Cruise insurance

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Travel insurance - Important Coronavirus update

As of 04:00 BST on 4 October, the current traffic light system will change for travel abroad.

The new system will be simplified to just a red list. However there’s still a risk that non-red countries could move to the red list on short-notice.

A PCR test is required on day two of your return from a non-red list country.

If a traveller has not had two vaccinations, a covid-19 test is still required ahead of travel as well as PCR tests on day two and eight of your return. Test to release is also available to reduce the self-isolation period.

Some insurers might not offer covid cover to unvaccinated travellers so check your policy details.

Make sure you check the FCDO advice before travelling and the entry requirements for your destination.

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.

cruise insurance

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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