How to Pick the Right Cruise Medical Insurance 2025

According to Reuters, approximately 35.7 million people worldwide are expected to go on a cruise in 2024. If this forecast is accurate, it will represent an increase of over 4 million passengers from 2023. This surge in passengers signifies a robust recovery for the cruise industry, which has seen significant improvements in safety measures, new and exciting cruise destinations, and the introduction of state-of-the-art cruise ships with advanced amenities designed to enhance the traveler experience.

The increase in cruise passengers can be attributed to several factors. First, cruise lines have implemented rigorous safety protocols and health measures to ensure the well-being of their guests in the wake of the COVID-19 pandemic. These measures include enhanced cleaning procedures, onboard medical facilities, and vaccination requirements, which have collectively restored traveler confidence.

But, for those planning a trip on a major cruise line with family, a partner, or a travel companion, it’s more important than ever to buy comprehensive travel insurance. COVID-19 has been a real game changer when it comes to cruise insurance. The pandemic has highlighted the importance of having robust travel insurance coverage to protect against unforeseen events and disruptions.

Finding a cruise travel insurance policy that provides medical benefits and specific coverage for personal items can be confusing and overwhelming. With so many options available, each with its own set of terms and conditions, it’s more important than ever to understand how to choose the right plan for your needs. And we are here to help! Our goal is to demystify the process and provide clear, concise information to help you make an informed decision.

In this guide, we’ll explain what to look for when shopping for a cruise medical insurance plan and reveal our favorite place to purchase travel insurance for your next cruise trip in 2025. Whether you are embarking on your first adventure or are a seasoned cruiser who has enjoyed many sailings over the years, you’ll know the current lay of the land—or rather, the sea—before you set off by understanding the key components of cruise insurance and how they apply to your travel plans to ensure a worry-free voyage.

As someone who has taken over 35 cruises, I’ll also share why I recommend using Insure My Trip and why I personally purchase my cruise travel insurance there for every cruise I take.

What Exactly Is a Cruise Travel Insurance Plan?

Cruise travel insurance is a type of coverage that gives travelers peace of mind by protecting them against financial losses and risks that may occur before, during, or after their cruise. This typically includes incidents both on the ship and during shore excursions.

The coverage period generally begins when you purchase the policy until you disembark the cruise at the end of your trip. Covered incidents can range from travel delays and lost credit cards to damaged luggage and medical expenses.

Why Do I Need Insurance for My Cruise?

As they say, insurance is something you hope you never have to use but will be glad you have it when you need it!

For this reason, cruise insurance is something you should seriously consider if you can’t afford paying significant sums for medical care or non-refundable expenses from your trip if you need to cancel it.

Imagine you’re aboard your cruise, exploring exotic destinations and indulging in various on-board activities when suddenly you’re faced with a medical emergency.

A medical emergency can derail your trip at any time, whether you’re exploring exotic destinations or indulging in a new culinary delicacy onboard. Without insurance, you could be looking at thousands of dollars in out-of-pocket expenses for medical treatment, evacuation to the nearest hospital, and potential extended stays in foreign medical facilities. Emergency medical transportation to the U.S. alone can cost up to $25,000 from Mexico and the Caribbean, $90,000 from Europe, or $255,000 from Asia.

During our Norwegian Fjords cruise, we hiked Pulpit Rock from Stavanger, Norway. We witnessed one cruise passenger airlifted by helicopter from the top of the cliff back to our ship! I can’t even imagine how much that cost, let alone whatever medical expenses they had from their injuries.We also saw another passenger who broke his finger after falling during the hike. He didn’t get a helicopter back to the ship but he was certainly going to need to get his injury treated as well.

Medical expenses don’t always have to be this dramatic either. I’ve personally visited the Medical Center on a cruise ship during two trips: once for tonsil stones and once for a severe rash. The visits cost $200-$300 each before cruise insurance.

But it’s not just medical emergencies that make cruise insurance indispensable. Consider the financial loss you could face if your non-refundable trip gets canceled due to inclement weather or if you miss the cruise because of a flight delay. Cruise insurance policies often cover trip interruption, allowing you to recoup your prepaid expenses.

Plus, there are myriad other benefits that cruise insurance offers. For instance, if you miss a connection due to a delayed flight, your policy might cover the cost of catching up to your cruise at the next port. Baggage delay coverage can also mitigate the inconvenience and additional costs associated with your luggage arriving late so if your luggage gets held up somewhere, your cruise insurance policy will reimburse you for essential clothing and toiletries, making your trip less stressful.

