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Table of Contents

Look to your credit cards, first

What to consider if you buy a separate cruise travel insurance policy, what cruise travel insurance doesn't cover, how to shop cruise travel insurance options, is cruise travel insurance necessary.

Travel insurance can save you when you’re in a pinch, and cruises are especially important to protect. Whether you experience a flight delay, your car breaks down or you get sick, having a backup plan that will cover the cost of your trip, or at least help you get there without extra expense, can be essential. It’s recommended to arrive one day before the departure of your cruise to allow for any delays because if you arrive late to the departure point, the ship may have already left.

If you find yourself stranded at the pier long after your cruise has left, or aren't able to get to the pier at all, cruise travel insurance can help. These are some of the best travel insurance options for cruises.

» Learn more: The best travel credit cards right now

Many credit cards provide sufficient travel protection that can help you in the event of a delay or cancellation. It can even help if you arrive on time, but your bags do not. Other travel protections include helping if you need medical attention or evacuation during your trip, as well as insurance for a rental car if you decide to drive in one of the ports you visit.

Some of the popular credit card options that provide ample protections include:

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

Marriott Bonvoy Brilliant® American Express® Card . Terms apply.

United℠ Explorer Card .

You'll need to review the policy before the trip to decide if you need to purchase additional coverage.

» Learn more: What to know before buying travel insurance

If you don't have a credit card with coverage or you want to add more protection, it is wise to buy insurance as soon as possible after booking the cruise. Some companies require that you buy cruise insurance within two weeks of making the initial deposit, particularly if you're hoping for pre-existing medical coverage.

The longer you wait to buy cruise insurance, the higher the price may become.

Also, your own health insurance may not cover cruise travel or medical attention onboard a ship. Often, some personal insurance plans do not protect passengers once they have sailed more than six hours from any U.S. port. This may come as a surprise for those who thought they were protected, which is why it can be wise to purchase additional coverage for a cruise.

Since medical treatment on a ship may be more expensive, and evacuation at sea may require a helicopter or small boat, having emergency coverage can be essential.

If you’re still deciding on additional protection, consider these factors:

Destination: Is it remote or far from an airport or medical facility? How difficult will it be for you to find medical care or leave the ship?

Length of stay: How long will you be traveling? If it's only a few days, the probability that you will need coverage is less than if the trip were longer or farther from home.

Credit card protections: Read the fine print of your credit card benefits. If you used that card to pay for your travel, you may already have protection in the event of trip delay or cancellation, missing or lost luggage, medical reasons or weather issues.

Personal liability: Will you be engaging in activities that may make you responsible for someone else’s injury? Will you be renting a car or participating in activities like boating, biking or motorized water sports? If you may be held liable for someone else’s injury, insurance can help protect you.

As important as knowing how you will be protected, it is also paramount to know what is not included.

For example, if any injury or health issue is alcohol-related, it may not be covered. You might also want to know if natural disasters like a hurricane, terrorist incidents or bankruptcy by the cruise line are also covered. Sometimes, there are specific carve-outs for such situations.

Another important factor to consider is COVID-19 protection , as not all insurance plans include it. You will want to consider what happens if you get sick before the sailing or onboard since you may have to find accommodation if you are not able to travel for a period of time.

Some cruise insurance policies will cover itinerary changes. This means if you have your heart set on visiting a particular place, but it gets cut from the itinerary (a common occurrence due to weather conditions), you would receive some form of compensation. Not all plans include this, and for certain trips with a popular port (like visiting Alexandria, Egypt, to drive to the Pyramids), it may be wise to check if you are covered.

» Learn more: Should you insure your cruise?

There are many providers of travel insurance, and often, cruise companies will recommend a partner when making a reservation. Those are often best since the cruise line has a history of working with that company and has considered the intricacies of the various ports its ships are visiting. Still, policies vary.

If you want to buy a policy beyond what is already offered by your credit card, start with an aggregator site like Insure My Trip that compares several policies based on the criteria you choose. How long will you be gone? Where are you going? Do you have any pre-existing conditions? All of these things can affect the price of a policy that you purchase.

There are other respected insurance options like Travel Guard , which has policies specifically geared toward cruise trips. SafeCruise from VisitorsCoverage is another plan that is designed for cruise travel, and it includes an upgrade for a partial Cancel For Any Reason reimbursement.

Deciding if you want to protect your trip probably depends on your budget. If you can afford a worst-case scenario without protection, then maybe you won’t need to purchase travel insurance for cruises.

But for most travelers, having a backup plan in case anything goes wrong makes the trip that much more enjoyable.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

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

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

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

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

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

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

The 5 best cruise travel insurance plans

While smooth sailing will always be the aim, cruising today is often about expecting the unexpected. You can prepare yourself by taking out an insurance policy that can compensate you when your vacation at sea does not go as planned.

Need to cancel your trip last minute due to an accident or illness? Did your bags get delayed or lost? Do you need to exit the sailing early to take care of an emergency back home? Was there a mechanical issue with the ship that required a change of itinerary, causing you to miss your flight home?

For cruise news, reviews and tips, sign up for TPG's cruise newsletter .

All of these contingencies and more can be covered; it's just a matter of finding the best insurance policy for you. Here's how to evaluate which plan is the right choice for you, as well as five of the best cruise travel insurance plans available.

The best cruise travel insurance plan will always be a 3rd-party option

No plan will meet the needs of all cruise travelers, so there is little benefit to booking the one insurance option recommended by your cruise line during the booking process other than convenience.

You'll often find more affordable rates, comprehensive coverage and favorable terms utilizing third-party insurance companies. You'll have a wide choice of plans, so you can pick the one that works the best for your situation.

If you're wondering where the best place is to purchase third-party insurance, "No one comparison site is getting preferential deals," says Stan Sandberg, co-founder of TravelInsurance.com . "Insurance carriers' rates are the same anywhere." However, these insurance comparison sites can help you directly compare the pricing and coverage of multiple policies by a range of preferred providers.

Look for the following coverage options and compare coverage amounts to determine which third-party plan is the best cruise insurance option for your upcoming trip.

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

Trip cancellation

You'll want to be reimbursed if an unexpected event forces you to cancel your cruise. Be sure to read the fine print of your policy, detailing which specific reasons for canceling your trip are covered and not covered.

Trip interruption and travel delays

You'll also want to be covered if issues occur after travel begins. It's important to find "a plan that offers trip interruption if something does happen during your trip, along with a plan that offers emergency medical evacuation, coverage for travel delays and missed connection benefits," adds insurance expert Meghan Walch from InsureMyTrip .

Related: What happens if you miss your cruise

COVID-19 contingencies

Walch advises all travelers booking a cruise to consider a plan that includes cancellation coverage for COVID-19. Note that you'll need more than a home test to file a claim. According to Walch, "You'll need a doctor saying that you have been diagnosed with COVID and specify that you are unable to travel."

In addition, look for coverage if you get sick and need to isolate away from home. "Some plans offer additional trip delay coverage, put in place as a result of needing additional or higher limits for instances that might include if the policyholder gets quarantined in a location," Sandberg adds.

Cancel for any reason

A cancel-for-any-reason optional upgrade offers the most flexibility. You can get a refund of up to 75% if you cancel your voyage for reasons not usually covered by travel insurance. However, it adds about 40% to your premium and can only be purchased within a limited window of time after your cruise purchase.

