Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Do you have to get travel insurance for a cruise?

Do you have to get travel insurance for a cruise? If you have a trip coming up no doubt this question has crossed your mind. The simple answer is no. However, you may want to have it.

Compare online insurance rates and quotes with just a zip code now!

Insurance for your cruise is not required by law and is usually not required by cruise lines, though they may try to pressure you into buying it through them for an extra fee. Don’t feel obligated to purchase anything that you do not want to purchase—this principle includes insurance.

Problem Scenarios and How Travel Insurance Helps

That being said, there are a number of reasons that make travel insurance in general a good idea. Before you shrug it off you may want to consider some of the pluses of travel insurance that just might save you a great deal of money and hassle when you’re overseas.

Many people plan a cruise for their honeymoon. This can be a wonderfully relaxing way to start out your married life together. What would you do, however, if your sweetheart gets cold feet and leaves at the altar and leaves you holding non-refundable cruise tickets? This is a great example of how travel insurance can benefit you.

Don’t like that scenario? Let’s consider another: your love is true and you aren’t the least worried about cold feet…but what about sudden illness? If your significant other gets food poisoning from your wedding buffet and has to take a trip to the hospital instead of Cancun, then the cost of travel insurance will be worth it. Some companies actually provide a full refund or a rescheduling of your missed trip.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Travel Insurance Protects You from Unpredictability

Let’s consider another scenario. Perhaps you are a retired person looking to go on the trip of a lifetime! Not to be a downer, but it’s true: as we get older, the chances of medical conditions affecting our vacation plans do increase. Having an unexpected trip to the hospital is no one’s idea of fun. With traveler’s insurance, the worst case scenario is that your trip can be refunded or rescheduled for when you are feeling back on top of the world and can enjoy it.

Let’s say you are as fit as a fiddle and ready to go. You seem like the adventurous type! After all, you are the type to get off the boat every time it stops, explore every nook and cranny of a new area, and really take in the experience.

Unfortunately, you are also the type who easily loses track of time. That wonderful cruise ship waits for no man (or woman). So don’t cry a storm if you miss the boat! If you have traveler’s insurance for cruise liners, you can have the expenses of getting you back to the ship or getting a flight home covered.

Lastly, let’s say that you aren’t getting married, are in great health, and are always on time. Fantastic! That is until you show up and find out your cruise company has gone out of business! You don’t have to sweat it though, as this nightmare can at least have a happy ending. Your travel insurance company can refund your money or help to get you booked onto another cruise. This is also an excellent reason to buy insurance from a third party, and not from the cruise line company itself.

Of course, coverage in all these situations will depend on the specifics of the policy you take out.

Other things beyond your control that can ruin a perfectly good cruise include winter weather delaying your flight, hurricane season, and many other unpredictable perils, all of which can be covered by certain types of travel insurance.

The Insurance Policy is Your Peace of Mind

In the end, this insurance coverage is buying you peace of mind. Even if nothing happens and you have a smooth sailing trip, you can at least say it bought you some calm, as practically all of your worst “what if” scenarios were addressed. Once you buy that policy, you can sit back and relax. Relaxation…that is really what your vacation is about, isn’t it?

There are many different types of travel insurance. Some cover strict basics, while others will allow you to cancel trips for any reason whatsoever and still get a refund. Always read the small print and understand exactly what your policy will and will not cover before purchasing the insurance policy.

Travel insurance is definitely not a requirement, but it might be a good idea for you, if you want peace of mind and protection. For the same amount that you will probably spend on a night of drinks, you can have a great traveler’s protection policy in place. The further in advance you plan a trip, the more money you spend, and the farther from home you roam, the greater are your chances of benefitting from this coverage.

You can use our chaser tool to start searching for an ideal policy that covers all areas of your upcoming vacation. Start by typing in your zip code, and compare travel insurance quotes right now!