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World Nomads is one of the few insurance companies that will cover more than 200 adventure activities on your travels, including scuba diving, skydiving and bungee jumping. The coverage for the long list of activities includes emergency medical expenses while outside the U.S., medical evacuation and repatriation, along with trip interruption. Whether you’re taking a cruise domestically or internationally, one way of giving yourself peace of mind while out on the open water is by having the best cruise travel insurance. Such a policy can help pay for unexpected events, from trip cancellations to emergency medical expenses and everything in between.
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Canceling for reasons that aren’t listed in the policy isn’t covered, unless you have already purchased a CFAR upgrade. This typically reimburses you 75% of trip costs, as long as you cancel at least 48 hours before your departure. This will reimburse you for unused trip costs if your trip is cut short because of illness, injury, death, a family emergency back home or other reasons. Trip interruption insurance can also pay for the extra expenses of a trip interruption, such as a one-way plane ticket home on short notice.
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Regardless of your policy, AIG Travel Guard provides 24/7 customer assistance. The company has an AM Best rating of A, which means that it has an excellent ability to pay out claims and meet its financial obligations. The Travel Guard Essential plan doesn’t include travel inconvenience protection or CFAR, both of which the Preferred and Deluxe plans provide. For example, if any injury or health issue is alcohol-related, it may not be covered. You might also want to know if natural disasters like a hurricane, terrorist incidents or bankruptcy by the cruise line are also covered. Since medical treatment on a ship may be more expensive, and evacuation at sea may require a helicopter or small boat, having emergency coverage can be essential.
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This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. Following extensive research scouring the fine print, we've selected five of the best cruise insurance plans that will appeal to a variety of seagoing travelers. Insurance pricing is dependent on the trip cost and the age of the insured travelers. Sandberg estimates that "travelers in their 30s or 40s can ballpark insurance coverage somewhere around 5% to 7% of the trip costs, with rates that can get lower depending on the extent of coverage."
What To Look for in a Cruise Travel Insurance Policy
The traveler was 35 years old, from Georgia, and planned to spend $2,500 total on the whole trip, including airfare. Of course, there's much more than just this list that cruise insurance can cover. A traveler may need to appear in court for jury duty before a cruise. Flights to the port city could be canceled because of smoke from a wildfire.
Best cruise insurance plans of 2024

Some premium credit cards offer valuable travel protections comparable to what you might get from a standard travel insurance plan. One benefit that cruise travel insurance policies offer that credit cards don't is the ability to cancel for any reason. Although you may not get back 100% of the cruise price, these policies allow you to cancel for any reason and get a portion of the price back as a credit toward a future trip. If the policy is priced low enough, it may be worth buying the insurance offered through your cruise line for that benefit alone. Cruisers can expect to pay between 5-10% of their insured trip costs on a comprehensive travel insurance plan.
How to choose the best cruise travel insurance
Trawick’s Safe Travels First Class policy provides solid benefits at a great average cost, including high medical evacuation limits and good missed connection coverage. TravelSafe’s Classic plan provides the highest limits for missed connection and evacuation benefits among top-rated plans. It also has very good trip interruption and hurricane and weather coverage at a competitive price. Nationwide’s Cruise Luxury plan provides an array of extensive benefits at a decent price, including superior missed connection coverage and emergency and non-medical evacuation benefits. Cruise travel insurance policies often cover trip interruptions as well.
Say it's Jim's father, not Jim, who gets sick, forcing Jim to cancel his cruise. That's because her policy protects her if something happens to her travel companion and he's forced to cancel -- but not if he cancels because something happened to a member of his family not traveling. Those reasons and so many others are why cruisers seek insurance coverage -- and why we recommend it. More importantly, it prevents you from losing money due to unforeseen circumstances and travel emergencies, and insurance fees are typically just a small percentage of your vacation expenditure. As of July 2021, some cruise lines will not allow travelers to join their cruise if they miss the initial embarkation at the departure port. This is due to the health screening and other processes that are performed there, and are not able to be made up down the line.
This coverage reimburses you for up to 75% of your prepaid, nonrefundable trip expenses when you change your travel plans after departure for a reason your policy normally wouldn’t cover. Adding IFAR to your policy can increase the cost of your travel insurance by 3% to 10%. If you’re concerned about COVID-19 derailing your cruise travel plans, getting cruise travel insurance with COVID-19 coverage is essential. The battleface Discovery Plan covers COVID-19 cancellation and medical expenses, along with regular trip cancellation, medical evacuation, and medical emergency coverage. Seven Corners' RoundTrip Choice Plan offers primary medical coverage for emergency accident and sickness medical expenses up to $500,000, while many other plans only offer secondary coverage. The plan's medical evacuation coverage is high at $1 million, and preexisting conditions are covered with a few conditions that apply, namely that you purchase the policy within 20 days of your initial trip payment.
A pre-existing medical conditions exclusion waiver allows your emergency medical expense coverage to pay for treatment related to conditions you’ve been treated for in the months leading up to your trip. Trip cancellation insurance reimburses you for 100% of your prepaid, nonrefundable trip expenses when you decide not to travel for a reason your policy covers. It typically includes things like the death of a family member, illness or injury and natural disasters, to name a few. You just need to be sure to pay for travel insurance within the booking window of whichever travel purchase comes first.
Travel Insured Worldwide Trip Protector travel insurance offers $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. Some insurance companies provide additional coverage for those participating in extreme sports or other high-risk activities on their vacation. This type of policy can apply to scuba diving, rock climbing or even wind surfing.
Centers for Disease Control and Prevention issues a recommendation that you don't cruise due to an illness outbreak, as it did during the COVID-19 pandemic. For our test trip, World Nomad’s basic plan cost $63, well below average. But the actual trip cost isn’t taken into consideration for trip cancellation and interruption coverage.