Related: What happens if my cruise line changes my itinerary or ship?

Lost or delayed baggage

Baggage loss insurance covers your luggage if it is lost, damaged or stolen during your trip. In the case that you make it on the cruise and your bags do not, the insurance agency can assist with locating and redirecting the bags to your next port, reimbursing you for items you may need to purchase to get you through your travels while you are without your belongings and covering your losses in the case that the bag is actually gone for good.

Note that certain high-cost items such as electronics, luxury watches and fine jewelry are not always covered by baggage loss insurance. Consider purchasing additional coverage for such items or — better yet — keep those items with you at all times.

Health coverage

Medical coverage is another consideration. "Most domestic health coverage [including Medicare] does not cover travel abroad, so it is important to look at a travel insurance policy that offers medical coverage during your trip, just in case anything happens," says Walch. "If you fall ill or are injured during the trip, it can be pretty expensive – even when going to the ship's onboard medical facility."

Related: How to avoid getting sick on a cruise

Hurricane coverage

Extreme weather and hurricanes are typically not covered if the cruise commences as scheduled, though you might be eligible for trip interruption coverage if weather cancels the cruise or cuts the itinerary short. There are also insurance plans that offer trip reimbursement if a destination on your itinerary is under a National Oceanic and Atmospheric Administration-issued hurricane alert or warning.

How much will cruise travel insurance cost?

Insurance pricing is dependent on the trip cost and the age of the insured travelers. Sandberg estimates that "travelers in their 30s or 40s can ballpark insurance coverage somewhere around 5% to 7% of the trip costs, with rates that can get lower depending on the extent of coverage."

Insurance is a tiered product that gets more expensive as you age. "As you get older, that range can expand to 10% of trip costs," notes Sandberg. "Adding bells and whistles, like 'cancel for any reason' [coverage], rates can rise to 11% to 12% of the cost of your trip."

Related: How cruising newbies waste money on their 1st cruise

5 best cruise travel insurance plans

Following extensive research scouring the fine print, we've selected five of the best cruise insurance plans that will appeal to a variety of seagoing travelers.

All five plans provide coverage for COVID-19-related trip cancellation and interruption.

For the leisure cruiser: TravelSafe Classic Plan

TravelSafe's Classic Plan is the best value all-around for the average cruiser, with superior coverage limits at a fair rate.

This plan's coverage includes an impressive $1 million per person for medical evacuation and a high $2,500 coverage limit for bag loss. You have extra time – 21 days – from your initial deposit to add a cancel-for-any-reason upgrade to your plan. The accident and sickness medical coverage is primary, with coverage up to $100,000.

The policy's $750-maximum trip delay coverage begins after a six-hour delay and includes kennel fees for up to $100 per day, along with coverage for additional meal and accommodation expenses.

For the budget conscious: AXA's Silver Plan

AXA's Silver Plan is the company's entry-level offering, with more value added than most budget insurance options — most notably the company's concierge service. Coverage under this plan includes robust trip cancellation and interruption coverage, both at 100% of the costs, along with $100,000 for emergency medical evacuation.

The plan also offers identity theft assistance in case your wallet or passport gets stolen while traveling, assisting with filing and obtaining police and credit reports, taking inventory of lost or stolen items, and even wiring emergency funds to you when you're really in a bind.

You won't have the option to purchase a cancel-for-any-reason add-on or opt in for a collision damage waiver on this lowest-tier plan.

For the luxury cruise traveler: John Hancock's Gold Plan

John Hancock's Gold Plan offers robust medical evacuation and repatriation coverage up to $1 million per person, ideal for those luxury cruises that rove to the farthest reaches of the globe. The plan has excellent baggage loss coverage at up to $2,500 per person, along with a low three-hour minimum travel delay ($1,000 per person, $200 daily limit) benefit.

Preexisting medical conditions are covered by this policy, though you must purchase your policy within 14 days of your trip deposit.

For increased medical coverage: Seven Corners' RoundTrip Choice Plan

Seven Corners' RoundTrip Choice Plan offers primary medical coverage for emergency accident and sickness medical expenses up to $500,000, while many other plans only offer secondary coverage. The plan's medical evacuation coverage is high at $1 million, and preexisting conditions are covered with a few conditions that apply, namely that you purchase the policy within 20 days of your initial trip payment.

The policy also offers detailed, robust COVID-19 coverage, including reimbursement for medical care if you contract COVID-19 while traveling. Its coverage also includes meals, local transportation and lodging if you're delayed six or more consecutive hours due to quarantining with COVID-19.

Coverage options on the plan may vary slightly depending on which U.S. state you claim as your residence.

For the adventurous cruiser: World Nomads' Explorer Plan

World Nomads is one of the few insurance companies that will cover more than 200 adventure activities on your travels, including scuba diving, skydiving and bungee jumping. The coverage for the long list of activities includes emergency medical expenses while outside the U.S., medical evacuation and repatriation, along with trip interruption.

World Nomads' Explorer Plan also offers $25,000 in coverage for nonmedical emergency evacuation for covered events, such as a natural disaster or political or security situations.

Travelers 70 and older are required to add a "Silver Nomads" policy, offered through TripAssure.

Bottom line

Cruising isn't always a blissful week spent relaxing on the pool deck or snorkeling among multicolored reefs. Mishaps occur, whether it's losing luggage, missing a flight or falling ill.

The best cruise insurance policies are the ones that won't let you sail without a safety net, charging a fraction of your trip expenses in exchange for the peace of mind that there's a plan in place should something go wrong. With a range of pricing and coverage options available, you can feel confident that you can find a policy to suit your travel needs.

Planning a cruise? Start with these stories:

• The 5 most desirable cabin locations on any cruise ship
• A beginners guide to picking a cruise line
• The 8 worst cabin locations on any cruise ship
• The ultimate guide to what to pack for a cruise
• A quick guide to the most popular cruise lines
• 21 tips and tricks that will make your cruise go smoothly
• 15 ways cruisers waste money
• The ultimate guide to choosing a cruise ship cabin

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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.

Catch up on CNBC Select’s in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.

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June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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Protect your cruise with the insurance 70 million+ Americans trust

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Travel Insurance for Cruises

When experienced cruisers are about to set sail, they choose Allianz Travel Insurance to protect their cruise. Why? Because when you’re at sea, small mishaps quickly become major problems. Travel insurance can help make things right.

If the ship sails without you because your flight to Miami was delayed, travel delay benefits can help you catch up. If you break your leg and have to cancel your trip, the cruise line won't reimburse you—but travel insurance can. And if you suffer a medical crisis on board, travel insurance can cover your evacuation and emergency medical care.

Here’s the best part: Allianz Travel Insurance is much more than cruise travel insurance. Our plans can protect your flights, hotel stays, cruise excursions, and just about any other kind of travel. Learn about the options and insure your next cruise, so you can leave your worries at the dock.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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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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12 Tips & Things to Know About Buying Cruise Travel Insurance

Note: Cruzely.com nor the author is an insurance professional. Be sure to review any policy and ask your insurance company any questions you might have.

We are an affiliate of InsureMyTrip, linked below. We receive a small commission if you buy travel insurance through the links included in this article, at no cost to you.

Travel insurance may never have crossed your mind if most of your previous trips consisted of short, domestic jaunts. But once you start planning your first cruise, we suggest that you’ll want to protect your trip with a good travel insurance plan for your cruise .

