Travel Insurance For Cruising – A Few Pointers.

We all know how important it is to have adequate travel insurance in place, not only for when we go on holiday, but also from the time of booking as this can cover monies paid in the unfortunate event of cancellation. I did wonder how many people book standard travel insurance when going on a cruise, as opposed to specific cruise insurance.  With that in mind I thought I’d share a few pointers which may shed a little light on the subject.

Cruise insurance is different from standard travel insurance. Cruise insurance is a specific travel insurance policy that covers the specific activities and risks associated with a cruise holiday. For example, cruise insurance may cover you for missed port departures, itinerary changes or increased cancellation cover whereas a normal travel policy possibly wouldn’t.

Although people who take cruises can be of all types and ages, there is a tendency for cruise-lovers to be slightly older than the average holiday-goer. Most standard holiday insurance premiums will shoot up when the applicant is over a certain age (usually 65), and some older applicants may be refused cover by some insurers. Medical issues and treatment are also a big consideration. This is because there may be limited medical supplies on board and you may have to be flown to the nearest hospital which could be quite a distance or in a different country. An air ambulance, for example, can cost tens of thousands of pounds, it is for situations such as this that a specialist cruise insurance policy may save your bacon (and bank account!).

Specialist cruise insurance generally has no age limit, and most medical conditions will be considered. This means cruise insurance may offer more flexibility for those holiday-goers who still want to get the full cruise experience.

Some cruises, especially world voyages or world cruise sectors can sometimes last months, and most single trip travel insurance will only cover you for a holiday lasting between 30 and 60 days. Annual travel insurance policies often have a maximum duration for an individual trip – generally around 56 days, so always check the single trip duration cover.

Even if you already have a travel insurance policy in place – with cruise holidays you may need to take out a specialist policy to make sure you’re properly covered. It’s possible that your standard travel insurance could offer cruise insurance as a bolt-on, so be sure to check if you already have a policy in place.

The features of each cruise insurance policy will vary by provider. Some of the key factors you might want to consider when comparing cruise insurance include:

Gadget cover – see what level of cover you get for gadgets and check your mobile phone, camera or other gadgets will be included.

Travel delay – if you’re delayed, you could claim a set amount for the inconvenience.

Missed port – if a scheduled port visit is cancelled, you could claim.

Cabin confinement – if the ship’s medical officer confines you to your cabin for medical reasons, you could claim reimbursement.

Missed departure – if you miss departure, this will allow you to claim.

Unused excursion – if you can’t use a pre-planned excursion, you might be covered.

Activities – make sure any planned activities will be covered by your policy.

In fact, just 56 per cent of single trip cover and 59 per cent of annual policies include cover for a cruise trip as standard, and if you do get it wrong and end up having to claim you could be left severely out of pocket.

So, if you weren’t aware there was such a thing as cruise travel insurance it may be worth looking into before your next cruise. It may seem like another thing to pay for but believe me, given some of the tales of woe I’ve heard working in this industry it’s very important!


Bye for now.

8 Comments on “Travel Insurance For Cruising – A Few Pointers.

  1. Can you give me some recommendations for websites for cheap insurance for a person with a pre existing medical condition. TIA

  2. With the annual cost of insurance for seniors we have found the insurance higher than the deposit. This means we can delay taking it out but ensure that it is before the final payment is due.

  3. Wish we had heard of this insurance before we booked for november will certainly try before our next holiday

  4. I had worldwide cover inc cruise with
    Stay sure when I renewed I declared a prolapse so had £200 + extra to pay 6 months later notified them to say I had had an opp and no longer had a prolapse but was told it would still stay on the policy for 2 years after having had it repaired. So if I stayed with them for two years would be paying £500 extra for no reason
    Just to forewarn people.

  5. I’ve cruised for around sixteen years now, and remember that a ‘normal insurance policy’ was always sufficient to cover your cruise holiday. If I recall correctly, you had to enter the type of holiday that you were embarking upon, ie. Cruise, Activity, Skiing etc., and tell them what countries you were visiting, but answering that you were cruising didn’t alter the cost of the premium.
    However, a number of years ago that all changed, and if you now say that you are going on a cruise the price aoutomatically increases.
    From what I can see, it looks like just another way for the insurance companies to screw you for yet more extra cash, and even then many of them will look for any loophole possible to refuse to pay out a claim. This I can personally vouch for. When my wife suffered a brain aneurysm whilst in the middle of the Baltic Sea and had to be taken to Helsinki (where we spent 5 weeks), when it came time to come home I was informed that the insurance company were not going to pay for our repatriation and were rejecting our claim. When asked how we were supposed to get home the insurers said that they would not leave us high and dry, and to call a telephone number supplied. On calling this number I was told this would be a private transaction and that it was going to cost £8,000 just to get home, but that the insurance claim would not be paid. The Helsinki Hospital were kind enough to do the final operation there and kept my wife a further week until she was just about fit enough to travel with me on a acheduled flight, which cost just £180.
    Apologies for the rant, but how many times do you hear of insurance companies finding a way out of paying up when a legitimate claim is made, yet they always seem to find a way of increasing the premiums without increasing their risk.

  6. I found insurance companies will try and get out of anything they can we `were insured and had to cancel because of heart condition but because the doctors could not give a posative diagnosis that day we did not get a shilling

  7. Why did they decline to pay to get you home. Were they paying for the Hospital or anything else.? Did you have cover for this or did they say it was pre existing? Make sure you put reviews with details of why they declined etc on various web sites

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Hi there, Having recently reached the landmark age of 40 (which of course we all know is the new 30), and having just packed my son off to school for the first time this week, I was thinking to myself at which point did I become so sensible, responsible and…

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