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Best Cruise Insurance Plans

Looking for the best cruise travel insurance for us citizens. Compare benefits of top-rated plans and buy the best plan!

American Visitor Insurance offers the best cruise travel insurance plans by top for us citizens insurance providers. These cruise insurance plans are designed specifically for US travellers going on domestic or international cruises. Cruise insurance is particularly important on international cruises, as most domestic US health insurance plans will provide little to no coverage outside US borders. These cruise vacation insurance plans vary in coverage, including trip cancellation, medical emergencies at sea, missed departures, and lost baggage. Most cruise ships have basic medical facilities on-board and any medical evacuation in the event of a medical emergency is extremely expensive.

To help cruisers make informed choices, we provide easy to use filters based on important coverage features. This allows you to quickly find the right cruise insurance plans that suit your itinerary and individual needs. After selecting the best options, you can compare benefits, get instant quotes, and purchase the ideal cruise travel insurance online.

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Which is the best travel insurance for Cruises?

Available plans

Trawick International logo Safe Travels Protect Insurance

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star Rating: AM Best "A" edit_square Underwriter: Starr Indemnity & Liability Company
  • Trip Cancellation: Covers Up to 100% of Trip Cost.
  • Trip Interruption: Covered up to 100% of trip cost.
  • Missed Connection or Cruise Connection : Covered up to $500.
  • Emergency accident and sickness medical expense: Covered up to $25,000.
  • Emergency evacuation: Up to $250,000.
  • Repatriation of remains: Up to $350,000.

  • Trip Cost
    Up to $14,000

  • Maximum Age insured
    Up to age 85

  • Trip Duration
    90 days

  • Coverage type?
    Primary

IMG logo iTravelInsured Choice Insurance

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star Rating: AM best "A" (Excellent) edit_square Underwriter: United States fire insurance company
  • Trip Cancellation: Up to 100% of Trip Cost.
  • Trip Interruption: Up to 100% of trip cost.
  • Missed Connection or Cruise Connection: Covers 100% of your trip cost up to $10,000.
  • Emergency accident and sickness medical expense: Up to $100,000.
  • Medical evacuation and repatriation of remains: Up to $500,000, with the option to enhance coverage up to $1,000,000.
  • Accident and Sickness medical expense: Up to $100,000, with the option to enhance coverage up to $250,000.
  • Optional Cancel for any reason: Up to 75% of trip cost.
  • Optional Interruption for any reason : Up to 75% of trip cost.
  • Sports Equipment Rental : Up to $250 per person.

  • Trip Cost
    Up to $10,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    90 days

  • Coverage type?
    Primary

Seven Corners logo Cruise Travel Insurance

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star Rating: AM best "A" (Excellent) edit_square Underwriter: United States fire insurance company
  • Trip Cancellation: Up to 100% of Trip cost
  • Trip Interruption: Up to 150% of trip cost
  • Trip Inconvenience (Cruise Diversion and Cruise Disablement): $250 each inconvenience up to $500
  • Missed Connection or Cruise Connection: Up to $250 per day up to $1,500.
  • Emergency accident and sickness medical expense: Up to $250,000.
  • Medical evacuation and repatriation of remains: Up to $500,000.
  • Optional Cancel for any reason: Up to 75% of trip cost.
  • Optional Interruption for any reason : Up to 75% of trip cost.

  • Trip Cost
    Up to $30,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    15 days

  • Coverage type?
    Primary

Seven Corners logo Trip Protection Basic Insurance

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star Rating:"A" (Excellent) A.M. Best edit_square Underwriter: United States fire insurance company
  • Trip Cancellation: Up to 100% of Trip Cost.
  • Trip Interruption: Up to 100% of trip cost.
  • Missed Connection or Cruise Connection: $250 per day (3 hours) up to $500.
  • Emergency accident and sickness medical expense: Up to $100,000.
  • Emergency evacuation and repatriation: Up to $250,000.
  • Optional cancel for any reason: Up to 75% of non-refundable trip cost.
  • Optional Interruption for any reason: Up to 75% non-refundable trip cost.
  • Optional sports equipment rental: $2,500 per item up to $5,000.
  • Optional rental car damage: Up to $35,000.