Why do we think travel insurance is so important when taking a cruise? After all, 99.9% of cruise passengers have a great time without a hitch.

The issue is that when something does come up, it can be a major hiccup in your trip. After all, with cruising you have a lot of money on the line as you have to completely pay for your trip before you board.

If you have to cancel, you could be out a significant amount of money. Add to that the fact that any medical issue at sea or in a foreign country can be expensive to treat, and it’s easy to see why it’s a good idea to have some protection.

But we know that choosing a plan may feel bewildering at first. That’s why we’ve put together a dozen tips and things to know to help you make better choices in selecting cruise insurance.

Keep in mind the final word on your policy and what it covers — including coronavirus — rests with your specific insurance company and policy. Be sure to review any details of the plan. Most travel insurance policies have a feature that gives you time to review the plan after purchasing to make sure it’s right for you.

Understand the importance of cruise insurance

If you’re a risk-tolerant person, you might think you don’t need travel insurance. After all, most cruises go off without a hitch.

We suggest you spend a little time on Google, researching the many things that have happened to real-life cruisers to get an idea of how many things can go wrong, from missed connections to storms , to mechanical failure , to shipboard illness .

Obviously, these events don’t occur all the time, but since they do happen sometimes, going without cruise insurance makes as much sense as leaving your car uninsured.

Budget the cost of cruise insurance into your plans

When making a budget for your cruise, don’t spend your entire travel fund on the voyage itself. Allow approximately 3-10% of the cost of your cruise to purchase cruise insurance. Budgeting beforehand makes the cost more bearable as it’s then seen as part of the cost of the cruise, instead of an extra expense later on.

Don’t wait until the last minute to buy insurance

We suggest buying cruise insurance as soon as possible after you purchase your voyage. Your trip cancellation benefits will begin after you buy your insurance. If something comes up forcing you to cancel your cruise for any of the reasons covered in your plan , you will be reimbursed for expenses that can’t be refunded by the cruise line or airline. Wait too late and something could come up that causes to you to cancel before coverage is in place.

Know that not all reasons for cancelling are covered

You might think if you have travel insurance and have to cancel your trip, you’ll be covered. In many cases, this is true. However, travel insurance only covers for pre-defined reasons like sickness or injury, job loss, and others.

It also usually doesn’t cover risks like epidemics . With the coronavirus, many insurers aren’t covering losses stemming from it. Here’s what Allianz issued in a press release recently:

“As of February 3, 2020, both the Centers for Disease Control and the World Health Organization have recognized 2019 Novel Coronavirus as an Epidemic. Many travel protection plans exclude losses caused directly or indirectly by an Epidemic. Please refer to your plan to learn whether this exclusion applies to you.”

As well, if you just cancel because you don’t want to go anymore or you are fearful about what “might” happen, then you won’t usually be able to file a claim. (You can get “Cancel for Any Reason” coverage. More on this below.)

Don’t rely on the cruise line coverage

When you buy your cruise, you’ll usually have an offer to buy insurance for your trip as well. Although it may seem like a good idea to purchase cruise insurance as part of a “one-stop-shop” while buying your cruise, the coverage offered by the cruise lines typically has lower limits — and can be more expensive — than third-party insurance. We’ve found that you usually get a better deal with third-party insurance plans .

Do some comparison shopping

Like most other consumer services, insurance costs can vary widely. Sites like InsureMyTrip.com allow you to receive quotes from multiple insurers at the same time, so you can easily compare different companies. Just like you wouldn’t go with the first car insurance quote you get, it’s a smart idea to shop around to get the best price and coverage for your needs.

Get references, if possible

Ask your travel agent if he/she can recommend a reliable provider for cruise insurance. If you have friends who cruise, ask about their experiences with travel insurance companies.

You might also want to check Cruise Critic’s online forums and/or Facebook cruise travel groups to find out if there are insurance companies other travelers recommend. Members of Cruzely have personally used sites like InsureMyTrip to find a policy and felt like it offered good coverage for the cost.

Don’t skimp on coverage limits

If your insurer offers you options for plans with higher and lower limits, spend a little bit more to get more coverage. If you have a medical emergency, for instance, and must be evacuated from the ship or a small port town to a large, well-equipped hospital, costs such as helicopter transportation can add up quickly. In our opinion, few people would complain about having too much coverage.

Understand what cruise insurance does and does not cover

Cruise insurance can protect you from minor mishaps (lost luggage) as well as emergencies (medical payments or evacuation). You can read our guidelines here explaining what we think you should look for in a cruise insurance policy. However, insurance does not guarantee your trip will be perfect.

Don’t expect to be reimbursed if you can’t tan poolside during your cruise because it rains every day of your voyage. As well, things like having a port of call cancelled aren’t usually covered either.

Consider your personal health history and employment situation

Read your policy carefully, then ask questions about issues likely come up for you. If you have a health condition, find out if your policy covers pre-existing conditions.

A recent news story told of a Washington couple whose travel insurance rejected their claim when they canceled their cruise because of concerns about an ongoing battle with breast cancer (some policies will cover pre-existing conditions in some circumstances).

If your employer has hinted at a promotion requiring increased hours, find out if your policy covers you if you must cancel for work-related reasons. (Most policies do cover job loss.)

Consider add-ons to your policy (cancel for any reason coverage)

You should know that most policies only offer cancellation reimbursement if you have to cancel your cruise for a list of pre-defined reasons. If there’s a strong possibility you might have to cancel your cruise for reasons other than those covered by basic cruise insurance, you may want to get a “ Cancel For Any Reason ” add-on to your basic policy. Other add-ons can add more protections for different circumstances.

This feature costs more and it usually doesn’t give you back 100% of your trip cost. But it does offer some peace of mind with its flexibility. Again, see your specific policy for details.

( See how affordable travel insurance can be. Get a free quote from InsureMyTrip. )

Bring your cruise insurance information with you on your trip

An emergency that requires looking up your policy number might also involve losing your phone, so don’t rely on a smart-phone insurance app or other electronic means. Print out basic information about your policy and pack it in a secure place in your luggage.

A small purchase can make a big difference

The relatively small extra investment you make in purchasing cruise insurance can give you peace of mind to enjoy your trip if nothing happens – and protect you financially if an unforeseen event interferes with your voyage.

Once you understand how this type insurance works, you can include purchasing travel insurance one of the items on your pre-voyage checklist before every cruise. You can get a free quote here , see how much coverage might cost, and see everything it covers.

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16 top adults-only cruises for 2024.

Pack your bags and leave the kids behind for your next cruise adventure.

Top Adults-Only Cruises

Courtesy of Carnival Cruise Line

Gather the grown-ups and set sail on an ocean, river or expedition cruise around the world.

If your idea of getting away from it all includes a vacation without the kids, consider booking an adults-only or adults-oriented cruise . While some lines provide a fully adults-only experience (i.e., children are not allowed on board), others offer adult-focused venues and activities on the ship to keep you separate from younger patrons.

When you're ready to plan your adventure on the high seas, the following cruise lines provide upscale amenities, immersive excursions, sophisticated dining options, lively nighttime entertainment and time for relaxation among like-minded – and similarly aged – travelers.

