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She has worked in the cruise industry since 2015 and has taken over 30 cruises. Now, she helps over 1 million people per month to plan their perfect cruise holidays. Cruise insurance is definitely worth getting, because while you are unlikely to use it, the money it will save you if you do need to will be extremely valuable. If you’re taking a cruise, you’ll need to get a policy that falls into one of the second two categories. Both policies come with 24/7 assistance and the ability to file claims using Berkshire Hathaway’s website or mobile app.
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“Interruption for Any Reason” Travel Insurance
In fact, this could be a better option if you want coverage for your travel to the cruise's departure point, not just for the cruise itself. Some companies also offer annual plans, and we compare policies accordingly. What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise.
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It provides coverage for over 200 activities, including skydiving, scuba diving and bungee jumping. The company allows you to buy coverage for up to 180 days, and you can extend your policy mid-trip. The other two plans — Gold and Platinum — cost more but offer more protection. They both include 150% coverage for trip interruption, 100% for trip cancellation and a preexisting conditions exclusion waiver. Cruise bookings can be unforgiving, and cruise insurance can help you minimize your risk of losing the money you’ve paid for your trip. Travel insurance coverage is often a good idea if you’re concerned about losing nonrefundable prepaid travel expenses or covering emergency medical expenses.
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For the leisure cruiser: TravelSafe Classic Plan
If you buy the Classic plan, you may also add CFAR, which gives you up to 75% protection if you cancel your cruise trip for any reason. This will only be valid if you buy the CFAR add-on within 21 days of making the first deposit for your trip. Other add-ons that Berkshire Hathaway includes are a preexisting medical condition exclusion waiver, accidental death or dismemberment and car rental collision coverage. The latter may be necessary if you intend to use a rental car to and from the port.
There are various types of coverage, each tailored to protect different aspects of your cruise experience. You can choose between the Trip Protection Basic or Trip Protection Choice plans, with the higher-tier Choice plan costing more but providing more coverage. But for most travelers, having a backup plan in case anything goes wrong makes the trip that much more enjoyable. For example, if any injury or health issue is alcohol-related, it may not be covered.
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. This guide to cruise travel insurance explains exactly what you need and when.
Cruise Insurance: Facts, Features and Benefits
Using these percentages, for a $10,000 trip, you should consider budgeting between $400 and $1,200 for travel insurance costs. This coverage reimburses your prepaid, unused, nonrefundable expenses in case you must cut your cruise trip short due to an unexpected event, such as illness, death, injury or a family emergency back home. John Hancock didn’t make the cut because of its high premiums, especially if you choose its Gold plan. For the same type of coverage, you can get a cheaper policy from another company if you compare different cruise insurance options.
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Seniors cruising the world can get comprehensive coverage from Seven Corners Travel Insurance. The Seven Corners Trip Protection Basic policy offers trip cancellation and interruption, medical coverage, and medical evacuation, along with COVID-19 cancellation and medical coverage. The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.
Best for expensive trips: HTH Worldwide
For example, Allianz Global Assistance’s OneTrip Premier Plan can cover a trip up to 366 days and includes $200,000 in trip cancellation coverage and $1 million in emergency medical evacuation benefits. It also provides trip cancellation coverage in the event that there is an NOAA hurricane warning at your destination. Our top-scoring cruise travel insurance plans do not have a deductible for any type of coverage, including travel medical insurance. A standard travel insurance policy that also covers cruises is sufficient, but for extra protection you can get specialist cruise cover that includes things like missed port of call or confinement to your cabin. World Nomads offers cruise insurance policies geared toward adventurous travelers.
These two elements are known as trip-cancellation and trip-interruption insurance, and they are bundled into a typical travel insurance policy. It’s generally best to purchase cruise insurance as soon as possible after making your initial trip deposit — when you have money on the line. The sooner you purchase cruise insurance, the sooner you’re covered for trip cancellations.
Expenses related to baggage delays and loss are often covered as well. Before you purchase cruise insurance from a cruise line, compare your third-party options. You can get quotes from multiple travel insurance companies at once using a travel insurance aggregator such as Squaremouth. Cruise-specific travel insurance may also offer reimbursement if your cruise ship is disabled.
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. Although you can purchase a policy right up to your departure, there are advantages to buying travel insurance right after booking your trip. One is that you can maximize the length of your trip cancellation coverage. For example, if you buy a travel insurance policy three months before your departure and get seriously injured a week before you leave, you can file a trip cancellation claim.
It also includes very good trip interruption, baggage and missed connection coverage. TravelSafe’s Classic plan provides the highest limits for missed connection and evacuation benefits among top-rated plans. It also has very good trip interruption and hurricane and weather coverage at a competitive price. Nationwide’s Cruise Luxury plan provides an array of extensive benefits at a decent price, including superior missed connection coverage and emergency and non-medical evacuation benefits. It reimburses vacationers when qualifying incidents result in monetary losses due to a cancellation or interruption.
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. This will reimburse you for unused trip costs if your trip is cut short because of illness, injury, death, a family emergency back home or other reasons. Trip interruption insurance can also pay for the extra expenses of a trip interruption, such as a one-way plane ticket home on short notice. Generali’s Premium policy provides very good benefits at a decent average price.
You can prepare yourself by taking out an insurance policy that can compensate you when your vacation at sea does not go as planned. Buying right after you book also lets you lock in trip cancellation coverage right away. Trip cancellation insurance 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. You can buy cruise insurance from your cruise line, through a travel agent or from a travel insurance agent or company.
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