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If your shore excursions are pricey, insure the nonrefundable deposits for the excursions and the cruise. If your excursions are included in the cruise cost, you would simply insure the cruise trip cost. Trip cancellation insurance reimburses you 100% for the pre-paid and non-refundable deposits you lose if you have to cancel for a reason covered by the policy. You can buy cruise insurance from your cruise line, through a travel agent or from a travel insurance agent or company. Additionally, the Travel Guard Preferred plan includes benefits if (under certain conditions) you must start your trip earlier than planned—a feature not found in all policies.
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The information is accurate as of the publish date, but always check the provider’s website for the most current information. Trip cancellation insurance can reimburse you if bad weather at home or at your destination prevents you from taking your trip. A typical cruise refund policy might entitle you to a full refund if you cancel far enough in advance — which might mean 90 days or more before your departure date. If you want to cancel within 14 days of departure, you might not be able to get any refund at all. And if you cancel somewhere in between 14 and 90 days, you might get a partial refund.
Age of Traveler
Cruisers can expect to pay between 5-10% of their insured trip costs on a comprehensive travel insurance plan. Costs and coverage limits can vary significantly from one policy to the next, so it's best to compare plans before making a purchase decision. You can also get reimbursed if your trip is canceled or interrupted because of terrorism (foreign or domestic) or financial default of the travel provider (14-day waiting period applies).
Trip Cancellation Insurance
Below you’ll see examples of cruise insurance costs for the best cruise insurance policies. Seven Corners also offers the option of a preexisting conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies. Your travel insurance can cover any prepaid cruise expenses that are nonrefundable, including food and beverage packages and onboard entertainment.
Cruises
Cruises often give travelers the chance to experience multiple destinations plus enjoy onboard entertainment, activities and dining for a set, all-inclusive price. Cruises simplify budgeting in a year when travel prices have been hard hit by inflation. This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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While some travel insurance companies specify that policies provide coverage even if you’re on a cruise, others may exclude cruises from standard travel plans. For this reason, it’s best to check the terms of your coverage before purchasing a policy. Cruise insurance should provide you with 100% coverage for trip cancellation and at least 100% trip interruption coverage. Your policy should also include baggage loss, trip delay coverage, medical care and emergency evacuations.
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Cruise travel insurance plans bundle together several types of coverage. Here are types of coverage you might care about most when you’re planning a cruise. Our insurance experts reviewed 40 aspects of 37 travel insurance plans to find the best cruise insurance.
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Our comparison engine allows you to easily decipher plan benefits and coverage while choosing the right travel insurance policy for your trip. You can quote, compare and buy in just a few minutes and receive your policy confirmation and documents via email instantly after purchase. A travel insurance policy can protect you from a variety of unexpected circumstances while you're traveling. Because you planned ahead, you probably added your pre-paid, non-refundable excursions to your trip cost when purchasing your travel insurance plan. Well, if the cruise line changes your itinerary after your departure, this can throw a wrench in your plans.
Also, your own health insurance may not cover cruise travel or medical attention onboard a ship. Often, some personal insurance plans do not protect passengers once they have sailed more than six hours from any U.S. port. This may come as a surprise for those who thought they were protected, which is why it can be wise to purchase additional coverage for a cruise.
When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot. At LA Times Compare, our mission is to help our readers reach their financial goals by making smarter choices. Smith comes to the world of finance from a scientific and technical background. She spent more than 10 years writing about engineering, science, and technology for universities and private companies. When she’s not writing or traveling, Smith can usually be found hiking or Nordic skiing. The company has an A+ rating from the Better Business Bureau; A.M. Best ranks it as A+ Superior in the category of companies with a financial size of $2 billion or greater.
Based on quotes we obtained using the seven trip profiles outlined in our methodology, AXA’s average trip cost is $265.50. While you can also add rental car collision protection to the Gold Plan, the Silver Plan is not eligible for any add-on coverages. Based on quotes we obtained using the seven trip profiles outlined in our methodology, Travelex’s average trip cost is $242.
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every cruise insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. See our methodology for more information on how we choose the best cruise insurance plans.
This can include a pre-existing medical condition exclusion waiver or a “cancel for any reason” travel insurance (CFAR) upgrade, depending on the policy. Although you can purchase a policy right up to your departure, there are advantages to buying travel insurance right after booking your trip. One is that you can maximize the length of your trip cancellation coverage. For example, if you buy a travel insurance policy three months before your departure and get seriously injured a week before you leave, you can file a trip cancellation claim. The Atlas Journey Premier policy provides excellent missed connection coverage and medical evacuation benefits.
This means if you have your heart set on visiting a particular place, but it gets cut from the itinerary (a common occurrence due to weather conditions), you would receive some form of compensation. Not all plans include this, and for certain trips with a popular port (like visiting Alexandria, Egypt, to drive to the Pyramids), it may be wise to check if you are covered. With this plan, you'll have coverage for lost, stolen or damaged baggage or travel documents for up to $1,000.
You also receive baggage delay reimbursement for delays of more than 12 hours with a coverage limit of up to $250 per day ($300 maximum). If you miss a connection, you can be reimbursed up to $1,000 for unused prepaid or nonrefundable travel you missed and transportation expenses to rejoin your trip. In our research, AXA's Silver Plan stood out as the top budget plan for its mix of affordable premiums and essential coverage. CNBC Select also named AXA one of the best overall travel insurance providers. For our test trip, World Nomad’s basic plan cost $63, well below average.
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