Cruise insurance

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Covid-19 (coronavirus) – important information

From 17th May 2021, a travel traffic light system is being introduced and trips to green list countries will be legally permitted if you live in England. Strict border control measures will remain in place for your return to the UK.

Before you buy, you should consider the implications of your destination moving from a green list country to amber or red as you may incur additional costs and/or face travel restrictions that will not be covered by your travel insurance.

The traffic light rules only dictate what you have to do on returning to England – so even if a country is on the green list, you still need to check your destination's entry requirements and the Foreign, Commonwealth & Development Office (FCDO) advice for travelling there. If the Foreign Office has advised against travel to your destination and you still decide to travel, you will not be covered by any travel insurance policy you purchase.

A few insurers do offer cover If you are an essential traveller, however if you are in doubt or have any queries, please check the policy wording, or contact your chosen provider before purchasing.

Until dates have been set to permit non-essential international travel from Scotland, Wales and Northern Ireland it is important that you follow all the rules that apply to your country of residence.

What does cruise travel insurance cover?

Booked a cruise? You need travel insurance to make sure your trip’s protected as soon as you’ve booked. A standard policy will cover lost and stolen belongings, trip cancellation, medical expenses and repatriation.

But there are extra levels of cover designed for cruise holidays including cabin confinement cover, airlifts to hospital, missed ports and unused excursions.

If you tell us you’re going on a cruise, we’ll only show you travel insurance quotes that contain cruise cover. Once you’ve found a travel policy that’s the right price, check the policy to see what you’re covered for on a cruise.

Going on a cruise with a pre-existing medical condition

Providers will cover you if you have a pre-existing medical condition, like high blood pressure or diabetes. If the insurer thinks you’re likely to seek medical attention on holiday because of your condition, your premium will be higher.

If you’re waiting to have an operation, or are half way through a treatment plan, the insurer might refuse to cover you for it.

It’s really important you’re honest about any existing medical conditions when you’re getting cruise insurance quotes. Don’t, and if your condition gets worse, you won’t be covered for it.

Get the right cover for your destination, for the right length of time

If you’re going on more than one cruise this year, or combining a cruise with a city break or a few weeks at the beach, annual multi-trip travel insurance sometimes works out better value for money than buying a single-trip policy for each break away.

Annual policies cover every trip you make throughout the year, just make sure it covers all your destinations - you can buy European or worldwide policies, depending on where you’re going.

Multi-trip policies usually have limits to how many days each individual trip can be. If you’re cruising for an extended period of time, look at long-stay travel insurance.

Hints and tips

Here are some things to look out for when searching for travel insurance for your cruise:

  1. Read policy documents carefully as they might include certain exclusions and conditions. For example, some providers won’t cover you if you miss the boat due to an excursion booked independently on-shore

  2. Cruises are a great opportunity to try out activities, but check they’re covered under your policy. More extreme sports require extra cover (age restrictions apply)

  3. Check all of the destinations you’re travelling to are covered under your policy. Some insurers will refuse to insure visits to regions with political unrest

  4. Check the daily amount limit for cabin confinement when comparing policies. Make sure you’d be satisfied with the amount of compensation you’d receive if you couldn’t leave your cabin

  5. If you’re going on a short one or two-day cruise as part of a land-based trip, compare standard travel insurance policies instead - but pick a policy that covers this activity

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