Find your perfect cruise

Viking Ocean Cruises

Courtesy of Viking

Travelers 18 and older are welcome aboard Viking 's adults-only ships, which feature destination-focused itineraries around the world. The line's nine oceangoing 930-passenger ships offer luxurious, Scandinavian-style accommodations and comfortable spaces to relax with a book or gaze out at the ocean. Viking's exploration program boasts special access to behind-the-scenes experiences curated for travelers interested in history, food or science. Immerse yourself in local culture with a visit to a traditional farm near Bergen, Norway, or spend an evening dining on Caribbean Creole cuisine prepared by renowned chefs in a mansion in Cartagena, Colombia.

In addition to these off-the-beaten-path excursions, guests can visit iconic sites like the ancient city of Ephesus (Kuşadasi) in Turkey and the Acropolis in Athens, Greece . Viking also hosts onboard enrichment programs like destination-themed performances, cooking classes and lectures by historians. Cruise fares include stateroom accommodations with a private veranda, all meals (including specialty dining venues), wine and beer at lunch and dinner, one free excursion per port, complimentary Wi-Fi, and access to onboard amenities such as the Nordic Spa.

In addition to its ocean vessels, Viking offers river cruises in destinations around the world – including the U.S. – on the new Viking Mississippi, a ship purpose-built for Mississippi River cruises . The line also has two Polar Class 6 expedition ships, Viking Octantis and Viking Polaris, which traverse waterways from Canada to the Caribbean to remote destinations in Antarctica .

Explore Viking cruise deals on GoToSea, a service of U.S. News.

Virgin Voyages

Courtesy of Virgin Voyages

Virgin Voyages offers an adults-only retreat for guests ages 18 and older. The line currently has two sister ships: Scarlet Lady – the first in the fleet – and Valiant Lady. The line's third ship, Resilient Lady, is set to debut in May 2023 in Athens. Brilliant Lady, Virgin's fourth vessel, is scheduled to launch by the end of 2023.

All the ships in this adults-only cruise line feature 1,330 cabins (most with balconies) and 78 RockStar Quarters suites, where guests have access to Richard's Rooftop, an exclusive outdoor deck space. The superyacht-inspired vessels boast 20-plus eateries, including restaurants by Michelin-starred chefs, and a variety of onboard fitness and wellness spaces. At Redemption Spa, relax and recharge in the mud room or salt therapy chamber. You can even order a bottle of bubbly anywhere on the ship via the Virgin Voyages Sailor app's secret "Shake for Champagne" feature.

Itineraries span destinations in the Caribbean , Europe and trans-Atlantic crossings, as well as Australia, Asia and the Middle East during repositioning cruises. Cruise fares cover meals at all the dining venues; basic beverages such as water, tea and coffee; gratuities for the crew; Wi-Fi; and unlimited fitness classes. While on board, be sure to indulge in a swanky dinner at The Wake and an immersive show at The Red Room, the first multiform theater at sea.

Book a Virgin Voyages cruise on GoToSea.

Saga Ocean Cruises

Courtesy of Saga Cruises

Hop across the pond to sail on U.K.-based Saga Cruises, which specifically caters to guests 50 and older (though travelers may bring a companion as young as 40). Saga's boutique luxury ocean cruise ships carry a maximum of 987 passengers each. The line's two ships, Spirit of Discovery and Spirit of Adventure, feature all-balcony cabins and depart from the Dover, Portsmouth and Tilbury cruise ports in England.

The British-inspired sailings are all-inclusive: Fares cover meals at all onboard restaurants as well as access to entertainment venues, Wi-Fi, and unlimited alcoholic and nonalcoholic beverages. Prices also include excursions in certain ports of call, gratuities and chauffeur service from locations in the U.K. to the embarkation port. Guests can enjoy wellness-focused activities on the ship, such as yoga classes, spa treatments and customized fitness programs.

The company offers itineraries in Europe, the Caribbean, the U.S. and Canada , in addition to Greenland, Iceland, the Canary Islands and West Africa. On Spirit of Adventure, Saga's newest ship, passengers can spend evenings indulging in Italian cuisine at Amalfi, sampling Nepalese dishes at Khukuri House, or settling in for drinks and dinner at the Supper Club, which features jazz music and cabaret-style entertainment.

Read: Cruise Packing List

P&O Cruises

Courtesy of P&O Cruises

Two ships in P&O Cruises' U.K.-based fleet – Arcadia and Aurora – are exclusively for adults 18 and older. Arcadia, the slightly newer of the two ships since it debuted in 2005, carries 2,094 guests and 866 crew. The ship departs from Southampton in the U.K. and sails to the Canary Islands , Spain and Portugal; the British Isles; Norway and Iceland; and the U.S., Caribbean and Canada.

Arcadia's five restaurants and 10 bars and cafes include Indian offerings with a British twist at Sindhu as well as steaks and seafood by renowned British chef Marco Pierre White at Ocean Grill. Passengers can sip Champagne at Intermezzo, the ship's cocktail and Champagne venue, or enjoy a pre-dinner aperitif at the yacht-inspired Spinnaker. After exploring exciting ports of call, head back on board to enjoy Arcadia's elegant interiors and top-notch service. You can splurge on a stone therapy treatment at the Oasis Spa for some extra pampering, followed by a live show at the three-tiered theater, The Palladium. Then, finish off the evening dancing the night away at The Globe.

Aurora is a slightly more intimate ship, carrying 1,874 passengers and 850 crew members. A four-level atrium gallery sits at the heart of Aurora. Itineraries include destinations in the Mediterranean, the Baltic region, Spain and Portugal, and the U.S. and Canada, plus a world cruise. There are seven dining venues as well as 11 bars and cafes on the ship. Dine at the same time every evening at club-style restaurant Alexandria, or opt for a more flexible schedule at The Beach House or Medina. Cruisers can also sit down for a tasty meal at The Glass House, which serves casual bites paired with wines from around the world. After dinner, live entertainment and dancing await you at the show lounge Carmen's, as do larger productions at the ritzy 652-seat Curzon Theatre.

Read: The Best Cruise Insurance Plans

Top Cruises Designed for Adults

While many all-inclusive – or mostly all-inclusive – boutique and luxury cruise lines are family-friendly, many of the onboard venues and activities are adult-by-design. Since there are few (or no) activities geared toward younger cruisers and no babysitting services, you typically won't find parents with young children on these ships.

Courtesy of Azamara

Azamara's four upscale boutique ships provide immersive travel experiences geared toward adults. These smaller ships – accommodating a maximum of 702 guests – sail waterways and rivers larger ships can't access, docking in city centers and unique ports of call around the globe.

Many Azamara voyages also offer longer stays and overnights in port not found on many other itineraries, including wine and culture itineraries. Some even feature special events, such as a voyage to the Monaco Grand Prix in May 2023 and 2024, or a 12-night round-trip cruise from Buenos Aires, Argentina , to attend Carnival in Rio de Janeiro . In addition, the line is extending its offerings on Country Intensive voyages in 2023 and 2024 with itineraries in destinations like various European countries, South Africa, Australia and Japan.

On board you'll find a wide selection of casual and formal dining options ranging from Windows Cafe to the main dining room, Discoveries Restaurant. Specialty restaurant offerings include top-notch steak and seafood at Prime C or, if you prefer, Italian fare at Aqualina. First offered on Azamara Onward (the newest ship) before being expanded to the whole fleet, Atlas Bar serves innovative craft cocktails like the London Fog Martini or Tuscan Delight. Discoveries Lounge is another guest favorite for mingling with fellow cruisers at the end of the day. Wine aficionados will enjoy pairing limited-production and rare vintages from the Wine Cellar with dinner in the evenings.

