how much is travel insurance for a cruise

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The Best Cruise Insurance in April 2024

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What to look for in cruise insurance

Factors we considered when picking the best cruise insurance companies, an overview of the best cruise insurance, best cruise insurance options, more resources for cruise travel insurance shoppers.

Cruising is back, but many travelers are still reluctant to board ships alongside thousands of other travelers. Cruise insurance has you covered if:

You need to be reimbursed for canceling your trip.

Your flight to the port gets delayed.

You need to pay for medical care if you get sick on board.

You need to fly home in case of an emergency.

Of course, there's much more than just this list that cruise insurance can cover.

No matter the reason you might be looking for coverage, here are some of the best cruise insurance companies available to help bring you peace of mind on your next experience at sea:

World Nomads .

Berkshire Hathaway .

Travelex Insurance Services .

Travel Guard by AIG .

When shopping for cruise insurance, make sure to look for coverage that offers the following:

Trip delay and cancellation.

Medical expenses, including emergency evacuation.

The option to cancel for any reason (including COVID-19).

Adventure activities if you’re planning certain onshore excursions.

Cruise insurance isn’t much different than traditional travel insurance. Any good travel insurance should cover cruises in addition to travel by air or car.

After our analysis, we've determined these are some of the best cruise insurance options available.

» Learn more: The best travel credit cards right now

We used the following factors to choose top insurance providers to highlight:

Specifics of coverage: Including what coverage plans include and whether they offer useful coverage and benefits for cruises specifically.

Amount of coverage: Including the maximum payouts for trip cancellation and trip interruption claims.

Cost: We compared prices to determine average costs across basic plans.

Customizability: We checked to see if policies allow users to customize options to suit their specific needs.

» Learn more: The guide to cruise travel insurance

We searched for quotes from several companies for a seven-day trip in February 2023 from the U.S. to Mexico. The traveler was 35 years old, from Georgia, and planned to spend $2,500 total on the whole 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 .

» Learn more: Should you insure your cruise?

Here’s a closer look at our five recommendations for cruise insurance and what makes them unique.

Allianz Global Assistance

What makes allianz global assistance a top choice for cruise insurance:.

Multiple policies are available for international and domestic travel.

Plans offer trip cancellation and interruption coverage for COVID-19.

Offers emergency medical and transportation.

For our test trip, Allianz Global Assistance’s basic plan cost $106, slightly below average.

World Nomads

What makes world nomads a top choice for cruise insurance:.

Adventure activities like mountain biking and scuba diving are covered, perfect for land-based experienced (though which sports are covered varies from plan to plan).

Offers comprehensive travel insurance plans for domestic and international travel.

Larger-than-average coverage for baggage loss and delays.

For our test trip, World Nomad’s basic plan cost $63, well below average. But the actual trip cost isn’t taken into consideration for trip cancellation and interruption coverage.

Berkshire Hathaway Travel Protection

What makes berkshire hathaway travel protection a top choice for cruise insurance:.

A wide range of comprehensive plans cover cancellation, emergency medical and transportation coverage, and emergency travel assistance.

A cruise-specific plan includes some compensation for cruise disablement and the most emergency medical and evacuation coverage of any of these plans.

There are many plans available, including plans that cover adventure activities.

A Berkshire Hathaway WaveCare cruise-specific plan was $202, quite a bit more than average, but with the most medical evacuation coverage.

Travelex Insurance Services

What makes travelex insurance services a top choice for cruise insurance:.

Three comprehensive plans are available.

Kids-included pricing is available with the Travel Select plan.

There's an option to add accidental death and dismemberment coverage to the basic plan.

The Travel Basic plan from Travelex Insurance Services cost $116 for our sample trip; just below the average for plans listed here.

Travel Guard by AIG

What makes travel guard by aig a top choice for cruise insurance:.

Cancel For Any Reason coverage is available as an optional upgrade on two plans.

A pre-existing condition waiver is also available as an add-on.

Travel Guard by AIG offers a basic Essential plan for $133, just a little higher than average, but adding coverage may raise that price.

Bookmark these resources to help you make smart money moves as you shop for cruise travel insurance.

The best travel insurance companies.

The best credit cards for cruises .

What is travel insurance?

Is travel insurance worth getting?

10 credit cards that provide travel insurance .

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:

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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

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U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

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

Seven Corners »

Travelex Insurance Services »

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

Jessica Merritt

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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.

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.

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

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.

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.

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).

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."

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:

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• 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
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• The ultimate guide to what to pack for a cruise

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Here are the 5 best cruise insurance plans

Cruise insurance can cover many situations, but you need to shop around to find the best coverage..

A cruise is an ideal vacation for anyone who likes the all-inclusive concept , where you pay one price and have just about everything taken care of, from accommodations to meals and activities. But they also aren't always cheap and a lot of things can go wrong. You could have a flight delay that causes you to miss your departure or be unable to sail because of a sickness. In these situations, cruise insurance can reimburse you for prepaid and non-refundable expenses.

CNBC Select analyzed 19 cruise insurance companies and selected the best plans for various situations. (See  our methodology  for more information on how we chose the best cruise insurance plans.)

Best cruise insurance

• Best overall: Nationwide Travel Insurance
• Best for affordable coverage : AXA Travel Insurance
• Best for adventure excursions: World Nomads
• Best for pre-existing conditions: Seven Corners Travel Insurance
• Best for cancel-for-any-reason coverage: Travel Guard Travel Insurance

Best overall

Nationwide travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Nationwide's wide coverage for travel insurance allows many different types of travelers to find coverage that fits their needs. Three levels of cruise insurance coverage gives extra options to cruise passengers.

24/7 assistance available

• 10-day review period on cruise insurance policies to make sure the plan meets your needs (not available in NY or WA)
• Most basic cruise plan doesn't offer CFAR coverage

Who’s this for? Nationwide is a top choice for many travelers due to its variety of cruise-specific coverage. The insurer offers three three tiers of cruise insurance, but its standard Universal Cruise Plan should meet many needs.

Standout benefit: Nationwide's cruise-specific plans can cover things like emergency accidents, sicknesses, itinerary changes, mechanical breakdowns and other trip interruptions or on-ship disruptions. The company also offers a 10-day review period on its cruise policies (not available in NY or WA), giving you extra time to look over the policy and ensure it’s a good fit. 

[ Jump to more details ]

Best for affordable coverage

Axa assistance usa travel insurance.

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

• Three tiers of plans available
• Highly rated for financial strength
• Cancel for any reason only available on highest-tier coverage

Who’s this for? Budget-conscious cruisers should consider AXA . In our research, AXA's Silver Plan stood out as the top budget plan for its mix of affordable premiums and essential coverage. CNBC Select also named AXA one of the best overall travel insurance providers .

Standout benefit: AXA's Silver Plan includes the standard coverage you need to protect yourself from delays and cancellations, as well as employment layoff coverage. This benefit reimburses you for prepaid and nonrefundable travel costs if you cancel because of involuntary layoff or you are terminated from your job. You only need to have been at your current employer for one continuous year to qualify, which is generous compared to other plans that require at least three continuous years of employment for this coverage — if it's even included at all.

Best for adventure excursions

World nomads travel insurance.

World Nomads offers travel insurance for all sorts of travelers, from families to solo adventure travelers. Policies are underwritten by Nationwide and offer strong coverage of emergency accident and illness situations, as well as emergency evacuation scenarios.

• Affordable coverage for many travelers
• Coverage for adventure activities like scuba diving, bungee jumping and more
• Lower trip cancellation limits than other travel insurance we reviewed

Who’s this for? World Nomads offers insurance underwritten by Nationwide , geared specifically toward thrill-seekers. The World Nomads Explorer Plan covers over 200 adventure activities and sports. With this plan, you can take part in just about any excursion without fear of negating your coverage .

Standout benefit: The World Nomads Explorer Plan covers baggage and personal items for loss, theft or damage for up to $3,000 and $1,500 per item. Sporting equipment is included in this coverage, so you can bring your golf clubs along on your cruise without worry.

Best for pre-existing conditions

Seven corners travel insurance.

