimbursed for your trip if the NOAA issues a hurricane warning. If you're cruising anywhere during (or on the tail ends) of hurricane season, this can come in handy. Just note: You can't buy travel insurance to cover a weather event once a storm or hurricane has been named.
  • Cancel for any reason (CFAR) — This is the most comprehensive coverage you can get, as it allows cancellations and reimbursement for pre-paid expenses for any reason. This can be a wise add-on for cruise coverage given the often higher prepaid expenses associated with cruising. See our guide to the best CFAR travel insurance options to learn more.
  • Preexisting conditions — This coverage ensures that no known health conditions are excluded from coverage.
  • Personal possessions insurance — Because of the events and fancy dinners cruise ships hold, you might take more valuable clothing or jewelry with you on a cruise. This type of coverage will insure your belongings against loss or theft while cruising.
  • Baggage loss and delay — This coverage will reimburse you up to a specified amount for essentials if your bags are delayed or if your bags get lost en route.

As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage. The price will vary depending on factors like your age, your travel destination, and whether you require additional coverage.

Yes, you can purchase cruise insurance after booking your trip all the way up to right before your departure. There might be a cutoff of a day or two before travel, so make sure you give yourself enough time to buy a policy.

You can buy your own cruise insurance that isn't offered directly through the cruise line operator. In fact, this could be a better option if you want coverage for your travel to the cruise's departure point, not just for the cruise itself.

The difference between standard travel insurance and cruise insurance is that cruise insurance offers more specialized coverage, for situations such as missing a departure port and more coverage for medical evacuations, since they are more involved at sea than on land.

Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim, and before you travel so you know what compensation you're entitled to.

Why You Should Trust Us: How We Chose the Best Cruise Travel Insurance

When comparing cruise travel insurance providers, we evaluated them based on the following criteria to come up with our list of top picks:

Customer Satisfaction

We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction.

Financial Stability

We check with sites like AM Best or S&P to check its financial stability. In short, is the company likely to be around 10 years from now?

Policy Types

We look at policy types from standard flight protection and baggage loss to cancel for any reason and sports or pet coverage.

Average Premiums

We compare average premiums per trip. Some companies also offer annual plans, and we compare policies accordingly.

Claims Paid

How frequently do companies pay claims easily and quickly? We check customer reviews and other resources to see which companies honor policies most effectively.

We look at the company's overall behavior. Is it operating ethically? Companies can earn additional points for such behaviors.

You can read more about our insurance ratings process here .

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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Smooth Sailing Ahead: Your Guide to Cruise Travel Insurance [2023]

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Smooth Sailing Ahead: Your Guide to Cruise Travel Insurance [2023]

Best Cruise Travel Insurance for Seniors: Seven Corners

Best cruise travel insurance with covid-19 coverage: battleface, best cruise travel insurance for young travelers: aegis, best cruise travel insurance for adventure tours: img, best cruise travel insurance, cancel for any reason coverage: john hancock insurance agency, what is cruise insurance, is cruise insurance worth it, cruise insurance costs, types of cruise insurance, what to look for in a cruise travel insurance policy, how to get cruise insurance, final thoughts.

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Taking a cruise is one of the easiest ways to travel, but cruising isn’t immune to unexpected hiccups. Sudden illness, travel delays, or other unforeseen events could cancel or interrupt your cruising plans — you might even need medical coverage. 

With cruise insurance, you’re covered for unexpected issues that can interfere with your travel plans . Read on to learn what cruise insurance is, how to get it, and how to find the best cruise insurance policies, whether you’re buying directly from the cruise line or a third-party insurance company.

The 5 Best Cruise Travel Insurance Policies

The right cruise insurance policy offers the coverage you need at a good price, but policies aren’t one-size-fits-all. We’ve run quotes for various coverage scenarios — from seniors to adventure tours — to find the best cruise insurance policies . 

Consider these travel insurance policies for your next cruise:

Seniors cruising the world can get comprehensive coverage from Seven Corners Travel Insurance . We were quoted $89 for a 70-year-old cruising Mexico . The Seven Corners Trip Protection Basic policy offers trip cancellation and interruption, medical coverage, and medical evacuation, along with COVID-19 cancellation and medical coverage.

Comprehensive travel insurance, regardless of your age, is widely available and relatively affordable. Check out our complete guide to travel insurance for seniors .

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. We were quoted $36.54 for a 35-year-old cruising Italy on this plan.

Young travelers often have the lowest-priced travel insurance policies. We got a quote for just $30.27 from Aegis for a 22-year-old cruising the Bahamas . The Aegis Go Ready Choice policy covers COVID-19 medical and cancellation, trip cancellation and interruption, medical evacuation, and medical expenses.

Are you planning adventurous excursions on your cruise? IMG’s iTravelInsured Travel Lite , with options for winter, adventure, and extreme sports, can give you the coverage you need. 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.

Your travel insurance might not cover everything you want to do — particularly if you plan on adventure activities. Here’s our complete guide to adventure and extreme sports travel insurance .

If you’re especially concerned you may need to cancel your cruise, Cancel for Any Reason coverage allows you to cancel your trip and receive partial reimbursement for nonrefundable trip expenses, even if you cancel for reasons not normally covered by trip cancellation coverage. 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.

Cruise insurance is travel insurance that covers cruises . It can help you manage all the what-ifs on your cruise. What if you need to cancel your booking? What if your flight is late? What if you get sick or hurt? Travel insurance for cruises can cover you for all of these things. 

Many travel insurance policies cover cruises, but cruise insurance may be tailored to the risks of cruises, covering transportation, accommodations, and activities. Getting travel insurance for cruises can offer peace of mind if you’re concerned about losing nonrefundable trip payments, travel delays, or covering emergency medical care.

Holland America Cruise ship in Alaska

Cruise bookings can be unforgiving, and cruise insurance can help you minimize your risk of losing the money you’ve paid for your trip. Travel insurance coverage is often a good idea if you’re concerned about losing nonrefundable prepaid travel expenses or covering emergency medical expenses . 

Because cruises are often less flexible than other types of travel, it’s generally a good idea to get cruise travel insurance. For example, you might be able to rebook a flight or hotel room, but if you cancel your cruise, you could lose your deposit or more. Often, cruise lines won’t offer any refunds if you cancel within a certain period before your cruise, such as 14 or 30 days .

Additionally, you shouldn’t expect your U.S.-based health insurance plan to cover you on your cruise, especially if you’re on an international cruise. And it’s exceptionally expensive if you need to be evacuated for a medical condition.

While everyone hopes for smooth sailing, the reality is a lot of unexpected issues could pop up on your cruise. Your flight to the cruise port could be delayed, you might get sick or injured on your cruise, or you might have to cancel the whole thing if illness or obligations prevent you from going on your cruise. A hurricane could interfere with cruising in storm hotspots such as the Caribbean and Gulf of Mexico. 

Cruise insurance can offer financial support for many unexpected problems you might experience with a cruise. And with a 24-hour travel assistance hotline , you can get knowledgeable help whether you need to find a local pharmacy or coordinate the replacement of lost travel documents such as your passport.

That said, you might have travel insurance coverage available with a credit card . Some credit cards offer travel insurance benefits such as trip cancellation and interruption, emergency medical treatment and evacuation, and travel delay coverage. Still, you should check the details of your credit card’s coverage to ensure it’s enough for your needs. 

Looking for a credit card with travel protections? Read our guide to the best credit cards for travel insurance coverage and protection.

Generally, expect cruise insurance to cost between 5% to 10% of the total cost of your cruise . For a $3,000 cruise, you’ll typically pay between $150 to $300 for comprehensive travel insurance coverage. But keep in mind several factors influence the cost of cruise insurance, including:

  • Add-ons, such as CFAR 
  • Coverage options 
  • Cruise cost 
  • Deductibles and limits 
  • Destination 
  • Group policies 
  • Traveler age 
  • Trip duration

Learn more about travel insurance costs in our guide to the average cost of travel insurance .

What Cruise Insurance Covers

Each travel insurance policy is unique, but travel insurance for cruise coverage typically includes:

  • 24/7 Assistance: You can get 24/7 support for itinerary changes, rebooking, medical emergencies, and more.
  • Baggage Protection: Your luggage is covered for loss, theft, or damage on your flight or during your cruise.
  • Cabin Confinement: You may get reimbursement if you have to stay in your cabin during your cruise, such as a required quarantine due to COVID-19.
  • Cancel for Any Reason: Usually available as an add-on, CFAR travel insurance allows you to cancel your cruise for any reason and receive a partial reimbursement of your nonrefundable travel expenses.
  • Itinerary Changes: You can get covered for changes in your cruise’s itinerary, missed port calls, or extended delays beyond your control.
  • Missed Connections: If you miss your cruise departure due to a flight delay or other covered reason, you can get reimbursed for your nonrefundable travel expenses.
  • Medical Emergencies: Cruise insurance can cover medical treatment on the cruise and may offer coverage for medical evacuation.
  • Trip Cancellation or Interruption: You can get reimbursed for your nonrefundable travel expenses if you cancel your cruise or end your trip early due to covered reasons such as illness or injury. You’re typically covered if the cruise line cancels due to mechanical issues, weather, or other unforeseen events.

Cruise-specific travel insurance may also offer reimbursement if your cruise ship is disabled. And if you want to cover shore excursions, be sure to include the cost of excursions in your total travel cost when you get quotes for cruise insurance.

While these coverage types are common among cruise insurance policies, checking the terms and conditions to confirm all coverage areas is a good idea.

There are many options for travel insurance, and you can generally choose as little or as much coverage as you’d like. 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.

Consider these factors as you compare the best cruise travel insurance policies:

  • Cancellation Window: Understand how many days before your cruise departure you must cancel to qualify for reimbursement.
  • Coverage Availability: Travel insurance policies typically offer cruise coverage, but it’s best to confirm that a policy specifically covers cruises before you purchase it. Also, consider availability for coverages that may be important to you, such as CFAR or adventure sports. 
  • Customer Reviews and Reputation: You can get insight into the insurance provider and how claims and customer service work by reading customer reviews and ratings.
  • Eligibility Criteria: Cruise insurance policies may have eligibility criteria such as limits on age or trip duration and preexisting conditions. For example, some travel insurance policies max out at 90 days.
  • Exclusions and Limitations: Read the policy to understand what’s excluded or limited specifically to cruise-related coverage, such as reimbursements for port closures, itinerary changes, or medical incidents on the cruise.
  • Policy Cost: Get multiple quotes and compare each cost and coverage value to ensure you get a good value for your cruise insurance policy.
  • Purchase Timeline: You’ll usually need to purchase your cruise insurance within a certain period of booking your trip, so be sure you’re buying your policy within that timeframe.
  • Reimbursement Structure: Review the cruise insurance policy to confirm how much you can be reimbursed for under qualifying circumstances, such as if you need to cancel or interrupt your trip.