Cruise fares include stateroom accommodations; select spirits, wine and beer; gratuities; and nonalcoholic beverages like bottled water, specialty coffees and tea. You'll also get access to complimentary AzAmazing Celebrations with special evening and daytime events ashore and on the ship. Additional amenities like a complimentary internet package, free specialty dining, butler service and other perks come with suite accommodations.

Find an Azamara cruise on GoToSea.

Courtesy of Scenic

Scenic Eclipse, touted as "The World's First Discovery Yacht," offers an all-inclusive, ultra-luxurious experience for just 228 guests (with 172 crew). The ship's Polar Class 6 rating enables it to sail to destinations like Antarctica. On these expedition-style voyages, the ship will carry only 200 guests and a total of 192 crew. All suite accommodations include a private veranda or terrace; butler service; state-of-the-art amenities; Egyptian cotton linens; and an in-suite minibar stocked with Champagne, wine and other personally selected beverages. You'll also find indulgences like onboard helicopters for intimate excursions and Scenic Neptune, an underwater submarine.

Guests can enjoy up to 10 dining experiences on the ship, including fine dining at Lumière. This elegant French restaurant seats just 35 guests and features a multicourse degustation menu and a Champagne bar. For a less formal option, check out the Asian, Indian and Middle Eastern specialties – and the intimate teppanyaki grill experience – at Night Market @ Koko's. When it's time for an after-dinner drink, sample one (or several) of 100-plus whiskeys available at Scenic Lounge Bar. Other onboard activities include taking a culinary class at Scenic Épicure, getting an invigorating treatment at Senses Spa, or just relaxing with spectacular sea views and Champagne on deck 10 at the Panorama Bar.

The line's second luxury yacht, Scenic Eclipse II, set sail on its inaugural voyage from Lisbon, Portugal , in mid-April 2023. The new ship is 550 feet in length and nearly identical to its sister ship, Scenic Eclipse. One addition to the vessel is the new Sky Deck. This space boasts 270-degree views, a bar with indoor and outdoor seating, and six private cabanas. What's more, the oval-shaped Sky Deck pool is the perfect place to kick back – and it's the place to be during the sail-away deck party, especially as the sun sets over the ocean.

Read: The Best Travel Insurance for Seniors and Retirees

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Regent Seven Seas Cruises

Courtesy of Regent Seven Seas Cruises

This cruise line has five luxury vessels in its fleet – with the sixth ship, Seven Seas Grandeur, set to launch in November 2023. The all-inclusive fares on Regent Seven Seas Cruises include perks like round-trip business class or coach airfare (depending on the destination); complimentary pre-cruise hotel stays; two- or three-night land packages; all meals and beverages; free shore excursions; and more. Seven Seas Splendor , christened in February 2020, is the line's newest vessel at sea. This elegant ship boasts 373 luxurious all-balcony suites and a ratio of 548 crew members to just 746 guests.

In the evenings, diners can choose between French cuisine at Chartreuse; creative Asian fare at Pacific Rim; aged steaks at Prime 7; Italian dishes at Sette Mari at La Veranda; or design-your-own-entree options at Compass Rose. For a casual evening, plan to dine alfresco at the Pool Grill. Adults can also enjoy pre-dinner cocktails in one of the lounges and nightly entertainment at the Constellation Theater. For a nightcap, sip a fine cognac in one of the ship's favorite hideaways, Connoisseur Club. There are also plenty of options for exercise, fitness and relaxation at Serene Spa & Wellness.

If you're planning a once-in-a-lifetime adventure on the high seas, consider booking the Regent Suite. Situated on deck 14 – and boasting more than 4,000 square feet of indoor and outdoor space – this luxurious accommodation features one of the largest balconies at sea with a Treesse minipool, in addition to two bedrooms and a private in-suite spa. Cruise fare for the suite also includes a long list of high-end amenities such as access to a private dining room called The Study, a personal car and driver in port, free in-suite spa services, a private butler, and more.

Explore Regent Seven Seas Cruises on GoToSea.

Silversea Cruises

Courtesy of Silversea Cruises

Silversea's all-inclusive luxury ocean and expedition cruises offer voyages to more than 900 destinations across the seven continents. The line's 10 ultra-luxury ships and expedition vessels range in size from 51 to 364 suites and boast spacious ocean view accommodations – most with private verandas. Cruise fares cover door-to-door transfers from home to the ship, including airfare (business class in some destinations) and pre- and post-cruise hotel stays. On board, guests will have butler service, a nearly one-to-one ratio of guests to staff, 24-hour gourmet dining, premium alcoholic beverages, one complimentary shore excursion in each port, gratuities and more.

Silversea 's newest ship, Silver Nova, is set to debut in summer 2023. The luxury flagship of the line boasts an even more upscale guest experience in the suites with butler service for every accommodation, an impressive crew-to-guest ratio, more open spaces and top-notch cuisine. Silver Nova is also the first vessel in the fleet to be powered by liquefied natural gas (LNG) and is billed as a more sustainable cruise ship. Silver Nova will begin sailing in the Mediterranean before repositioning to the Caribbean and South America for the winter.

The second-newest ship in the fleet, Silver Endeavour, was regarded as one of the most luxurious expedition ships at sea when it launched in July 2022. With its Polar Class 6 rating, the ship visits the far ends of the Earth in the remote polar regions of Antarctica and the Arctic.

Endeavour's features include state-of-the-art technology for navigation and exploration – and what Silversea bills as industry-leading ratios of Zodiac boats and experts to guests. Passengers also enjoy luxurious amenities among the ship's eight public decks, from the various dining and drinking venues to a two-story solarium with a swimming pool and whirlpool tub; cruisers can also take advantage of indoor and outdoor observation areas and a spa. You'll receive Silversea's high level of service with just 200 guests and 200 crew, providing an immersive and personalized experience aboard.

Compare Silversea Cruises on GoToSea.

Seabourn Cruise Line

Courtesy of Seabourn

Seabourn also features an all-inclusive adult-focused experience on its five luxury ocean vessels and two expedition ships. The line's newest ship, Seabourn Venture, is an ultra-luxury Polar Class 6 purpose-built vessel with 132 ocean-front veranda suites. Seabourn Pursuit, the second expedition vessel, is scheduled to debut in fall 2023. The ships are equipped with two submarines for underwater exploration, kayaks and 24 Zodiacs. They will also each have a 24-person expedition team to explore far-reaching destinations like Antarctica, the Arctic and the Kimberley region of Australia, as well as places closer to home such as Iceland, South America and the British Isles.

Seabourn Ovation , the line's newest luxury cruise ship, accommodates up to 600 guests and offers amenities found on most of Seabourn 's ships: well-appointed oceanfront suites, living areas with dining tables, verandas, a nearly one-to-one staff-to-guest ratio and a Personal Suite Host to cater to your every need. World-class dining options are in partnership with renowned chef Thomas Keller, such as The Grill, Seabourn's signature restaurant. You'll also find health and wellness programs curated by Dr. Andrew Weil.

The "Seabourn Conversations" program is another highlight, where accomplished experts host adventures ashore, participate in meals and chat with guests on board the ship. For a special treat during your cruise, don't miss "Caviar in the Surf" beach party. This event in select destinations includes chilled Champagne, caviar, music and a barbecue set against the backdrop of white sand beaches and turquoise waters in beautiful locales around the world.

