uk cruise insurance with covid cover

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Cruise Travel Insurance

It's plain sailing with our cruise insurance upgrade.

Make sure you're covered on board your sea cruise with our Cruise Insurance upgrade.

5 Star Travel Insurance from Admiral

5 star rated platinum level travel insurance.

Our Platinum level cover has Defaqto's 5 Star rating.

Relax and enjoy complete protection

A cruise is a great choice for those who want to sit back and watch the world go by; total relaxation, no hassle and everything in one place.

While there's no arguing a holiday on the open water is a great experience, it can pose a slightly trickier problem if something goes wrong.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Calm seas with Cruise Insurance

By adding our Cruise Travel Insurance upgrade, your travel insurance will be validated while you're on board the cruise ship. You won't be covered for any part of your holiday without the add-on.

What does Cruise Travel Insurance cover?

By adding cruise cover, your Admiral Travel Insurance will cover you for all the holiday essentials such as lost luggage and medical expenses as well as:

Missed port departure

If you miss the departure of your cruise and have to pay for accommodation or travel expenses to get to the next dock, Admiral will cover you up to the limit shown on your policy if the departure was missed due to:

• Delays or failures to scheduled public transport (excluding taxis)
• An accident or breakdown of the vehicle you're travelling in
• An accident or breakdown ahead on the motorway or dual carriageway you're travelling on, causing a delay
• Strike, industrial action or adverse weather

Cruise cabin confinement

For every 24 hours you're confined to your cabin by the ship's medical officer, for medical reasons (including declared pre-existing conditions) we will pay up to the limit shown on your policy. You must provide written confirmation by the on-board medical officer.

Unused excursions

Don't worry if you miss a pre-booked excursion due to cabin confinement through illness or an accident. We'll pay up to the policy limit for any sickness or accidents covered under the emergency medical and repatriation section of your travel insurance.

Cruise interruption

If you fall ill during your cruise and miss part of it due to needing medical treatment on dry land, we'll pay any travel expenses you have to pay to rejoin the ship (up to the policy limit specified). You'll need to get a medical certificate to confirm.

With all of the above examples exclusions apply – please see your policy guide for more information.

What happens if my cruise holiday is cancelled?

If your cruise is cancelled for any of the reasons below, you'll receive up to £5,000, depending on the level of cover you choose, to cover the costs of your trip:

• Death, illness, injury or complications of pregnancy or childbirth of you, your travel companion, close relative, close business associate or anyone you planned to stay with
• Court cases and quarantine if you or your travelling partner, or anyone you planned to stay with, is quarantined, called for jury service or as a witness and the court refuses to reschedule
• Redundancy cover for you and your travelling partner if either is made redundant from the company you've been employed at continuously for at least 24 months
• Armed forces and emergency services if you or your travelling partner is a member of the British Armed Forces or the emergency services and has authorised leave cancelled due to an unexpected emergency
• Home damage you or your companion can't travel if your home is burgled or seriously damaged by a fire, storm or flood within seven days of your departure
• Passport or visa your passport or visa is stolen in a burglary at your home in the seven days before your departure and you're unable to get a replacement in time

How do I get a Cruise Travel Insurance quote?

Call 0333 234 9913 for an Admiral Travel Insurance quote and ask to add on the Cruise Upgrade, or buy online and select ‘Cruise Upgrade’ during the quote process.

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Your questions answered

We're sure you'll love our great products but maybe you have a few questions. You can find answers in this section.

Do you need cruise travel insurance?

Admiral's cruise upgrade must be added to your Admiral Travel Insurance policy if you want cover for cruise specific things like missed departures, unused excursions and cruise cabin confinement as these aren't covered by standard travel insurance. We won't cover any claims (including medical) against your cruise holiday without this cover in place.

Are there any age restrictions for getting the cruise cover upgrade?

No, you can get this add-on at any age.

Can I get cruise cover for any part of the world?