Woman booking cruise travel with laptop 1

You can buy cruise insurance from the cruise line when you book, or a travel agent may offer cruise insurance plans. You also have the option to purchase cruise trip insurance independently. It’s a good idea to get multiple quotes to compare your costs and coverage and get the best deal on cruise insurance.

You should buy cruise insurance when you make your first deposit so you’re immediately covered for trip cancellation. Here are some of the options and coverages if you purchase cruise insurance directly from the cruise line:

Before you purchase cruise insurance from a cruise line, compare your third-party options. You can get quotes from multiple travel insurance companies at once using a travel insurance aggregator such as Squaremouth .

Even a meticulously planned cruise can run into unforeseen disruptions — and cruise insurance can come in handy for the unexpected.

Cruise insurance covers you for sudden illnesses, travel delays, and more, offering financial protection so you’re safeguarded against uncertainties. Whether you get cruise insurance from the cruise line or third–party insurance providers, understand your coverage and how it protects your investment in cruise travel.

Frequently Asked Questions

Does my health insurance cover me on a cruise.

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.

Are cruises covered under 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.

Can you buy cruise insurance after booking?

You can buy cruise insurance after booking. It’s generally best to purchase cruise insurance as soon as possible after making your initial trip deposit — when you have money on the line. The sooner you purchase cruise insurance, the sooner you’re covered for trip cancellations.

Can you buy medical insurance for a cruise?

You can buy medical travel insurance to cover your medical expenses on a cruise, offering coverage such as medical emergencies, illnesses, and injuries.

How do I add travel insurance to my cruise?

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.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Cruise travel insurance: What it covers and why you need it

Gene Sloan

What does cruise travel insurance cover? And does it pay to buy cruise travel insurance?

The answer is not always clear-cut, as we'll discuss in this guide. But consider this: It's not always smooth seas when it comes to cruising. Even the best-laid plans for a cruise vacation can sometimes be thrown off course by an unexpected event.

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.

In all of these situations, you might benefit from having cruise travel insurance — keyword "might."

Cruise insurance policies vary widely, and not every policy covers every type of mishap. That's why it always pays to read the fine print in a travel insurance policy before you purchase it to know what you're getting in advance.

It's also why you should read this introduction to everything you need to know about cruise insurance. It has many details, but the next time something unexpected happens on your cruise vacation, you'll be glad to be educated and covered by a comprehensive travel insurance policy.

What does travel insurance cover when you cruise?

The typical cruise insurance policy covers a wide range of circumstances that can go wrong in conjunction with a vacation at sea — both before and during the sailing.

For starters, policies often will reimburse you for the cost of canceling a cruise due to a last-minute crisis. They will also often cover costs related to an interruption of a cruise (maybe your ship breaks down, requiring you to fly home mid-voyage ). These two elements are known as trip-cancellation and trip-interruption insurance, and they are bundled into a typical travel insurance policy.

Some policies will also cover out-of-pocket costs related to a flight delay or cancellation that results in you missing your cruise departure (for instance, the cost of catching up to the ship at its next port). Expenses related to baggage delays and loss are often covered as well.

But perhaps most importantly, many travel insurance policies will cover medical expenses you incur while on a cruise. Some will even cover the cost of evacuating from a foreign destination if you are in the midst of a medical crisis.

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.

travel safe cruise insurance

Those percentages include illness and accidents that happen to cruisers just before a trip, making travel impossible. But, in many cases, such claims result from illness and injuries that occur during voyages.

"People often take risks during vacation that they might not take back home, whether riding a jet ski, zipping around on a motorized scooter in a city they don't know well or hiking unfamiliar terrain," James Page, senior vice president and chief administration officer of AIG Travel, told TPG .

Some policies also cover the financial default of a travel provider. In such cases, if your cruise line goes out of business before you sail, you could get all — or at least some — of your money back.

Cruise travel insurance policies don't cover everything. For instance, standard travel insurers generally will not reimburse you for the cost of a cruise you cancel due to worries about an outbreak of an illness. That's true even if a U.S. government agency such as the U.S. Centers for Disease Control and Prevention issues a recommendation that you don't cruise due to an illness outbreak, as it did during the COVID-19 pandemic .

If you want the ultimate flexibility to cancel for such a reason or any other, you'll want to look into a more expensive cancel for any reason travel insurance upgrade.

Related: Avoiding outbreaks isn't covered by most travel insurance policies

Where to find a cruise travel insurance policy

You can buy a travel insurance policy directly from your cruise line when booking your trip or through your travel agent (if you're using one, which often is a good idea when booking a cruise). You also can go directly to a third-party travel insurance provider or a travel-insurance aggregator site, such as InsureMyTrip or TravelInsurance . Your credit card might even give you some travel protections.

Here's what you need to know about each type of cruise travel insurance.

Third-party insurance companies

Third-party insurance companies that specialize in writing travel insurance include AIG Travel, Allianz Travel Insurance, Travelex Insurance and American Express Travel Insurance.

One reason to use a travel agent or a travel aggregator: They can help you find a policy that offers added coverage specific to cruising.

Related: The Points Guy's guide to the best travel insurance companies

"Many plans now offer benefits that will specifically appeal to cruise travelers, such as missed connection, missed port-of-call and cruise disablement coverage," Stan Sandberg, cofounder of TravelInsurance.com, said.

Missed connection coverage reimburses cruisers for a set dollar amount if they need to rebook travel to catch up with their cruise at the next port. 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.

Cruise disablement coverage pays a benefit if the traveler is confined on a ship for more than five hours without power, food, water or restrooms.

As noted, policies vary widely. It's a good idea to compare plans and make sure the one you buy has the elements that are most important to you. One size doesn't fit all.

Credit cards with travel benefits

Some premium credit cards offer valuable travel protections comparable to what you might get from a standard travel insurance plan. For example, the travel insurance provided when you pay for travel with select cards can reimburse you for expenses if your baggage is damaged, you're stranded overnight due to a flight delay or cancellation, or you have to return home to handle a family medical emergency.

The Chase Sapphire Reserve card, for example, offers trip delay reimbursement, trip cancellation and interruption insurance, emergency medical coverage and even medical evacuation coverage , among other benefits. And yes, cruise lines are considered common carriers just like airlines.

If you're planning to rely on a card like the Chase Sapphire Reserve or The Platinum Card® from American Express * (among others) for travel insurance, just be sure to recheck your card's benefits and limits carefully against regular travel insurance. You must pay for at least part — and sometimes all — of the trip with that credit card to take advantage of its protections.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

Related: The best credit cards for booking cruises

Find out if your credit card protection includes travel accident insurance or covers preexisting medical conditions, and figure out when it will pay you back. Other questions to ask: What are the coverage limits? Will you have to pay for a foreign hospital bill upfront and then seek reimbursement later?

Cruise lines

Cruise lines often ask consumers booking a cruise to buy the line's own protection at the time of purchase. If specifics about the coverage are lacking, always ask the line for details in advance, review coverage perks and limits; then, compare those to one or two independent travel insurance policies or your credit card's insurance benefits.

Related: A beginners guide to picking a cruise line

Cruise line travel insurance policies sometimes have quirks. Many cruise companies will only offer a travel voucher or credit for future use in the event of a covered cancellation, not an outright refund.

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.

Cruise line policies also can be more restrictive.

"Cruise line insurance seems to have become better and has more widespread coverage than in the past, but it typically won't cover air or pre- and post-travel [arrangements] unless those elements are purchased through [the line]," said Debra Kerper, a Cruise Planners travel adviser from Carrollton, Texas, who books travel and sells private insurance. "This is when private insurance coverage becomes so very important."

How much does cruise insurance cost?

Expect to pay anywhere from 4% to 8% of your total prepaid, nonrefundable trip expenses for a travel insurance policy. That's a wide range, we know, but it reflects the wide range of products out there.

You'll also find some basic plans that cost even less than 4% of your trip expenses, while some super-premium plans that cover just about any conceivable issue can cost as much as 12% of your trip expenses.

Related: What's included in your cruise fare?

All reputable insurance companies will offer a "free-look period" during which you can receive a 100% refund on your premium. This allows you to review the policy you've selected and return it for any reason within the period allotted — usually for a small administration fee of less than $10.

travel safe cruise insurance

Under normal circumstances, you don't need to purchase a so-called "cancel for any reason" add-on to your cruise travel insurance policy unless you really need the flexibility. The upgrades are significantly more expensive.

You can receive a quote and purchase a policy online in minutes with any credit card. Although you may think travel insurance should code as "travel" when paid on a credit card and thus be eligible for bonus points on certain cards, that isn't always the case. Your points earnings will depend on the individual underwriter's merchant code. When in doubt, expect the purchase to fall under the insurance category for earnings.

Should I buy travel insurance for a cruise?

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? Could you afford an evacuation flight from a far-off port if you suddenly became seriously ill? Only you can answer those sorts of questions.

Here are some things to consider as you make that decision.

You might not be covered by regular medical insurance while cruising

If you're a U.S. citizen traveling internationally (which will be the case for most cruises), you may find that most private medical insurance plans in the U.S. won't cover you.

Additionally, Original Medicare only covers people traveling outside U.S. borders in limited circumstances.

While certain Medicare Supplement Plans do have some foreign emergency medical benefits, not all do. Be sure to talk to your Medical Supplemental Plan provider to see if you're covered, what's covered, what the limits are and how the bill is paid.

Also note that, in some countries (particularly those in Central and South America), travelers may not be discharged from a hospital until their bill is paid in full.

Related: Trip wrecked: 7 ways to prepare for any kind of travel disaster

Plus, if you have a medical incident overseas, you could find yourself stuck in a shared hospital room without air conditioning or a private bathroom. The level of care may not be what you expect.

"For people traveling internationally, it's crucial to know beforehand where to go for any treatment … and how they're going to pay for that treatment," Page said.