  • Trip Cost
    Up to $30,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    180 days

  • Coverage type?
    Primary

Trawick International logo Safe Travels Explorer Insurance

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star Rating: "A" (Excellent) edit_square Underwriter: Nationwide Mutual Insurance Company
  • Trip Cancellation: Up to 100% of Trip Cost.
  • Trip Interruption: Up to 100% of trip cost.
  • Missed Connection or Cruise Connection :Covered for up to $500.
  • Emergency accident and sickness medical expense: Up to $50,000.
  • Emergency Evacuation and Repatriation: Up to $200,000.
  • Optional Rental Car Damage: Up to $25,000.

  • Trip Cost
    Up to $30,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    30 days

  • Coverage type?
    Secondary

IMG logo iTravelInsured Travel Lite Insurance

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star Rating: AM best "A" (Excellent) edit_square Underwriter: United States fire insurance company
  • Trip Cancellation: Covers Up to 100% of Trip Cost.
  • Trip Interruption: Covered up to 100% of trip cost.
  • Emergency accident and sickness medical expense: Up to $100,000.
  • Emergency Evacuation and Repatriation: up to $500,000.

  • Trip Cost
    Up to $25,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    180 days

  • Coverage type?
    Secondary

Trawick International logo Safe Travels Armor Insurance

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star Rating: AM best "A" (Excellent) edit_square Underwriter: Starr Indemnity & Liability Company
  • Trip Cancellation: Up to 100% of Trip Cost.
  • Trip Interruption: Up to 150% of trip cost.
  • Missed Connection or Cruise Connection : Covered up to $500.
  • Emergency accident and sickness medical expense: Up to $100,000.
  • Emergency Evacuation and Repatriation: Up to $1,000,000.
  • Pre-existing condition exclusion waiver: Included with in 14 days of deposit.
  • Optional Rental Car Damage: Up to $50,000 ($100 deductible).
  • Optional Cancel for any reason: Up to 75% of non-refundable trip cost.

  • Trip Cost
    Up to $100,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    90 days

  • Coverage type?
    Primary

IMG logo iTravelInsured Travel SE

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star Rating: "A" (Excellent) edit_square Underwriter: United States fire insurance company
  • Trip Cancellation: Up to 100% of trip Cost.
  • Trip Interruption: Up to 150% of trip cost.
  • Missed Connection or Cruise Connection: Up to 100% of trip cost.
  • Medical evacuation and repatriation of remains: Up to $500,000.
  • Accident and Sickness medical expense: Up to $250,000.
  • Rental Car Damage or theft coverage: Up to $40,000 per vehicle.
  • Pet Kennel: Covered up to $100 per day with $300 maximum per pet.

  • Trip Cost
    Up to $150,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    180 days

  • Coverage type?
    Primary

Trawick International logoSafe Travels Voyager Insurance

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star Rating: A (Excellent) by AM Best edit_square Underwriter: Nationwide Mutual Insurance Company
  • Trip Cancellation: Up to 100% of Trip Cost.
  • Trip Interruption: Up to 150% of trip cost.
  • Missed Connection or Cruise Connection : Covered up to $1,000.
  • Emergency accident and sickness medical expens : Up to $250,000.
  • Emergency Evacuation and Repatriation: Up to $1,000,000.
  • Pre-existing condition exclusion waiver: Included with in 21 days of deposit.
  • Rental Car Damage: Up to $35,000.
  • Optional Cancel for any reason: Up to 75% of non-refundable trip cost.
  • Optional Interruption for any reason: Up to 50% of non-refundable trip cost.
  • Optional Trip delay: Up to $4,000 maximum; $300 per day or $7,000 maximum; $500 per day.
  • Medical Expense (Primary): Additional $250,000 (trips 1 - 31 days in length).