Our travel insurance and upgrades cover pretty much everywhere in the world except for countries the Foreign & Commonwealth Office advises against 'all travel' or 'all but essential travel'. You can see the full list on the Foreign & Commonwealth Office  website

I'm an expat, can I get the cruise cover upgrade?

No, in order to buy Admiral Travel Insurance and its upgrades you must be a permanent resident of the UK, travelling from and returning to the UK.

Am I insured if I take part in excursions and water sports during my cruise?

Your Admiral Travel Insurance policy covers you for a wide range of sports and activities including jet skiing, parasailing, windsurfing and snorkelling. For the full list of activities we cover please see your policy booklet.

Do you need travel insurance for a cruise?

If you’re going on a cruise, you must add on our Cruise cover upgrade to your travel insurance. Without it, your trip won’t be covered at all. 

Can I get cruise travel insurance with a pre-existing condition?

You can get our Cruise Travel Insurance if you have pre-existing conditions, but you need to make sure you declare them all when you’re buying your travel insurance. Read more about travelling with medical conditions .

Do I need cruise insurance for a river cruise?

Our Cruise Travel Insurance covers you if you’re taking a sea cruise, but it’s not needed if you’re going on a river cruise. If you’re going on a river cruise, your standard travel insurance will cover you.

When should I buy travel insurance for a cruise?

It’s a good idea to buy your Cruise Travel Insurance as soon as you book your cruise. That way, if you have to cancel your cruise before you’re due to travel, you’ll be able to claim your costs back.

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Ski Travel Insurance

Gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

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One mistake to never make with travel insurance - top tips for buying cruise cover now

Author: Harriet Mallinson

Published on: 07 December 2021

Updated on: 20 December 2021

Cruise travel insurance is vital when embarking on your holidays but many might be worried about what the latest Omicron Covid variant means for holiday cover. We spoke to the experts.

Cruise insurance has never been more important than during the Covid pandemic as travel plans continually change amid ongoing unpredictability.

How do you know what travel cover to get for your cruise holidays? What is the best travel insurance for cruises? What mistakes should you avoid?

World of Cruising spoke to insurance expert Neil Wright, travel pro and managing director of Cedar Tree travel insurance for his advice on buying cruise insurance.

This is what you need to know.

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It's vital to buy policies that automatically cover a cruise holiday, with set additional benefits, as part of standard cover. Look out for policies underwritten by AXA, Wright recommends.

"Having travel insurance, in general, is necessary," the expert said. "Most cruise companies will not let you board unless you are covered, nor should you travel anywhere without it, as the costs of a medical emergency can be horrific, even for the wealthy."

- READ MORE: Cruises cancelled as red list changes and new travel rules launch -

Does travel insurance cover Covid - and the Omicron variant?

Incredibly, travel insurance comparison site, Squaremouth.com, reported a 53 percent increase in travel insurance sales following the news of the Omicron variant. So what should you do to make sure you're covered during this tricky time?

Policies that cover previous variants will likely cover Omicron.

"The existing Covid cover currently in place for all our three insurers (CoverForYou, Cedar Tree and Outbacker) also covers the Omicron variant (the same as it did with the Delta variant)," said Wright.

"As far as we’re concerned, it’s just another variant. Covid cover is included as standard – at no extra cost – on all new and existing Single-Trip and Annual Multi-Trip policies.

"However, travellers should check policies with other insurers to understand exactly what they’re covered for, and to what extent."

What mistakes should you avoid when buying insurance?

Wright warns against trying to cheat the system when it comes to illness.

"It is really important that ALL pre-existing medical conditions are declared at the time of purchase as an omission could mean that the whole policy is invalid as the underwriter is not fully able to assess the risk," he cautioned.

- READ MORE: 'Go book' foreign holidays - what you must do before travelling -

How to choose travel insurance

When buying insurance for your cruise do check you're getting enough Covid cover - reading the fine print is vital.

Wright explained: "In the current climate, Covid cover continues to be one of the top priorities. Most insurers are now offering Covid cover.