Getting evacuated for a medical condition is expensive

Most airlines won't accept seriously ill passengers, those carrying bulky medical equipment or those requiring a full medical team.

Even a low-cost weekend getaway on a cruise to the Bahamas out of Miami can turn costly if you suffer a serious accident or illness requiring medical treatment or an emergency medical evacuation.

Related: Do cruise ships have doctors, nurses, medical centers or hospitals?

Being flown back to the U.S. from a far-flung overseas location in a private, medically equipped aircraft, with a professional medical team on board, can run between $70,000 and $180,000, according to Mike Hallman, president and CEO of Medjet, a medical transport membership company.

"Domestic transports, which we cover as well, can cost upwards of $30,000," Hallman said.

Without proof of medical evacuation coverage, foreign providers will also want that money upfront. Hallman said that regular travel insurance will typically get you to an acceptable overseas hospital and even to a higher-level care facility if "medically necessary." Alternatively, medical evacuation coverage means you can fly home to your own hospital, doctors and family — without claim forms, cost caps on transports or surprise bills.

The tandem approach — buying both travel insurance and a separate medevac transport membership — is a good option, Hallman said.

"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. "We pick up where they leave off."

You can't predict the weather

Cruising is a great way to explore multiple destinations in one trip. But it's good to remember that unexpected delays, interruptions or cancellations due to weather can happen during cruises, particularly during hurricane seasons in places such as the Caribbean and Asia (where hurricanes are called typhoons).

travel safe cruise insurance

During a typical hurricane season (June 1 to Nov. 30), Allianz pays about 6,000 claims from customers whose travel plans in the Caribbean, Gulf of Mexico and southeastern U.S. are affected by the storms, according to a spokesperson for Allianz Global Assistance USA.

If you're hoping to insure against a storm-related disaster, it's good to buy travel insurance as early as possible. Once a storm or hurricane is named, it's too late to buy travel insurance to cover it.

Of course, cruise lines will move ships away from a weather threat. When the port lineup is adjusted or the cruise shortened, the company will offer the guest an onboard credit, onboard gift or future cruise credit rather than any refund. It depends on the circumstances of that specific voyage. You won't be able to make a claim on your cruise travel insurance policy just for a minor itinerary change .

Related: Everything you need to know about cruising during hurricane season

Costs can mount quickly when things go wrong

Even if the cruise line does provide a full or partial refund or cruise credit for an itinerary change or some other interruption, travelers could have to swallow the cost of other travel elements not purchased through the line. That could include nonrefundable flights , prepaid resort or hotel nights, nonrefundable tour fees and more.

Travel insurance can cover those, plus help with flight delays or cancellations, baggage loss or theft.

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.

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%.

The government probably won't bail you out

While cruise ships have medical facilities, they're usually not equipped to treat serious illnesses. If you experience a serious medical problem on a vessel, you may have to get off the ship in a foreign port to seek treatment at a hospital. In such a case, if you don't have medical evacuation insurance, you may then find yourself stranded in that port awaiting a medical evacuation.

Don't expect Uncle Sam to step in and help foot the bill.

The U.S. Department of State's Bureau of Consular Affairs clearly states the importance of buying travel insurance.

"The U.S. government does not provide medical insurance for U.S. citizens overseas," the bureau says on the website. "We do not pay medical bills. You should purchase insurance before you travel."

travel safe cruise insurance

You may need more assistance than you think

If you're injured or become severely ill during a cruise, especially in a foreign country, it may be difficult to access help without the assistance of trained professionals that comes with many insurance plans.

Many travel insurance companies provide around-the-clock assistance with locating overseas clinics and pharmacies, getting to a doctor or hospital, refilling lost or depleted prescriptions, assisting with up-front payments to hospitals, and arranging flight changes so you can get home.

Travel insurance companies also can arrange for an air ambulance, a nurse escort, oxygen and a lie-flat seat on a flight home if your medical condition warrants it.

You want to be careful if you have preexisting conditions

When you cruise, it's important to be fully covered, which means having comprehensive medical coverage that includes any preexisting conditions. Otherwise, if you head into a doctor's office overseas, have any tests completed, or visit an urgent care center or emergency room, you might not be covered.

Here, timing is extremely important. 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. The timing varies by insurer.

Bottom line

Cruise insurance isn't for every traveler — or even for every sailing. It's not inexpensive. However, it can bring a lot of peace of mind if you're about to head out to sea. Do your homework, compare plans and always assess the risks.

Planning a cruise? Start with these stories:

  • The 5 most desirable cabin locations on any cruise ship
  • The 8 worst cabin locations on any cruise ship
  • A quick guide to the most popular cruise lines
  • 21 tips and tricks that will make your cruise go smoothly
  • Top ways cruisers waste money
  • 12 best cruises for people who never want to grow up
  • The ultimate guide to what to pack for a cruise
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Is Cruise Travel Insurance Worth the Cost?

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Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What is cruise travel insurance?

What does cruise travel insurance cover typically, how much is travel insurance for a cruise, do i need it if i have other travel protections, is cruise travel insurance worth it.

Cruise travel insurance covers the cruise itself, not related travel.

It's usually purchased through the cruise operator, typically before booking.

Check to make sure your credit card doesn't offer similar insurance before buying cruise insurance.

Cruising is one of America's favorite travel experiences. According to a 2021 report from Cruise Lines International Association, an industry trade association, 82% of cruisers will cruise again. As well, 62% of non-cruisers are open to the idea.

And why not? Cruises often give travelers the chance to experience multiple destinations plus enjoy onboard entertainment, activities and dining for a set, all-inclusive price . Cruises simplify budgeting in a year when travel prices have been hard hit by inflation .

But what happens if something goes wrong with your ship, or you can’t make it onboard because of health concerns? Cruise travel insurance might be the answer. It protects your payment and covers you against illness or injury.

Before you pay for a cruise travel insurance policy, here's a look at what it is, how it works and if it's worth it.

Cruise travel insurance is add-on insurance coverage that — just like travel insurance — will reimburse you for delays, interruptions, medical situations or other problems during the cruise.

Depending on which cruise line you're traveling with, you might be able to buy a travel insurance policy when booking your trip (through the cruise line directly) or at a later date (either through the cruise line or separately from a third party).

Protecting travel costs can be a smart money move. 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.

Can you buy travel insurance after booking a cruise? It depends. Some cruise lines require the purchase of a travel insurance policy before the final payment date when charges become nonrefundable. Others require the purchase of coverage a certain number of days before departure. Read the fine print to find out the deadline to purchase and the specifics of its coverage.

Circumstances covered by cruise travel insurance vary by policy and by issuer. Many cruise lines partner with an insurance company to underwrite its policy benefits.

Some common benefits available as part of travel insurance from a cruise line include:

Trip cancellation and interruption . If you cancel your trip or unexpectedly cut it short for an eligible reason, such as severe weather or illness, you'll get back some or all of the upfront costs, depending on the policy.

Cancel For Any Reason . This coverage tends to be more flexible, forgiving and expensive at time of purchase. Policyholders can cancel for any reason not listed in the policy and still receive a portion of their trip cost back, either as cash or as a future cruise credit (assuming they meet other eligibility requirements).

Trip delay . Cruise delay insurance protection protects expenses if your trip is delayed beyond a set number of hours.

Baggage protection . This insures your luggage if it is lost, stolen, damaged or delayed, and gives money to buy necessary items until bags are recovered.

Medical coverage . If you get sick or injured during the trip, the policy covers treatment and related expenses up to a limit.

Emergency evacuation . When emergency evacuation is necessary, the policy covers the transport cost up to a limit.

COVID coverage . If your trip is canceled or interrupted due to COVID, the policy covers the unused prepaid expenses, medical treatment and emergency evacuation, up to policy limits.

When comparing policies, choose a policy that includes all of the benefits, protections and coverage limits that are important to you. While you may be tempted to choose the lowest-priced option, that policy may not have the coverage you need.

We examined cruise insurance prices for a seven-day trip in February 2023 from the U.S. to Mexico. The example traveler was 35 years old, from Georgia, and planned to spend $2,500 on the trip, including airfare.

The average price of each company’s most basic coverage plan was $124. These policies didn't include optional add-ons, such as Cancel for Any Reason coverage or coverage for pre-existing medical conditions .

Separately, we looked at five different cruise insurance add-ons for a similar trip. With this option, the average cost of basic coverage was cheaper than a standalone policy at $111.20. Keep in mind that cruise insurance policies offered by cruise lines typically cover the cruise portion of the trip only, but do include some Cancel For Any Reason coverage.

If you already have a standalone travel insurance policy or a credit card with travel protections, you may wonder if you need to purchase a cruise travel insurance policy.

Credit card travel insurance

Many travel credit cards include travel protections such as trip cancellation, interruption, delayed or lost luggage reimbursement, and emergency evacuation benefits. Before buying a cruise travel policy, compare the coverage benefits and limits to determine if you already have coverage with a credit card.

One benefit that cruise travel insurance policies offer that credit cards don't is the ability to cancel for any reason. Although you may not get back 100% of the cruise price, these policies allow you to cancel for any reason and get a portion of the price back as a credit toward a future trip. If the policy is priced low enough, it may be worth buying the insurance offered through your cruise line for that benefit alone.

Travel insurance policy

Standalone travel insurance policies can be purchased to cover one person or a family for a specific trip or multiple trips within a period of time. These policies are available at a variety of price points to meet a traveler's budget. When comparing policy options, you can balance price versus coverage options.

If you're traveling multiple times within a short period of time, it may be more economical to buy a more comprehensive travel insurance policy instead of separate policies for each trip.

Cruise travel insurance can be worth it to address your concerns about traveling and protect your investments. These policies offer numerous protections that will cover your expenses in case your trip is canceled, interrupted or delayed, or if you get sick during the trip.

Before buying this coverage, compare your options against your credit card benefits. You might also shop for general travel insurance policies to see if you can get a better deal than what’s offered through your cruise line.

If you’re not covered by your credit card, cruise travel insurance can be worth the added cost. It will give you peace of mind before setting sail, when signing up for that adventurous land excursion and when clicking "Book" for an expensive vacation in the COVID travel landscape.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Finding the best travel insurance for your cruise

A happy couple on a cruise ship. The husband is holing the wife as they look over the water.

