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Cruise travel insurance

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Why you need travel insurance for cruises

Planning a cruising holiday is really exciting. But what’s not as thrilling is the thought of not being covered properly.

Although it’s not a legal requirement to have specialist cover, many cruise ships and travel companies won’t let you aboard if you don’t have the right level of insurance.

By choosing our specialist cruise cover, you’ll be making sure your holiday insurance is boosted in the places that your holiday needs it most.

Find out more about why you should choose our Cruise Travel Insurance for your next adventure below.

When you’re ready, get a quote online in minutes, or call us on 0800 888 6195.

What is covered for cruising holidays?

Our cruise cover is available for both Single Trips and Annual policies to help make sure your holiday plans are covered properly.

Both our Classic and Deluxe cruise insurance options offer a great level of cover and include specific ship-related eventualities like cabin confinement.

The best and most comprehensive policy to choose is our Deluxe option which has been rated as 5 star by Defaqto and offers:

✔Unlimited medical expenses
✔Cancellation cover up to £10,000
✔Personal baggage cover up to £5,000

Take a look at the summary of our most popular cruise cover options to find the right level for your needs.

Classic Cruise Deluxe Cruise
Cancellation and cutting your holiday short £6,000 £10,000
Medical expenses & repatriation £10m Unlimited
Personal baggage £2,500 £5,000
Missed port departure £1,500
Cabin confinement £50 per completed day of confinement up to £500
Itinerary change £100 per port
Cruise interruption £1,000
Emergency evening wear £100
Personal money & passport £500
Personal liability £2m
Excess £75 nil

How long can I go on holiday for?

Not all holidays were created equal. Sometimes, you’ll want to take a quick cruise and other times you’ll be planning a longer adventure at sea. With all of our insurance policies, we count from the day you leave home to the day you plan to get back home safely. Find out more about which option suits your travel plans best:

One off holiday, up to three months

If you’re travelling for up to three months, then our single trip policy could be the best choice for you. With no upper age limit it covers you for up to 104 days.

One off holiday, up to 18 months

When our single trip just isn’t long enough, we have a longer option. Designed for people under 76 years old, you could increase the length of your trip.

This optional extra can increase your time away if you’re looking to cruise for more than 3 months. The length of stay we can offer depends on your age and where your cruise is going from 4 months up to 18 months.

Find out more about our long stay cover.

Regular traveller

If you want to cover your cruise along with the rest of your travel plans, then choosing a boosted Annual Travel Insurance policy could be the best choice.

If you’re under 86, you could be covered for a whole year’s worth of short holidays. As long as you don’t spend more than half the year in total away on your holidays, you can travel as often as you like.

There are some age-related restrictions on how long each trip can be for our annual policies, which are:

If you’re 70 and under: You can spend a maximum 50 days away in any one trip, which can be boosted to 90 days with an additional premium.
If you’re between 71-85: You can spend a maximum of 35 days away in any one trip.

Cruise cover with pre-existing medical conditions

If you’re living with pre-existing medical conditions, it shouldn’t stop you from having a great holiday. We just have to be a bit more careful – and that means making sure you’re covered properly.

By declaring your medical conditions on your travel insurance, you should be covered if something happens relating to your condition.

We consider all medical conditions and help you to get the right level of cover.

So whether you have conditions such as heart conditions, diabetes or high blood pressure or anything else, we want to know about it.

If you’re worried about the types of questions we ask, or if we cover your condition, you can find out more information about travel insurance for people with pre-existing medical conditions.

Do I need to declare all of the places we’ll port?

Even if you’re not planning on getting off of the ship, you’ll need to tell us the countries that you’ll be porting at. This helps us to make sure that we can offer the right level of cover.

If you’re planning on taking out a single trip policy, you’ll need to list all the countries individually. If you have an annual policy, you’ll just need to make sure that the countries you’re going to, or porting at, over the next year are covered in the region you select.

Ahoy! Let’s get your cruise travel insurance quote today

Talk to us today on 0800 888 6195. Or, you can get a quote online in just a few minutes.

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Essentials, Classic and Deluxe Policy wording document

Cruise Policy wording document