Table Of Content
This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. Remember, too, that you can't purchase travel insurance and expect it to cover events that are already in motion. For example, you book a Caribbean cruise that departs during hurricane season but procrastinate on purchasing travel insurance.
What Affects Travel Insurance Costs?
Many companies offer travel insurance that is reasonably priced and that provides peace of mind so you can enjoy your vacation. As our review shows, the cost of a policy varies among insurance companies. Be sure to shop around to get the best combination of coverage and price. All of the cruise travel insurance companies in our review offer fast online quotes. When the port lineup is adjusted or the cruise shortened, the company will offer the guest an onboard credit, onboard gift or future cruise credit rather than any refund. You won't be able to make a claim on your cruise travel insurance policy just for a minor itinerary change.
Costs can mount quickly when things go wrong
The coverage typically includes a last-minute return ticket home or to your desired destination. Keep in mind that the policy must state the reason for an interruption for this coverage to be valid. In most cases, your typical cruise travel insurance won't cover things like parasailing excursions, scuba diving, cancellations due to foreseeable events, such as CDC and NOAA warnings or the death or illness of a pet. The Platinum plan is superior in all other aspects, offering $1 million for emergency medical evacuation, $250,000 for medical expenses, $3,000 for lost or stolen baggage and $600 for baggage delay. The Gold plan comes with $500,000 for emergency medical evacuation, $100,000 for medical expenses, $1,500 for lost or stolen baggage and $300 for delayed baggage. Some health insurance policies offer limited coverage on cruises, but coverage often depends on where you’re cruising and your planned activities.
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Baggage delay
This coverage kicks in after a delay of a certain number of hours, usually three to 12. Look for a policy with a short waiting period and high daily and per-person limits. 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.
This allows you to review the policy you've selected and return it for any reason within the period allotted — usually for a small administration fee of less than $10. Missed connection coverage reimburses cruisers for a set dollar amount if they need to rebook travel to catch up with their cruise at the next port. Missed port-of-call coverage pays a benefit if the cruise ship misses a scheduled port of call due to weather, a natural disaster or a mechanical breakdown. The first is CFAR, which provides reimbursement for 75% of the trip cost but is only available with the Platinum plan. The second add-on is collision damage waiver for rental cars, which is available with both the Platinum and Gold plans.
Best Cruise Insurance Plans Of April 2024
Squaremouth always recommends the least expensive travel insurance policy that matches a customer’s coverage needs. For that reason, we suggest comparing your cruise line’s policies to the policies offered by a third-party site like Squaremouth. “Cancel for any reason” (CFAR) travel insurance is optional coverage that allows you to cancel your trip for any reason that’s not listed in your base policy and be partially reimbursed for non-refundable trip costs. We also like the policy’s excellent trip interruption insurance and superior medical evacuation benefits of $1 million per person. The Travel Guard Deluxe plan impressed us with its optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades. We also like that the policy includes benefits if, under certain conditions, you must start your trip earlier than planned—a feature not found in all policies.
Can you buy cruise insurance after booking?
Our insurance experts reviewed 40 aspects of 37 travel insurance plans to find the best cruise insurance. Many credit cards provide sufficient travel protection that can help you in the event of a delay or cancellation. 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.
What to consider if you buy a separate cruise travel insurance policy
Just make sure you check the details of your policy before you file a claim, and before you travel so you know what compensation you're entitled to. A cruise vacation can take much of the stress out of planning a vacation. With a pre-set itinerary on the high seas, you don't have to worry about how you're getting to your destination and what you're going to do there. However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best cruise insurance plan that won't leave you high and dry in an emergency.
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As the phrase suggests, you can cancel your trip for any reason (such as concern over traveling to a particular area due to political unrest or disease outbreaks) -- a luxury normal insurance policies won't allow. Most insurers require this policy add-on be purchased between 14 and 21 days following your final cruise payment. AIG offers policies with an option to name your own family member whose illness would count as a reason for cancelling a trip. In our previous example, if Sue is fearful of Jim's father's health, she could name him herself and be covered for her cancellation, even if Jim has no travel insurance.
Travelex offers three travel insurance plans that can protect your cruise. The Travel America Plan, which can cover up to eight travelers, also includes unique protections like inconveniences caused by sporting equipment delays and medical expenses for your pet. The Chase Sapphire Reserve card, for example, offers trip delay reimbursement, trip cancellation and interruption insurance, emergency medical coverage and even medical evacuation coverage, among other benefits. And yes, cruise lines are considered common carriers just like airlines.
Nationwide’s Cruise Luxury plan is one of our favorites because it has a treasure trove of benefits such as “interruption for any reason” and “cancel for work reasons” coverage. We also like its excellent missed connection benefit of $2,500 per person. For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named.
The first thing to know is that your insurance policy only protects you; if you want the rest of your family or travel companions to have the same protection, then they must be added to your policy (or take out their own). The one exception is that some policies cover children under 17 traveling with an insured guardian at no additional charge. Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like SquareMouth is a good place to compare multiple quotes from all of the major carriers at once.
Trawick Travel Insurance does not currently offer add-ons for its annual cruise policies. While you can also add rental car collision protection to the Gold Plan, the Silver Plan is not eligible for any add-on coverages. In fact, 13% of "billing reasons" for claims to Allianz are for common carrier delays (such as a flight delay), while weather and natural disaster-related claims account for about 3%. Additionally, Original Medicare only covers people traveling outside U.S. borders in limited circumstances.
While some travel insurance companies specify that policies provide coverage even if you’re on a cruise, others may exclude cruises from standard travel plans. For this reason, it’s best to check the terms of your coverage before purchasing a policy. If you use a credit card to pay for your trip, check to see if it includes some travel insurance. The Chase Sapphire Preferred and Reserve cards, for example, provide trip cancellation, trip interruption, and other coverages.