You've worked your socks off for this cruise. You've put in long hours, stored your vacation time and adhered to a strict budget. A well-planned cruise is something to be proud of, so when the time comes to embark sit back and enjoy the fruits of your labor. As long as no kinks are thrown into the plan. When you work this hard throughout the year, the last thing you expect is a trip cancellation, or worse — a medical emergency. But these circumstances can arise and, as many travelers who have experienced them will tell you, it is always a good idea to buy travel insurance for a cruise.

Download our free hurricane warning benefit guide here. 

So, how do you do it? How do you find the best cruise insurance for your trip? Well, read more for some insight.

How to Find the Best Travel Insurance for Your Cruise 

1. know the different kinds of policies available .

Primary or secondary? Supplier or third-party provider? Those are all terms you may come across when planning a cruise. Be sure to clarify which type of policy you are buying, what the differences are and which offers more comprehensive coverage.

Think of primary travel insurance as the extrovert. They are the person to show up early and they are the last to leave. This policy is a real people person, the kind that likes to make sure everything is set up smoothly and ends well. They'll even help with clean up after the party is over! A primary travel insurance policy will start on the effective date of coverage and end when your trip does. Your primary policy will also be the first company you go to when filing a claim. Even if you have coverage through your normal health care provider, primary plans will cover your medical expenses. A good plan won't have a deductible either.

Secondary 

Think of secondary travel insurance policy as the introvert, the person who shows up late and leaves when the first opportunity arises. Sure, they will help clean up messes along the way, but only after you've checked your other resources. A secondary policy will have your back but you first have to try and collect on any private insurance policies or cruise line refunds before the trip. Sometimes, there is even a deductible for medical expenses and you even have to make an attempt to go through your health insurance provider, even if you know they don't cover you abroad.

A supplier plan is one offered by the cruise line or tour operator. It would be purchased from them and insure the trip that is being taken with them. There are a few issues with this, however. Cruise lines cannot insure against their own bankruptcy or default and often times can only provide future discounts or credits instead of claims that are paid in cash.

Read a full article on Supplier and Third Party Travel Insurance here . 

Third-Party Provider 

A third party provider is not affiliated with the cruise line or tour operator. For instance, someone like TravelSafe. The policies tend to have broader coverage, higher benefit limits, and offer cash-back benefits. That's an all around win. 

2. Make sure key benefits are included

When you quote cruise insurance, you should look for policies that offer inclusive coverage. À la carte policies appear to have a lower cost because they allow you to pick and choose your benefits. This can cost you in the end. When shopping à la carte policies, cruisers are more likely to bypass plans with Primary Medical and Emergency Assistance in hopes of saving a few dollars. You don't think medical evacuation coverage is necessary, that is until you need a medical evacuation.

3. Purchase your policy when the first deposit is paid 

You should quote cruise insurance while you are in the process of planning your trip. This will allow you to anticipate the costs upfront and include them in the overall budget. Purchase the insurance when you are ready to make the first trip deposit. Many travel insurance policies have time sensitive provisions. Those same provisions can limit coverage for pre-existing conditions, the bankruptcy of a cruise line and cancel for any reason. Pay attention to the time constraints during the booking process and you will have more luck maximizing your coverage.

4. Know what's not covered ahead of time 

You know what they say about those who make assumptions. Like most things in life, it is never good to assume — especially when it comes to an insurance policy. But then why do we still see this happen regularly during the claims process? 

Many times we will receive a call from a traveler who assumed their claim would be covered. Learn about the limits of the different policies before purchasing one. It will save you a massive headache in the future. 

TravelSafe Insurance Customer Service representative is ready to help today!

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SafeCruise ®

A travel protection plan designed for cruise trips.

SafeCruise ® Plan Information

The SafeCruise Plan is suitable for Cruise Travelers. This plan features coverage for trip cancellation, trip interruption, emergency medical evacuation and offers significant coverage for unexpected events. For cruisers seeking benefits for cancellation due to non-covered events, SafeCruise features an optional "cancel for any reason" benefit which will reimburse up to 75 percent of prepaid, non-refundable trip costs.

Plan Features

Optional cancel for any reason, primary medical coverage, home-to-home coverage, emergency travel arrangements, emergency services, covid-19 medical coverage.

The Unique Advantages of SafeCruise

The Unique Advantages of SafeCruise ®

Although there are many different travel plans available for cruises, the SafeCruise Plan has some distinct advantages over some of the other cruise specific coverage options.

Want to travel but still have Covid concerns? SafeCruise offers medical coverage for Covid-related issues.

  • COVID-19 Screening Test
  • COVID-19 Emergency Medical Evacuation
  • Repatriation of Remains

SafeCruise ® Benefits

  • Trip Cancellation Coverage up to 100%
  • Trip Interruption is up to 150% of Trip Costs
  • Sickness & Accident Medical Coverage up to $250K
  • Emergency Medical Evacuation Coverage up to $1million

Safe Cruise - Brochure

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If you’re a licensed insurance agent, travel insurance advisor, or travel retailer, you could grow your online presence and increase your sales by adding SafeCruise Trip insurance to your portfolio! Partner up with VisitorsCoverage to get seen by thousands of travelers searching for cruise coverage. Sign up today!

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Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

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Travel Insurance

TravelSafe travel insurance review 2024

Mandy Sleight

Heidi Gollub

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:07 a.m. UTC Nov. 13, 2023

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Best for missed connections

TravelSafe

Top-scoring plan

Medical limit per person, medical evacuation limit per person, what you should know.

If you’re worried that missed connections could disrupt your trip, it’s worth considering TravelSafe. Some travel insurance companies only provide missed connection coverage for cruises and tours, but TravelSafe doesn’t impose that restriction.

  • Best-in-class $2,500 per person in missed connection coverage.
  • $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
  • Generous $2,500 per person baggage and personal items loss benefit.
  • Most expensive of the top-scoring travel insurance plans.
  • No “interruption for any reason” coverage available.
  • Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe travel insurance overview

TravelSafe insurance offers two travel insurance plans: Basic and Classic. Upgrading to the Classic plan increases your coverage to best-in-class missed connection and medical evacuation benefits. The TravelSafe Classic plan receives a 5-star rating in our analysis of the best travel insurance plans .

TravelSafe’s optional coverages include protection for rented sports equipment, cars and business equipment. With the Classic plan, you can also add “cancel for any reason” coverage that reimburses you for up to 75% of your nonrefundable insured trip expenses.

We break down both plans in this TravelSafe travel insurance review, including sample pricing and common exclusions.

TravelSafe travel insurance plans

TravelSafe offers two travel insurance plans to choose from: Basic and Classic. While both plans provide coverage for travel arrangements, medical, belongings and worldwide travel assistance, there are key coverage differences between the two. The Classic plan also offers additional benefits you won’t find in the Basic plan.

TravelSafe Basic plan

  • Trip cancellation. The TravelSafe Basic insurance policy includes trip cancellation insurance for 100% of your prepaid, nonrefundable travel expenses, up to $10,000 per person. 
  • Trip interruption. This plan also provides up to 100% trip interruption for nonrefundable trip costs. 
  • Missed connections. If you miss your trip connection by more than three hours, the Basic plan will reimburse up to $500. 
  • Trip delay. For trip delays longer than six hours, you’ll receive up to $100 daily for covered expenses, or a maximum of $1,000. 
  • Travel medical. The Basic plan provides up to $35,000 for accident and sickness travel medical insurance and up to $750 as primary coverage for dental expenses. 
  • Emergency medical evacuation. The plan covers up to $100,000 in emergency medical evacuation expenses or repatriation of remains. 
  • Baggage. You get up to $500 reimbursement for baggage and personal effects reimbursement for covered losses. The policy will pay up to $100 if your bags are delayed more than 12 hours. 

TravelSafe Classic plan

The TravelSafe Classic plan is the same as the Basic plan, with enhanced benefits.

  • Trip cancellation and interruption. You’ll get up to $100,000 per person for trip cancellation and up to 150% of the non-refundable insured trip cost for trip interruption.
  • Missed connections. The Classic plan will reimburse up to $2,500 if you miss a connection by over three hours.
  • Trip delay. The trip delay coverage reimburses up to $150 per day with a maximum of $2,000 for delays over six hours.
  • Travel medical. The medical coverage in the Classic plan offers the same $750 dental expense sub-limit but increases the accident and sickness medical coverage up to $100,000.
  • Emergency evacuation. There is up to $1 million in medical evacuation and repatriation of remains. There is also coverage of up to $25,000 for political or security evacuation and natural disaster evacuation. If you are accidentally dismembered or killed during your travel within 24 hours outside of being on a flight, the Classic plan will provide up to $25,000.
  • Baggage. For baggage and personal effects, you’ll get up to $2,500 instead of the $500 with the Basic plan. And baggage delay coverage increases up to $250 if delayed 12 hours or more.
  • Pet kennel. The Classic plan includes up to $100 per day for pet kennel coverage.

Other coverage options offered

TravelSafe insurance offers several optional coverages that some travelers may find beneficial.

“Cancel-for-any-reason” (CFAR) coverage

TravelSafe’s “cancel for any reason” coverage allows you to expand the reasons you can cancel your trip. If you cancel the trip at least two days before your departure date, you can be reimbursed for up to 75% of the prepaid, nonrefundable trip cost.

This option is only available on the Classic plan and is unavailable to New York residents.

Extended personal property benefits

This optional add-on coverage extends your baggage and personal effects coverage. With this coverage, if you rent sports equipment for your trip and it’s damaged by a common carrier, lost or stolen, you can receive up to $1,000 reimbursement. It also will pay if the equipment is delayed on a common carrier by at least 12 hours.

This coverage also provides up to $1,000 in coverage for items typically not included, like:

  • Professional or occupational equipment or property.
  • Telephones.
  • PDA devices.
  • Computer software or hardware.

This optional coverage is available on both plans. There is a $100 deductible if you file a claim. 

Air flight only accidental death & dismemberment (AD&D)

Air flight AD&D coverage is available on both the Basic and Classic plans. You can choose up to $100,000, $250,000 or $500,000 in coverage. This add-on coverage pays only if you are a passenger on a regularly scheduled common carrier or chartered flight.

The plan pays according to the loss type. For example, losing one hand, foot or eye means you’ll only get 50% of the coverage. But if you lose two limbs, eyes or your life, the policy will pay the maximum sum. 