These benefits collectively provide peace of mind and financial security. Cruises often involve coordinating various arrangements, including international flights, hotel stays, and transportation, in addition to your time on the ship. In the event of a medical emergency, trip interruption, or even lost baggage, you’ll be glad to have a policy that covers substantial out-of-pocket expenses, ensuring that your dream vacation doesn’t turn into a financial disaster.

Does the health insurance I have at home cover me on a cruise?

The short answer is maybe / maybe not. It depends on what health insurance you have. Many health insurance policies do not cover you in an international destination or outside of your own home country. Even if it covers you abroad on land, it may not cover you on the ship itself.

You will need to check with your health insurance provider to find out exactly what they cover but either way, they will not cover your non-medical travel expenses should you need to cancel or postpone your cruise.

When to Buy Cruise Insurance

While you can take out insurance at any time, even as late as the day you set sail, several advantages arise from securing your cruise travel insurance as soon as you book your trip.

Ideal Insurance Timeline

• Booking Your Cruise: The moment you book your cruise is the optimal time to purchase your travel insurance. This ensures you are covered for trip cancellation due to unforeseen circumstances such as illness or natural disasters. This is super important if you have pre-existing medical conditions as most insurance policies will only cover them if you purchase insurance within 10 days of the first payment you make on your trip. For example, if you get hospitalized due to an underlying medical condition, like diabetes or high blood pressure, after you’ve already made your final payment on the cruise, having purchased insurance early allows you to file a claim and recoup the non-refundable costs from your trip.

• Before Final Payment of the Cruise: Final payment of the cruise, which varies by cruise line and cabin type booked, is usually the last chance to add on travel insurance provided by the cruise line. If you haven’t purchased it already, make sure you compare the cost and coverage offered by the cruise line with independent policies to decide which is best for your trip.

• One Month Prior: A month before departure, you might want to consider expanding your coverage. Most of the best cruise travel insurance providers allow you to include additional elements like shore excursions, specific covered events, or higher levels of emergency care. This flexibility helps you tailor your policy to your precise needs as your trip details become clearer.

• Two Weeks Prior: Ensuring that any last-minute details or updates are made to your insurance policy is crucial. Most policies require that all prepaid, non-refundable expenses associated with the trip are included in your total trip cost that you provide to the insurance company. Get this updated if you’ve booked anything else that cannot be canceled for a refund.

Purchasing comprehensive cruise insurance promptly after booking offers numerous advantages, from peace of mind to financial protection. Given the numerous benefits and flexibility offered by different providers, taking the time to secure and tailor your insurance policy will ensure that your cruise experience is as smooth and worry-free as possible.

What Do Cruise Travel Insurance Plans Cover?

While it’s essential to read the fine print of any insurance policy to understand what you’re safeguarded for, travel insurance companies generally offer at least three levels of protection: a basic travel select plan, a full coverage plan, and a mid-tier “middle of the road” policy. These plans typically cover the following aspects of your cruise vacation:

• Medical Expenses and Emergency Evacuation: Coverage for medical expenses incurred on the cruise and the cost of emergency evacuation.

• COVID-19: While most plans cover illness or cancellation due to illness from COVID-19, you may require a physician to prove your condition. It’s important to note that declining to travel due to fear of exposure to the illness is usually not covered unless you have “Cancel for Any Reason” coverage.

• Trip Cancellation Insurance: Protection against trip cancellations due to serious injury or illness.

• Emergency Travel Assistance: Access to a 24/7 helpline connecting you to experts who can help with unexpected travel issues wherever you are.

• Lost Luggage: Compensation for lost or delayed luggage.

• Travel Inconveniences: Also known as trip interruption coverage, this provides a one-time payment for significant delays or diversions you experience.

While most cruise insurance providers offer standard plans, they also provide optional and customizable elements to ensure you get the benefits and coverage you need. Regardless of the type of plan you choose, ensure your travel insurance company will reimburse you in cash rather than future cruise credit.

How Much Does Cruise Insurance Cost?

The cost of cruise insurance depends on several factors, including the countries you are visiting, the cruise line you are traveling with, the country and state you live in, the length of the trip, and your age. The level of coverage you select also significantly affects the cost.