  • Trip Cost
    Up to $100,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    180 days

  • Coverage type?
    Primary

IMG logo iTravelInsured LX Insurance

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star Rating: "A" (Excellent) edit_square Underwriter: United States fire insurance company
  • Trip Cancellation: Up to 100% of Trip Cost.
  • Trip Interruption: Up to 150% of trip cost.
  • Missed Connection or Cruise Connection: Up to 100% of trip cost.
  • Emergency accident and sickness medical expense: Up to $50,000.
  • Medical evacuation and repatriation of remains: Up to $1,000,000.
  • Pre-existing condition exclusion waiver: Included with in 24 hours of final trip payment.
  • Rental Car Damage or theft coverage: Up to $40,000 per vehicle.
  • Search and Rescue: Up to $50,000 per person.
  • Pet Kennel: Covered up to $100 per day with $500 maximum per pet.
  • Optional cancel for any reason: 75% of non-refundable insured trip cost.
  • Optional Interruption for any reason: 75% of non-refundable insured trip cost.

  • Trip Cost
    Up to $150,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    180 days

  • Coverage type?
    Primary

Seven Corners logo Trip Protection Choice Insurance

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star Rating: "A" (Excellent) by AM Best edit_square Underwriter: United States fire insurance company
  • Trip Cancellation: Up to 100% of Trip Cost.
  • Trip Interruption: Up to 150% of trip cost.
  • Missed Connection or Cruise Connection: $250 per day up to $1,500.
  • Emergency accident and sickness medical expense: Up to $500,000.
  • Medical evacuation and repatriation of remains: Up to $1,000,000.
  • Optional Cancel for any reason: Up to 75% of non-refundable trip cost.
  • Optional Interruption for any reason: up to 75% non-refundable trip cost.
  • Optional sports equipment rental: $2,500 per item up to $5,000.
  • Optional rental car damage: Up to $35,000.

  • Trip Cost
    Up to $100,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    180 days

  • Coverage type?
    Primary

HTH Worldwide logo Trip Protector Preferred Insurance

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star Rating: “A” (Excellent) by A.M. Best edit_square Underwriter: Nationwide Mutual Insurance Company
  • Trip Cancellation: Up to 100% of Trip Cost.
  • Trip Interruption: Up to 200% of trip cost.
  • Missed Connection or Cruise Connection: Up to $1,000.
  • Emergency accident and sickness medical expense: Up to $500,000.
  • Emergency Evacuation: Up to $1,000,000.
  • Optional Cancel for any reason: Up to 75% of non-refundable trip cost.
  • Rental Car Damage: Up to $35,000

  • Trip Cost
    Up to $50,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    180 days

  • Coverage type?
    Primary

Travel Insure logo Travel Insurance Select Elite Insurance

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star Rating: Rating: “A (Excellent)” edit_square Underwriter: Crum & Forster SPC
  • Trip Cancellation: Up to 100% of Trip Cost.
  • Trip Interruption: Up to 150% of trip cost.
  • Missed Connection or Cruise Connection: Up to $1,500.
  • Emergency accident and sickness medical expense: Up to $150,000.
  • Emergency Evacuation and repatriation: Up to $1,000,000.
  • Sports equipment rental: Up to $1,500.
  • Rental car damage: Up to $35,000.
  • Optional Cancel for any reason: Up to 75% of non-refundable trip cost.

  • Trip Cost
    Up to $100,000

  • Maximum Age insured
    Up to age 99

  • Trip Duration
    180 days

  • Coverage type?
    Primary

How much does Cruise travel insurance cost?

How much does cheap cruise insurance cost?

The Cheapest cruise insurance cost ranges from $39 to $1,278 for a 15 days trip. This cruise insurance cost may varies based on travelers age, cruise trip cost, cruise destination and cruise duration.

For example here we are showing cost for 55 year old traveler with 15 days duration of trip.

Plan name Trip cost $1,000 Trip cost $5,000 Trip cost $10,000 Trip cost $20,000
Safe Travels Protect $39 $161 $349 Not Available
Safe Travels Explorer $45 $186 $455 $879
Itravelinsured Lite $53 $267 $569 $1,178
iTravelInsured choice $57 $175 $382 Not Available
Cruise Travel Insurance $88 $275 $520 $1,028

Source: American Visitor Insurance®

How much does Luxury cruise insurance cost?

The Luxury cruise insurance cost ranges from $1,097 to $24,167 for a 15 days trip. This cruise insurance cost may varies based on travlers age, cruise destination, cruise duration.

