from £4.02 per month in December 2023^
Our Cruise Travel insurance covers you for:
Cruise Insurance is a type of cover designed to protect you while on a cruise ship.
Specialist Cruise Travel Insurance includes cover for things you would only experience on a cruise. For example, for cabin confinement, cruise interruption, missed excursions or itinerary changes.
Going on a cruise is an exciting adventure full of unique experiences, breathtaking destinations, and unforgettable memories. However, it’s essential to have the right cover to ensure smooth sailing.
Cruise Travel Insurance is a specialised type of insurance designed specifically to cater to the risks and incidents commonly associated with cruise holidays, providing you with peace of mind and comprehensive cover for your trip. Our policies have no upper age limit so you can cruise no matter your age.
You can add cruise cover to our Gold Plus policies or take out Platinum Travel Insurance, which covers cruises as standard.
It’s important to add Cruise Cover to your trip for these distinct risks.
Standard Travel Insurance, without the cruise upgrade will not provide any cover for cruises. You’ll also miss out on cover for itinerary changes, missed ports, unused excursions and other areas of cover you’ll need when going on a cruise. This also applies if you are taking a river cruise.
It is vital that you tell us of all the countries your ship will visit or stop at during your cruise, even if you don’t intend to disembark.
Some cruise lines may need passengers to have Travel Insurance before boarding the ship. You need to confirm the cover for the specific travel dates to prove you have insurance. You can do this by providing a printed or digital copy of your insurance policy documentation. Buying specialist Cruise Travel Insurance lets you avoid the risk of being denied boarding and offers you protection throughout your journey.
AllClear offers multiple types of Cruise Travel Insurance, so you can choose one that’s right for your trip.
Depending on your travel plans you can opt for either European Travel Insurance (you can include or exclude Spain, Balearic Islands, Canary Islands, Turkey, Cyprus and Malta) or Worldwide Travel Insurance (with the option to include or exclude the USA, Canada, and the Caribbean).
Typically, European Travel Insurance is less expensive than worldwide options. However, prices will still vary based on the specific destinations you plan to visit and your health conditions.
“If you’re planning to take a cruise, you may think that standard Travel Insurance will be enough. However, you won’t have protection for your trip without taking out cruise cover. As well as medical cover, Cruise Travel Insurance also includes extra protection for things like cabin confinement or missed excursions.”
Lydia Cripsin Travel Insurance expert
To ensure your cruise is covered, choose our Gold Plus Travel Insurance policy and add Cruise Cover, or choose our Platinum Travel Insurance, which includes it as standard.This will make sure you are covered for events such as cabin confinement, missed port departure, and unused pre-booked excursions.
Make sure you declare all of your pre-existing medical conditions, no matter how small.
Disclosing medical conditions is essential to ensure proper protection for Cruise Travel Insurance. Transparency about your medical conditions ensures that you have the appropriate cover for your cruise and helps avoid any potential complications with your insurance claims. Failure to disclose pre-existing medical conditions or providing inaccurate information can render your policy null and void, potentially resulting in the denial or partial rejection of any claims you submit.
Cruise Cover offers you a broad range of protection to give you peace of mind on your cruise. Here’s a breakdown of what is included:
While Cruise Travel Insurance offers comprehensive cover for a wide range of incidents, there are some situations that are not covered. You are not covered for claims below the value of the excess of your policy, or trips which are outside your chosen region of cover.
Cover does not apply to any claim related to a known event or circumstances that you were aware of at the time you purchased this insurance and/or, prior to the booking of any individual trip.
To make sure you have cover for your cruise holiday, it’s essential to buy Cruise Travel Insurance as soon as possible after booking your cruise. By buying insurance early, you can maximise your cover and protection, giving you peace of mind and the assurance that you’re prepared for any unexpected incidents that may arise during your cruise.
Buying Cruise Travel Insurance immediately after booking your cruise offers several advantages, such as:
Buying your Cruise Cover as soon as possible means that you can focus on unwinding and enjoying your trip, knowing that you’re covered for the unexpected.
The cost of Cruise Travel Insurance depends on a number of factors such as destination, duration, and existing medical conditions.