"But, be warned, despite insurers saying they have this type of cover, it’s the bare minimum, or you have to pay extra, so it’s easy to get caught out. Make sure you check what the insurers’ policy is for vaccinated versus unvaccinated travellers."

Important types of Covid cover to look out for

• You are not allowed to board a cruise due to detected Covid symptoms
• You fall ill with Covid-19 or another pandemic illness and cannot travel
• You, or a member of your household, have to self-isolate at home and cannot travel
• During travel, travel restrictions for a pandemic illness are imposed which were not in force ahead of travel, requiring you to return home
• You are due to travel, but the country you are travelling to introduces a quarantine period on arrival and you no longer wish to travel and want to cancel your holiday

- READ MORE: Do you need special travel insurance for a cruise? -

Does travel insurance cover cancellation?

The good news is you will get your money back, in some form.

"Your cruise company is legally required to reimburse you for the money you have paid," Wright confirmed, "In some instances, they will offer either a voucher for future use or a different holiday.

"It is entirely up to you whether or not you accept these alternatives, you are fully entitled to decline and insist on a cash refund."

How much is travel insurance UK?

"The cost will vary depending on the cover required," Wright detailed. "Expect to pay around £8 for a Single-Trip policy for a long weekend."

Is travel insurance more expensive if you're older?

Travellers over 70 do face high premiums as they are more likely to incur a medical claim hence premiums reflect the increased risk that underwriters face.

- READ MORE: Travel insurance costs can double after 70 years old -

Can you be reimbursed for travel insurance if your holiday is cancelled?

No, you cannot get your money spent on insurance back if your trip does not go ahead.

Wright elaborated: "You will have been ‘On Risk’ for cancellation arising from a series of risks, as set out in your policy, including being hospitalised or being medically unfit to travel, from the moment you purchase insurance until you actually start your journey, this can be a number of months.

"As a result, your policy has been used and insurers will not usually refund the premium. In all circumstances, you will be able to get a full refund if you cancel your insurance within 14 days of purchase. Some insurers are willing to change the dates of your policy at no cost if you have accepted a different holiday.

"With insurers that already cover cruises as part of their standard policies, or depending on the level of cruise ‘add on’ you have purchased with policies where cruises don’t come under standard cover, you’ll automatically be covered for cancellation, along with medical needs and evacuation."

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Travel insurance for cruise holidays

Get on board with our cruise cover add-on for extra peace of mind

Underwritten by Great Lakes Insurance UK Limited

What is cruise travel insurance?

Whether you’re cruising around the world or setting sail across the Med, cruise holidays are great for soaking up plenty of sun, sights and culture. But it’s important to have the right travel insurance in place, just in case something happens while you’re at sea.

Most travel insurance plans don’t cover the types of activities and risks associated with cruises. These can include itinerary issues, such as missing a scheduled port stop or missing out on a planned excursion due to injury or illness.

Why choose Sainsbury’s Bank Travel Insurance?

With our travel insurance and cruise cover you’ll get:

• Up to 20% off if you’re a Nectar member. Exclusions apply*
• Access to a 24-hour helpline in case of medical emergencies while you’re away
• Compensation if your cruise ship can’t make a scheduled port stop
• A choice between three levels of cover – Silver, Gold and Platinum

How does cruise holiday insurance work?

Only available on our Single Trip policies, it’s easy to add before you get a quote. Just let us know at the start of your online or phone application that you need it.

We’ll tailor your plan based on how long you’re going for and the countries you’re visiting. It’s also important you let us know about any  pre-existing medical conditions . If you don’t, future claims may be rejected, and payouts reduced.

Rates and cover limits vary by policy.

Cruise with confidence

When you choose Sainsbury’s Bank Travel Insurance and include cruise cover, you can relax knowing we have you covered.

Covid-19 Cover

Covid-19 cover is included as standard on all of our policies. Don’t forget to check the latest  Foreign, Commonwealth and Development Office (FCDO)  and local government travel advice before you go. You won’t be covered if you travel against it.

For full details of the Covid-19 cover provided on new and existing policies take a look at our  policy booklet .