Book a Seabourn Cruise Line cruise on GoToSea.

Windstar Cruises

Michel Verdure | Courtesy of Windstar Cruises

Windstar's six intimate ships offer two styles of yachting that accommodate between 148 and 342 guests. Passengers can choose between cruising on one of the line's three masted Wind Class vessels or one of its three Star Plus Class ships. Windstar's adult-focused and casual – but still elegant – onboard experiences feature locally inspired top-notch dining (in partnership with the James Beard Foundation), guest lecturers, a water sports platform on all the ships, an open bridge policy and an engaging social environment.

If you're looking for a romantic getaway , Windstar is also regarded as one of the most romantic cruise lines for a wedding, honeymoon , vow renewal or anniversary trip, especially in magical destinations like the South Pacific, Cinque Terre along Italy's Ligurian coast and Monte Carlo in Monaco . Windstar's smaller ships can reach small ports, coves, harbors and villages not accessible by larger vessels. They also offer more than 2,000 immersive cultural experiences in port, many with small groups. You'll find late evenings and overnights in the ports of call where you can experience the local culture and cuisine after dark.

New itineraries for 2023 and 2024 include Australia and New Zealand sailings as well as intensive voyages to the Holy Lands that explore Arabia and the Red Sea. You can also travel to the Central American coast or book a 10-day sailing from Copenhagen to Amsterdam. If the Middle East is on your must-see list, the 10-day Sparkling Sands & Cities of the Persian Gulf itinerary checks all the boxes with stops in the United Arab Emirates, Qatar, Oman, Bahrain and other ports of call.

Read: Bucket List Cruises for Seniors and Retirees

Other Top Adults-Only Cruise Options

While these larger ships are kid-friendly – and offer activities for families and children of all ages – adults can also find hidden retreats and dining and bar venues just for grown-ups. These spaces are typically quieter and away from the crowds. If you're traveling with (or without) children on one of these lines, you'll want to know the adults-only venues to plan your afternoon or evening out – sans kids.

Celebrity Cruises

Courtesy of Celebrity Cruises

Celebrity Cruises offers spaces created with adults in mind. On Celebrity Beyond and the new Celebrity Ascent (debuting in December 2023), guests can have a unique adults-only dining experience at Le Voyage by Daniel Boulud. The world-renowned Global Culinary Ambassador for the line, Daniel Boulud, created the menu at this elegant venue, incorporating dishes inspired by his travels. You'll also find an impressive wine list to accompany your dining experience at the restaurant.

When it's time to relax, The Solarium is a popular adults-only area that's found on the Resort Deck of all Celebrity ships, including Celebrity Beyond and Celebrity Apex . This light-filled pool area encased by a glass dome is the perfect quiet space for reading a book or taking a nap. While there, you can also grab a light breakfast or lunch at the Spa Cafe and Juice Bar – or order your favorite adult beverage while lounging in the hot tub.

Other adult-focused venues to check out on Celebrity Beyond and Apex and are the new elevated bar spaces. The Edge series World Class Bar – a popular spot on other Celebrity ships – features craft cocktails in a beautiful setting. And don't miss the two-story Sunset Bar on Celebrity Beyond, reimagined by interior designer and TV personality Nate Berkus. The aft location of the bar offers almost twice the space as previous iterations – plus beautiful wake views.

Compare Celebrity Cruises on GoToSea.

Princess Cruises

Courtesy of Princess Cruises

The Sanctuary, an adults-only retreat (for ages 18 and older), offers cruisers an escape from bustling public spaces on your ship. The relaxing top-deck venue is available on all Princess Cruises ships and features plush lounge chairs, a spa-like setting and Serenity Stewards, who serve light bites, spa cuisine and other refreshments. To fully unwind, consider reserving a private cabana, where you can book an open-air massage. The child-free venue varies from ship to ship. On six ships – Sky Princess , Majestic Princess , Regal Princess , Royal Princess , Enchanted Princess and Discovery Princess – adults can also enjoy an exclusive Retreat pool, cabanas and bar area. On the newer vessels – Discovery Princess, Enchanted Princess and Sky Princess – The Sanctuary also offers an expanded space with more cabanas.

If you're heading off the ship for an excursion to Princess Cays (the cruise line's private island in the Bahamas), plan to chill out for the day in an adults-only Sanctuary Bungalow. Located just minutes from the ocean and beach, the rentals accommodate four people, and the price includes two complimentary float rentals. You can also order a gourmet picnic to enjoy while lounging on shore.

Back on the ship, adults can reserve a spot for the line's new Winemaker Dinners in partnership with Napa Valley's Caymus Vineyards. These special evenings are offered fleetwide, two to three times during each cruise, for just 12 guests in the Crown Grill specialty restaurant. Winemaker Chuck Wagner personally selected the wines from the notable Napa Valley winery to pair with the elevated five-course menu.

Explore Princess Cruises deals on GoToSea.

Carnival Cruise Line

Located on all of Carnival Cruise Line 's cruise ships , Serenity Adult-Only Retreat is a tranquil oasis hidden away from bustling venues and family-friendly areas. Access to the space is complimentary for passengers 21 and older; while there, guests can enjoy relaxing loungers, daybeds and whirlpools. Take in the warm sun and ocean breeze with a signature sangria in hand, or stop for a healthy meal at Fresh Creations Salad outlet (available on select ships) for an alfresco lunch. Passengers can make the most of some alone time with a quick nap and a good book – or simply kick back and relax before heading back into the high-energy environment elsewhere on the ship.

Book a Carnival Cruise Line cruise on GoToSea.

Disney Cruise Line

Courtesy of Disney Cruise Line

Though Disney Cruise Line tends to attract families and younger travelers, it also offers multiple spaces and activities for adults 18 and older. Disney's newest ship, Disney Wish , even boasts several adults-only luxurious venues featuring characters and scenes from "Beauty and the Beast."

For top-notch steaks, contemporary Italian cuisine and panoramic ocean views, make a reservation at the Cogsworth-inspired Palo Steakhouse. If you prefer French-style fare and world-class wines served in an elegant and shimmering setting (think Lumiere), Enchanté by three-Michelin-starred chef Arnaud Lallement is the perfect place for a romantic dinner for two. Before dinner at either venue, enjoy a signature cocktail at The Rose. After dinner, you won't want to miss the galactic libations and ever-changing views of faraway galaxies at the adults-only Star Wars: Hyperspace Lounge bar.

Depending on the ship, adult travelers can also dance the night away in a trendy club, watch live entertainment or a cabaret show, catch a sports game on satellite TV, or relax with an after-dinner cocktail at a bar or lounge. Outdoors, Quiet Cove Pool is a tranquil place to relax on all the ships. For even more pampering, Senses Spa & Salon boasts treatment rooms with ocean views, luxurious spa villas and other amenities. On Castaway Cay, Disney Cruise Line 's private island, adults can head to Serenity Bay – a scenic, adults-only stretch of the beach.

Find a Disney Cruise Line deal on GoToSea.

