Cruise Travel Insurance | Travelex Insurance (2024)

FAQs

Do I need extra travel insurance for a cruise? ›

Cruise cover is a mandatory add-on for travel Insurance that protects against travel risks unique to going on a cruise. These can include becoming unwell at sea or added complications if luggage is lost or stolen. With cruise cover, you pay an extra premium for extra protection in case of such events.

How much travel medical insurance do you need? Squaremouth, a travel insurance comparison site, recommends buying at least $50,000 in emergency medical coverage for international travel. For travelers going on a cruise or to a remote destination, the site recommends at least $100,000 in coverage.

Every plan is different, but the coverage amounts and benefits may vary. Determine how much you really need. For example, SquareMouth recommends international travelers get around $50,000 in Emergency Medical coverage and $100,000 for cruises or travel to remote areas.

Depending on the plan, it covers delays, cancellations, emergency medical and more while you're on a cruise or traveling to and from your cruise. Some cruise insurance plans even offer cancel-for-any-reason coverage, which provides the ultimate flexibility when your plans change.

While specific cruise travel insurance isn't a legal requirement, most cruise companies ask that you have a comprehensive travel insurance policy. It's a good idea to check what your cruise company expects your cover to include before you set sail.

Travel insurance can be useful, but it's not always necessary. The key to knowing if you need travel insurance is figuring out your specific risks for any given vacation, then deciding if you can buy coverage that adequately protects you from any financial losses and pitfalls that might occur.

Reasonably foreseeable events. Known storms, epidemics, acts of war. Travel restrictions imposed by government authorities. Pre-existing conditions, unless the Premium plan is bought within the window for coverage.

The short answer: Yes. According to Medicare.gov, health care you get while traveling outside the U.S. isn't covered.

If all conditions are met, most of the policies will reimburse you 50% to 75% of your trip costs, unless otherwise noted.

A travel insurance policy typically costs between 4 and 10% of the overall price of your trip. The cost can vary: Plans with higher limits and more optional coverage cost more. A plan with a CFAR benefit can cost up to 40% more.

Is Allianz travel insurance good? ›

Allianz Travel can be a solid choice if you're looking to purchase travel insurance. However, it's always a wise idea to compare multiple options to ensure you're getting a good deal. For instance, AXA Assistance USA travel insurance is also a good provider.

A policy maximum is the highest amount that the insurance company will pay for eligible expenses. Policy maximums can typically range between $10,000 and $8 million, but will vary from plan to plan.

Buying 50 Days Before Departure

Buying cruise insurance at this time also takes the “panic” factor out of your purchase. There'll be lots to think about right before you leave. Buying 50 days out means you won't be worrying about “what-if” scenarios right up to departure date.

Most cruise insurance plans may cover medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage when you're on a cruise. Cruise insurance can also cover cruise-ship disablement and pre-existing conditions, depending on when you buy coverage.

What type of travel insurance do I need for the Caribbean? You need a worldwide travel insurance policy.

Standard travel insurance is generally meant for a land-based holiday and as such, won't cover many of the elements of a cruise holiday. A cruise holiday requires more specialist cover, for example if there was a need to be medically evacuated at sea.

Insurance offered by the Cruise operator will, in most cases, have fewer reasons when compared to travel insurance provided by a travel insurance provider. This means that travel insurance purchased from a travel insurance provider will offer you more protection when compared to cruise insurance policies.

Does my health insurance cover me on a cruise? One of the main reasons to buy cruise insurance is for medical emergencies. Note that, once you're on a cruise ship or visiting a destination outside the United States, your own U.S. health insurance plan will not apply.