What else is included in our cruise cover?

We offer three levels of Single Trip insurance – Silver, Gold and Platinum. And once you’ve added cruise cover, you’ll also get the following:

Please see our  policy documents  for more information about what’s included in our Single Trip policy. Limits and excesses may apply.

Making a claim

To make a cruise travel insurance claim you must provide us with, where appropriate:

• The tour operator’s booking invoice or other evidence of your trip
• Confirmation of confinement to your cabin by the ship’s medical officer due to a medical condition
• Written confirmation from the cruise operator or tour operator stating the reason and number of missed ports

Need to talk to us?

If you have questions about our cruise cover, or anything else related to our travel insurance, get in touch with our friendly team.

Call  0345 305 2621 .

Sales and service lines are open 9am-5pm Monday to Friday. Closed weekend and Bank Holidays. Calls may be monitored or recorded. Calls are charged at local rates from landlines and mobiles.

Helpful phone numbers .

Terms and Conditions

* Up to 20% discount applies when you tell us your Nectar card number. Discount does not apply to premiums for pre-existing medical conditions or enhanced gadget cover. You won't be eligible if you buy through a price comparison website. We reserve the right to change or cancel this offer without notice

Sainsbury’s Bank Travel Insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting; register.fca.org.uk.

Sainsbury’s Bank Travel Insurance is sold and administered by Hood Travel Limited, registered at Companies House 08318836. Hood Travel is authorised and regulated by the Financial Conduct Authority under registration number 597211. Hood Travel Limited’s registered address is at 2nd Floor, Decora Court, Tylers Avenue, Southend-on-Sea, Essex, SS1 2BB.

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Cruise Travel Insurance

Our Cruise Travel insurance covers you for:

• Missed port departure
• Cabin confinement
• Cruise interruption

Cruise Travel Insurance provides essential cover for your cruise. This includes onboard medical emergencies, cruise interruptions and cancellations, cabin confinement and lost luggage.

We can help you find a cruise Travel Insurance policy tailored to your exact needs and preferences, even if you are living with medical conditions. We also have no upper age limits on our cruise policies.

What is Cruise Travel Insurance – and why do you need it?

Cruise Travel Insurance is specially designed to cover all aspects of your cruise, giving you peace of mind and comprehensive protection.

• It’s tailored for cruises: Unlike standard Travel Insurance, Cruise Travel Insurance includes essential cover specific to cruises, including cabin confinement, onboard illnesses, and medical emergencies
• Medical conditions: Cruise Travel Insurance is essential if you’re living with a pre-existing medical condition, as it covers specific cruise-related incidents that aren’t included with standard cover. For example, if you need an emergency air ambulance back to the UK from Spain and don’t have cruise cover, you could face costs of tens of thousands of pounds
• Cover is a requirement for many cruise companies: most cruise operators need you to have a comprehensive Travel Insurance policy in place before you set sail, making this a vital consideration ahead of your cruise

Having the right kind of policy ahead of your trip is a great way to make sure your cruise is smooth sailing.

What does AllClear’s Cruise Insurance cover?

AllClear’s Cruise Insurance covers a wide range of important considerations, from essential medical and repatriation cover to missed departures, cancellations and cabin confinement if you’re ill on board.

We also provide specialist medical cover for over 1,300 different medical conditions, allowing you to cruise with confidence.

What’s covered?

• Medical and repatriation cover – This covers your medical expenses, along with the cost of returning to your home country (repatriation) in case of a medical emergency during your cruise.
• Cruise cancellation or curtailment –  Covers you if you have to cancel or cut short your cruise due to unforeseen circumstances.
• Personal baggage – Covers your baggage and its contents if lost, stolen or damaged.
• Missed port departure cover – This covers you if you fail to arrive at your international departure point and miss your cruise. You’ll have financial protection for travel and accommodation expenses to join your cruise at the next scheduled port.
• Itinerary change – You’ll be covered for each port missed due to bad weather or timetable restrictions.
• Cabin confinement – In the event of illness, you may be told to stay in your cabin to prevent the spread of sickness onboard. This cover allows you to claim payment if you’re confined to your cabin by the ship’s medical officer.
• Unused excursions – This provides compensation if you miss an excursion due to an accident, injury, or illness..
• Cover for the cost of a friend or relative – This covers the cost of a friend or relative staying with you while you’re being treated or flying out from home to support you if needed.