Rental car damage

TravelSafe offers optional rental car damage on both plans, which will pay up to $35,000 per covered vehicle. Some examples of covered losses include vandalism, windstorms, collision or theft. The add-on coverage excludes exotic car rentals.

What TravelSafe doesn't cover

Travel insurance plans have exclusions to coverage, so it’s a good idea to check the fine print to know what your plan won’t cover. Here are some TravelSafe insurance plan exclusions:

  • Being under drug influence except when prescribed by a physician.
  • Driving or riding in races.
  • Taking part in adventure or extreme activities, including endurance, speed competitions or events.
  • Diving when not certified or in the presence of a divemaster.
  • Elective procedures or treatments.
  • Routine physical exams or dental care.
  • Mental, nervous or psychological conditions or disorders unless partially or completely hospitalized.

TravelSafe travel insurance rates

Methodology

Our insurance experts reviewed 42 aspects of 53 policies to find the best travel insurance plans. We used data provided by Squaremouth, a travel insurance comparison provider. For companies offering more than one travel insurance plan, we shared information about the highest-scoring plan (or two, in case of a tie).

Some companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to get travel insurance quotes to see your full range of options.

The factors we scored out of a possible 100 points include the following.

Cost: 30 points. We scored the average cost for each travel insurance policy for a variety of trips and traveler profiles:

  • Couple, age 30 for an eight-day trip to Mexico costing $3,000.
  • Couple, age 30 for an eight-day trip to Mexico costing $3,000, with CFAR coverage upgrade.
  • Couple, age 40, for a 17-day trip to Italy costing $6,000.
  • Couple, age 40, for a 17-day trip to Italy costing $6,000, with CFAR coverage upgrade.
  • Family of four, for a 17-day trip to Italy costing $15,000.
  • Family of four, for a 17-day trip to Italy costing $15,000, with CFAR coverage upgrade.
  • Couple, age 65, for a 17-day trip to Italy costing $6,000.
  • Couple, age 65, for a 17-day trip to Italy costing $6,000, with CFAR coverage upgrade.
  • Couple, age 70, for an eight-day trip to Mexico costing $3,000.
  • Couple, age 70, for an eight-day trip to Mexico costing $3,000, with CFAR coverage upgrade.

Medical expenses: 15 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with travel medical expense benefits of $250,000 or more per person were given the highest score of 15 points.

Medical evacuation: 15 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 15 points.

“Cancel for any reason” upgrade: 5 points. We gave travel insurance plans with the option of a “cancel for any reason” upgrade 5 points.

Trip interruption travel insurance: 5 points. We gave 5 points to travel insurance plans that offer trip interruption reimbursement of 150% or more.

Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in at six hours or less.

Baggage delay required waiting time: 5 points. We gave 5 points to travel insurance policies with baggage delay benefits that kick in at 12 hours or less.

Pre-existing medical condition exclusion waiver: 5 points. We gave policies that cover pre-existing medical conditions if purchased within a required timeline 5 points.

Non-medical evacuation: 5 points. If a policy provided coverage for non-medical evacuation, such as for political or security reasons, we gave it 5 points.

Cancel for work reasons: 5 points. If a plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.

Employment layoff: 5 points. Travel insurance policies that allow you to cancel your trip because of layoff at a company where you have worked for one continuous year scored 5 points. If a plan requires that you had the job for more than a year to qualify, no points were given.

TravelSafe insurance review FAQs

Yes, TravelSafe travel insurance covers COVID-19 as any other type of sickness. The policy coverage, limits and exclusions may vary by your specific TravelSafe plan. Be sure to review your TravelSafe insurance policy before traveling to know how COVID-19 is covered, how to make a claim for COVID-19 and what you have to do to get your claim approved.

TravelSafe insurance does offer an optional upgrade to  “cancel for any reason” coverage if you buy the Classic plan. The TavelSafe Classic policy will reimburse up to 75% of your non-refundable trip cost if you purchase a TravelSafe plan within 21 days of your initial trip payment or deposit. This option is not available in New York. The Basic plan does not offer “cancel for any reason” coverage. 

TravelSafe considers any disease, illness or condition you received or were recommended to receive examination, testing or medical treatment within 60 days of your insurance plan’s effective date as a pre-existing condition. 

TravelSafe will waive the pre-existing medical condition exclusion if you purchased your policy within 21 days of making your initial trip deposit or payment and were not deemed disabled from travel when purchasing your policy. 

This pre-existing conditions exclusion waiver is available in all states for the Classic plan. With the Basic plan, however, the waiver is only available for residents of Florida, Missouri, Kansas, Virginia and Washington.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy Sleight

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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More From Forbes

How to save money on travel insurance if you’re over 60.

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Getting travel insurance when you're over 60 can be hard. Here's how to make it easier.

Dave Dzurick likes to play it safe when he travels, so he shops around for travel insurance. But lately, he's noticed that the policies have gotten more expensive.

"Each year past 60 seems to increase travel insurance rates," says Dzurick, a retired broadcast engineer from Tucson, Ariz.

It's not just his imagination.

"Age is the crucial underwriting factor in determining trip cancellation and medical assistance risk for the insurance provider," explains John Rose, the chief risk and security officer of ALTOUR .

Age is more important than ever in travel insurance

You would expect something like age-based pricing to be a constant in the travel insurance industry, but not necessarily. Some group travel insurance policies don't consider age. But a shift is underway.

Last year, when Travelex Insurance Services launched its new line of travel protection plans , it called out one enhancement: competitive age-band pricing, which bases its rates on each traveler’s risk level.

"We’re responding to the coverage and benefits our partners and travelers want," notes Brooke Kirby, Travelex vice president of marketing.

In other words, the rate you pay for travel insurance will be more closely aligned with your age than ever. That's good news if you're young. But if you're over 60, it can present a challenge.

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Google suddenly reveals surprise android update that beats iphone, ukraine has developed 15 kinds of long range strike drone and has sortied them against russia s oil industry, what is age-band pricing in travel insurance.

Rhonda Abedsalam, vice president of Travel Insurance at AXA Partners US , says age-band pricing is a mechanism designed to align prices with the real risks associated with each age group.

"It provides a fair and balanced approach to travel insurance," she says.

Specifically, this method offers younger travelers access to more affordable options, preventing them from bearing the brunt of a one-size-fits-all pricing strategy. She says older travelers who are looking for lower rates can choose plans offering minimal coverage for a cost-effective solution.

"We always advocate for choosing a plan that balances affordability with comprehensive coverage," she says.

That's a position the US Travel Insurance Association (USTIA) agrees with. When I asked about age-band pricing, a representative advised me that it’s important to understand the plan you are purchasing — what is and isn’t covered — and the level of medical expense and medical evacuation limits offered.

"Never purchase based on price alone," says Robert Gallagher, USTIA's president.

Your travel insurance rates may vary

Pricing travel insurance based on age makes sense, say experts.

"There's a higher risk for claims, primarily due to health concerns," explains PK Rao, CEO of INF Visitor Care .

How much more expensive? Consider medical insurance. A 65-year-old U.S. citizen, for example, might pay $9 a day for international travel insurance with a $1 million coverage limit. On the other hand, an 85-year-old American might pay $31 a day for that same insurance policy, according to Joe Cronin, CEO of International Citizens Insurance .

"Fortunately, there are more affordable options for seniors who are more budget-conscious," he says.

How to lower your travel insurance rates if you're over 60

"The easiest way to lower your costs would be to Benjamin Button it and get younger," jokes Michal Wieczorek, global client relations and intelligence specialist at Insured Nomads .

Seriously, though, he says choosing higher deductibles and lower medical maximums can cut your insurance costs. He says some insurers specialize in benefits for older travelers but cautions buyers to be careful.

"Read the fine print, because certain benefits may decrease or be eliminated above certain ages, especially things like accidental death and dismemberment and evacuation benefits," he adds.

There's a difference between retail travel insurance and group insurance, adds Dan Skilken, president of Tripinsurance.com.

"Retail travel insurance policies are price-sensitive based on age, trip cost, and the length of the trip," he says. "Commercial policies sold through cruise or major tour companies are generally not priced based on age."

In other words, sometimes older travelers can get a better price going through the cruise line or tour operator for travel insurance. But here again, buyers need to be careful, he adds, since some of those policies may lack essential coverage.

How one customer saved money on travel insurance after age 60

Dzurick says he's not deterred by the higher rates because he knows the value of travel insurance.

"For me, one way to save on travel insurance is to get a separate medical rider covering only the basics," he says.

A bare-bones policy would cover only essential items like medical care when you're abroad and emergency evacuation, but would omit some of the other features of travel insurance like coverage of lost luggage or trip interruption.

There's another method Dzurick likes. He checks with his employer-provided insurance to see if it will offer coverage.

"My former employer recently changed insurance plans for retirees, and it turns out the new policy provides coverage worldwide," he says. "So there's no need for any additional coverage."

Some travel insurance companies offer reduced coverage for older travelers. For example, INF has policy maximums up to $250,000 for policyholders who are older than 70 to ease the concerns of travelers.

"You can also take a fixed benefit option which offers lower payments, but still has evacuation benefits," notes Rao.

Cronin says there are budget-friendly options for U.S. seniors traveling outside the U.S. He likes Trawick Safe Travels USA Comprehensive Insurance and Atlas Travel Medical, both of which offer affordable options for seniors traveling to the U.S.

Another travel insurance hack: the two-policy option

Another way to get affordable coverage with a decently high policy maximum if you’ve aged out of the coverage you prefer is to purchase two travel medical insurance plans, according to James Nuttall, general manager of Insubuy .

"Each plan is considered secondary to the other, and they can share the load for claims involving large medical expenses," he explains.

For instance, a plan offering $250,000 worth of coverage may not be in the budget for your age group. But two plans offering $100,000 worth of coverage each might be.

"Just keep in mind that each plan must be from a different insurance company," he adds. "You can’t just purchase two of the same plans."

Pro tip: If you decide to go down this road, work with an experienced travel advisor who knows how two insurance policies would work together.

Other ways to save money on travel insurance if you're over 60

There are other ways to save money, according to Daniel Durazo, director of communications at Allianz Partners USA .

