Cruise Travel Insurance: Is It Worth the Cost?

Table Of Content

• What is covered by cruise insurance?
• More resources for cruise travel insurance shoppers
• Can you buy medical insurance for a cruise?
• Does the Travel Insurance Provided by my Credit Card Cover My Cruise?
• World Nomads Explorer Plan
• Best Cruise Travel Insurance, Cancel for Any Reason Coverage: John Hancock Insurance Agency

The cost of cruise insurance can vary greatly by company and plan, so it’s a good idea to compare plans before buying. Travel delay insurance reimburses you for additional expenses such as meals, transportation and lodging you incur because of an unforeseen travel delay. The delay must last a certain number of hours before this coverage applies.

What is covered by cruise insurance?

These policies offer the highest level of emergency medical coverage among the plans in our top picks. We were impressed by TripProtector Preferred’s superior trip interruption benefits—200% of the trip cost. Luxury-level benefits are another reason we recommend the TripProtector Preferred plan.

More resources for cruise travel insurance shoppers

It refunds parts of your trip that you miss because of a common carrier delay. We check customer reviews and other resources to see which companies honor policies most effectively. But for most travelers, having a backup plan in case anything goes wrong makes the trip that much more enjoyable. During the second week, he developed severe bronchitis and was treated for four days in the ship’s clinic. We called our daughter (back at home), who immediately contacted Travel Guard on our behalf to start the claims process--which was seamless. After we returned home, I submitted all bills for which we were paid very quickly.

Can you buy medical insurance for a cruise?

Best Travel Insurance Companies of April 2024 - Business Insider

Best Travel Insurance Companies of April 2024.

Posted: Tue, 16 Apr 2024 17:38:00 GMT [source]

In these situations, cruise insurance can reimburse you for prepaid and non-refundable expenses. All five plans provide coverage for COVID-19-related trip cancellation and interruption. Insurance pricing is dependent on the trip cost and the age of the insured travelers. Sandberg estimates that "travelers in their 30s or 40s can ballpark insurance coverage somewhere around 5% to 7% of the trip costs, with rates that can get lower depending on the extent of coverage." A Berkshire Hathaway WaveCare cruise-specific plan was $202, quite a bit more than average, but with the most medical evacuation coverage. Travel medical insurance can cover medical expenses you incur while on and off the ship.

Does the Travel Insurance Provided by my Credit Card Cover My Cruise?

Baggage insurance reimburses you for lost, stolen or damaged belongings. But note that reimbursement is for the depreciated value of your items, not the cost to buy new ones. Also, you may have to first make a claim on home or renters insurance.

Those are often best since the cruise line has a history of working with that company and has considered the intricacies of the various ports its ships are visiting. Travel insurance typically covers cruises and other types of travel, whereas cruise insurance is designed to specifically protect you while cruising or getting to your cruise. Trip cancellations are covered for 100% of the trip cost (up to a max of $150,000) and trip interruptions are covered for 150% of the trip cost (up to a max of $225,000). This plan covers baggage delays of more than 12 hours for up to $600 and covers lost, damaged or stolen bags or personal items for up to $300 per item ($2,500 maximum). It also has missed cruise connection coverage of $150 per day for accommodations and meals ($1,500 maximum). The full trip cost (100%) is covered for both cancellations and interruptions.

Best Cruise Travel Insurance, Cancel for Any Reason Coverage: John Hancock Insurance Agency

We help you find the right plan with the benefits you need and include the support of our fully-licensed, award-winning customer care team. Protect your trip with cancellation, interruption, delay and medical benefits. The more you’re spending on your trip, the more you likely need travel insurance.

Here are the 5 best cruise insurance plans - CNBC

Here are the 5 best cruise insurance plans.

Posted: Tue, 17 Oct 2023 12:31:20 GMT [source]

Cruise insurance is especially important to consider when booking a cruise because of the unique multi-leg nature of traveling by cruise ship. Depending on the plan, cruise travel insurance can protect you if you miss a leg of your trip or have an emergency evacuation from the sea. When traveling abroad by ship, cruise trip insurance can cover you for unexpected medical issues. We invite you to get a personalized insurance quote for your cruise and compare the available plans.

Best for Baggage Delays

We assessed cost, travel medical and evacuation limits, baggage and trip delay benefits, the availability of cancellation and interruption upgrades, and more. Our editors are committed to bringing you unbiased ratings and information. You can read more about our editorial guidelines and the methodology for the ratings below. Standalone travel insurance policies can be purchased to cover one person or a family for a specific trip or multiple trips within a period of time.

We also like that the policy includes benefits if, under certain conditions, you must start your trip earlier than planned—a feature not found in all policies. Nationwide’s Cruise Luxury plan is one of our favorites because it has a treasure trove of benefits such as “interruption for any reason” and “cancel for work reasons” coverage. We also like its excellent missed connection benefit of $2,500 per person. TravelSafe’s Classic Plus plan stood out in our analysis for its superior missed connection benefits of $2,500.

And baggage delay insurance lets you recoup expenses for necessities, such as clothes and toiletries, while you wait for your luggage. Policies usually require a certain time delay before baggage delay coverage kicks in, such as six hours. The Cruise Choice plan gets our attention for its compensation if you miss activities because your cruise ship changes its itinerary and for the inconvenience of delays to the next port of call. The Cruise Choice plan’s competitive price is another reason we recommend taking a look. Enter your trip details to quote, compare and buy travel insurance from trusted insurers. Purchase securely with instant confirmation of coverage and travel worry-free.

Optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades allow you to customize a policy to fit your needs. Find travel insurance policies from reliable companies and stay protected on your next trip with TravelInsurance.com - it's Travel Insurance Made Easy™. Shayla Northcutt is the CEO and founder of Northcutt Travel Agency and a leading world travel expert. Her main expertise includes destination weddings, honeymoons, large group travel, family travel, world travel and travel insurance.

However, it adds about 40% to your premium and can only be purchased within a limited window of time after your cruise purchase. The average price of each company’s most basic coverage plan was $124. These policies didn't include optional add-ons, such as Cancel for Any Reason coverage or coverage for pre-existing medical conditions.

Travel medical insurance covers the cost of non-routine health care if you get sick, including contracting COVID-19, or being injured on your trip, up to your policy limit. Additionally, you shouldn’t expect your U.S.-based health insurance plan to cover you on your cruise, especially if you’re on an international cruise. And it’s exceptionally expensive if you need to be evacuated for a medical condition.

Emergency medical and CFAR are a couple of the options you can expect. No matter which Travel Guard insurance plan you choose, you’ll have access to our specially trained representatives for 24/7 emergency travel assistance. Catch up on CNBC Select’s in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date. Nationwide's standard Universal Cruise Plan will be more than sufficient for many cruisers. World Nomads offers insurance underwritten by Nationwide, geared specifically toward thrill-seekers.