What’s not covered?

• Claims below the value of the excess – You’re not covered for claims that fall below the value of the excess stated in your policy
• Trips outside chosen region of cover – Your cover is limited to trips within the designated region of cover chosen at the time of policy purchase
• Known events or circumstances – Claims related to events or circumstances that were known to you at the time of buying the insurance or before booking any individual trip are not covered
• You’ll need to declare all the countries your ship will visit or stop at during your cruise, even if you don’t intend to disembark.
• Standard Travel Insurance, without the cruise upgrade, will not provide any cover for cruises. You’ll also miss out on cover for itinerary changes, missed ports, unused excursions and other areas of cover you’ll need when going on a cruise.

Choose the right level of cover

You can add cruise cover to our Gold Plus policies or choose Platinum Travel Insurance, which covers cruises as standard. Check your policy wording for full details of cover.

If you would like further help, please contact us .

SWIPE TO COMPARE POLICIES

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

Find the best Travel Insurance for your cruise

AllClear offers multiple types of Cruise Travel Insurance, so you can choose the one that’s right for your trip. Examples include:

• European Travel Insurance covers trips to European countries, including protection for medical emergencies and pre-existing conditions. Additionally, your European Travel Insurance extends to cover your UK holidays, as long as accommodation is pre-booked
• Worldwide Travel Insurance provides essential cover no matter where you’re travelling
• Single Trip Travel Insurance if you are only planning one holiday, cruise or land, in a 12-month period
• Annual Multi-Trip Travel Insurance protects all of your trips taken throughout the year, whether cruises or land holidays. This may be more cost-effective than buying Single Trip Travel Insurance for each trip or cruise
• Group Travel Insurance is perfect if you’re planning a cruise with friends and family – anywhere from two to ten travellers can be covered together

AllClear’s Cruise Insurance for pre-existing medical conditions

AllClear gives you peace of mind when cruising with pre-existing medical conditions. We believe everyone has the right to cruise.

We can cover over 1,300 different medical conditions, ranging from asthma to heart and respiratory conditions.

Make sure you declare all of your pre-existing medical conditions that fall within the medical warranty, and we’ll ensure you’re covered for the duration of your cruise.

We can provide Cruise Cover for any medical conditions, including:

• Heart conditions
• High blood pressure
• Atrial fibrillation
• Multiple sclerosis
• Crohn’s disease
• Back problems
• Osteoporosis
• Mental health issues

For more information on the medical conditions we cover, please contact us .

How our Cruise Insurance works: A simple 3 step quote process

Simply complete our quick 3-step screening process to receive your quote.

Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details and information about your cruise plans. This can be completed over the phone with one of our team members or online.

Get your quote.

2. Complete our simple medical screening process

Here, you need to declare any medical conditions you have and any medications you and your travel companions are taking.

This way, we can provide the cover that best suits your needs.

3. Get your quote

You can either proceed to buy or save your quote at this stage.

Our experts say… “If you’re planning to take a cruise, you may think that standard Travel Insurance will be enough. However, you won’t have protection for your trip without taking out cruise cover. As well as medical cover, Cruise Travel Insurance also includes extra protection for things like cabin confinement or missed excursions.”

Lydia Cripsin – Travel Insurance expert

What our customers say

With over 126,000 reviews on Trustpilot, it’s easy to see what our customers think about AllClear.

Read more of our customer’s experience:

“This is a return to AllClear after they ‘ saved the day’ last year when our original insurance company declined to cover us when we extended our holiday and added a cruise, so there was no going anywhere else and they didn’t disappoint this year. The advisor was patient, considerate and professional. There were a few health issues to be considered and he explained everything clearly.”

