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Our simple quote process helps you choose the right coverage by comparing top plans from trusted providers. And if you need help, our licensed insurance agents can assist you before, during, and after your trip. The information you need to buy travel insurance includes the trip cost being insured, your age, your destination, length of trip and age.
Best Travel Insurance Companies Of April 2024
Unfortunately, in the past few years, cruise lines have been in the spotlight for situations that often end the cruise early, cause travelers to become sick or leave them stranded in the middle of the ocean. If there is a fire or mechanical breakdown, the Shipboard Disruption benefit can provide a one-time payment of the amount stated in your plan, to compensate you for the inconvenience. However, it will not provide the same amount of coverage available from traditional travel insurance. InsureMyTrip recommends that cruisers compare coverage with a travel insurance comparison website before choosing a plan offered by their cruise line.
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Buying cruise insurance within the first two weeks or so of making your first trip deposit also qualifies you for additional coverage. This can include a pre-existing medical condition exclusion waiver or a “cancel for any reason” travel insurance (CFAR) upgrade, depending on the policy. The Atlas Journey Premier policy provides excellent missed connection coverage and medical evacuation benefits.
Average Trip Cost for Popular Destinations
Seven Corners’ Trip Protection Choice plan has great upgrade options and benefits across the board to cruise goers, including unrivaled medical coverage limits and very good missed connection benefits. Travel insurance is important for travelers who need a solution to protect themselves from unexpected situations that could affect their travel plans, trip investment and health when traveling. In the last few years, travel insurance has become one of the most popular insurance products available, as it is extremely cost-effective.
Trip interruption and travel delays
As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage. The price will vary depending on factors like your age, your travel destination, and whether you require additional coverage. Nationwide Travel Insurance is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates. Travel Guard’s Deluxe Plan includes our highest benefit limits for our offered coverages. Traveling seniors may find travel medical expense and emergency evacuation coverage to be the most reassuring when taking a cruise.
What does a cruise travel insurance plan cover?
This can especially come in handy if you are in a remote location and need emergency transportation for medical care. We like the Atlas Journey Premier plan for its wide choice of add-ons. These add-ons provide extra coverage for pets traveling with you, adventure sports, destination weddings, hunting and fishing equipment and more. We also like that this plan has a low average cost compared to competitors. If a ship isn’t near the United States at the time of an emergency, a sick traveler may need to seek medical treatment in a foreign country.
Best cruise insurance options
This optional upgrade can increase the cost of your policy by 40% to 90%. It gives you increased flexibility with your travel plans, but only up to a point. You’ll need to cancel your trip at least 48 hours before your scheduled departure to file a successful CFAR claim. You can buy travel insurance through a cruise line, but experts warn this may be a mistake. The coverage provided may not be as comprehensive as travel insurance you can buy separately from a third-party provider, such as those in our best cruise travel insurance rating.
As important as knowing how you will be protected, it is also paramount to know what is not included. The use of this website means that you accept the confidentiality regulations and the conditions of service. Coverage options on the plan may vary slightly depending on which U.S. state you claim as your residence. Cancel For Any Reason and pre-existing conditions waivers available.
If you want the freedom to cancel a trip no matter what, opt for a “cancel for any reason” upgrade. You generally have to buy it within the first few weeks of making your first deposit. Similarly, you can also buy an “interruption for any reason” upgrade that allows you to cut a trip short and return home for any reason. Here is our top advice on key considerations for choosing the best travel insurance policy. Select two or more plans using the 'add to compare' function to compare plans side-by-side in a clear and helpful format.
Nationwide’s Cruise Luxury policy offers the highest maximum coverage for delayed baggage among the plans that were our top picks. These policies offer the highest level of medical coverage among the plans that we judged to be the best. Generali’s Premium policy stood out in our analysis for its generous window for pre-existing condition coverage. Travelers with pre-existing conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit. Competitors often have a deadline of 10 to 20 days after making your first trip deposit.
We searched for quotes from several companies for a seven-day trip in February 2023 from the U.S. to Mexico. The traveler was 35 years old, from Georgia, and planned to spend $2,500 total on the whole trip, including airfare. After our analysis, we've determined these are some of the best cruise insurance options available. We are home to over 100,000 honest customer ratings and reviews from real travelers to help you find the right plan. Required coverage for certain travelers as part of the Schengen Visa Application.
Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. IFAR is an optional upgrade that only some travel insurance plans offer. 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%.
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