Policies provide missed and delayed tour/cruise connection coverage. Cancel for any reason coverage and pre-existing conditions waiver are also available if you buy your plan within the specified time. ***CFAR and IFAR are subject to certain eligibility criteria and are not available in all states

• High coverage limits available
• Offers group insurance (10+ people)
• Covers Covid-19 illness
• Pre-existing conditions waiver not available for the Economy plan
• Cancel for any reason not available for the Economy plan

Who’s this for? Seven Corners offers a standard Trip Protection Economy plan and a more premium Trip Protection Elite plan. The Seven Corners Trip Protection Elite plan stands out for offering generous coverage limits and an add-on option for cancel for any reason (CFAR) coverage, which both pair well with its pre-existing conditions waiver.

Standout benefit: This plan's pre-existing conditions waiver for medical coverage applies to plans purchased within 20 days of booking and paying your initial trip deposit. That's a generous window compared to some plans which can require you to purchase insurance within seven to 14 days. If you don't purchase your coverage within the waiver window, this plan only considers conditions existing within the previous 60 days, whereas other plans may look back up to 120 days.

Best for cancel for any reason coverage 

Travel guard® travel insurance.

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Who’s this for? AIG's Travel Guard Preferred plan comes with a wide range of coverages and a variety of useful add-ons for an extra fee such as pet coverage , wedding coverage and cancel for any reason coverage (CFAR).

Standout benefit: The optional CFAR insurance for this plan begins at 12:01 a.m. on the day after you pay for coverage and ends two days before departure (or when the travel is canceled). This benefit reimburses up to 50% of the trip cost (up to $25,000 maximum), which includes reimbursement for:

• 50% of change fees
• 50% of cancellation penalties for unused travel
• 50% of award travel redeposit fees

More on our top cruise insurance plans 

Nationwide universal cruise plan.

Nationwide's standard Universal Cruise Plan will be more than sufficient for many cruisers. It offers strong coverage for many different scenarios, but if you're seeking higher levels of coverage or are taking a long cruise, you can opt for the Choice Cruise Plan, or the Luxury Cruise Plan, which offers the highest level of benefits.

Trip cancellation and interruption

The full trip cost (100%) is covered for both cancellations and interruptions. This includes canceling because of a Covid-19 illness .

Covered delays of six hours or more (or at least three hours for missed connections) are eligible for reimbursement of:

• Up to $500 per day
• $500 maximum

Medical coverage and evacuation and repatriation

• $75,000 in emergency accident and sickness coverage
• $250,000 in evacuation and repatriation coverage
• $750 in emergency dental treatment coverage

Pre-existing conditions

No coverage for pre-existing conditions that fall within 60 days of your policy's start date.

Notable perks

All of Nationwide's cruise plans, including the Universal Cruise Plan, include cancel for work reason coverage, meaning you may be covered if you need to cancel because of work-related issues, as well as coverage for extension of the school operating session. The Universal Cruise Plan also provides coverage for delayed and lost baggage, which begins to kick in after delays of eight hours or more, as well as coverage for trip delays of three hours or more for missed connections or other trip delays of six hours or more. You can also get reimbursed if your trip is canceled or interrupted because of terrorism (foreign or domestic) or financial default of the travel provider (14-day waiting period applies). Itinerary changes that cause you to miss a pre-paid excursion are covered by up to $250.

[ Return to summary ]

AXA Silver Plan

AXA offers three insurance plans, with the Silver Plan being the most affordable. The Gold Plan has most of the same types of coverage with higher reimbursement limits. Meanwhile, the Platinum Plan is for anyone who prefers premium benefits, such as cancel-for-any-reason coverage.

The full trip cost (100%) is covered for both cancellations and interruptions. This includes canceling because of a Covid-19 illness.

After a 12-hour delay or more, you're eligible for:

• Up to $100 per day
• Primary medical coverage of $25,000 per (covers Covid-19)
• Evacuation and repatriation coverage of $100,000 per person

No coverage for pre-existing conditions that fall within this policy's 60-day look-back period.

AXA's Silver Plan comes with coverage for delayed and lost baggage, including $200 per person for covered delays of 24 hours or more and $750 per person ($150 per item) for lost baggage and items. You can also get reimbursed if your trip is canceled or interrupted because of terrorism (foreign only) or financial default of the travel provider (10-day waiting period applies). If a hurricane or bad weather causes your travel provider to cease services for at least 48 hours, you can be reimbursed for up to the full trip cancellation/interruption coverage. Notably, you must purchase the coverage before a storm is named.

World Nomads Explorer Plan

The Explorer Plan is World Nomads' premium travel insurance plan and covers a longer list of activities than the Standard Plan. You can review the list of covered activities here and decide if the more affordable Standard Plan works for you.

Covered up to the trip cost with a $10,000 maximum.

Covered delays of six hours or more are eligible for reimbursement of:

• Up to $250 per day
• $3,000 maximum
• $100,000 in emergency accident and sickness coverage
• $500,000 in evacuation and repatriation coverage

No coverage for pre-existing conditions that fall within 90 days of your policy's start date.

This plan includes $35,000 in rental car damage coverage (where it's valid) due to collision, theft or a natural disaster. And an accidental death and dismemberment benefit of $10,000. When your baggage is delayed for more than 12 hours, you can be reimbursed up to $150 a day ($750 maximum) for any necessary personal items you purchase.

Seven Corners Trip Protection Elite

The Seven Corners Trip Protection Elite plan has generous coverage limits for evacuation and repatriation and accident and sickness. Seven Corners Travel Insurance plans also cover Covid-related illnesses.

Trip cancellations are covered for 100% of the trip cost and interruptions are covered for 150% of the trip cost.

Trip delays of six hours or more can qualify for reimbursement of:

• Up to $300 per day
• $1,500 maximum
• $250,000 in emergency accident and sickness coverage
• $1,000,000 in evacuation and repatriation coverage
• $750 in emergency dental coverage

Pre-existing conditions are covered if you purchase coverage within 20 days of making your initial trip deposit. If you don't qualify for the pre-existing conditions waiver, there is no emergency medical coverage for conditions existing within 60 days of your policy's start date.

This plan covers baggage delays of more than 12 hours for up to $600 and covers lost, damaged or stolen bags or personal items for up to $300 per item ($2,500 maximum). It also has missed cruise connection coverage of $150 per day for accommodations and meals ($1,500 maximum).

AIG Travel Guard Preferred

The CFAR coverage is available as an upgrade on Travel Guard's Preferred and Deluxe plans. If you don't need this optional upgrade, you could save money on your premium with Travel Guard's Essential plan.

Trip cancellations are covered for 100% of the trip cost (up to a max of $150,000) and trip interruptions are covered for 150% of the trip cost (up to a max of $225,000).

Trip delays of five hours or more can qualify for reimbursement of:

• Up to $200 per day
• $800 maximum
• $50,000 in emergency medical coverage
• $500 in emergency dental coverage

A pre-existing conditions waiver applies when you purchase coverage within 15 days of the initial trip deposit.

With this plan, you'll have coverage for lost, stolen or damaged baggage or travel documents for up to $1,000. You also receive baggage delay reimbursement for delays of more than 12 hours with a coverage limit of up to $250 per day ($300 maximum). If you miss a connection, you can be reimbursed up to $1,000 for unused prepaid or nonrefundable travel you missed and transportation expenses to rejoin your trip.

When should I buy insurance for a cruise?

It's usually best to purchase cruise insurance shortly after booking. This lets you take advantage of the protections sooner and qualify for certain benefits such as pre-existing condition waivers.

Is there a difference between travel insurance and cruise insurance?

Travel insurance typically covers cruises and other types of travel, whereas cruise insurance is designed to specifically protect you while cruising or getting to your cruise.

Does cruise insurance cover missed ports?

Cruise insurance may cover missed connections, but it's important to read your policy before you purchase it. Each policy has different limits on how much you'll be reimbursed and what exactly you'll be reimbursed for.

Bottom line

Cruise insurance plans protect you in all sorts of situations when something goes wrong while you're cruising. You can be covered for emergency medical expenses, trip delays, trip cancellations or interruptions and more. Shop around and compare providers to find the best cruise insurance policy for you.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every cruise insurance   review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best cruise insurance plans.

Our methodology 

To determine the best cruise insurance plans,  CNBC Select  analyzed the offerings of 19 insurance companies and compared them based on various factors. These included the maximum coverage limits, optional coverages, types of coverage, premiums and what the policies cover. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction.