– Sue

Date of experience:  17 February 2024

How AllClear gave Philip the confidence to keep cruising

After being turned away by other providers, Philip found AllClear. The family opted for their Gold Plus policy. After the turbulence of finding the correct insurance provider, the Jolly family were delighted and relieved that, after all, their cruise could go ahead.

Read their story.

What our Customers Say

Frequently asked questions on cruise travel insurance, do you need special travel insurance for a cruise.

Yes, most cruise operators need you to have a comprehensive Travel Insurance policy in place before you set sail. You can add Cruise Cover to our Gold Plus policies or take out Platinum Travel Insurance, which covers cruises as standard.

A standard Travel Insurance policy will not cover cruise-specific risks and incidents, such as cabin confinement, missed port departures, itinerary changes, and onboard illnesses or medical emergencies.

Can you add Cruise Travel Insurance to an existing policy after booking?

For Annual Multi-Trip policies , you can add Cruise Cover to your existing Gold Plus policy after booking your cruise. Cruise cover is already included in platinum policies.

It’s important to ensure your policy covers cruise-specific risks like cabin confinement and missed port departures. So, whether you’re upgrading an existing policy or buying a new one, always check the details to make sure you have comprehensive cover for your cruise.

Do you need Cruise Travel Insurance for a domestic cruise?

Yes, you need Travel Insurance for a domestic cruise, even though you won’t be leaving the country. Many cruise lines now require guests to have valid Travel Insurance to board

While international medical cover may not be necessary, other aspects such as cover for trip interruptions, cancellations, or lost luggage remain essential.

Do you need Cruise Insurance for a river cruise?

Yes, you need Cruise Insurance for a river cruise . You will have no cover on a river cruise if your policy doesn’t include cruise cover.

Does your Annual Multi-Trip Travel Insurance cover you on a cruise?

If you have a Gold Plus policy, you will need to add Cruise Cover as an optional extra onto your Annual Multi-Trip Travel Insurance to make sure you’re covered.

If you have a Platinum policy, Cruise Cover is automatically included.

Standard Travel Insurance does not cover cruises, including river cruises. Ensure you have Cruise Cover before departing, as you won’t be covered while on a cruise without this add-on.

Can I add insurance after booking a cruise?

Yes. As long as you have not yet left for your cruise you can buy Cruise Cover after booking your holiday.

Will you be covered if you have a medical emergency on your cruise?

Yes, as long as you’ve declared your pre-existing medical conditions beforehand, and it fits within the terms and conditions of your policy.

What if your port visit gets cancelled due to bad weather?

AllClear Cruise Travel Insurance offers compensation if scheduled port visits are cancelled due to adverse weather or timetable restrictions. Please refer to your specific policy wording for details.

If you have a GHIC, do you still need specialist Cruise Travel Insurance?

Yes, you will still need Cruise Travel Insurance.

The GHIC (Global Health Insurance Card) will ensure you are entitled to the same level of treatment as a citizen of that country. However, a GHIC is not a replacement for Cruise Travel Insurance, as it does not cover you for:

• The costs of rescue and repatriation (an air ambulance from Spain back to the UK costs £10,000 or more)
• Lost or stolen property such as passports, baggage or precious items
• Losses from trip cancellation, curtailment and interruption
• Extra travel and accommodation costs due to illness
• Any medical treatment needed outside of the EU

Do Cruise Travel Insurance policies cover land holidays?

Yes, holiday insurance for cruises covers both land and cruising holidays.

If you’re not going on a cruise but are looking for increased cancellation cover, you could choose AllClear Gold Plus or AllClear Platinum, where you can increase cancellation cover up to £25K per person.

Does Cruise Insurance cover pre-existing medical conditions?

Yes, Cruise Insurance can cover pre-existing medical conditions, but you need to make sure to disclose them when purchasing the policy to ensure proper cover.

Is it possible to get Cruise Travel Insurance for the rest of my group?

