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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. 

Cruise ship insurance

​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.

Cruiseship insurance

Here are the types of coverage you’ll likely want to have in a cruise travel insurance plan

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.

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.

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.

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.

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.

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.

Additional coverage

Such as lost/damaged or delayed baggage coverage.


Choose from our recommended plans below and consult with us to find the right coverage for your needs and concerns.

Recommended Plans

Round Trip (for U.S Residents)

RoundTrip Choice 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)

Travel insurance

Underwriter: United States Fire Insurance Company

Travel insurance

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)

Travel insurance

AM Best Rating: A (Excellent)

Underwritten By: United States Fire Insurance Company

Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724

Travel insurance

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.

Trip cancellation 100% of trip cost insured

Trip interruption 175% of trip cost insured

Travel insurance

Underwritten By: United States Fire Insurance Company

Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724

Travel insurance

Travel Select

Travel Select provides comprehensive benefits and access to four unique upgrades.

  • Emergency Medical & Dental

  • Trip Cancellation

  • Travel Assistance

  • Four Optional Upgrades

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.

  • Up to $50,000 Emergency Medical Expenses

  • Enjoy Primary Coverage with no deductibles

  • Protection provided for children 17 and under included

  • 15-day Pre-Existing Condition exclusion waiver available


AM Best Rating: A++

Underwritten by Berkshire Hathaway Specialty Insurance Company

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