We based premium costs on a sample cruise with the following details (when applicable):

• 40-year-old male
• Living in New York, New York
• Sailing for seven days in April
• Total trip cost: $2,800
• Destination: Mexico
• Flying to the port of departure

Sample quotes assumed that payments were made on the date of quoting.

Note that the premiums and policy structures advertised for cruise insurance companies are subject to fluctuate in accordance with the company's policies.

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All Your Questions About Cruise Travel Insurance, Answered

By Elissa Garay

Rarely does real life make its way into our fantasies of a dream vacation : palm trees swaying in the breeze, expertly plated meals served at whim, toes pointed toward the horizon on a sun-soaked day at sea. That vision doesn't factor in missed flights, lost bags, or medical mishaps. But life has a way of getting in the way, even when you’re trying to get away from it all. Add in an unexpected curveball like the coronavirus pandemic (and the disease it causes: COVID-19)—which has effectively wiped out cruising, for the near future, at least—and things get even more complicated.

In most instances, you can buy peace of mind in the form of a well-tailored cruise travel insurance policy, which industry experts say is nearly always a smart bet. Not only does coverage insure your financial investment in the case of a hiccup, but it can also help with access to quality medical care on the road, as well as reimbursement for any unforeseen expenses that may pop up in the face of such scenarios. In this primer on travel insurance for cruises, we break down everything you need to know so you can pick up a policy with ease—and then get back to planning your eventual lounge on the lido deck.

What does cruise travel insurance cover?

“A cruise vacation has so many moving parts, including the sheer number of destinations you visit, flights, and hotels bookings. Things can go wrong after you’ve made that final deposit, and without travel insurance, you’d likely lose that payment,” says Colleen McDaniel, editor-in-chief of cruise review and community site Cruise Critic .

While specific policies vary in their coverage—you’ll need to review the fine print carefully before you buy—most offer recourse for commonly encountered issues like the need to cancel a trip (for approved reasons like your traveling companion falling ill, or the involuntary loss of your job) or trip delays and interruptions. “If you miss your initial embarkation of a cruise due to a flight delay or a weather event, such as a hurricane or winter storm , travel insurance could help cover the costs of you getting to the next port of call, so you can join your cruise,” says James Page, senior vice president and chief administrative officer of AIG Travel, whose subsidiaries sell policies designed to cover cruisers.

Other potential problems might include the airline losing your checked bags , getting pickpocketed in port, the cruise line canceling your sailing due to weather or mechanical issues—or, as we’ve seen of late, due to not being able to run itineraries in areas affected by the coronavirus. While the cruise line would almost certainly pay out a refund in cases of cancellation or major itinerary changes, other prepaid expenses not purchased through the line directly, such as flights or hotel nights, would be on your dime without a qualifying policy in place. “The biggest tip is to make yourself aware of exactly what your plan will cover prior to purchasing,” McDaniel says.

Weather is not covered unless it results in the cancellation of or significant interruption to the cruise. McDaniel says that you won’t get a refund if the scheduled ports visited on a cruise itinerary are changed due to bad weather. “Skipped ports would not be covered by travel insurance,” she says, in cases of inclement weather.

How is the coronavirus affecting travel insurance?

When it comes to coronavirus , it’s important to know that circumstances like epidemics and pandemics are not typically listed as covered events under most standard cancellation policies. Also worth noting: Preemptively canceling a trip out of fear for your health and safety is never part of a standard policy. Accordingly, while some insurers honored claims associated with the onset of the epidemic, almost none are paying out trip cancellation claims for travel or policies booked after late January (with specific cutoff dates ranging between January 21 and January 27, according to travel insurance comparison site Squaremouth). This is owed to the rationale that once the outbreak became a known event, risk is assumed by the would-be travelers who book.

“However, there are now some providers who do not consider contracting the virus as foreseen, even during a global pandemic like the coronavirus outbreak,” says Kasara Barto, public relations manager for Squaremouth. “In this case, trip cancellation benefits can still apply if a traveler contracts the virus or is physically quarantined and unable to travel as planned."

Economic-woe scenarios, like having to cancel if you are laid off from your job, or if a travel supplier should declare bankruptcy, are typically covered under standard plans. Squaremouth notes, however, that coronavirus-prompted impacts like travel bans and border closures are not usually covered by standard policies, nor are cases of cruise lines canceling a scheduled sailing (in which case, the cruise companies themselves would be expected to pick up the tab for reimbursement, or to offer a voucher for future travel).

Because of these exclusions, industry experts advise that a “cancel for any reason” policy upgrade will offer some level of protection even if your reason for canceling is based on fear of travel alone. With this more expensive insurance, you must meet criteria like purchasing your policy within a set time frame (typically within 14 to 21 days of your initial trip deposit) and you must also cancel your trip at least two days in advance of departure.

Keep in mind, too, that down the road, in the post-coronavirus world, industry insiders forecast that new virus-related policy inclusions will become part of standard policies. “Similar to how the September 11 attacks led to terrorism coverage to be offered standard on most travel insurance policies, we anticipate that the COVID-19 pandemic will lead the travel insurance industry to offer more policies that include coverage for pandemics, which may cover things like CDC alerts, travel advisories, and stay-at-home orders,” Barto says.

Insurance and medical incidents

Beyond trip cancellation, medical incidents while traveling present another major need for coverage, since it’s unlikely that your regular health insurance covers such expenses abroad. Most ships have onboard doctors, but visiting them isn’t cheap nor is emergency medical evacuation in the case of more serious illnesses or injuries. “Without [insurance], your out-of-pocket costs could be astronomical,” McDaniel says.

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Page of AIG Travel agrees. “Even a short weekend cruise could turn costly if a traveler has an accident or becomes ill, and requires emergency medical treatment or a medical evacuation from sea,” he says, pointing out that travelers are more prone to injury since they often take risks on vacations—like jet-skiing or hiking on unfamiliar terrain —that they might not take back home. “It’s important to ensure the policy you purchase covers the things you may need, such as pre-existing medical conditions or adventure activities,” Page says.

Specific to the coronavirus, should you contract the virus while cruising, “medical coverage availability will vary per travel insurance provider,” Barto says, noting that a half-dozen insurers were offering such medical coverage as of press time. “While some providers are still providing medical benefits for newly purchased policies, others are only covering medical expenses related to the coronavirus to insureds who bought a policy prior to the outbreak.” Coverage in regards to scenarios like being denied boarding (for registering a fever at port or having recently traveled to a high-risk destination for COVID-19, for instance) or being placed in mandatory quarantines likewise can vary by insurer.

Orlando —based travel agent Kelley Lord is an avid cruiser, with nearly 40 cruises under her belt, and she has taken out a policy for every one of them. It’s proven to be a smart strategy: In 2017 alone, her family had to cancel three separate cruises at the last minute, due to medical issues. “We had a 17-night, port-intensive cruise and Europe trip planned for early June that included expensive flights, prepaid excursions, hotels, and the cruise fare,” she says of one incident. “My husband tore up both of his knees in late May playing kickball at the company picnic and had to have double knee surgery. There was no way we could make the trip.” Thankfully, in that and the other two instances that followed that year, “we filed with our travel insurance and were able to recoup most of the cost of the trip,” she says.

Where to buy cruise travel insurance

While cruise lines usually offer their own insurance policies, experts advise looking instead to an independent, third-party insurer. “Travel insurance policies from independent insurers tend to be more comprehensive than those you might purchase through a cruise line,” McDaniel says. “Cruise line insurance is usually secondary coverage, meaning you’ll first need to file through any private insurance policies [like homeowner’s or renter's] that you have before your travel insurance will kick in. This could mean needing to pay out-of-pocket to start.”

Adds Page: “The advantage of purchasing a comprehensive travel insurance policy through an insurance provider like Travel Guard is that the comprehensive plans may offer additional benefits, such as emergency medical evacuation, which may not be available under protection plans offered through cruise lines.”

In addition, cruise line insurance can be more limited than you might expect. “Travelers who purchase the cruise line’s policy can only insure expenses purchased directly through that cruise line," says Jenna Hummer, former director of public relations for Squaremouth. "Any outside airfare or expenses would be forfeited in the event of a cancellation.”

You can pick up a policy from your travel agent directly through a reputed individual insurance provider (like AIG Travel Guard or Allianz), or via an insurance comparison site that lets you compare plans from various insurers (like Squaremouth or InsureMyTrip).

How much does cruise travel insurance cost?