Consider an annual travel insurance policy

Purchasing an annual travel insurance policy can be a smart choice for those who have more than three trips planned in a year, says Durazo. Unlike a one-trip plan, an annual plan protects all of your trips in a 365-day period, which can save you money, rather than insuring each trip separately. Annual policies are sometimes offered at a flat rate, meaning your cost may not increase with age and trip cost.

Buy a plan that includes more

For example, some travel insurance policies include children at no additional charge. That includes Allianz’s OneTrip Prime and OneTrip Premier, both of which cover children aged 17 and younger when traveling with a parent or grandparent.

Focus on trip cancellation benefits for U.S. trips

Durazo says trip cancellation benefits may cover the cost of canceling your trip if you encounter a situation covered by your policy. These benefits can reimburse you for prepaid, nonrefundable trip costs if you have to cancel your trip at the last minute for a covered reason. They're among the most frequently used benefits for U.S. trips (often, medical expenses are covered by your health insurance plan).

Get a plan with post-departure benefits if you're going abroad

Post-departure benefits can kick in as soon as you begin your trip. They can include coverage for travel delays, baggage loss or damage and baggage delay, according to Durazo. It can also include emergency medical and emergency transportation benefits, which are highly recommended for overseas travel.

Age-band pricing is more pervasive than ever in travel insurance. If you're headed somewhere this summer, make sure you know all of your options before you buy a policy.

Christopher Elliott

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Travel Insurance Russia

Russia country guide.

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Quick Facts

Region: Europe Full Name: Russian Federation Capital City: Moscow Language Spoken: Russian, many minority languages

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Geographic data

60 00 N, 100 00 E

Elevation Extremes

lowest point: Caspian Sea -28 m highest point: Gora El'brus 5,633 m

Land boundaries

total: 20,096.5 km border countries: Azerbaijan 284 km, Belarus 959 km, China (southeast) 3,605 km, China (south) 40 km, Estonia 294 km, Finland 1,340 km, Georgia 723 km, Kazakhstan 6,846 km, North Korea 19 km, Latvia 217 km, Lithuania (Kaliningrad Oblast) 280.5 km, Mongolia 3,485 km, Norway 196 km, Poland (Kaliningrad Oblast) 232 km, Ukraine 1,576 km

Natural hazards

permafrost over much of Siberia is a major impediment to development; volcanic activity in the Kuril Islands; volcanoes and earthquakes on the Kamchatka Peninsula; spring floods and summer/autumn forest fires throughout Siberia and parts of European Russia

Natural resources

wide natural resource base including major deposits of oil, natural gas, coal, and many strategic minerals, timber note: formidable obstacles of climate, terrain, and distance hinder exploitation of natural resources

arable land: 7.17% permanent crops: 0.11% other: 92.72% (2005)

Environmental current issues

air pollution from heavy industry, emissions of coal-fired electric plants, and transportation in major cities; industrial, municipal, and agricultural pollution of inland waterways and seacoasts; deforestation; soil erosion; soil contamination from improper application of agricultural chemicals; scattered areas of sometimes intense radioactive contamination; groundwater contamination from toxic waste; urban solid waste management; abandoned stocks of obsolete pesticides

Northern & Central European Russia: The most varied climate; mildest areas are along the Baltic coast. Summer sunshine may be nine hours a day, but winters can be very cold. Siberia: Very cold winters, but summers can be pleasant, although they tend to be short and wet. There is considerable seasonal temperature variation. Southern European Russia: Winter is shorter than in the north. Steppes (in the southeast) have hot, dry summers and very cold winters. The north and northeastern Black Sea has mild winters, but heavy rainfall all the year round.

Time difference

time difference: UTC+3 daylight saving time: +1hr, begins last Sunday in March; ends last Sunday in October note: Russia is divided into eleven time zones

142,893,540 (July 2006 est.)

Age structure

0-14 years: 14.2% (male 10,441,151/female 9,921,102) 15-64 years: 71.3% (male 49,271,698/female 52,679,463) 65 years and over: 14.4% (male 6,500,814/female 14,079,312) (2006 est.)

total: 38.4 years male: 35.2 years female: 41.3 years (2006 est.)

Population growth rate

-0.37% (2006 est.)

9.95 births/1,000 population (2006 est.)

14.65 deaths/1,000 population (2006 est.)

Net migration rate

1.03 migrant(s)/1,000 population (2006 est.)

at birth: 1.06 male(s)/female under 15 years: 1.05 male(s)/female 15-64 years: 0.94 male(s)/female 65 years and over: 0.46 male(s)/female total population: 0.86 male(s)/female (2006 est.)

Life expectancy at birth

total population: 67.08 years male: 60.45 years female: 74.1 years (2006 est.)

Total fertility rate

1.28 children born/woman (2006 est.)

Business Practices

Business meetings are typically formal and Russian businessmen largely stick to numerous formalities. For example, to address a Russian by his first name, unless invited to do so, may be considered an insult. If the guest speaks Russian, they should be sure to use the vy (formal) form, not the ty (informal) form. Address Russians with their titles and their last names: "Chairman Mironov", "General Designer Medvedov". Many fledgling Russian entrepreneurs speak at least some English, but if business is outside of Moscow and St. Petersburg, or if you are dealing with large factories or institutes, it may be more difficult to find English speakers. At the end of a formal visit, Russians like to exchange gifts. Usually, a company manager may present a pin or pen with a company logo. The foreign visitor should also bring a small gift -- pens, pins, cups, or plates with company logos are probably the best. Office hours are 0900-1800 Monday to Friday.

Recent police statistics for Moscow report an overall decline in crime, though drug-related crimes, murders, and kidnappings have increased, and street crime, sometimes violent, remains a continuing problem. Nevertheless, crimes against foreigners is a problem, especially in major cities. Pickpocketings, assaults, and robberies occur frequently and at any time or place. The most vulnerable areas include underground walkways and the subway, overnight trains, train stations, airports, markets, tourist attractions, restaurants, hotel rooms, and residences, even when locked or occupied. Groups of children are known to assault and rob foreigners on city streets or underground walkways. Foreigners who have been drinking alcohol are especially vulnerable to assault and robbery in or around nightclubs or bars, or on their way home. Robberies may occur in taxis shared with strangers. Travelers have found it safer to travel in groups organized by reputable tour agencies. Thieves, known as 'banditry' in Russian also frequently target hotel rooms. The Ukraina hotel is the site of the most frequent reported crimes. The hotel administration has established a consistent pattern of allowing thieves free access and failing to cooperate in investigating complaints. One foreigner awoke on his first night in Moscow to find two thieves letting themselves into his room with a passkey. When they started to carry out his still packed luggage he confronted them and received a three-inch gash across his throat and two slit nostrils for his trouble. Instead of cooperating with the police, the hotel administration slandered the victim, saying he was entertaining prostitutes in his room. There have been sporadic attacks on foreigners by "skinhead" groups in some Russian urban centers. Many of these attacks appear to target university students, particularly those of Asian and African origin. Travelers are urged to exercise caution in areas frequented by "skinhead" groups and wherever large groups have gathered. Demonstrations occur frequently in Moscow and other cities. While these demonstrations have been peaceful and controlled, it is best to avoid such gatherings. Extortion and corruption are common in the business environment. Organized criminal groups target foreign businesses in many cities and have been known to demand protection money under threat of serious violence. Many Western firms hire security services, which have improved their overall security, although this is no guarantee. Small businesses are particularly vulnerable. Since the mid-1990's, several foreign business people have been attacked, kidnapped, and even killed. Extortion attempts should be reported to the Russian authorities and the businessperson's embassy or consulate. Business people who utilize local services for banking, security and medical treatment should limit the information provided to the minimum required, as reports have been received indicating that some individuals working in these sectors have passed confidential credit/financial, banking and medical information to organized crime gangs who use it to make extortion threats against foreigners.

While tourist facilities exist in Moscow and some other large cities, they are not developed in most of Russia and many of the goods and services taken for granted in other countries are not yet available. Moscow, St. Petersburg, Novgorod, Samara, Sochi and Vladivostok have western-style hotels, though priced at a premium compared with other major cities of the world. Outside the major cities, traditional Russian hotels often provide fairly modest accommodations, again for surprisingly high prices. It is possible to find remarkably well- appointed hotels in relatively small communities; it is also possible to find yourself temporarily without water or electricity when visiting other regions of Russia. As previously discussed, we recommend against staying at the Ukraina as foreigners staying there have often been victims of hotel theft.

Communications

Telephone IDD is available. Country code: 7. When dialing the Russian Federation from abroad, the 0 of the area code must not be omitted. Outgoing international code: 810. The Russian telecommunications system suffers from a lack of installed lines, outmoded switching equipment, and inadequate revenues to finance investment. The Ministry of Communications is dedicated to bringing the telecommunications infrastructure up to international norms as quickly as possible, and many multinational firms are vying for the opportunity to help in this undertaking. Although telephones, fax machines, and package delivery are available in Russia, they are often unreliable, especially outside the major cities (Moscow, St. Petersburg, etc.) and lengthy delays in service are not uncommon. International calls should be made through the hotel desk. Most international calls made from the cities of Moscow, St Petersburg and Nizhny Novgorod can be dialed directly, but in smaller cities and towns it may be necessary to go through the international operator and these should be booked well in advance. Post office hours: 0900-1900.

Electricity

is 220 volts AC, 50Hz. Electricity 220 volts AC, 50Hz.

Food And Dining

The kind of food visitors will eat from day to day depends on which city they are visiting and the time of year. Breakfast is often similar to the Scandinavian, with cold meats, boiled eggs and bread served with Russian tea. For the midday and evening meal the food is often more traditional, again depending on the region. National specialties: ? Kasha (porridge) is a staple breakfast dish, made with milk and oats, buckwheat or semolina. ? Blini (small pancakes filled with caviar, fish, melted butter or sour cream). ? Ponchiki (hot sugared doughnuts). ? Pirozhky (fried rolls with different fillings, usually meat). ? Borshch, a beetroot soup served hot with sour cream. ? Pelmeni (meat dumplings). Things to know: Drinks are ordered by grams or by the bottle. City-center bars close around midnight. National drinks: ? Chai (sweet tea served without milk). ? Vodka (often flavored and colored with herbs and spices such as zubrovka (a kind of grass), ryabinovka (steeped with rowan-tree berries), starka (dark, smooth, aged vodka) and pertsovka (with hot pepper). Posolskaya, Stolichnaya and Rossiskaya are popular brands. ? Krushon (cold 'punch'; champagne, brandy and summer fruit are poured into a hollowed watermelon and chilled for several hours). ? Nalivka (sweet liqueur made with fruit or berries). ? Nastoika is a fortified wine made of herbs, leaves, flowers, fruit and roots of plants with medicinal properties. Tipping: Hotels in Moscow and other large cities include a 10 to 15 per cent service charge. Otherwise 10 per cent is customary. Nightlife Theater, circus, concert and variety performances are the main evening entertainments. Tickets are available in advance or from ticket booths immediately before performances. Visitors should note that prices for foreigners are usually much higher than those paid by Russian nationals. The repertoire of theaters provides a change of program almost nightly. In the course of one month, 30 different productions may be presented by the Bolshoi Opera and Ballet Company. Details of performances can be obtained on arrival. Visitors should apply to the service bureau of their hotel. All of these establishments are open 0600-2200.