If you’re planning to enjoy a cruise with your loved ones, you can protect everyone under one policy with either a Family Cruise Cover or a Group Travel Insurance .

Do you need to declare all of the places you’ll visit on a cruise?

Yes. Due to the different costs for medical treatment across the world, you need to declare the destinations of your cruise holiday.

Why is Cruise Insurance more expensive?

Medical treatment on a cruise is very expensive compared to most land-based trips. As the cost of potential claims is so high, Cruise Cover can be more expensive than Standard Travel Insurance.

Get the most out of your trip with our helpful guides

Where are you visiting?

Explore our helpful guides for tips to make sure you remember everything you need when cruising to one of the below destinations:

Who is travelling?

With no upper age limits, an AllClear Travel Insurance policy can give you the confidence to travel at any age.

• United Kingdom

Written by: Lydia Crispin | Travel Insurance Expert Last Updated: 21 March 2024

3 - Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 40,000 reviews as of September 2023.

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• Cruise Travel Insurance

Cruise travel insurance

Cruising around the world could be your dream holiday. Make sure you’ve got the right insurance with our cruise cover

Add our cruise cover for extra protection

If you’re off sailing the seven seas, make sure you’re not left high and dry. Our cruise cover is there to help if you need emergency treatment on board or in harbour, or to re-join the ship because an illness or a lost passport keeps you briefly ashore. This upgrade also extends the missed departure and connection cover to outside the UK to include each port on the cruise itinerary, and more

Add all this extra protection to your policy

Tailor your travel insurance to include the mandatory protection you'll need on your cruise, Just pay an extra premium for all this added reassurance. Terms and conditions apply

• Missed departure

If your car breaks down, your train gets cancelled or you lose your passport (outside of the UK) and can’t make your departure, we can have you covered. Our cruise upgrade extends the missed departure and connection outside the UK cover to include each port on the cruise itinerary

• Cruise interruption

Need hospital treatment on dry land? We'll pay travel and accommodation expenses you incur to reach your next port and re-join your cruise

• Missed port

You chose the destinations you want to visit on your cruise with care. If the itinerary has to change and you miss a port, we can help compensate you

• Cabin confinement

Being taken ill on board is never nice. For your wellbeing and to prevent others getting sick, the captain may confine you to your cabin. If so, and you miss parts of your planned trip as a result, we can help compensate you for each 24-hour period

Unused pre-booked excursion cover

If an injury or illness confines you to your cabin, you might miss trips you’ve booked. If that happens, we can help you recuperate the costs

Increased personal baggage limits

On a cruise, you may be away for a while and need more in your luggage. We’ve increased the amount we’ll cover for cruises, so go ahead and pack that extra pair of shoes

Choose a travel insurance cover level

You can add cruise cover for an additional premium. The table shows the maximum cover limits available for each of our cover levels

Policy wording

All medical conditions considered

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can't help and yours is a serious pre-existing medical condition, check the  Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777 .

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

An award-winning provider

Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star rated cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Common questions

What is cruise travel insurance.

Cruise cover is a mandatory add-on for travel Insurance that protects against travel risks unique to going on a cruise. These can include becoming unwell at sea or added complications if luggage is lost or stolen. With cruise cover, you pay an extra premium for extra protection in case of such events.

Why add the cruise cover option?

If you’re a going on a cruise you must add our cruise cover upgrade.

Remind yourself how much a cruise holiday costs. It's typically more expensive than a standard trip. A voyage tends to last longer than most holidays too. Cruises carry their own risks and Cruise Cover is there in case the unexpected should happen.

We don’t like to think about what could go wrong, but cruises can have their own, unexpected upsets. Certain things that could happen at sea may not be covered by a standard policy alone and the extra protection is designed specifically to help with cruise-related mishaps.

For instance, getting ill at sea might mean you're treated on board first, then need emergency evacuation back to shore. Cruise insurance is there to help in such circumstances.

Why choose Post Office for my cruise insurance?

