Cruise Travel Insurance
If you’re forced to cancel your cruise, how much of that prepaid trip cost could you get back?
There are often cancellation penalties tied to travel purchases, especially cruise trips, and you could get a portion of your trip costs back or none at all. Those penalties tend to get more severe as the departure date gets closer. This is where Trip Cancellation coverage can help you.
​​Do I need a special cruise insurance plan?
You don’t need a travel insurance plan that’s specifically for cruises. Any good travel insurance plan with good medical benefits can work well for a cruise.
Here are the types of coverage you’ll likely want to have in a cruise travel insurance plan
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Trip cancellation insurance
This reimburses you 100% for the pre-paid and non-refundable deposits you lose if you have to cancel for a reason covered by the policy.
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Trip interruption coverage
This will reimburse you a percentage of the unused trip costs, such as 100%, 150% or 200%, if your trip is cut short because of illness, injury, death or any other covered reasons.
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Emergency medical expenses
This pays for medical expenses associated with injuries and illness you get while on the cruise trip. Travel insurance plans offer from $50, 000 to $500,000 in travel medical insurance. You will need to decide the number that is right for you and sufficient for your cruise. If you’re a senior, good travel medical coverage is crucial. U.S. medical insurance plans generally have very limited or no coverage outside the home country. And Medicare doesn’t cover medical care outside the U.S., with only a few exceptions. Medical benefits of a travel insurance policy can help cover unforeseen accidents and illnesses—like treating a broken leg or needing antibiotics for a sudden illness and in more extreme circumstances, hospitalization.
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Our recommended travel insurance plans can cover your pre-existing conditions. You do this by getting a “pre-existing medical condition exclusion waiver,” but this needs to be added within 14 to 21 days, depending on the company, after making your initial cruise deposit.
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Emergency medical evacuation coverage
All our recommended trip cancellation plans cover the costs to get you to the nearest adequate medical facility or even back home if it’s medically required.
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Cancel for any reason coverage
Canceling for reasons that are not listed in the policy isn’t covered, unless you have already purchased cancel for any reason coverage (CFAR). This typically reimburses you typically 75% of trip costs and lets you cancel the trip for any reason.
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Additional coverage
Such as lost/damaged or delayed baggage coverage.
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Choose from our recommended plans below and consult with us to find the right coverage for your needs and concerns.
Recommended Plans
Seven Corners Trip Protection (for U.S Residents)
Seven Corners Trip Protection has high levels of protection for trip expenses, medical expenses, and emergency medical evacuation. It also includes primary medical coverage, political/security evacuation, and a long list of covered reasons for trip cancellation and interruption. With Cancel for Any Reason (optional), Interruption for Any Reason, rental car damage, sports equipment rental, and event ticket protection options, you can customize your plan to ensure you have the coverage you need.
AM Best Rating: A (Excellent)
Underwriter: United States Fire Insurance Company
Trip Protector
A comprehensive plan that offers travel protection plus travel medical insurance Trip cancellation up to $50,000/Trip interruption up to 200% of trip cost up to 500,000 medical for sickness and injury/$1,000,000 medical transportation TripProtector Preferred coverages plus Cancel for Any Reason (optional). Pre-existing condition exclusion waiver may be available if purchased within 21 days of initial trip deposit( for the Preferred plan and 14 days for the Classic)
AM Best Rating: A (Excellent)
Underwritten By: United States Fire Insurance Company
Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724
Premium Plan
Ideal for luxury travel, cruises and tours etc
An enhanced travel insurance plan designed for more expensive travel, including cruises and tours. Get the highest available benefit limits with amplified coverage for certain trip emergencies. Coverage for Pre-Existing Medical Conditions is only available with this plan.
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Trip cancellation 100% of trip cost insured
Trip interruption 175% of trip cost insured
Underwritten By: United States Fire Insurance Company
Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724
Travel Select
Travel Select provides comprehensive benefits and access to four unique upgrades.
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Emergency Medical & Dental
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Trip Cancellation
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Travel Assistance
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Four Optional Upgrades
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Whether you’re traveling for business, with your family, or for fun, Travelex’s premium insurance plan, Travel Select, offers the benefits and customizable upgrades you need to help keep yourself - and your vacation investment - protected.
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Up to $50,000 Emergency Medical Expenses
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Enjoy Primary Coverage with no deductibles
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Protection provided for children 17 and under included
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15-day Pre-Existing Condition exclusion waiver available
AM Best Rating: A++
Underwritten by Berkshire Hathaway Specialty Insurance Company
Comparison Quote
Each of the Travel Insured Worldwide Trip Protector plans include the Trip Cancellation and Trip Interruption coverage as well as Travel Medical Insurance and Medical Evacuation and Baggage Delay, Loss, Theft, and Damage. Travel Insured provides coverage for medical expenses incurred during travel, particularly outside of the U.S., that health insurance providers frequently deny as out of network. With the medical benefits included in these plans, you can help ensure access to quality medical treatment wherever you travel and protect yourself from unexpected travel medical and evacuation expenses
AM Best Rating: A Excellent
Underwritten by United States Fire Insurance Company
Worldwide Trip Protector (WTP)
Accident & Sickness Medical Expense $100,000
Option for Cancel for Any Reason (CFAR) and Option for Interruption for Any Reason (IFAR)
Medical Evacuation and Repatriation of Remains $1,000,000
Non-Insurance Worldwide Assistance Services are included in both plans and include Medical or Legal Referral, Inoculation Information, Hospital Admission Guarantee, Telemedicine, House Calls, Translation Service, Lost Baggage Retrieval, Passport/Visa Information, Emergency Cash Advance, Bail Bond, Prescription Drug/Eyeglass Replacement, ID Theft Resolution Service, Concierge Service, and Business Concierge
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The Pre-Existing Condition Exclusion will be waived if you purchase the protection plan within 21 days of the date your initial trip payment or deposit is received and you are medically able and not disabled from travel at the time you purchase the plan.
COVID 19 is considered an illness and treated the same as any illness
AM Best Rating: A Excellent
Underwritten by United States Fire Insurance Company
World Trip Protector (Edge)
Accident & Sickness Medical Expense $10,000
Medical Evacuation and Repatriation of Remains $100,000
Non-Insurance Worldwide Assistance Services are included in this plan and include Medical or Legal Referral, Inoculation Information, Hospital Admission Guarantee, Telemedicine, House Calls, Translation Service, Lost Baggage Retrieval, Passport/Visa Information, Emergency Cash Advance, Bail Bond, Prescription Drug / Eyeglass Replacement, ID Theft Resolution Service, Concierge Service, and Business Concierge
The Pre-Existing Condition Exclusion will be waived if you purchase the protection plan within 14 days of the date your initial trip payment or deposit is received and you are medically able and not disabled from travel at the time you purchase the plan.
COVID 19 is considered an illness and treated the same as any illness.
AM Best Rating: A Excellent
Underwritten by United States Fire Insurance Company