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Travel Insurance for Cruises

Compare Cheap Travel Insurance Policies covering Cruises

Cruises are an ever more popular way to holiday, but good travel insurance is critical - if you need hospital treatment you may need airlifting - don't risk having to foot the bill yourself.

Travel Insurers with Specific Cruise Cover

Columbus Direct
  • Specialist Cruise Cover with Cruise Policies
  • Cruise Connection, Cabin Confinement and Unused Excursion Cover
  • Optional Upgrade for Volcanic Ash Cover
  • Select European or Worldwide Cruises from the destination options


Specialists in Travel Insurance for pre-existing medical conditions

  • Specialist Cruise Cover
  • No Upper Age Limits
  • Pre-Existing Medical Conditions - 98% of Customers Offered Cover
  • River Cruise Cover Also Available


Cruise Insurance with specialised medical condition cover

  • Missed Port and Cabin Confinement Cover
  • Supplier Insolvency Cover
  • Unused excursions up to £300
  • Up to £6,000 Cancellation Cover per passenger on classic policy


Good to Go
  • Travel insurance for pre existing medical conditions
  • Up to a high level of severity and even a terminal prognosis
  • Cancer, Heart Conditions, Diabetes, Stroke, Epilepsy and many more
  • Cover is available to travellers on a course of chemotherapy or radiotherapy
  • Travel insurance cover for mental health conditions
  • Three levels of travel insurance cover to choose from


Want to talk? Travel Insurance Brokers with Cruise and Medical Condition Cover



Specialists in Travel Insurance for pre-existing medical conditions

  • Cruise cover includes cabin confinement, missed port and unused excursions
  • No Upper Age Limits
  • Simple medical screening process
  • Up to £10k cancellation cover


Cruising is becoming an ever more popular way to go on holiday, and as its popularity grows the demand for Travel Insurance that specifically meets the needs of those going on a cruise grows with it.

If you are looking for travel insurance for cruises, whilst on the whole standard travel insurance can be used, there are some additional considerations to take into account.

Some policies which offer specific cruise related cover are detailed below. Although all this information is correct on the date of publication, it could change (many companies are currently updating their policies in relation to the covid 19 outbreak) so ensure you check your individual policy wording to find out exactly what you're covered for on your trip:

CompanyPolicy NameMaximum Trip LengthMissed PortCabin ConfinementUnused Excursion CoverPreexisting Medical CoverMore Info
AvantiDeluxe104*YesYesYesOptionalMore Info
*with a single trip policy. Add optional long stay cover and the trip limit is 18 months. Age restrictions apply.
StaysureCruise Plus Cover100YesYesYesOptionalMore Info
50 days is standard but this can be increased by adding the Optional 100 day extension available if you are aged 70 or under and you take out a comprehensive annual policy
Good to GoCruise Policy94YesYesYesOptionalMore Info
Just Travel CoverVarious183*YesYesYesOptionalMore Info
*Comparison service offers a range of benefits. Available online or call 0800 542 7166. Use voucher code MAX5 for a MoneyMaxim negotiated discount of 5%.
InsureandGoCruise cover can be added to a standard policy.365*YesYesYesOptionalMore Info
*This is for a single trip policy. The limit is 55 days with an annual policy.

Where are you travelling to?

If you have a policy that only covers a certain geographic area (i.e. is not worldwide) make sure that any destination you are likely to dock in is included in the cover. Some policies cover Cyprus and Spain as an additional category, others will not cover some countries at all. So when looking at geographic areas make sure you are covered wherever you will dock.

On board activities

Cruise ships offer an amazing range of activities both on board and on excursions so if you plan to use the climbing wall or pop off the ship to go camel riding make sure you are covered for any such activities. The last thing you need is to be stuck in a Marrakesh hospital without insurance with an injury after going on a quad biking adventure.

Cruise specific cover

Some companies offer cover specifically for cruises. This means they offer cover for areas such as cabin confinement (compensation if you are unable to leave your cabin as there is illness on the ship), missed excursion cover (covering the costs of pre paid excursions if you are unable to partake in them due to illness) or missed port cover (in case you miss the ship when it leaves port).

The importance of travel insurance on a cruise ship

Insurance is important whenever you travel, but arguably even more so on a cruise ship. If you should fall ill and need hospital treatment it's not a case of a quick trip down the road in your car or by ambulance. You may need an airlift from the ship and the costs can be enormous. It is for this reason some cruise companies will not allow passengers to board without proper cover - they do not want a situation to arise where a passenger does not have the financial means to pay for the treatment or repatriation they require.

It can be worthwhile considering a comprehensive policy, as features such as missed connection cover are valuable - a delay to a flight can lead to you missing your ship's departure and the consequent costs can quickly build - the few extra pounds paid for a good policy will then look excellent value.

This content was last reviewed on 20/12/2023

Image courtesy of: marcus / FreeDigitalPhotos.net