For example, medical treatment costs in the US, Canada, the Caribbean, China, and Hong Kong generally tend to be higher than in other countries, which may impact the cost of Cruise Cover. The length of the cruise can also affect the insurance premium, with longer cruises typically resulting in higher premiums due to the increased risk of potential incidents or emergencies.
Yes, you can add Cruise Cover to your existing Gold Plus policy after booking your cruise, if you have an Annual Multi-Trip policy. If you wish to add Cruise Travel Insurance cover to a single trip policy you may need to cancel and reissue the policy.
It’s important to note that adding Cruise Cover to your policy after booking your cruise may result in additional costs.
Remember, it’s vital to ensure that your Travel Insurance policy covers all the specific risks associated with going on a cruise, such as cabin confinement, missed port departures, and itinerary changes. So, whether you’re upgrading an existing policy or purchasing a new one, always check the details to ensure you’re adequately covered for your cruise holiday.
When choosing Travel Insurance for a cruise, consider the following factors:
Cruise Travel Insurance is vital for a worry-free and enjoyable cruise holiday. Without if you won’t be covered at any point during a cruise, even for events which are not cruise specific.
As you embark on your cruise adventure, remember to purchase Cruise Travel Insurance as soon as you book your trip, tell us about any pre-existing medical conditions, and review your policy documents carefully.
Set sail with confidence, knowing that you’re protected and prepared for unexpected incidents during your cruise.
Yes. Some cruise operators require you to have a comprehensive Travel Insurance policy in place before you set sail. Even if yours does not, you still need specialist cover when taking a cruise.
Yes, even though you’re not leaving the country, it’s still recommended to get Travel Insurance for a domestic cruise. While you might not need the international medical cover, other aspects of the policy, like cover for trip interruptions, cancellations, or lost luggage, are also vital.
Standard Travel Insurance does not cover cruises; however, you can add Cruise Cover and get extra protection from cabin confinement, missed port departures and itinerary changes if you have a Gold Plus policy. This is included as standard on our Platinum levels of cover.
You are not covered while on a cruise without the Cruise Cover add-on, so make sure it is in place before you depart.
Yes. As long as you have not yet left for your cruise you can buy Cruise Insurance after booking your holiday.
As long as you have told us about your pre-existing medical conditions, we’ll consider claims for related medical emergency costs.
AllClear Cruise Travel Insurance offers compensation if scheduled port visits are cancelled due to adverse weather or timetable restrictions. Please refer to your specific policy wording for details.
Yes, you will still need Cruise Travel Insurance.
The GHIC will ensure you are entitled to the same level of treatment as a citizen of that country. However, it does not cover cancellation or curtailment and may not cover all your medical costs. It also does not cover medical evacuation costs or provide repatriation cover if you need to be returned to the UK. Medical Travel Insurance ensures you have cover when you need it most.
Yes, holiday insurance for cruises covers both land and cruising holidays. If you’re not going on a cruise but are looking for increased cancellation cover, you could choose AllClear Gold Plus or AllClear Platinum, where you can increase cancellation cover up to £25K per person.
Yes, Cruise Insurance can cover pre-existing medical conditions, but you need to make sure to disclose them when purchasing the policy to ensure proper cover.
If you’re planning to enjoy a cruise with your loved ones, you can protect everyone under one policy with either a Family Cruise Cover, or a Group Travel Insurance.
Yes. Due to different costs for medical treatment across the world, we need to know about all the destinations of your cruise holiday.
Medical treatment on a cruise is very expensive compared to most land based trips. As the cost of potential claims is so high, Cruise Cover can be more expensive than Standard Travel Insurance.
Be sure to read our FREE cruise guides, which cover a wide range of topics for both first timers, and veteran cruisers.
What should a first-time cruiser know?
7 tips to help you book the perfect cruise
How far in advance should I book a cruise for the best price?
When to take your passport on a cruise
Written by: Lydia Crispin | Travel Insurance ExpertLast Updated: 7 December 2023
^£4.02 per month for a 50 year old with no medical choosing an AllClear Gold annual multi-trip policy to Europe, including cruise cover. Price is correct as of 01/12/23.
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