Travel Insurance Cost Breakdown

1. Destination: The countries you are visiting impact the cost because some destinations have higher medical costs than others. For example, cruises to the Caribbean typically have lower insurance costs compared to cruises to Europe or Asia, where medical care can be more expensive.

1. Duration: The length of your cruise influences the price. Shorter cruises (e.g., a 3-day Caribbean cruise) will generally be less expensive to insure than longer cruises (e.g., a 14-day European river cruise) because there’s a shorter period during which something can go wrong.

1. Age: Older travelers tend to pay higher premiums due to increased health risks. For example, a 30-year-old might pay significantly less for the same policy than a 65-year-old.

1. Level of Coverage: Basic plans that include trip cancellations due to weather and lost luggage coverage may start less than $50 per person. More comprehensive plans that include medical evacuation, surgical costs, and extensive medical treatment can cost $800 or more for a couple opting for full deluxe plan coverage.

1. Additional Options: Optional add-ons to cover adventure sports, rental cars, vacation rentals, pre-existing medical conditions, “Cancel for Work Reasons” (CFWR), and “Cancel For Any Reason” (CFAR) may increase your premium.

Cruise Insurance Saving Tips

• Bundle Insurances: If you are considering medical travel insurance along with trip cancellation, trip delay, and baggage insurance, definitely look into comprehensive travel insurance. Comprehensive plans with waivers for pre-existing conditions are typically more expensive, but essential for travelers with ongoing health concerns. You should also consider bundling your cruise insurance with other travel plans like flight insurance, accidental death / dismemberment, or rental car insurance. This can save you some money and streamline your coverage.

• Early Booking Discounts: Many insurance providers offer discounts for policies purchased well in advance. The earlier you purchase, the greater the likelihood of securing a lower premium.

• Annual Plans: If you travel frequently, an annual travel insurance plan might be more cost-effective than purchasing individual policies for each trip but be aware that most annual travel insurance have lower coverage options, such as pre-existing condition waivers.

• Compare Plans: Shop around and compare different insurance providers. Online insurance comparison tools can help you find the best deal tailored to your specific needs.

Whatever plan you choose, you’ll likely have to pay an excess, which will also influence the overall cost of your plan. By understanding the various factors and employing some practical tips, you can secure a comprehensive cruise insurance policy that fits your needs and your budget.

Where to Buy Cruise Insurance

You have several options when it comes to where to buy cruise insurance: directly through your cruise line, a travel agent, or an insurance provider. Each method has its own set of advantages and disadvantages.

Cruise Line Insurance: Buying insurance through your cruise line can be convenient, as it’s tailored specifically for your cruise and can easily be added to your booking. However, premiums might be higher, and coverage may be limited compared to only the cruise portion of your trip.

Travel Agent: Using a travel agent to purchase insurance can ensure you get the best policy to suit your needs, as they have in-depth knowledge of different insurers and policies. The downside is that travel agents likely have preferred providers, potentially limiting your choices.

Insurance Providers: Purchasing directly from an insurance provider often provides the broadest range of options and can result in lower premiums due to direct purchase. However, this requires extensive research to find a reputable provider that offers comprehensive coverage at the best price… but keep reading to learn our solution for that!

Should I Buy Insurance Through My Cruise Line?

Cruise lines make it very easy to add travel insurance (or “vacation protection”) to your reservation but it’s worth noting that coverage from cruise companies may be more expensive and may not be as comprehensive as what you would get from a dedicated travel insurance provider.

Since cruise insurance shouldn’t be one-size-fits-all, it’s important to thoroughly review the coverage that cruise line plans offer, including their limits for medical expenses, provisions for pre-existing medical conditions, and other non-refundable expenses you may incur from the trip. For example, if you’re flying to the cruise port, will it cover the cost of your flights, pre-cruise hotel, or rental car if you aren’t booking these through the cruise line and have to cancel your trip suddenly? This is especially crucial if you are planning to spend multiple days in a destination before or after your cruise.

Who Should I Get Cruise Travel Insurance From?

For the most comprehensive coverage, consider purchasing your cruise travel insurance from a reputable travel insurance provider rather than through your cruise line. There are numerous reputable cruise insurance companies, including major players like Nationwide Mutual Insurance Company, AIG, ING, and Seven Corners, who offer robust coverage to protect you from various potential issues, from medical emergencies to trip cancellations.

Researching all the different cruise insurance providers and plans they offer can be time-consuming. That’s why using InsureMyTrip can be a great idea. InsureMyTrip is a comparison tool that simplifies this process by comparing travel insurance plans from multiple insurers.