The cost of a standard policy is calculated as a percentage of your overall vacation expenses—generally anywhere from 5 to 10 percent of your total prepaid, nonrefundable trip cost, according to data provided by Squaremouth. “The premium varies by policy and provider, depending on three primary factors: total trip cost, age of travelers, and length of travel,” Hummer says. “Older travelers taking long, expensive cruises will most likely be paying more for the same policy as a younger traveler taking a cheaper trip.”

According to Squaremouth, “cancel for any reason” benefits will typically increase a policy’s premium by roughly 40 percent over the cost of a standard policy, and will only cover a portion (up to 75 percent) of the total trip cost’s reimbursement.

When to buy cruise travel insurance

Experts say to buy your travel insurance as soon as you’ve booked your cruise —that will give you the biggest window of protection should anything arise before you set sail. Hummer says that coverage for preexisting medical conditions is sometimes available at no additional cost from independent insurers—but only if you purchase that policy within 14 to 30 days of your first trip payment.

Remember that you can’t purchase a policy after an event transpires that leads to a claim (say, after you get into an accident and break your leg), but you can purchase standard insurance plans as late as 24 hours in advance of your scheduled departure. As noted before, "cancel for any reason" policies typically must be purchased within 14 to 21 days of your initial trip deposit.

Though you may never use the insurance you purchase, should an issue pop up, the investment can prove to be of great benefit, both economically and psychologically. Lord says, from experience, “You never know when you will need it, but if you do, you will be so grateful that you have it.”

This story was last published in March 2020. It has been updated with new information.

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Answered: How Much Does Cruise Insurance Cost?

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You just spent thousands on an amazing cruise that you can’t wait to go on. Then you spent hundreds more for a flights to Miami to set sail and a hotel room the night before.

Then, the unfortunate happens. A week before your trip you get hurt in an accident and there’s no way you can make it. Sure you can cancel your trip, but being so close to your departure date, you’re likely to get dinged with cancellation penalties that eat away at your refund.

In other words, you’re out a lot of money, with no trip to show for it.

Or what if you get hurt or sick on your cruise? Or what if you miss it altogether because your flight gets delayed? Or what if your luggage gets lost in transit?

All of these scenarios aren’t meant to scare you. They are meant to show you how travel insurance for your cruise can come in handy. In these scenarios travel insurance can cover you, providing compensation for any money out of pocket you lost.

Why We Think Cruise Insurance is Important, Yet Some People Don’t Buy

In fact, you might be surprised at what travel insurance for your cruise can cover. From having to cancel your cruise for certain reasons, being delayed and missing the ship, getting hurt or sick and requiring medical attention, or even having an emergency that cuts your trip short, insurance can cover you in many cases.

You can even buy some plans that allow you to cancel your trip for any reason at all and still be compensated.

Many cruise passengers forego insurance, however. For one, they think that they don’t need it. It is true that most of the time you won’t need or use cruise insurance. Most trips go off without a hitch. But just like health or car insurance, having it when there is an incident is invaluable.

We think others don’t buy insurance because they believe it costs too much. What’s surprising is how affordable it can actually be to insure your cruise.

The rule of thumb we’ve always followed is that travel insurance should cost between 5-7% of your cruise. So for a $3,000 trip, they say you can expect to pay between $150 and $210.

That’s not chickenfeed, but it’s also a relatively affordable price to pay for some peace of mind.

Pricing Out Cruise Insurance

We wanted to see just how true that 5-7% actually is. To investigate, we used a site called InsureMyTrip.com . InsureMyTrip is a travel insurance broker. With one search, you can get prices from numerous companies to insure your trip. It’s like Google for travel insurance.

We recently ran several scenarios to see just how much cruise insurance actually costs. All searches were for a week-long Caribbean cruise for two people and only looking at policies that provided comprehensive coverage. This includes cancellation coverage, emergency medical coverage and medical evacuation coverage.

Keep in mind that just like other forms of insurance, you can dial up or down the level of benefits. So with lower benefits you can expect lower prices.

Here are the results:

As you can see, prices vary much more than the 5-7% range. We found that depending on age and the level of coverage you select, it can range anywhere from 3% of your trip cost to more than 12% of trip cost.

The variance has a lot to do with coverage levels. Just as with car insurance, bare-bones travel insurance is much cheaper than premium plans, but comes with a lower level of coverage. We recommend studying a couple of mid-priced plans to see their coverage levels before automatically going with the cheapest plan.

Do I Have to Sail With Insurance?

In the vast majority of cases, travel insurance for your cruise is optional . If you don’t want to spend the money, you don’t have to. Some cruise lines, however, do require coverage if you sail unvaccinated (at least for the time being).

Apart from that, the decision whether or not to purchase insurance is up to you. Personally, we like to have some protection when the price of the cruise starts to run into the thousands of dollars or we will be sailing for more than four days. In this case, it’s nice to have some peace of mind should anything happen. 

To find the best deal on travel insurance, we suggest using a site like InsureMyTrip.com . This site can search several different insurers at once so you can compare multiple quotes, see how much your cruise insurance might cost, and everything that it covers. Get a free quote here .

For more details on buying cruise insurance, be sure to read our guide on the topic .

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What to Look for in a Cruise Travel Insurance Policy

Whether you’re on the cruise ship, the beach, or enroute to your port of call, a good travel insurance policy will offer coverage and peace of mind for the entirety of your cruise vacation.

Coverage Before Your Cruise

Travel insurance can offer peace of mind heading into a cruise vacation, and protect against unforeseen events that may prevent you from reaching your port of call. This may include cancellations, trip delays, and missed connections that occur as you reach your ship.

• Cancellation Coverage: Offers reimbursement if you cancel your cruise for a covered reason, such as an unforeseen illness, injury, or death of a family member.
• Hurricane & Extreme Weather Protection: Reimburses a traveler in the event they must cancel or interrupt their trip due to inclement weather or natural disasters.
• Trip Delay Benefits: Protects against financial loss if you encounter significant delays or miss a connecting flight enroute to your port of call.
• Baggage Delay: Can reimburse you for toiletry, clothes, and other essential items if your baggage is delayed during transit.

Travel Protection At Sea

While we all hope for smooth sailing when taking a cruise, it’s not always the case. The main reason cruisers purchase travel medical insurance coverage is to protect against unforeseen injuries, illnesses, and other events that may occur during a trip.

Make sure the plan you choose includes strong coverage for the benefits below:

• Medical Coverage: Since most health insurance providers don’t offer coverage outside the USA, most travel insurance plans include Emergency Medical and Medical Evacuation benefits to cover medical emergencies while traveling.
• Interruption Insurance: If you are forced to end your trip early for a covered reason, you may be reimbursed your unused trip costs.
• Baggage Loss Protection: Provides reimbursement for items that were lost, stolen, or damaged at any point during your cruise.

Due to an increase in demand for travel protection while at sea, many travel insurance providers offer plans specifically built for cruisers.

Squaremouth ranks the five best travel insurance companies for cruisers based on policies sold:

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Click here for a full breakdown of the top cruise insurance providers.

If you already have a policy and have any questions for your travel insurance provider or would like to file a claim, please contact your provider directly. Click here to find your provider's contact information .

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Cruise insurance tips and information.

Squaremouth shares their tips and recommendations based on the most frequently asked questions from passengers.

How Much Does Cruise Insurance Cost?

Cruisers can expect to pay between 5-10% of their insured trip costs on a comprehensive travel insurance plan. Costs and coverage limits can vary significantly from one policy to the next, so it's best to compare plans before making a purchase decision.

The cost of cruise travel insurance varies based on a variety of factors:

• Total Trip Cost: The sum of your prepaid, non-refundable trip expenses that you plan to insure.
• Length of Your Trip: The amount of days you will be traveling, starting from the day you leave home for your trip.
• Traveler Age: In general, older travelers experience higher travel insurance premiums.
• Coverage Amounts: Policies with higher coverage limits may result in more expensive premiums.

Get a quote today to see pricing for your specific cruise.

What Does Travel Insurance Cover?

Cruise insurance provides financial protection for travelers if their travel plans are impacted before or during their cruise. Most comprehensive travel insurance policies provide coverage for common travel disruptions, including cancellations, medical emergencies, travel delays, missed connections, and personal items.

Is Cruise Travel Insurance Worth It?

