Travel insurance for cruises.

Leave the worry at home with Cruise Travel Insurance

When you’ve booked your dream ocean or river cruise, you’ll want to make sure you’re covered with the right travel insurance.

It’s not nice to think about something going wrong on your cruise – like if you miss your departure from your first port, cabin confinement or itinerary changes that are out of your hands. But worry not! Specialist cruise insurance is here to lend a hand if things go pear shaped.

Do you need special travel insurance for a cruise?

Having specialist cruise travel insurance isn’t legally required, but lots of cruise lines ask that you have a general travel insurance policy before you set sail.

Some cruise companies expect you to have specialist cruise holiday insurance to cover you against things that only happen at sea. It’s a good idea to check what cover your cruise line expects you to have.

What does cruise travel insurance cover?

Cruise holiday insurance policies aren’t all created equal. Here’s a summary of what our two policies cover – both of which include cover for cruise-specific mishaps:

What’s not covered?

Having cruise cover can help with most unexpected costs. But there are some types of claims that can’t be covered, like:

• Travelling against the advice of a doctor
• Deciding not to travel
• Going abroad for medical treatment
• Medical conditions that you haven’t told us about

Make sure you give your policy documents a read before you travel. That way you’ll be confident knowing what’s covered, and what’s not.

Cruise travel insurance with medical conditions

Living with pre-existing health conditions shouldn’t stop you from having a great cruise. We just need to take a little extra care to make sure you’re properly covered. 

Including your health conditions on your policy means you can be covered for claims relating to your health condition. Not mentioning any conditions could invalidate your policy.

So, whether you have heart conditions, diabetes, high blood pressure or anything else, it’s really important you let us know.

If you’re wondering if we can cover your condition, you can find out more about travel insurance for people with pre-existing medical conditions.

Or give us a call and we’ll take the time to explain everything at your own pace. We’ll never rush you.

Do I need to tell you all of the places we’ll visit on my Cruise Travel Insurance?

For a Single Trip policy, you’ll need to tell us the names of all countries your ship will be porting at. Even if you’re not planning on getting off the ship. This way you can be sure you’ve got the right level of cruise insurance for your itinerary.

But if you choose an annual policy, just make sure that the countries you plan to visit, or stopover at, are covered in the region you choose.

How much is cruise insurance?

The price of holiday insurance for cruises changes depending on what kind of cover you need. It will depend on things like:

• Where you’re going
• How long you’re cruising for
• Your age 
• Pre-existing medical conditions
• The type of cover you choose

Can you add cruise travel insurance to an existing policy after booking?

It’s a good idea to tell us as soon as possible that you’re planning on going on a cruise – that way you’re covered for things before you set sail – like cancellation. You can upgrade your existing Annual Multi-Trip policy to include cruise cover. Give us a call, and we’ll talk you through the changes. These might be subject to a referral to our underwriter.

Flexibility to change details online

When you buy a policy from us, you can make changes yourself by logging into your My Avanti account. Here you can:

• access policy documents
  
• update traveller details
• change your single trip insurance dates (limits apply)
• renew an annual travel insurance policy if you have no changes to make
• and more.