How InsureMyTrip Works

• Aggregates Multiple Plans: InsureMyTrip collects travel insurance options from various providers, making it easy to compare different plans side by side.

• Customizable Filters: Users can filter plans based on specific needs, such as medical expense limits, trip cancellation policies, and specific exclusions.

• User Reviews and Ratings: InsureMyTrip includes user reviews and ratings for each plan, helping you gauge the experiences of other travelers.

• Expert Advice: The platform offers expert advice and resources, including COVID-related travel advisories, to keep you informed of the latest updates and travel safety guidelines.

Benefits of Using InsureMyTrip

• Time-Saving: Instead of visiting multiple websites and sifting through numerous policies, InsureMyTrip consolidates everything in one easy-to-navigate interface.

• Best Deals: By comparing multiple insurance plans, you can find the best deal that offers the most comprehensive coverage for the lowest price.

• Informed Decisions: Detailed information and user reviews help you make informed decisions based on the experiences of others and expert recommendations.

Tips for Using InsureMyTrip to Find the Best Cruise Insurance

• Know Your Needs: Before you start comparing plans, have a clear understanding of what coverage you need. This includes medical coverage limits, cancellation policies, and specific exclusions.

• Use Filters: Take advantage of the customizable filters to narrow down your options based on your requirements.

• Read the Fine Print: Carefully review the details of each plan, especially the exclusions and limits, to ensure it meets your needs.

• Check Provider Ratings: InsureMyTrip displays the AM Best rating for each insurance company on their site. AM Best is the largest credit rating agency in the world specializing in the insurance industry.

• Check Reviews: User reviews and expert ratings can provide valuable insights into the reliability and customer service of the insurance provider.

• Ask Questions: InsureMyTrip has live chat and a toll-free number for you to ask questions about the policies they offer so if you aren’t sure, ask!

Using InsureMyTrip can provide specific and detailed information on booking the best cruise insurance for your needs, making the process of finding and securing comprehensive coverage easier and more efficient. Click this link to learn more and get a cruise insurance quote.

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By leveraging comparison tools and choosing reputable providers, you can ensure that you have the best cruise travel insurance to protect you and your investment.

Final Thoughts

Whether you are departing from bustling New York, the tropical Bahamas, vibrant Sydney, or the culturally rich Tokyo, taking out cruise insurance for your next trip across one of the Seven Seas is a wise and prudent decision. Although it requires an additional payment beyond the cost of the cruise, considering it as a necessary trip expense or part of your transportation costs will provide invaluable peace of mind before your vessel departs. The assurance that you are protected against a wide range of potential issues allows you to fully enjoy your vacation without constant worry about unforeseen circumstances.

When planning your cruise, there are several additional considerations to keep in mind that can influence your decision on which cruise insurance plan to choose. One crucial factor is the political stability of your cruise destination. Some regions might experience political unrest or instability, which could impact your travel plans. Ensuring your insurance policy covers trip cancellations or interruptions due to political events is essential for such destinations.

Healthcare quality at your cruise destination is another important consideration. While onboard medical facilities can handle minor issues, serious medical emergencies may require treatment at local hospitals. Research the healthcare standards of the countries you will visit and choose an insurance plan that includes comprehensive medical evacuation coverage. This ensures you can be transported to a facility that meets your needs if required.

Environmental risks also play a significant role in cruise planning. Destinations prone to natural disasters such as hurricanes, earthquakes, or volcanic eruptions can pose a threat to your trip. Make sure your insurance plan covers natural disaster-related cancellations, delays, or interruptions. Additionally, look into whether your policy includes provisions for unexpected environmental hazards, such as air quality issues or water contamination, which could affect your travel plans.

Ultimately, it’s worth doing your homework, comparing plans, and assessing the risks of not having trip cancellation coverage or having to pay out-of-pocket for a trip delay. The last thing you want is to have your cruising experience ruined because you didn’t take out common carrier connection coverage or trip interruption insurance, leaving you with a hefty bill to cover. By carefully considering these factors and using the checklist to guide your decision-making process, you can select the best cruise insurance plan to suit your needs, ensuring a smooth and enjoyable journey.

Taking these steps will not only safeguard your financial investment but also allow you to focus on the excitement and adventure that awaits on your cruise. With the right insurance policy in place, you can set sail with confidence, knowing that you are prepared for whatever the journey may bring.

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