Entry departure requirements

Visa immigration information Passports Valid 10-year passport required by all. Note Whilst in the country, visitors must carry ID at all times. Rather than carry original documents, it is advisable to carry photocopies of passports and visas, which will facilitate replacement should either be stolen. Visas Required by all except the following, provided arriving from their country of origin: (a) nationals of CIS countries (except nationals of Georgia and Turkmenistan who do require visas); (b) nationals of Cuba for stays of up to 30 days; (c) nationals of Mongolia, provided visiting for purposes of business and holding letter of invitation and return tickets, or traveling as tourists and holding prepaid hotel vouchers; (d) transit passengers who are continuing their journey within 24 hours without leaving the transit area. Types of visa and cost Tourist, Business, Private and Transit: US$52 , if visa is processed in minimum eight working days. (Processing within three to five days costs US$103 ; next-day processing US$137 ; same-day processing US$155 ; processing within one hour US$206 ) An additional US$17 is payable for a double-entry visa. Multiple-entry: US$172 , standard six working days' processing (same-day processing costs US$258 ). Express: US$206 All French passport holders younger than 18 years pay half rate. Note (a) Nationals of some countries may have to pay a Consular fee in addition to the visa processing charges listed. Enquire at the Consulate or Consular section of Embassy for a list of nationals and prices. (b) Transit visas are required by all except passengers remaining in the transit zone of Moscow Sheremetievo airport for less than 24 hours. Validity Dependent on purpose of trip. Transit visas are valid for up to three days. Tourist visas are valid for up to one month. Private visas are valid for up to 90 days. Application to Consulate (or Consular section at Embassy); see Passport/Visa Information. Application requirements (a) Completed application form. (b) One recent passport-size photo stapled twice to upper-right corner of application form. (c) Passport valid for at least six months after visa expires, with at least two blank pages. (d) Fee, payable in cash only or postal orders for postal applications. (e) Postal applications must be accompanied by a large, pre-paid special delivery, self-addressed envelope. Tourist: (a)-(e) and, (f) Original tourist voucher (exchange order) issued by an authorized travel company stating their reference number, passenger names, dates of entry and exit, confirmation of payment, full itinerary, places to be visited, means of transportation and confirmation in Russian language. The voucher should be stamped and signed by an authorized person. (g) A standard tourist confirmation of acceptance (in the Russian language) issued by Russian tourist company or hotel accredited by the Ministry of Foreign Affairs in Russia, showing tourist reference number given by Russian Foreign Minister and names of applicants, full itinerary and dates of entry/exit. Private (for visiting relations or friends): (a)-(e) and, (f) Official original letter of invitation from Russian Ministry of Internal Affairs. Business: (a)-(e) and, (f) An official letter of invitation from company or organization in the Russian Federation responsible for visit, certified by the local branch of Russian Ministry of Internal Affairs. (g) An introductory letter from applicant's company stating purpose of visit, itinerary, dates of entry and exit, assuming financial responsibility for the visit and stating the companies to be visited. Transit: (a)-(d) and, (e) Original and copy of confirmed air ticket to and from the Russian Federation. Multiple-entry: (a)-(e) and, (f) Original and a copy of your confirmed air ticket to and from Russia. Note (a) Those who are traveling in groups (standard package tours, coach tours, international competitions and cruises) should submit all documentation to the tour operator making the travel arrangements. For visits to relatives/friends in the CIS, enquire at the Consulate for details of application procedures. (b) All travelers staying in the Russian Federation for longer than three days must register their visas through their hotel or sponsor. Private visitors must register with local police on arrival. For travel to Tajikistan, your invitation should be confirmed by the Ministry of Foreign Affairs of the Republic of Tajikistan. (c) French nationals should also have their previous three months' bank statements, medical insurance and a copy of their tickets. (d) German nationals and all other Schengen country nationals, plus holders of Israeli or Estonian passports, should have travel insurance valid in the Russian Federation. (e) USA passport holders are required to fill out a special visa application form. (f) Since February 2003, every foreign citizen is given a migration card free of charge when they cross the Russian border. They must fill in their personal data, terms, purpose of visit and prospective place of residence and present the card when applying for registration within three days of arrival. The migration cards must be handed back upon departure. Working days required One to 12, depending on type of visa. Postal applications take at least eight to 12 days to process. Applications for visas may not be made earlier than three months before departure. Visas should be submitted 0900-1200; visas submitted 1500-1600 will be charged at the Express Visa fee. Exit visas Exit visas are required by all passengers who want to leave the country and are normally issued together with the entry visa. If the exit permit has not yet been issued by the representative of the Russian Federation which issued the visa, aliens should obtain it two days prior to departure at the latest from the Intourist Service Bureau in their hotel. Temporary residence Enquire at Embassy.

HIV entry requirements

Test required for anyone staying longer than 3 months

Departure tax

Embassy of the Russian Federation in the UK 13 Kensington Palace Gardens, London W8 4QX, UK Tel: (020) 7229 2666. Website: www.great-britain.mid.ru Consular section: 5 Kensington Palace Gardens, London W8 4QS, UK Tel: (020) 7229 8027. Website: https://www.rusemb.org.uk/consular/ Opening hours: Mon-Fri 0900-1200 (visa submission), 1400-1800.

Embassy of the Russian Federation in the USA

2650 Wisconsin Avenue, NW, Washington, DC 20007, USA Tel: (202) 298 5700. Website: www.russianembassy.org Consular section: 2641 Tunlaw Road, NW, Washington, DC 20007, USA Tel: (202) 939 8907. Russian National Group in the USA 224 West 30th Street, Suite 701, New York, NY 10001. Tel: (646) 473 2233 or (877) 221 7120 (toll-free in USA). Website: www.russia-travel.com Because of the security situation in the North Caucasus, travelers are advised against all travel to Chechnya, Ingushetia, Dagestan and to the eastern and southern parts of Stavropol Krai that border Chechnya and Dagestan. Travelers are advised against all but essential travel to North Ossetia, Karachai-Cherkessia and Kabardino-Balkaria (including the Elbrus area). There is a high threat from terrorism in Russia, including suicide bombings in public places. Attacks have occurred most frequently in Moscow and in the North Caucasus. Travelers should be vigilant at all times and also watch out for pickpockets and street crime, especially in large cities and in busy areas, eg railway concourses. This advice is based on information provided by the Foreign, Commonwealth & Development Office in the UK. It is correct at time of publishing. As the situation can change rapidly, visitors are advised to contact the following organisaions for the latest travel advice: British Foreign, Commonwealth & Development Office Website: https://www.gov.uk/foreign-travel-advice/russia US Department of State Website: https://travel.state.gov/content/travel/en/international-travel/International-Travel-Country-Information-Pages/RussianFederation.html

Rouble (RUB) = 100 kopeks. Notes are in denominations of RUB1000, 500, 100, 50 and 10. Coins are in denominations of RUB10, 5, 2 and 1, and 50, 10, 5 and 1 kopeks.

Currency restrictions

The import and export of local currency is prohibited. The import of foreign currency is US$10,000 but sums greater than $3000 (or equivalent) must be declared. The export of foreign currency is limited to the amount declared on arrival.

Banking hours

Mon-Fri 0930-1730.

Currency exchange

Foreign currency should only be exchanged at official bureaux and authorized banks, and all transactions must be recorded on the currency declaration form which is issued on arrival. It is wise to retain all exchange receipts. Bureaux de change are numerous and easy to locate. Large shops and hotels offer their own exchange facilities. US Dollars in pristine condition are the easiest currency to exchange. It is illegal to settle accounts in hard currency and to change money unofficially.

Credit cards

Major European and international credit and debit cards, including Visa and Mastercard, are accepted in the larger hotels and at foreign currency shops and restaurants, but cash (in Roubles) is preferred. American Express cards may be turned down, but cash (in Roubles) is preferred. Check with your credit or debit card company for details of merchant acceptability and other services that might be available. ATM machines are widely available.

Travellers cheques

Cash is preferred. To avoid additional exchange rate charges, travelers are advised to take traveller's cheques in US Dollars.

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Dental care

Avoid dental treatment as the standards of care and hygiene cannot be guaranteed.

Medication Availability

Little international brand medication is available outside of Moscow or St Petersburg. If medication is required in these cities use the larger, reputable pharmacies where you are less likely to find counterfeits

Blood supplies

Screening is inconsistent in Russia, therefore blood supplies should be considered as unsafe

Medical facilities

Medical care is usually far below Western standards, with severe shortages of basic medical supplies. Access to the few quality facilities that exist in major cities usually requires cash payment at Western rates upon admission.

General caution

Recent medical and dental exams should ensure that the traveler is in good health. Carry appropriate health and accident insurance documents and copies of any important medical records. Bring an adequate supply of all prescription and other medications as well as any necessary personal hygiene items, including a spare pair of eyeglasses or contact lenses if necessary. Drink only bottled beverages (including water) or beverages made with boiled water. Do not use ice cubes or eat raw seafood or rare meat. Eat well-cooked foods while they are still hot and fruits that can be peeled without contamination. Avoid roadside stands and street vendors. Only pasteurized dairy products should be consumed.