We’re an award-winning travel insurance provider. Our cover includes:

• Evening dress hire

And if you need to contact us about travel insurance  our call centres are right here in the UK.

When should I buy cruise travel insurance?

Cruises are often booked several months before the dates when their ships set sail. Buying your policy well in advance can help safeguard against unexpected events or issues that might delay the trip or cause it to be cancelled altogether.

Read our  when to buy travel insurance  guide to find out more.

• Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, find answers to common questions about our cover or get in touch:

Visit our travel insurance support page

Travel insurance policy types

Single-trip cover.

• Cover for a one-off trip in the UK or abroad 
• Perfect for one-off trips or longer holidays of up to 365 days (2)
• No age limit 

Annual multi-trip cover

• Cover for multiple trips for a 12-month period 
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years 

Backpacker cover

• Cover for a one-off trip up to 18 months
• Option to return home for up to 7 days on 3 occasions
• For people aged 18 – 60 wanting to travel the world for a gap year or career break

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About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

(1) This benefit will be in addition to the personal baggage limit

(2) For Economy, Standard and Premier policies, the single-trip policy will cover you for one trip up to:

365 days for persons aged up to and including age 70

90 days for persons aged between 71 and 75

31 days for persons aged between 76 and above

Understanding What Travel Insurance Covers

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The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

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

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Get Travel Insurance Quotes Online

Protect your trip with the best travel insurance . Compare travel insurance quotes from multiple providers with Squaremouth.

What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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Annual Travel Insurance

Travel Insurance from €14.99^ with 24/7 GP access.

AA Travel Insurance Features And Benefits 🏝

Protection at home and abroad. AA Travel Insurance covers you for staycations and vacations. With 24/7 access to a GP as standard. + More benefits too. Discover now.

Annual Multi Trip

Get cover before, during and after your holiday the whole year.

Cancellation Cover

Cover up to €6,000 for any lost travel and accommodation costs if cancelling your trip is unavoidable

Medical Cover

Emergency medical and repatriation cover up to €10,000,000

Baggage Cover

If your baggage is delayed for more than 12 hours we cover you for up to €300 (€50 per day)

Winter Sports Cover

Covers a wide array of winter sports activities including skiing and snowboarding

COVID-19 Cover

Cancellation, Curtailment, Medical Expenses & additional accommodation cover if you contract COVID-19 while abroad & unable to return home as planned.

24/7 access to a GP as standard.

All AA Travel Insurance policies now give you access to an English speaking GP 24/7 whilst you are abroad. If you need a doctor , they are just a call away or click away…

COVID-19 Cover. Holidays without worry 👌

Our cover for covid-19 gives you the peace of mind you need for a stress-free return to travelling.

Our cover for COVID-19 gives you benefits such as:

• Cancellation cover if you, a close relative or travelling companion receive a positive diagnosis for COVID-19
• Cancellation cover if you, or any person insured by the policy, are required to self-isolate on your scheduled departure date
• Curtailment cover if The Department of Foreign Affairs (or any other equivalent government body in another country) advises you to return home due to COVID-19
• Related Medical Expenses if you contract COVID-19 while abroad
• Additional accommodation if you contract COVID-19 while you are abroad and are unable to return home as planned

Please note that cancellation claims relating to government restrictions for COVID-19 are excluded and any Pandemic illness is not covered within 48 hours of your policy purchase date.

Cover is subject to Terms & Conditions and some exclusions will apply. For full details of cover available please click here

*Please note that cancellation claims relating to government restrictions for COVID-19 are excluded and we will not cover any claim where your travel to a country or specific area or event to which the Travel Advice Section of the Department of Foreign affairs or the World Health Organisation has advised the public not to travel to.

With AA Travel Insurance, we have something for everyone.

Get cheap holiday Insurance from as low as €14.99  We Cover Medical, Baggage, Annual Multi-Trip, Cancellation etc.

Choosing Your Travel Insurance

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Planning a gap year or just time to get away?

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We hope your trip will go off without a hitch, but should something change. We’re here.

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