Cruise Travel Insurance
At sea, small problems get expensive fast — helicopter evacuations, missed embarkations, skipped ports. Cruise-fit plans put specific benefits behind each.
Get an instant comparison for your trip
Why it matters
- Medical evacuation from a ship (helicopter + nearest adequate hospital) is the classic six-figure claim — the $500k–$1M evacuation limits on plans here exist for exactly this.
- Miss the ship because your flight was late and you must self-fund the catch-up to the next port — unless missed-connection cover pays it.
- Cruise lines’ own protection mostly refunds in future-cruise credit; real insurance refunds money and covers medical, which line waivers do not.
6 plans built for this
Allianz Travel
Allianz OneTrip Prime
Allianz’s most popular plan — solid limits plus free cover for kids 17 and under.
$25,000 medical cover →
Allianz Travel
Allianz OneTrip Premier
Top-tier limits — double Prime’s medical and $1M evacuation.
$50,000 medical cover →
Travel Guard
Travel Guard Preferred
AIG’s mid-tier bestseller — balanced limits with a deep add-on menu.
$50,000 medical cover →
Travel Guard
Travel Guard Deluxe
AIG’s flagship: $100k medical, $1M evacuation, generous delay benefits.
$100,000 medical cover →
Seven Corners
Seven Corners Trip Protection Choice
High medical limits for a US comprehensive plan, cruise-friendly benefits.
$250,000 medical cover →
Travelex Insurance Services
Travelex Travel Select
The family favourite — children 17 and under insured free with an adult.
$50,000 medical cover →
Buy with a real consultant — not just a checkout form
Our consultants confirm final premiums with the insurer, check the wording against your trip (visa rules, activities, health declarations), and stay on the file for claims help.
How to buy it right
- Fly in a day early AND carry missed-connection cover — the combination, not either alone, protects embarkation.
- Check cancellation limits against the full cruise fare including excursions and pre-paid drinks packages.
- For expedition itineraries (Antarctica, Arctic), verify the evacuation limit and any latitude exclusions — operators often mandate $100k+ evacuation cover.
Frequently Asked Questions
Does regular travel insurance cover cruises?
Comprehensive plans (Allianz OneTrip Prime/Premier, Travel Guard Preferred/Deluxe, Seven Corners Choice) cover cruising including shipboard medical and evacuation. What needs checking is benefit size — evacuation at sea is costlier than on land.
What is cabin confinement benefit?
A per-day payment when the ship’s doctor confines you to your cabin for illness — compensation for lost cruise days. Found on cruise-specific upgrades of several US plans.
Am I covered at port stops and on excursions?
Yes for medical and baggage benefits, worldwide. Adventure excursions (jet ski, zip-line, diving) follow the plan’s activity list — check before you book the excursion, not after.
Other trip types
Premiums shown are indicative estimates compiled from publicly available plan literature and typical market rates — the final premium, terms and issuance are always set by the insurer. Plan benefits, limits and exclusions are summarised for comparison; the policy wording issued by the insurer is the only binding document. Confirm current terms with the insurer or our consultants before purchase.