For many cruisers, travel insurance is worth it for the peace of mind alone. If things don't go according to plan, travel insurance can protect you from serious financial loss. In addition to well-rounded benefits, most cruise insurance plans also include 24 Hour Travel Assistance Services to support you before and during your cruise.

Do I Need Travel Medical Insurance For My Cruise?

While medical insurance is rarely a requirement for cruises, it is almost always recommended.

Most U.S. health insurance plans won't cover medical emergencies that occur outside of the country. For cruisers especially, this can result in extremely high out of pocket expenses if an unforeseen injury or illness occurs if they don’t have a travel medical insurance policy.

For the best coverage, Squaremouth recommends comprehensive travel insurance plans that include at least $100,000 in Emergency Medical coverage and at least $250,000 in Medical Evacuation coverage. Those with pre-existing medical conditions should also consider plans that offer Pre-Existing Condition waivers .

When Should I Buy Insurance For My Cruise?

While you can buy travel insurance up until the day before you leave for their cruise, Squaremouth recommends buying a policy directly after making your initial first trip deposit. For most cruisers, their first trip payment will likely be their cruise reservation, flights, or hotel accommodations.

This approach offers the most coverage, and allows you to purchase time-sensitive benefits and add-ons like Cancel For Any Reason coverage (CFAR) coverage and Pre-Existing Condition waivers. Purchasing cruise travel insurance early does not necessarily impact your premium.

How Do I Find the Best Travel Insurance Plan?

Travelers can find cruise insurance from a wide-range of sources, including credit cards , cruise lines, travel agents, and third party travel insurance providers. To find the best travel insurance protection for your trip, we recommend taking the time to compare multiple cruise insurance plans that meet your budget and travel needs. Start by using a travel insurance comparison site like Squaremouth.

Can I Cancel My Cruise at the Last Minute?

Yes, many comprehensive travel insurance policies cover trip cancellations under specified circumstances, such as sudden illness, injury, or death of the insured or a family member, natural disasters, or unexpected work obligations. Most policies that include the Trip Cancellation benefit offer 100% reimbursement for all prepaid, non-refundable trip costs.

Does Travel Insurance Cover Excursions?

From scuba diving in the Caribbean sea to riding ATVs through the mainland, excursions offer a chance to experience destinations included in your itinerary. Travel insurance can cover these expenses through the Trip Cancellation, CFAR, or Trip Interruption benefits should you need to cancel your plans. If you plan on partaking in more extreme excursions, you will need to find a policy that explicitly includes Sports & Activities coverage.

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January 12, 2024 — With wave season upon us, cruise lines brace themselves for a potentially record-breaking year on the high seas.  This maritime momentum has been building over the past three years. New data from Squaremouth, the nation’s leading travel insurance marketplace, reveals that the cruise industry is poised to make...

October 26, 2022 — While most travel sectors have made a strong post-pandemic recovery, cruise lines have been slower to rebound. Cruise lines have lessened restrictions in recent weeks, however many still require a negative COVID-19 test prior to embarkation. Despite the continued requirements, travel insurtech Squaremouth.com reports cruisers are now more...

July 28, 2021 — Countries and cruise lines are turning to travel insurance as a resource to regain tourism. Since the onset of the Covid-19 pandemic, 18 countries have begun requiring visitors travel with insurance for Covid-19. Recently, Royal Caribbean, Carnival and Disney cruise lines announced similar requirements of non-vaccinated travelers. Travel...

Should you buy travel insurance through a cruise line? Maybe not, experts say

Philip Perrey took a cruise with his family to Mexico in November, but navigating the travel insurance they purchased to protect their trip proved to be anything but a vacation.

A few months before the trip, he got a refund from Celebrity Cruises after the insurance he'd purchased for him and his wife, Lindsey, through the line had been canceled by mistake.

He bought a new policy through a separate provider, which came in handy when his flight to Miami was delayed and he had to rebook with another airline, reimbursing him for part of the original fare. "It was just not the way you want to start a cruise vacation," Perrey, 45, told USA TODAY.

But when he tried to help his in-laws – who had joined him, his wife and his parents on the cruise, and also purchased insurance through the line – get reimbursed, he had no such luck. Aon Affinity, which administered the coverage for his in-laws, asked for documentation from the airline stating the reason for the delay, Perrey said, which he did not know how to get (though his parents were able to get reimbursed without providing that document).

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"It left a really bad taste in my mouth on that policy," said Perrey, a minister based in St. Charles, Missouri. "We love Celebrity, we're going to keep cruising (with) Celebrity ... but I'm not buying their insurance."

While purchasing travel insurance through a cruise line can be convenient, experts say the coverage may not be as comprehensive as plans passengers can buy separately through third-party providers, and they may want to think twice about the type of policy they choose.

"Royal Caribbean Group guests can purchase travel protection through our trusted partners to protect their vacation purchase," a spokesperson for Royal Caribbean Group, the line's parent company, said in an email. The company "does not service the travel protection program," the spokesperson added, and directed inquiries about Celebrity's coverage to Aon.

Aon did not immediately answer USA TODAY's questions about Perrey's experience.

Should passengers buy travel insurance through a cruise line?

When booking a cruise, buying travel insurance can be as simple as ticking a box during checkout. "That's why it's so successful," said Suzanne Morrow, senior vice president of InsureMyTrip. "Because it's easy, and you don't have to think about it." (Cruise lines typically work with third-party insurers for the policies they provide.)

She said travel companies may also use "scare tactics" to incentivize those purchases. "They'll put in, 'Are you sure want to put X amount of dollars at risk?'"

But those policies may not provide the kind of protection customers are hoping for.

Morrow said travelers should first ask themselves if they want cash or credit. "A lot of the cruise line insurance, it's not (that) you get a refund. It's (that) you get cruise credit for a future cruise," she said.

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Those policies may also be "a lot thinner" than the ones travelers can buy on their own. If passengers have to cancel their trip, for instance, the insurance may cover fewer reasons, according to Morrow.

Maurice Smith, a luxury travel adviser and founder of the travel agency Eugene Toriko, echoed that and said third-party policies generally have higher limits for health coverage.

Many health insurance plans do not cover medical expenses incurred at sea or in foreign countries, Dr. Joe Scott, senior director of fleet medical operations at cruise line operator Carnival Corp., told USA TODAY in February. He said at the time that he was "not aware" of any cruise line that accepts insurance in its medical facilities, and highly recommended passengers purchase travel insurance, which he said is more likely to cover those bills.

Story continues below.

How much does cruise insurance cost?

The rates for insurance purchased through a cruise line tend to be a percentage of the trip costs, Morrow said. But the price of policies travelers purchase on their own may be based on a range of additional variables, including age and even destination.

"There's so many more factors that go into the calculation of the cost, that a lot of times you can pay less and get more coverage," she said.

Smith said browsing beyond the cruise line's offerings can help travelers find deals on insurance. "If you shop around, sometimes you can't actually find a better rate," he said. The value of a given policy is also dependent on the kind of coverage a traveler wants.

Morrow also noted that cruise lines, like airlines or hotels, typically offer a certain amount of protection even without passengers purchasing insurance, such as in the form of refunds or credit in the event of a cancellation. "And then that next level is what you're purchasing to extend that coverage or to get better coverage or to have more reasons or whatever," she said.

How to find cruise insurance

Smith advised travelers to weigh the pros and cons of policies provided through the cruise lines against those they can purchase through a third party. The details of the coverage can be found on the cruise line and insurance providers' websites, he said.

Travelers can also compare options via sites such as  InsureMyTrip or Squaremouth . Many insurance providers also have customer service agents travelers speak with, Morrow added.

"It sounds simple enough on the surface ... but it really does come down to each trip that you're taking and the things that you're concerned about, and whether or not you want to have some sort of peace of mind," Morrow said.

Nathan Diller is a consumer travel reporter for USA TODAY based in Nashville. You can reach him at [email protected].

June 1, 2020

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In life, you never really know what may happen… but you can rely on the Vacation Protection trip cancellation. If you need to cancel for some of the most common reasons (severe weather, illness, etc.) you'll get 100% of the cost of your trip back, in cash. If you need to cancel for any reason not listed in the plan — any reason at all — you'll get 75% back in a Future Cruise Credit Certificate.