For example here we are showing cost for 55 year old traveler with 15 days duration of trip

Plan name Trip cost $30,000 Trip cost $50,000 Trip cost $100,000 Trip cost $150,000
Itarvelinsured SE $1,097 $3,177 $6,352 $9,527
Safe Travels Armor $1,445 $2,430 $4,940 Not Available
Safe Travels Voyager $1,728 $2,821 $5,553 Not Available
Travel insurance Select Elite $3,213 $5,355 $10,710 $16,065
ITravelinsured LX $4,835 $8,057 $16,112 $24,167

Source: American Visitor Insurance®

What does Cruise connection insurance cover?

  • Trip Cancellation: This covers the non-refundable costs of prepaid trips should the trip be cancelled for a legitimate reason which can include the following: illness, injury of a family member, death, or natural calamity.
  • Trip Interruption: This insures the cost reimbursement for unused parts of a trip or any additional costs of transportation to go back home or the place the trip is resuming. These reimbursements apply if a trip is started but later interrupted due to a covered reason.
  • Travel Medical Expenses: One of the most used coverage by travelers, this trip insurance covers the travel medical expenses, hospitalization, and sometimes even emergency medical evacuation of a traveler who is sick or injured during travel. This is very important since domestic US health insurance plans have very limited or no coverage outside US borders.
  • Emergency Medical Evacuation and Repatriation: This provides reimbursement for expensive costs associated with transporting a traveler to a proper medical facility if necessary medically. Repatriation coverage includes the cost in the event of death of a traveler.
  • Baggage Loss, Delay or Damage: This includes reimbursement for personal baggage that are lost, damaged or stolen and some policies will take care of essential items needed in the event that the baggage is delayed.
  • Travel Delay: Any additional expenses because of delay in travel, meals, accommodation, or transport that will be covered if due to valid events like inclement weather.
  • Other Potential Coverages: Missed connection coverage, Loss of passport or travel documents, Legal assistance and Personal liability.

Why is Cruise travel insurance important, and how does it differ from standard travel insurance?

Planning a cruise vacation is exciting as it offers the promise of adventure, relaxation, and unforgettable experiences. However, the unique nature of cruise travel being at sea, visiting multiple destinations, and potential exposure to unforeseen events makes it essential to secure comprehensive cruise travel insurance.

Cruise travel insurance is specifically designed to address the distinct risks associated with cruising, such as trip cancellations, medical emergencies at sea, missed port departures, and unexpected itinerary changes. Unlike standard travel insurance, cruise-specific policies often include coverage for shipboard medical services, emergency evacuations from the vessel, and protection against cruise line financial default.

At American Visitor Insurance, we offer a carefully selected range of cruise travel insurance plans from trusted providers. These plans are designed to meet the specific needs of cruise travelers and suit various cruise itineraries.

best cruise travel insurance

Whether you're setting out on a short coastal trip or a longer international cruise, our insurance options help protect your journey and provide peace of mind from unexpected travel issues.

Explore our range of cruise travel insurance options to find the perfect plan that safeguards your investment and well-being throughout your maritime adventure.

What is the difference between Cruise travel insurance and standard travel insurance?

Feature Cruise Travel Insurance Travel Insurance
Coverage Focus Designed specifically for cruise-related risks and scenarios Covers general travel needs like flights, hotels, and tours
Trip Cancellation Covers cancellations specific to cruise issues (e.g., missed embarkation) Covers general cancellations (e.g., illness, weather, or emergencies)
Missed Connections/Ports Includes missed port of call and missed cruise departure coverage May include missed connections, but not cruise-specific ports
Itinerary Change Coverage Often includes compensation for skipped or altered cruise ports Rarely includes itinerary changes
Baggage Coverage Covers lost or delayed baggage during cruise travel Covers baggage loss/delay throughout the trip
Emergency Evacuation Covers evacuation from ship to nearest medical facility Covers evacuation in land-based or air travel emergencies
Pre-existing Conditions Waiver Often available if purchased within a specific time after booking Also available, depending on the timing of the policy purchase
Cancel for Any Reason (CFAR) Usually offered as an optional upgrade Also available as an upgrade, with similar conditions
Best Suited For Travelers going on domestic or international cruise vacations Travelers on general land-based or air travel vacations

What does Cruise travel insurance cover?