Norwegian Cruise Line

Courtesy of Norwegian Cruise Line

Norwegian Cruise Line has three adults-only outdoor venues for guests 18 and older (though specific spaces vary by ship). The venues feature ocean views, bars, plush seating and other amenities. On Norwegian 's Bliss , Joy , Escape , Getaway and Breakaway ships, the Vibe Beach Club sun deck invites guests to relax in oversized hot tubs and enjoy perks like a full-service bar and chilled towels. Norwegian Encore , one of the line's newest ships, boasts an impressive two-level beach club. On Norwegian Prima and soon-to-launch Norwegian Viva, an elevated beach club experience includes the line's first infinity hot tubs. You can purchase a multiday pass in advance for Vibe Beach Club, and cabana rentals are available for more privacy.

At Norwegian Epic 's Posh Beach Club, complimentary perks include fruit skewers, cold water spritzers and a snack menu. Single- or multiday passes are available to all adult cruisers, while travelers who book a Haven suite can access Posh Beach Club for free. Spice H2O is another adults-only venue on the Norwegian Bliss, Joy, Escape, Getaway, Breakaway, Epic, Star and Spirit vessels; access is complimentary. At night, the space becomes an open-air dance club where you can spend the evening partying under the stars.

Compare Norwegian Cruise Line cruises on GoToSea.

Royal Caribbean International

Michel Verdure | Courtesy of Royal Caribbean International

Solarium is Royal Caribbean International 's complimentary, child-free space open to guests 16 and older. Located at the front of every ship in the fleet, this indoor-outdoor oasis (or indoors-only on Quantum Class ships) offers impressive vistas and endless views of the sea. Thanks to a full glass canopy over the interior space, adult passengers can enjoy quiet lounging areas, swimming pools and whirlpool tubs with a view, no matter the weather. On top of that, select ships feature a cascading lagoon for further relaxation. Be sure to grab a tropical cocktail or zero-proof drink at Solarium Bar (or Sunshine Bar, on Quantum ships) to sip poolside while enjoying the ocean vistas.

Find a Royal Caribbean cruise on GoToSea.

Adults-only cruises are designed with adults in mind. From the staterooms, dining venues and lounges to the onboard entertainment and excursions ashore, adults-only cruises cater to adults 18 to 21 years of age and older. What you won't find on board are water or theme parks, climbing walls, game rooms and restaurants serving kid-friendly foods.

If you're looking for a relaxing, fun and romantic vacation without the kids in tow – and you don't want to deal with the other passengers' children on your getaway – consider booking a sailing specifically for cruisers at least 18 years or older. Alternatively, select a cruise line or ship that caters to mostly adults and doesn't offer any services, kids clubs, babysitting or activities for children.

You don't have to be a kid to be a Disney Cruise Line fan. While the line does not have an adults-only vessel within the fleet, there are plenty of kid-free spaces for adults only. Adults can enjoy cocktails, dinner and entertainment in several venues and relax at designated pool areas on the ship. There's also private stretch of beach on the line's private island, Castaway Way – sans kids.

In addition, Disney offers one of the best programs to keep youngsters entertained at sea, so you'll find that many of the children hang out in the kids club during the day and in the evening. These club spaces are divided by age groups, and they're typically open until midnight or 1 a.m. so parents – and even adults without kids – can enjoy a kid-free night out on the ship.

Why Trust U.S. News Travel

Gwen Pratesi has been an avid cruiser since her early 20s. She has sailed on nearly every type of cruise ship built, including the newest megaships, luxury yachts, classic paddlewheels, and an 18-stateroom ship on the Mekong River in Vietnam and Cambodia. Most recently, she traveled on a small luxury expedition vessel in Antarctica and crossed the notorious Drake Passage twice. She covers the travel and culinary industries, specializing in cruises, for major publications including U.S. News & World Report.

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Introduction to AXA Travel Insurance

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AXA Assistance USA Travel Insurance Review 2024

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

Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

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

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

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

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan. 

Coverage Options Offered by AXA 

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate AXA's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  AXA travel insurance quotes:

• AXA Silver: $83
• AXA Gold: $107
• AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

AXA provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• AXA Silver: $109
• AXA Gold: $128
• AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following AXA quotes:

• AXA Silver: $392
• AXA Gold: $462
• AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address. 

Once you finalize your purchase, you'll have a 10-day free look period, in which you can cancel your policy and get your money back. 

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays. 

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage. 

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times. 

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $50,000
• Coverage for baggage loss, theft, or damage up to $1,000
• Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policy holders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details. 

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling. 

AXA's Gold and Platinum plan cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period. 

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors.

• Main content

You can pay as little as $2,000 to join a nude cruise leaving Miami that wraps up on Valentine’s Day

Finally! A vacation where you don’t have to stress about what to pack.

A nude cruise is setting sail from Miami next February, with promoters promising a “stress-free, clothes-free experience” for up to 2,300 passengers. “ The Big Nude Boat ” will allow passengers to let it all hang out on the lido deck and be buck naked on the bow.

You might want some pockets when the bill comes, though, because you’re going to have to reach deep in them, depending on the level of luxury you’re looking for. Prices for the cruise start at $2,000 for an inside cabin on the lower levels and reach as high as $33,155 for a three-bedroom suite.

The ship will set sail on Feb. 3, 2025, and return to port on Valentine’s Day. Passengers will have to cover up (and not just in lingerie, the travel company emphasizes) when they go ashore, are in port, or opt to eat in the dining room, rather than the self-serve buffet on the pool deck (where you can chow down as naked as you please).

While there will be private parts everywhere you turn, the cruise operator, Bare Necessities, says this is not the bacchanalia some might envision. Fondling and other overt sexual behavior is prohibited, and the cruise site notes that “ lingerie , fetish-wear, and excessive genital jewelry are not appropriate at any time.”

You’re welcome to take photos on your cruise, just not of other guests without permission and not in the pool or dance venues of the ship. And standard nudist protocol is in effect: If you sit down, put a towel underneath you.

Bare Necessities is a nudism-focused travel company that, according to its website, aims “to break down the barriers against social nudity and make clothing-optional vacationing a viable and acceptable option for all.” Two other cruises exploring the Greek isles, one currently underway and one set to sail in about a week, were both sold out. Those cruises only accommodated between 150 and 200 passengers each, though. This will be the company’s largest expedition.

As for that what-to-pack conundrum? Sunscreen. The answer is lots and lots (and lots) of sunscreen.

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6 Top Transatlantic Cruises for 2024

T ransatlantic cruises are unique when you compare them to traditional cruises most people book for family trips and romantic getaways. These voyages tend to be longer in general, and they have more built-in days at sea and offer a lot more time on board as a result. Repositioning cruises that include a transatlantic crossing tend to attract more retirees and travelers who just want to relax and enjoy their ships' amenities, especially since fewer days in port means fewer excursions and more time doing nothing at all.

That said, the fact that transatlantic cruises can last as few as seven nights means they may fit in your plans more easily than you may think. There are also some benefits to transatlantic crossings that may not be obvious, including lower nightly rates, more onboard credit, and more time to kick back and relax at a floating luxury resort in the middle of the Atlantic Ocean.

If you're curious which transatlantic cruises are best for 2024, here are six top picks with different cruise lengths, itineraries and unique destinations to explore.

Explore cruises on GoToSea , a service of U.S. News.

Cunard Line

Date: Departs May 5, 2024

Departure port: Brooklyn, New York

Starting price: $2,449 per person (plus port taxes and fees)

Cruise length: 7 to 18 nights

In May of 2024, Cunard's Queen Mary 2 vessel will offer three different transatlantic crossings of various lengths. Choose from a seven-night sailing from Brooklyn, New York , to Southampton, England; a nine-night sailing to Hamburg, Germany ; and an 18-night round-trip sailing that departs from Brooklyn and crosses the Atlantic twice on the way back to its starting point. This unique combination of itineraries lets you cross the sea and tailor your trip to how long you want to be away from home.