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• Trip Interruption: Up to total Trip cost reimbursement if you must start your vacation late or need to come home early due to illness, injury and more.
• Baggage: Up to $1,500 if your stuff is lost, stolen or damaged, and up to $500 reimbursement if you have to buy necessary items while your bags are delayed 24+ hours
• Medical: Up to $10,000 if you get sick or injured on your vacation
• Emergency Evacuation: Up to $30,000 for emergency medical evacuation and repatriation (services provided by LiveTravel)

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What Travel Protection Program does Royal Caribbean offer?

Make sure nothing gets in the way of your adventure with Royal Caribbean Travel Protection program benefits, including medical, baggage and Evacuation coverages to protect you during your trip. With the  Royal Caribbean Travel Protection Program  Cancellation Penalty Waiver (a non-insurance feature offered by Royal Caribbean), if your plans go awry and you cancel your cruise vacation (for specified reasons), Royal Caribbean will waive the non-refundable cancellation provision of your cruise ticket contract and pay you IN CASH the value of the unused portion of your prepaid cruise vacation. In addition, should you need to cancel for "any other reason" you may be eligible for credit toward a future cruise - up to 90% of the non-refundable, prepaid cruise vacation cost.

Because our liability for loss or damage is limited by the Cruise Ticket Contract, we recommend that all guests check their own insurance coverage or consider purchasing the Royal Caribbean Travel Protection Program.

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FinanceBuzz

Travel Insurance for Cruises - Why It's a Must-Have Not a Maybe

Posted: January 23, 2024 | Last updated: January 23, 2024

Are you tired of run-of-the-mill vacations? Step up your travel game and book a cruise.

A cruise can be a wonderful combination of relaxation and adventure. But too many people overlook a potential drawback of a cruise that can be costly.

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A costly cruise drawback

Carnival Cruise Line's brand ambassador John Heald recently sounded the alarm about this truth on his Facebook page.

He highlighted real-life scenarios where passengers faced heartbreaking challenges — from illnesses to family emergencies — that prevented them from embarking on the cruise they booked.

When that happens, there often is no way for these passengers to claim a refund. Instead, those who have to cancel cruises are simply out of luck and have to take the financial loss.

However, Heald suggested one potential way to avoid the financial setback that can come with a canceled cruise: purchase travel insurance.

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What is travel insurance?

Travel insurance is a safeguard against unexpected events. Coverage varies from policy to policy, but typically it can help reimburse losses associated with:

• Trip cancellation or interruption
• Baggage and personal effects damages or loss
• Damage to rental property or a rental car coverage
• Medical costs
• Accidental death

That means many policies include comprehensive protection for unforeseen circumstances. If you suddenly have to cancel a cruise because of something unexpected, travel insurance might make you whole.

In that light, purchasing travel insurance for cruises should not be viewed merely as an added expense. Instead, it's a proactive measure that ensures financial security and peace of mind.

How to purchase travel insurance

Fortunately, buying travel insurance for a cruise should not be difficult.

Cruise lines such as Carnival and Royal Caribbean offer insurance as an add-on during the booking process. The insurance might cover things such as a death in the family, bad weather that prevents you from getting to the ship in time, and more.

It's crucial to carefully review policy details and make sure they align with your specific needs and concerns.

You can also purchase travel insurance for your cruise through insurers such as Allianz, Berkshire Hathaway, World Nomads and more. These companies typically provide coverage for things such as missed cruises due to delayed flights, trip cancellations, and medical emergencies onboard.

Travel agents can also guide you through insurance options. They will offer insights and suggest coverage that meets your specific needs.

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Bottom line

As you plan your next cruise, don’t overlook the importance of travel insurance. Life is filled with uncertainties, and unforeseen events can disrupt even the most carefully laid plans.

Being unprepared for the unexpected can lead to significant financial losses. On the other hand, looking for the right travel insurance policy can help prevent a canceled cruise from ruining your financial fitness .

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Protect Your Trip »

How much does a cruise cost in 2024.

Use this guide to learn more about cruise pricing and how to figure out the total cost of a cruise.

How Much Does a Cruise Cost?

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With the rising cost of everything, cruise fares – some even as low as $27 per person per night based on double occupancy – seem like an incredible bargain. And they certainly can be, but the fares you see advertised online often don't include extras like taxes, fees, port expenses, gratuities, shore excursions, specialty dining, alcoholic beverages, specialty coffees, room service fees and more.

Cruise pricing can be confusing with so many variables. Unless you're sailing with a smaller luxury line that is all-inclusive , your bill on the day of disembarkation may be unexpected or even shocking. Small things like buying bottled water or renting noodles for floating in the ocean at a cruise line's private island can add up quickly. To help you plan better for a cruise vacation , U.S. News has broken down some of the costs and add-ons you need to take into consideration before booking your next getaway on the high seas.

Find your perfect cruise

How much does a one-week cruise cost?

A cruise can cost anywhere from about $109 per person in an interior cabin for a four-night Bahamas cruise up to $101,199 per person for an entry-level suite on a 168-night world cruise – and anywhere in between. Cruise fares vary based on itinerary, number of nights, cabin type, amenities and cruise line. Here are a few examples of base cruise cost ranges on larger cruise lines for various regions:

• A seven-night Caribbean cruise in November ranges from approximately $270 to $2,600 per person.
• A seven-night Alaska cruise in May ranges from approximately $250 to $1,700 per person.
• A seven-night Mediterranean cruise in June ranges from approximately $620 to $2,300 per person.
• A seven-night Mexico cruise on the Pacific Coast in January ranges from approximately $470 to $700 per person.
• A seven-night Canada and New England cruise in October ranges from approximately $490 to $1,100 per person.

What's included in the base fare with a larger cruise line?

Mass market cruise lines such as Royal Caribbean International , Norwegian Cruise Line , MSC Cruises and Carnival Cruise Line – and more upscale lines like Celebrity Cruises , Holland America Line , Cunard Line , Disney Cruise Line and Princess Cruises – advertise "starting from" base fares, which are for inside cabins. These are the least expensive staterooms on the ship, and they do not have windows. Staying in these accommodations still gives you access to all the complimentary dining venues and several types of nonalcoholic beverages (such as nonbottled water, iced tea, juices, hot coffee and tea), as well as the ship's pools, gym facilities, kids clubs and onboard entertainment.

If you want a room with a view – or a larger stateroom – consider booking an ocean view room with a window, or a cabin with a balcony or veranda. With these rooms, you'll have access to all the ship's included amenities and typically more spacious accommodations for the week. Of course, this option will come at a higher price point.

No matter which room category you choose, port expenses, taxes and fees are not included in the base fares, and they're automatically added to the cost of your cruise. The amount of these charges will depend on the length of your cruise and where you're sailing. Gratuities for the staff and crew are also additional.

Ready to plan a cruise? Find the best value sailings on  GoToSea , a service of U.S. News.

What if you want more amenities and perks?

For more perks, you can splurge on a suite or a higher room category. With Celebrity's Concierge Class, for example, you'll be treated to amenities such as a welcome lunch, a complimentary bottle of sparkling wine, personalized concierge service, an exclusive destination seminar, pillow selection upon request, laundry service and more.

With Disney Cruise Line's Concierge Staterooms and Suites, guests have a dedicated concierge agent offering personalized assistance for pre-arrival planning for port adventures, dining reservations, other onboard activities and special requests. You'll also get priority check-in and boarding, a private welcome reception, free Basic Surf Wi-Fi, access to a private lounge with complimentary food and beverages (alcoholic and nonalcoholic) served throughout the day, and other perks.

You may opt to stay within an exclusive area of the ship, such as the MSC Yacht Club, The Haven by Norwegian or Celebrity's The Retreat. These high-end private retreats offer a mostly all-inclusive experience with additional features, while still including access to all the entertainment, dining venues and more on board. The accommodations can cost hundreds more dollars per day, but you'll have an experience similar to sailing on a small luxury vessel.

For example, the MSC Yacht Club offers an intimate all-inclusive space within its larger ships. The private area is accessible with a key card and features luxurious suites, a dedicated concierge, 24-hour butler service, a private restaurant and lounge, a secluded pool deck, priority reservations for specialty dining, VIP seating for entertainment, and other amenities. There are also additional dining and snack options throughout the day at the pool and lounge.

You'll find similar amenities in Norwegian's and Celebrity's private retreats, including priority boarding and disembarkation, exclusive sun deck areas, and priority access when boarding tenders for going ashore.

