Cruise Travel Insurance

If you’re heading off on a cruise, don’t assume standard travel insurance will cut it. Cruises come with their own unique set of risks and quirks, from medical issues at sea to missed ports and shore excursions. Without dedicated cruise cover, you might not be fully protected if something unexpected disrupts your plans.

Traveladder helps you compare policies that offer specific cruise cover, so you can travel with confidence, knowing the important stuff is taken care of.

What does cruise cover include?

In addition to the usual travel insurance benefits (cancellation, medical expenses, baggage protection, repatriation) cruise cover typically adds in extra protection for things that can go wrong on board or at sea. Depending on the policy, this may include:

• Cabin confinement
  Compensation if you're confined to your cabin on medical advice
• Missed ports
  Cover if your ship skips a planned stop due to bad weather or itinerary changes
• Missed shore excursions
  Reimbursement for missed pre-booked activities due to illness
• Lost or delayed formal attire
  Help if key cruise clothing is lost or doesn’t arrive on time
• Emergency evacuation or repatriation
  Medical transport from the ship to hospital, if required
• Cover across multiple countries
  Protection for each leg of your cruise itinerary

Always check the small print to confirm what’s included. Not all policies offer the same features, and some may only provide cruise cover if you select it as an optional add-on.

Things to remember:

Cruise holidays often involve multiple destinations, different health risks, and more formal events than standard land-based trips. It’s essential to:

• Declare that you're taking a cruise when you apply for insurance
• Check whether cruise cover is included as standard or added as an add-on
• Make sure all destinations on your itinerary are included in your area of cover
• Understand any limits or excesses attached to cruise-related claims

Whether you're cruising the Caribbean, exploring the Norwegian fjords, or enjoying a short European sailing, Traveladder can help you compare cruise travel insurance policies that are designed for your trip at sea, so you can relax and enjoy the journey.