The 18-night itinerary is especially interesting, since it lets you depart from the United States and arrive back in Brooklyn in the end with stops in both England and Germany, as well as plenty of sea days in between. Luxury cruise line Cunard is known for its elegant design, lush amenities and upscale feel, and the Queen Mary 2 is one of the line's most luxurious ships. Highlights on this exclusive vessel include the Royal Court Theatre, a casino, gala evenings, an onboard spa and a vast library. The Queen Mary 2 holds up to 2,691 guests with 1,173 crew to cater to your every need.

Seabourn Cruise Line

Date: Departs March 24, 2024

Departure port: Miami

Starting price: $5,949 per person (plus port taxes and fees)

Cruise length: 21 nights

Seabourn is offering a 21-night transatlantic cruise from Miami on Seabourn Quest in March 2024 that offers a diverse range of ports of call before ending its voyage in Las Palmas in Spain's Canary Islands . Departure from Miami is followed by nine days at sea. Then, you'll enjoy multiple stops in the Canary Islands – including Santa Cruz de La Palma and San Sebastián de La Gomera – as well as stops in Praia and Mindelo the Cape Verde archipelago.

This journey with Seabourn makes it possible for travelers to see some of the most beautiful and remote tropical islands in the world. The Canary Islands are known for their white sand beaches , volcanoes and lush greenery; similar landscapes can also be found in Cape Verde's coastal towns and villages. Seabourn Quest, a smaller ocean vessel, accommodates just 229 guests.

MSC Cruises

Date: Departs Nov. 8, 2024

Departure port: Southampton, England

Starting price: $769 per person (plus port taxes and fees)

Cruise length: 16 nights

The MSC Virtuosa from MSC Cruises is repositioning from Europe to the Caribbean in November 2024, which gives travelers the chance to enjoy a lengthy transatlantic crossing with plenty of unique ports. This sailing departs from England with eight sea days plus stops in France, the Azores of Portugal, St. Maarten , Antigua and Barbuda, and Martinique . The ship ends its journey in Pointe-a-Pitre, Guadeloupe.

The MSC Virtuosa is a larger cruise vessel that boasts an impressive grand promenade with a LED dome ceiling, dedicated clubs for children and teens, an onboard spa, a lavish casino and the luxurious MSC Yacht Club section of the ship. This vessel holds a maximum of 6,334 passengers at once.

360 Kiosk Email : Tips on Trips and Expert Picks

Princess Cruises

Date: Departs July 5, 2024

Departure port: New York City (Manhattan or Brooklyn)

Starting price: $4,098 per person (plus port taxes and fees)

Cruise length: 31 nights

Princess Cruises also offers its share of transatlantic sailings on various vessels. Its 31-night crossing from New York to Barcelona, Spain , on Island Princess in July 2024 is jam-packed with exciting destinations to explore. This lengthy transatlantic voyage has only 13 sea days with planned stops in Canada's Newfoundland, Greenland, Iceland, Scotland, England, Spain, Portugal and Morocco before the journey ends in Barcelona.

This intriguing sailing experience with Princess takes passengers to eight different countries in the span of a month. Island Princess is a nice ship for a long sailing because of its smaller size, with just 2,200 passengers and 900 crew. But the ship is also large enough to have a huge selection of included and specialty dining options, a Vegas-style casino, a sports court, a large central atrium for gathering, and several pools and hot tubs to enjoy.

Celebrity Cruises

Date: Departs April 11, 2024

Departure port: Fort Lauderdale, Florida

Starting price: $760 per person (plus port taxes and fees)

Cruise length: 12 nights

Celebrity Cruises is offering a 12-night sailing on Celebrity Equinox in April 2024 that starts in Fort Lauderdale, Florida , and ends in Lisbon, Portugal – making it possible for travelers to enjoy eight relaxing days at sea. What's interesting about this sailing is its stops along the way, which include the Royal Naval Dockyard in Bermuda; Porta Delgada in Portugal's Azores archipelago; and Porto in mainland Portugal.

The Celebrity Equinox accommodates a maximum of just 2,852 passengers at once, so this Celebrity vessel is a solid choice for travelers who want just the right size ship instead of a smaller vessel or a megaship. There are also plenty of onboard features to keep you happy and entertained as you float across the Atlantic Ocean, including The Casino, The Lawn Club with outdoor games like bocce ball and croquet, The Martini Bar, the adults-only Solarium and more.

Royal Caribbean International

Dates: Departs Oct. 24, 2024

Departure port: Barcelona, Spain

Starting price: $876 per person (plus port taxes and fees)

Cruise length: 14 nights

Royal Caribbean's Oasis of the Seas is hosting a transatlantic voyage in October 2024 that departs from Barcelona, Spain, and ends in Fort Lauderdale, Florida. This vessel will make stops in Palma de Mallorca, Valencia, Cartagena and Málaga in Spain, then spend eight days at sea. After that, enjoy a day in Nassau in the Bahamas before the cruise drops passengers off in sunny Florida.

Interior staterooms on this Royal Caribbean sailing start at just $876 per person (plus port taxes and fees), which works out to around $60 per night, per person. The Oasis of the Seas megaship can hold a total of 6,771 guests and 2,109 crew, so it's an enormous vessel – to put it mildly. This size may not be ideal for travelers who want a more intimate cruising experience, but it's perfect for cruisers who want plenty of space to spread out and endless activities to take part in. Oasis of the Seas boasts 20 different restaurants and cafes, 11 bars and lounges, a variety of pools and whirlpools, a rock climbing wall, the AquaTheater diving and entertainment venue, mini-golf, a casino and plenty more.

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer and cruise expert who has covered family travel and cruises for more than a decade. She has cruised more than 40 times across most of the major cruise lines in destinations throughout the Caribbean, Europe and the Middle East. Johnson used her personal experience and research expertise to curate the itineraries for this article.

You might also be interested in:

• The Top Solo Cruises (With No Supplement Fare)
• Sustainable Cruises: The Top Lines Making Progress
• Bucket List Cruises for Seniors and Retirees
• The Best Cruise Insurance Plans
• Cruise Packing List: Essentials Chosen by Experts

Copyright 2024 U.S. News & World Report

Royal Caribbean cancels visits to Labadee in Haiti amid continued violence

Royal Caribbean International has suspended stops at private destination Labadee in Haiti through the summer amid continued violence in the country.

“The safety and security of our guests, crew, and communities we visit are our top priority,” a spokesperson for the cruise line said in an emailed statement. “Our Global Security and Intel Team is closely monitoring the evolving situation in Haiti, and in an abundance of caution we have suspended all visits to Labadee fleetwide through September 2024.”

Royal Caribbean plans to “continue to monitor and reassess calls as needed” and will notify guests of any updates, the spokesperson added.

The line previously suspended numerous planned calls to Labadee following fresh gang violence that prompted the country to declare a state of emergency in early March.

Was your cruise itinerary changed?: What to do next

The U.S. State Department has had a Level 4 advisory – its highest warning against travel to the destination – in place since before President Jovenel Moïse was assassinated in 2021. About 2,500 people were killed or injured as a result of gang violence in Haiti in the first quarter of 2024, according to the United Nations.

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