Guests of MSC's Yacht Club receive the line's Premium Extra Beverage Package, which covers premium liquors, fine wines and Champagne in the Yacht Club and at most other venues on the ship. Accommodations in The Retreat on Celebrity also include premium beverages throughout the ship. If you're staying in The Haven by Norwegian, a beverage package is not covered in the pricing, but Norwegian frequently advertises its "Free at Sea" package, which includes free unlimited bar, free specialty dining, complimentary Wi-Fi, discounts on excursions and other perks.

What factors determine pricing?

Base pricing and the additional components vary greatly among the cruise lines, so you'll need to determine what your budget is for the trip – and what you can and can't live without when it comes to accommodations and amenities. Travelers may also find that one cruise line has a deal or promotion with reduced pricing that covers airfare, specialty dining, a beverage package, free Wi-Fi or other perks in the advertised rate (such as the Norwegian package mentioned above), while another line isn't running any specials for a similar itinerary.

Voyages on older cruise ships tend to be less expensive, so if you're on a tight budget, consider a ship with fewer bells and whistles. If you're sailing on a short itinerary in the Bahamas and plan to lounge by the pool or on the beach all day, you may not be concerned about having high-tech onboard amenities, martini bars and several specialty restaurants.

Save the money to splurge on more expensive fares when you're planning to sail on longer voyages on larger and newer ships . You'll want several days at sea to enjoy the onboard amenities on some vessels, such as a three-level racetrack and a 10-story-tall slide on Norwegian Viva . It would take a full week (or more) to explore all the entertainment options aboard Royal Caribbean International's newest ship, Icon of the Seas – or all the new entertainment offerings and attractions on Princess Cruises' latest addition to its fleet: Sun Princess.

Another significant factor to consider is the time of year you want to travel. Better deals are available in the offseason, but the offseason varies depending on what part of the world you're traveling to. For example, May is a great time to find a deal in the Caribbean. The offseason – or shoulder season – in that market typically runs from May to November. However, keep in mind this period overlaps with hurricane season .

You also may be able to find last-minute deals in many other destinations if you're flexible. Working with a travel agent is an excellent way to learn of last-minute specials and cruise deals that offer add-ons like beverage packages, specialty dining inclusions, shore excursions and other perks. You can also check out the online specials that change frequently.

Solo travelers may pay more

If you're traveling alone, you may also need to factor in a single supplement, which can add up to as much as 100% of the cruise fare. To save money, bring a friend so you can access the lower double occupancy fare or consider lines that feature rooms for solo travelers; select Royal Caribbean, Norwegian and Celebrity ships offer solo staterooms, as do other cruise lines. Check out our guide to the best solo cruises with no supplement fare .

These smaller accommodations – typically ranging from around 100 to more than 200 square feet in size – are priced and designed for solo travelers. Key card access to Norwegian's Studio Lounge is included with the line's solo cabins and offers a place to relax and mix and mingle with other cruisers. Other lines that offer solo cabins include Holland America, MSC, Cunard and Virgin Voyages . While the price may not be as inexpensive as the double occupancy fare when traveling with someone else, these accommodations offer some savings over a typical solo fare.

Some lines often feature special deals on select sailings where the single supplement is waived or reduced. A knowledgeable travel agent specializing in cruises can assist in finding the best offers for solo travelers.

'Kids cruise free' promotions can help families save

If you're traveling with kids, many cruise lines – such as Holland America, MSC, Norwegian, Royal Caribbean, Disney and Princess – offer "kids sail free" promotions periodically throughout the year. You can also find discounted fares for children on select sailings.

Regent Seven Seas Cruises has fares as low as $999 for children 17 and younger on a variety of select voyages. Regent's regular fares typically start at around $3,600 per person for a seven-night cruise, so this is a significant savings. This fare also includes unlimited complimentary shore excursions and all the benefits and perks of sailing with an all-inclusive luxury cruise line. Regent even has a current promotion where kids sail free on a selection of seven- to 20-night itineraries in Europe and the U.K.

Food and beverages are another expense to consider

Once you determine your total cruise fare with the taxes, fees, port charges and gratuities, you'll need to budget for the additional expenses you'll have on the ship – and these extras can add up quickly. Meals at specialty dining venues, alcoholic drinks and other beverages may not be covered in the basic cruise fare. You'll also have to pay for room service on many ships.

You can purchase specialty dining, beverage and Wi-Fi packages before or during your cruise. These packages offer savings over purchasing everything individually – and it's best to buy them once you book your cruise, as they're typically cheaper to purchase before you board the ship.

For an example of the savings with a food package, Royal Caribbean offers up to a 40% discount with a dining package. This package includes reduced pricing for children ages 6 to 12, while kids 5 and younger eat for free. The cruise line's unlimited dining package also offers discounts on bottles of wine.

In addition to specialty dining venues that charge a flat fee – usually between $30 and $50 – there are also restaurants that charge as much as $135 or more for dinner, such as the adult venues on Disney Cruise Line's ships. Other restaurants feature a la carte menus with sushi, bar food and even steakhouses that price out individual courses. Some of these venues may not include gratuities, so that's another add-on. If you decide to dine at any of these spots – and they're not included in your package – you'll have to budget for them in the total cruise price.

Enticing dessert items in the gelato and ice cream shops on some ships also come with a price, including Coco's and Dolce Gelato on Norwegian or MSC's Venchi Gelati and Chocolate.

There are endless options when considering beverage packages, too, so you need choose what fits best with your interests and budget. Some of the package options are only for nonalcoholic drinks like fountain sodas, sparkling waters and coffees, while premium or deluxe beverage packages cover beer, wine and cocktails, so they are more expensive.

Depending on the cruise line, most premium packages will usually cover drinks up to $15, but many craft cocktails on cruise ships can be quite expensive, costing much more, especially if you request a specific brand for the liquor. If you have the premium package and want to splurge on the fancy beverage, you'll have to pay the difference.

It's important to know that there are a few select venues and bars on some ships that do not accept a beverage package, so you'll have to pay extra for drinks at those places. For example, MSC's ships have several signature venues that do not accept drink packages, such as Hola! Tacos & Cantina, Lavazza coffee shops and Venchi 1878.

Norwegian offers a package that covers top-shelf beverages and select bottles of wine and Champagne, Starbucks coffee, bottled water, soda, specialty drinks and other beverages. You'll need to budget around $138 per person per day for this option – and an additional 20% gratuity. This type of package can add up to quite a bit of money on a seven-day cruise or longer. For more information, consult our guide on the drink package options for major cruise lines .

Bundle pricing

For additional savings, look into bundle pricing that includes specialty dining, Wi-Fi, photos and more. Purchasing them together may be more cost-effective. For example, Holland America offers the "Have It All" package, which encompasses a $100 shore excursion credit, the Signature Beverage Package (including the service charge), one evening of specialty dining and the Surf Wi-Fi package for a six- to nine-day cruise. If you're sailing for 10 to 20 days or even longer, the benefits increase. The line estimates savings of 50% when you purchase this bundle.

While these packages may not always work out in your favor, you'll at least know what your dining, imbibing, excursions, Wi-Fi and even additional activities on the cruise will cost.

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Additional costs on a cruise ship

Cruisers will also incur additional fees from excursions, fitness classes, spa treatments, access to thermal spa rooms, babysitting services, ship tours, wine tastings, cocktail demonstrations, cooking classes, laundry services, and some entertainment venues and activities on the ship. Examples include Norwegian's racetrack, Viva Speedway; high-tech attractions like the Robotron thrill ride and the XD cinema on MSC Seascape ; and Carnival's first roller coaster at sea, BOLT.

See some of the more popular added costs you'll want to consider below.

Wi-Fi access

If you need Wi-Fi during the cruise, that's another cost to factor into the total price. Here are two examples of pricing for internet plans for two cruise lines.

Carnival offers three options for Wi-Fi, using Starlink. The basic Social Wi-Fi Plan gives you access to certain social media channels like Facebook Messenger, Instagram, Twitter, WhatsApp and more, starting at about $15 per person per day. The cost increases to roughly $20 per person per day with the Value Wi-Fi Plan. This option gives you access to your email and to sites for weather, news, finance and more. It does not support Skype or music and video streaming services like Spotify and Netflix during your cruise.

The last option, Carnival's Premium Wi-Fi Plan, starts at around $19 per person per day and offers speeds up to three times faster than the Value plan. With this plan you can make Zoom calls and use Skype. For all three of these plans, you can save 15% off the total price if you book in advance of your trip.