Specific concerns

Press reports indicate increased incidences of diphtheria and other communicable diseases, and CDC reports a severe shortage of vaccines to combat these diseases. Health officials state the situation is particularly bad in the cities of St. Petersburg, Moscow, Krasnodar and Vladivostok, as well as in the Far East, including Primorsky, Maritime and Saratov regions. Travelers to Russia should be up-to-date on routine and recommended immunizations and are reminded to strictly follow food and beverage precautions. AIDS occurs. Blood supply may not be adequately screened and/or single-use, disposable needles and syringes may be unavailable. When possible, travelers should defer medical treatment until reaching a facility where safety can be assured. According to CDC, breakdowns in water purification plants have led to significantly higher rates of gastroenteritis, hepatitis A and bacterial dysentery. Also, a report from the country's Environment Ministry states that half of the country's population must rely on substandard drinking water. The intestinal parasite Giardia lamblia has been linked to St. Petersburg's water supply - which should be considered contaminated under all circumstances. Hikers should take protective measures against ticks.

Immunization

Hepatitis A: Consider active immunization with hepatitis A vaccine or passive immunization with immune globulin (IG) for all susceptible travelers. Especially consider choosing active immunization for persons planning to reside for a long period or for persons who take frequent short-term trips to risk areas. The importance of protection against hepatitis A increases as length of stay increases. It is particularly important for persons who will be living in or visiting rural areas, eating or drinking in settings of poor or uncertain sanitation, or who will have close contact with local persons (especially young children) in settings with poor sanitary conditions. Hepatitis B: Vaccination is advised for health care workers, persons anticipating direct contact with blood from or sexual contact with inhabitants, and persons planning extended stays of 6 months or greater (especially those who anticipate using local health care facilities, staying in rural areas, or having intimate contact with the local population). Japanese Encephalitis: Consider vaccination if staying a month or more in the far eastern maritime areas south of Khabarovsk from July to September, especially if travel includes rural areas. Also consider if staying less than 30 days during that period and at high risk (in case of epidemic outbreak or extensive outdoor exposure in rural areas). Polio: A one-time booster dose is recommended for travelers who have previously completed a standard course of polio immunization. Refer to CDC guidelines for vaccinating unimmunized or incompletely immunized persons. Pregnancy is a relative contraindication to vaccination; however, if protection is needed, either IPV or OPV may be used, depending on preference and time available. Typhoid: Vaccination should be considered for persons staying longer than 3 weeks, adventurous eaters, and those who will venture off the usual tourist routes into small cities, villages and rural areas. Importance of vaccination increases as access to reasonable medical care becomes limited. Contraindications depend on vaccine type. Note: All routine vaccines (such as DTP or Td, Hib, MMR, polio, varicella, influenza and pneumococcal) should be kept up-to-date as a matter of good health practice unrelated to travel.

Disease risk summary

Health conditions and sanitation in Moscow and other large cities, formerly on par with U.S. and European standards, have deteriorated in recent years. Conditions in smaller cities and villages are below the standards of industrialized countries. Insect-borne illness: Encephalitis (Japanese type) - occurs in southeast (human cases reported in recent past for first time in 30 years) Encephalitis (tick-borne) - occurs in southern Siberia and forested areas bordering southeastern Europe Hemorrhagic fever - occurs in southern Siberia Leishmaniasis (cutaneous) - occurs in southern areas Lyme disease - occurs Typhus (tick-borne) - occurs in eastern and central Siberia Food-borne and water-borne illness: Cholera - occurs Diphyllobothriasis (fish tapeworm) may be a problem in the Baltic Sea area Giardiasis - occurs in western areas Other hazards: Diseases such as measles and diphtheria are commonly reported, and cases of polio still occur regularly. According to the CDC, a decrease in immunization practices since the late 1980s has led to significantly higher rates of several diseases, including diphtheria. While proof of diphtheria immunity is not required for international travel, the CDC recommends that travelers to areas where diphtheria is occurring should be immunized. Influenza risk extends from November to April. Rabies - occurs (especially among foxes in rural areas)

Entry requirements

AIDS: According to the Department of State and the Russian Consulate General in New York, a certificate showing an HIV negative status is required for any person applying for a visa for a stay of more than 3 months. The certificate must contain the applicant's passport data, proposed length of stay in Russia, blood test results for HIV infection, including date of the test, signature of the doctor conducting the test, medical examination results, diagnostic series, and seal of the hospital or medical organization. The certificate must be in both Russian and English and valid for 3 months from the date of medical examination and blood test. Foreign test results are accepted under certain conditions. Contact Russia's embassy for details. Diphtheria: A number of travelers to Russia have recently been informed that diphtheria vaccination is necessary for entering Moscow. Per Mr. Goryachev in the Russia Consulate in New York, an up-to-date diphtheria vaccination is recommended, although not required. Mr. Goryachev also provided the following toll-free number (from the U.S.) for an automated fax service regarding current visa requirements: (800) 634-4296. Callers must use a touch-tone phone to type in their own fax machine number.

Recent disease outbreaks

No recent disease outbreaks

Over recent years, the Kremlin has secured greater control over Russia's media. Press: The main dailies in the Russian Federation are Izvestiya (website: www.izvestia.ru) and Komsomolskaya Pravda (website: www.kp.ru), both published in Moscow. Newspapers and magazines are published in some 25 languages. Multilingual editions of the Moscow News (website: www.english.mn.ru) are available weekly. The Moscow Times (website: www.themoscowtimes.com) and St Petersburg Times are published in English. There is also a daily Internet newspaper, Russia Today (website: www.russiatoday.com). TV: Russia TV Channel is state-owned. NTV is a national netowork owned by the gas company, Gazprom. Center TV is a commerical network and Russia Today is an international English news channel. Other networks include Channel One and Ren TV. Radio: Radio Russia and Radio Mayak are state-run networks. Russkoye Radio and Moscow Echo are privately run. Voice of Russia operates programs in English and other languages.

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    Emergency evacuation = $500,000. Accidental death & dismemberment = $30,000. If you're between 35 and 59 years old and plan to insure a cruise fare of $1,599 per person, the cost of Travel Guard's ...

  9. Cruise travel insurance: What it covers and why you need it

    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 ...

  10. Cruise Travel Insurance: Is It Worth the Cost?

    With this option, the average cost of basic coverage was cheaper than a standalone policy at $111.20. Keep in mind that cruise insurance policies offered by cruise lines typically cover the cruise ...

  11. Cruise Travel Insurance Plan

    Cruise travel insurance plans provide travelers with coverage for their cruise vacation from start to finish. This includes much more than just your cruise -flights and hotel stays the night before your cruise departs can be covered with your Travel Guard travel insurance plan To learn how to best use your travel insurance plan, visit out article on how travel insurance works.

  12. Best cruise travel insurance plans of March 2024

    Pros. One of the cheapest cruise travel insurance plans in our rating. Top-notch medical evacuation coverage of $1 million. Very good missed connection coverage of $1,500 after a 3-hour delay ...

  13. Finding the best travel insurance for your cruise

    That's an all around win. 2. Make sure key benefits are included. When you quote cruise insurance, you should look for policies that offer inclusive coverage. À la carte policies appear to have a lower cost because they allow you to pick and choose your benefits. This can cost you in the end.

  14. Best cruise insurance plans March 2024

    Cruise travel insurance can help you avoid some or all of those losses, but no plan is one-size-fits-all. ... Safe Travels Single Trip provides $75,000 for emergency medical and $350,000 for ...

  15. TravelSafe Travel Insurance Review 2024

    TravelSafe Basic plan: This travel insurance plan has trip cancellation up to $10,000, and coverage for missed connections of $500, travel delay of $500, accident and sickness medical expense of ...

  16. SafeCruise

    SafeCruise ® Benefits. Trip Cancellation Coverage up to 100%. Trip Interruption is up to 150% of Trip Costs. Sickness & Accident Medical Coverage up to $250K. Emergency Medical Evacuation Coverage up to $1million. Buy Now. Download Brochure.

  17. TravelSafe Travel Insurance Review 2024

    The Basic plan provides up to $35,000 for accident and sickness travel medical insurance and up to $750 as primary coverage for dental expenses. Emergency medical evacuation. The plan covers up to ...

  18. Travel Insurance Quotes Online

    Golf travel is highly unique. Get plans created by golfers tailored to you including a Cancel for Any Reason option. For Canadians. Get a quote for Canadians! Multiple travel insurance plans exclusively for Canadian residents including a Cancel for Any Reason option.

  19. SafeCruise® Travel Insurance Plan Information

    A.M. Best Rating: ABy: IMG, C&F Crum & Forster. SafeCruise is a Travel Insurance plan for U.S residents traveling domestically or internationally. The plan offers reimbursement coverage on non-refundable trip costs due to covered reasons for Trip Cancellation, Trip Delay, Trip Interruption, and more. SafeCruise will cover COVID-19 like any ...

  20. How To Save Money On Travel Insurance If You're Over 60

    Some travel insurance companies offer reduced coverage for older travelers. For example, INF has policy maximums up to $250,000 for policyholders who are older than 70 to ease the concerns of ...

  21. Direct Travel Insurance to Russia and Country Guides

    Tel: (646) 473 2233 or (877) 221 7120 (toll-free in USA). Website: www.russia-travel.com. Because of the security situation in the North Caucasus, travelers are advised against all travel to Chechnya, Ingushetia, Dagestan and to the eastern and southern parts of Stavropol Krai that border Chechnya and Dagestan.

  22. Elektrostal to Moscow

    Rome2Rio is a door-to-door travel information and booking engine, helping you get to and from any location in the world. Find all the transport options for your trip from Elektrostal to Moscow right here. Rome2Rio displays up to date schedules, route maps, journey times and estimated fares from relevant transport operators, ensuring you can ...

  23. RESTAURANT GLOBUS, Elektrostal

    Restaurant Globus. Unclaimed. Review. Save. Share. 67 reviews #2 of 28 Restaurants in Elektrostal $$ - $$$ European Contemporary Vegetarian Friendly. Fryazevskoye Hwy., 14, Elektrostal Russia + Add phone number + Add website + Add hours Improve this listing. See all (2)

  24. Electrostal History and Art Museum

    Mission Inn Museum Bukit Ampang Lester Park Mount Huashan Ostional National Wildlife Refuge Wiener Stadthalle Long Island Rail Road Animate Ikebukuro Flagship Store Boston Water Taxi Torrox Market Patom organic village farm Thai cultural work shop Floating market tour bangkok Victoria to Seattle High-Speed Passenger Ferry: ONE-WAY Whale Watching in Kaikoura by Boat 2 hours Boat Rental Lake ...