Cruise travel insurance typically provides coverage for a wide range of unexpected events that can occur before or during your cruise. Common benefits include:

  • Trip Cancellation: Reimburses non-refundable expenses if you need to cancel due to covered reasons like illness, injury, or severe weather.
  • Trip Interruption: Covers unused portions of your trip or additional transportation if you have to cut your cruise short.
  • Emergency Medical Expenses: Pays for medical treatment if you become ill or injured while on your cruise, including on board care and visits to foreign medical facilities.
  • Medical Evacuation: Covers emergency transportation if you need to be evacuated from the ship to the nearest hospital.
  • Missed Connection or Cruise connection: Helps with expenses if you miss your cruise departure due to delays in your travel plans.
  • Lost or Delayed Baggage: Reimburses for lost, stolen, or delayed luggage and personal belongings.
  • Travel Delay: Covers additional expenses for meals, lodging, or transportation due to significant delays.
  • Trip Inconvenience: Covers Cruise diversion and Cruise Disablement

Which is the best Cruise insurance for seniors?

  • ITravelinsured Travel LX from IMG is the best cruise travel insurance for seniors, offers trip cost up to $150,000
  • Coverage up to 99 years and Maximum trip length is 180 days.
  • Cancelling your cruise covered up to 100% of the cost of your trip.
  • Offers coverage for emergency accident and sickness medical expenses up to $500,000.
  • Pre-Existing Condition Exclusion Waiver is covered if purchased within 24 hours of the final trip payment.
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Cruise travel insurance - Frequently asked questions

1. How do I choose the best cruise insurance plan for my trip?

The best cruise insurance plan depends on your travel needs, age, destination, and medical history. Compare plans from top-rated providers on American Visitor Insurance to find the most suitable coverage.

2. Does cruise insurance cover trip cancellations or interruptions?

Yes, most cruise insurance plans include trip cancellation and interruption coverage, reimbursing you for non-refundable costs if your trip is cut short or cancelled for a covered reason.

3. What medical coverage is included in cruise insurance?

Cruise insurance often covers emergency medical treatment on board and at ports of call, including evacuation and hospital expenses

4. Are pre-existing conditions covered by cruise insurance plans?

Some cruise insurance plans offer coverage for pre-existing medical conditions if the policy is purchased within a specified time frame after the initial trip deposit.

5. Can seniors buy cruise insurance?

Yes, there are cruise insurance plans like Cruise Travel Insurance, ITravelinsured LX and Safe Travels Voyager insurance plans specifically for senior travelers, with coverage options suitable for their health and travel needs.

6. Can seniors buy cruise insurance?

Yes, there are cruise insurance plans like Cruise Travel Insurance, ITravelinsured LX and Safe Travels Voyager insurance plans specifically for senior travelers, with coverage options suitable for their health and travel needs.

7. When Is the Best Time to Buy Trip Insurance for a Cruise?

The ideal time to purchase trip insurance for a cruise is right after you make your initial trip deposit or booking. Buying early ensures you’re eligible for valuable time-sensitive benefits, such as coverage for pre-existing medical conditions and the option to add "Cancel for Any Reason" (CFAR) coverage. Delaying your purchase may limit your coverage options and leave you unprotected against unexpected issues that arise before departure.

8. How soon should I buy cruise insurance after booking a trip?

It's recommended to buy cruise insurance shortly after booking your trip to make sure you qualify for important time-sensitive benefits. These can include coverage for pre-existing medical conditions and optional upgrades like "Cancel for Any Reason" (CFAR) coverage, which are only available within a limited window after your initial trip payment.

9. Are missed port departures covered under cruise insurance?

Yes, some cruise insurance plans offer missed port of call or missed connection benefits, reimbursing you for additional expenses incurred to re join the cruise.

10.Is It possible to cancel a cruise at the last minute?

Yes, you can cancel your cruise at the last minute, but whether you receive a refund depends on the cruise line’s cancellation policy and the type of travel insurance you have. Most standard policies offer trip cancellation coverage only for specific reasons (such as illness or family emergencies). However, if you’ve purchased a “Cancel for Any Reason” (CFAR) upgrade, you may be eligible for partial reimbursement even if the cancellation doesn't fall under a covered reason. Keep in mind, CFAR must usually be purchased within a set time frame after your initial trip deposit.

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