Celebrity also uses Starlink. The line's "All Included" fare includes basic internet and a classic drink package, which the line says can save you potentially hundreds of dollars. If you don't book that fare, Wi-Fi plans range from around $20 per day for basic service to premium Wi-Fi at $35 per day.

• Shore excursions

If you're traveling to far-flung or new destinations, you'll want to book shore excursions. Cruise lines recommend that you book excursions directly with them rather than hiring an independent tour company or operator, but it can be more expensive to book tours through the cruise line.

However, if you experienced a delay on an independent tour and couldn't get back to the ship on time, there's a chance you could get left behind if you're not on a ship-sponsored tour. If you decide to go with a private tour guide, be sure to book an excursion that will allow you to arrive back at the ship with plenty of time to spare before the vessel departs for the next destination. Most tour operators in busy cruise ports work with the cruise ship schedules all the time, so you should be fine with a reputable independent guide.

Some trips last an entire day or are once-in-a-lifetime adventures like dog-sledding on a glacier in Alaska or taking a helicopter ride over the active volcanoes and waterfalls in Iceland. These types of excursions can be costly, ranging anywhere from hundreds to even thousands of dollars. If these types of experiences are not in your budget, look for historic walking or panoramic driving tours. These activities are shorter in duration and typically the least expensive tours available on the cruise. Many of these types of tours will cost less than $100. And, of course, there are always other options available that range between the lower and higher price range of excursions.

If your ship is docked directly in the town or city, then you'll be able to explore off the ship on your own for free. Some cruise lines also offer complimentary shuttle buses into town or a round-trip ride for a nominal fee if it's not within walking distance of the ship. That's another less expensive option for you to sightsee, shop or grab lunch in town.

Transportation

Transportation is another expense that's often overlooked in the total cost of a cruise. Consider if you'll be driving or flying to the cruise port. If you're driving, you'll have to pay for gas and parking at the port – and maybe a hotel the night before the cruise, depending on when you arrive and when your ship is scheduled to set sail. Don't forget the meals or beverages you'll purchase on the way.

If you're flying to the port, especially on a long-distance flight, it's best to come in a day early. In that case, you'll also have to pay for a hotel, transfers from the airport to the hotel and then a transfer (private hire, Uber or cab) to the ship's terminal. There will also be meals to budget for while you're in town before the cruise and a ride back to the airport after the cruise.

Souvenirs or forgotten items

Don't forget to account for purchases on the ship. Items that you forgot to bring from home will be more expensive on board. It's also easy to run up the bill when buying souvenirs for yourself or the kids. It's a good idea to periodically check your bill online or with guest services to see the current balance. You can keep a running tab of what you've billed to your stateroom – and also make sure that the charges are correct.

Cruise pricing checklist

To sum it up, here's a checklist of major items that will help you to compare costs across cruise lines and tally up the total cost of a cruise:

• Base cruise price
• Taxes, fees, gratuities and port expenses
• Specialty dining
• Food and beverage packages
• Optional activities (such as spa treatments or extra-fee entertainment on the ship)
• Miscellaneous expenses (such as meals and beverages ashore)
• Air or ground travel to the port
• Hotel prior to embarking

If you don't want to budget for all the individual expenses related to a cruise – and you don't need the over-the-top entertainment of a larger cruise ship – consider booking a mostly all-inclusive or fully all-inclusive cruise with a luxury cruise line . These cruise lines include almost everything in your cruise fare.

Mostly all-inclusive cruises

One option for a mostly all-inclusive cruise is Viking Ocean Cruises . The line's 12 all-veranda ocean-going vessels accommodate between 930 to 998 guests based on double occupancy – and all of Viking's ships feature the same categories of staterooms and suites, dining, lounges, and entertainment venues across the fleet. The ships offer an immersive cultural curriculum on board with regional dishes, destination performances and enrichment lectures.

Viking's fares include veranda accommodations, port taxes and fees, free Wi-Fi, access to the spa and fitness center, 24-hour room service, ground transportation (if you book airfare with Viking), and one complimentary excursion in each port. You'll also have alternative dining options at no extra charge, plus free beer, wine and soft drinks with lunch and dinner on board the ship. Specialty coffees, teas and bottled water are available 24 hours a day at no extra charge.

If you like to have an aperitif before your evening meal or an after-dinner cocktail, those beverages will be at an additional cost. You'll also need to budget for any optional shore excursions that are not included in the fare.

Keep in mind that Viking is an adults-only cruise line , so children younger than 18 are not permitted.

All-inclusive cruises

Regent Seven Seas, Silversea Cruises and Seabourn Cruise Line boast all-inclusive luxury experiences with shipwide amenities such as ocean-facing suites, butlers, premium spirits, fully stocked in-suite bars, no tipping and complimentary dining at world-class restaurants.

Additional perks with Regent Seven Seas include complimentary unlimited shore excursions, free two- or three-night land programs, a free one-night hotel stay before the cruise departure, transfers from the airport to the ship, and business class or economy airfare (depending on the destination).

Silversea offers door-to-door arrangements where everything is handled by the cruise line. You can also opt for a port-to-port all-inclusive rate if you prefer to make your own travel arrangements. If you're on one of the cruise line's expedition cruises, fares will include a pre- or post-cruise hotel stay. All door-to-door and port-to-port Silversea fares cover a selection of complimentary shore excursions in each port.

If you're interested in an even smaller ship – and are sailing to the Caribbean or Mediterranean – SeaDream Yacht Club features an intimate luxury experience on its two 56-stateroom yachts. The fares include top-notch cuisine, an open bar, gratuities, complimentary daily yoga, access to water sports and movies under the stars.

How much does a luxury cruise cost for two?

If you want to go on a mostly adults-only luxury ship, what can you expect to pay for two people? This will depend on the ship, where you want to sail and for how long – and what amenities are included in the fare.

For a seven-night cruise in the Caribbean in December 2024 round-trip from Miami with Regent Seven Seas, an all-inclusive cruise fare with suite accommodations starts at $7,398 ($3,699 per person). There are additional perks and savings available, depending on the level of accommodations you book and if you combine this cruise with another voyage. You can also check with a travel agent specializing in cruises to see if they have access to other promotions.

For a Silversea cruise in December 2025 that sails round-trip from Bridgetown, Barbados, the all-inclusive port-to-port cruise fare starts at $9,800 for two people ($4,900 per person) in suite accommodations. Contact a travel agent before booking to see if they can offer upgrades or additional amenities.

While the price tag may seem high, compare the total cost with the base fare on a larger cruise ship and then add in all the extras.

See the top cruises on  GoToSea .

The bottom line

The average cost of a cruise is all over the map – and there are many variables to consider. Hiring a cruise specialist to navigate the rough waters may be your best option. Cruise specialists are also privy to special deals and incentives that you may not be able to access on your own. Travel agents can also advise you of promotions that may include free specialty dining, beverage packages, complimentary Wi-Fi, shore excursions, discounts on solo and family travel, and more. This approach will save you the hassle of searching online or calling the individual cruise companies to check on what specials are available.

If you'd rather have one price with everything included so there's little room for surprises at the end of the trip, consider a mostly or fully all-inclusive cruise fare. If you don't need waterslides for the kids, big Broadway shows and high-tech entertainment, a cruise on a small luxury line may suit you well.

When doing the math and comparing the costs, you might be surprised how similar in price cruising with a larger mass market cruise line and a smaller luxury line can be. In the end, your decision will come down to your personal preferences and what you value most for your cruise vacation.

Why Trust U.S. News Travel

Gwen Pratesi has been an avid cruiser since her early 20s. She has sailed to destinations around the globe on nearly every type of cruise ship built, including the newest megaships, luxury yachts, expedition vessels and traditional masted sailing ships. Cruising is one of her favorite ways to travel and she hopes to book an extended cruise to see the rest of the world someday soon. She covers the travel and culinary industries for major publications, including U.S. News & World Report.

You might also be interested in:

• Cruise Packing List: Essentials for Your Cruise
• How Much Does an Alaska Cruise Cost?
• Royal Caribbean vs. Carnival: Which Is Right for You?
• The Top Cruise Insurance Plans
• Is Travel Insurance Worth It?

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• # 1 South Island, New Zealand
• # 4 Bora Bora

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