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.

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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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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There are many different options available when it comes to the travel insurance you should buy for a cruise, and those options come from a variety of sources.

Whether you rely solely on your own health and homeowner’s insurance policies, choose a supplemental policy from a separate insurer, or go with the cruise line’s own all-encompassing insurance package, you should do your research to ensure the safest and most enjoyable cruise possible.

Get free online insurance rates and quotes by entering your zip code now!

Part of any comprehensive research plan involves detailed rate comparisons. To find out what’s out there in terms of the travel insurance you can buy for a cruise, just type your zip code into the box on this page.

This will automatically generate a list of travel insurance options available in your area. Knowing how much the various options cost will help you find the best, most personalized insurance option for your travel needs.

You’ll Feel Safer When You Buy Travel Insurance for a Cruise

Some of the most important forms of travel insurance for a cruise are those that help protect life, limb, and wallet. Emergency evacuation and medical transportation insurance are two forms of such coverage that comes into play on a cruise.

Imagine falling gravely ill on a ship in the middle of the ocean. The last thing you should need to worry about is the cost of the helicopter that will whisk to a more populated and medicalized locale. Expenses like these, which could add up to tens of thousands of dollars, are the reason why it’s such a good idea to buy travel insurance for a cruise.

As always, it is crucial to familiarize with all fine print on any travel insurance policies that are up for consideration. Some travel insurance companies will not insure travelers in war torn countries or places rife with civil unrest. If you are travelling to a dangerous location, you will need to seek out specialized—and probably more expensive—travel insurance.

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Save Money and Time With Cruise Travel Insurance

Travel insurance can reimburse you the cost of your trip if you or your traveling companions are unable to embark on the cruise due to illness, injury, or other reasons that aren’t specifically listed as null and void on the policy.

It may also cover you if you are forced to end your vacation early due to Norovirus, the illness that has been in the news lately due to its effect on cruise-goers. With specific Norovirus coverage—provided you are diagnosed on the ship—your medical, transportation and cruise interruption costs would be covered.

Getting to the Cruise Ship is Half the Battle—Fight it With Travel Insurance

Air travel is rife with uncertainty, from the arrival of the plane to the arrival of the luggage. Travel insurance can help smooth the first leg of your journey by providing flight delay insurance, flight cancellation insurance, and baggage delay/cancellation insurance.

  • Flight delay insurance will pay for food, lodging and extra fees that can result from a late arriving plane.
  • Flight cancellation insurance will cover a new flight.
  • Baggage loss insurance and delayed baggage insurance will provide you with cash in the event that the airline loses your luggage so that you can quickly replace the missing items and start enjoying your cruise.

Know What is Not Covered With Cruise Travel Insurance

As with any form of insurance, travel insurance includes a jumble of fine print that spells out a host of situations that are not covered. For example, most travel insurance companies will not reimburse a cruise that you cancel because you lost your job, developed a fear of the ocean, or don’t like the weather forecast for the week.

There are, however, a few insurers that do provide options allowing you to cancel for pretty much any reason you can think of. You will pay a steeper premium for the privilege—most likely it will be in excess of 10% of the cruise cost—but if that kind of peace of mind is important to you, it may be a worthwhile expense.

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Choose From a Variety of Well-Respected Travel Insurance Providers

Type your zip code into the box on this page right now to enable a simple, free rate comparison tool that will help you find the travel insurance provider that best fits your needs as you prepare for your trip. This is where you will find the details that will fully answer any questions about what travel insurance you should buy for a cruise.

Enter your zip code and compare travel insurance rates today!