Cruise Travel Insurance with No Upper Age Limit (2024)

What is cruise insurance?

Cruise Travel Insurance will provide protection for things that might go wrong on the run-up to your cruise, or while you’re on board.

What does Cruise Travel Insurance cover?

You may need to cancel your cruise because of a medical emergency or the death of a loved one, or you may need emergency medical treatment onboard. Cruise Travel Insurance will cover costs if you need transportation to a hospital on land and treatment in a foreign hospital. There are also additional benefits with some insurers, including cabin confinement and cruise interruption cover, for example, if you need treatment on dry land but are then passed well enough to join your cruise.

Do your cruise policies cover Covid-19?

Most of our policies provide cover against the threat of Coronavirus. This includes cover if you need to cancel your cruise because you test positive in the 14 days leading up to your cruise, or if you test positive and become ill whilst on holiday. If you do become ill with Covid-19 on holiday you will be covered under the emergency medical expense section of your Cruise Travel Insurance policy. If you need to extend your stay in a particular destination or need to quarantine, most insurers will provide cover if deemed medically necessary. Terms and limits apply.

Where can I go with cruise insurance?

Cruises are a great way to see multiple destinations in a short space of time. Whether you’re sailing around the UK, exploring Europe’s gems or discovering the beauty of the Caribbean, you will still need Cruise Travel Insurance. Please note you will need to tell us every country you are travelling to, as the cost of medical treatment varies from country to country.

Do pre-existing medical conditions affect the cost of cruise insurance?

You should declare all pre-existing medical conditions when arranging Travel Insurance for your cruise. The policy will then cover the cost of care for any medical condition you have had in the past or suffer from now. The cost of insurance depends on a number of factors, including your age, destination, trip length and medical history.

How much does cruise insurance cost?

The price you pay for your Cruise Travel Insurance is unique to your own circ*mstances and calculated taking a range of factors into account, including where you are going, for how long and your age and medical history – it will also depend on how much cover you want for things like cancellation and medical cover. For example, if you’re going on a cruise that costs £2,000 each, you will only need £5,000 cancellation cover, but if your cruise costs £25,000, you will want to ensure that it is protected with more cancellation cover. We will compare a range of insurers to find the best deal for your own circ*mstances.

Can you go on a cruise with a heart condition?

It’s important to declare if you’ve ever had a heart condition before you confirm your Cruise Travel Insurance so you’re properly covered when you’re away. Just Travel Cover offers Cruise Travel Insurance for heart conditions, including previous heart attacks, heart failure and heart disease.

Can you get Travel Insurance for cruises with diabetes?

If you’re a diabetic, then we can help you to find Cruise Travel Insurance with cover for diabetes – just follow the medical screening questions online or give us a call, and we’ll guide you through the process.

Can you be insured for a cruise if you are living with cancer?

If you’re living with cancer and your GP has given you the green light to travel, it is important you arrange Cruise Travel Insurance with the right level of cover – just in case there is a problem when you’re away. We know it can sometimes be problematic or expensive to find appropriate cover, which is why we work with specialist insurers to help you find the right Travel Insurance for your cruise – just follow the online medical screening questions or give us a call and we will guide you through the process.

Do mental health conditions affect my ability to get Cruise Travel Insurance?

We will search a range of specialist insurers to help you find a Travel Insurance policy for your cruise if you’re living with mental health conditions, including anxiety and depression. There’s up to £15m cover for medical expenses and having the right Travel Insurance in place will provide the peace of mind that if something unexpected happens when you’re on holiday, you’ve got the right cover.

Is there an age limit for Cruise Travel Insurance?

There is no upper age limit on our policies, although it does depend on where you’re going, your medical history and the length of the trip. We will only ever show you options for insurers that provide cover for your own circ*mstances. Subject to medical screening.

Is cruise insurance with no upper age limit more expensive?

The price you pay for Cruise Travel Insurance is not just related to your age. It is dependent on a range of factors including medical history and the destinations you’re travelling to, as well as how long your cruise is. Each quotation we provide is unique to you, and we will compare prices during the quote process for you.

Will Just Travel Cover compare cruise travel insurance providers on my behalf?

Yes, we work with a panel of specialist providers and will show you all options when you enter your details online. You can choose bronze, silver or gold, depending on the level of cover you need. Alternatively, you can call us and we will compare a range of insurers for you to find the policy that is best suited to your needs.

How can I find the cheapest Cruise Travel insurance?

When searching for cheap cruise insurance, do not compromise on quality. To find the cheapest cruise insurance that meets your budget, compare different policies from various insurers. Look for a balance between the amount of cover and affordability. At Just Travel Cover, we will compare policies for you that meet your unique travel needs. You can choose between bronze, silver, and gold policies to find the right Travel Insurance for a cruise. Travel Insurance with cruise cover can save you a lot of money in the long run, so it is important to choose a policy that provides enough cover.

How do I find cheap cruise insurance for seniors?

If you are a senior seeking budget-friendly Cruise Travel Insurance options, we may be able to help. At Just Travel Cover, we specialise in Travel Insurance with no upper age limit. The majority of our customers are over 55, but we strive to help travellers of all ages. After completing a short medical questionnaire, we will show you policies tailored to you and your travel needs, including bronze, silver and gold options, so you can find a policy that best meets your budget.

Do you need Travel Insurance for a cruise?

Yes, for most cruises, Travel Insurance is mandatory. You may be asked for a copy of your policy before you board and can be refused boarding without it. It is important to secure a Cruise Travel Insurance policy with adequate medical cover and cancellation cover that covers the cost of your trip.

Cruise Travel Insurance with No Upper Age Limit (2024)

FAQs

Cruise Travel Insurance with No Upper Age Limit? ›

At Just Travel Cover, we have policies with no upper age limit on single trips to any destination in the world, and we will only ever show you policies that will provide cover for your age, destination, duration of trip and medical history.

What is the oldest age for travel insurance? ›

Can an over 85-year-old get travel insurance? Yes – if you're aged 85 or older, you can still get travel insurance. However, you may find that it costs more, and there are fewer choices available. This is because insurers view older travellers as being at a higher risk of making claims.

Is there an age limit on travel insurance? ›

Do any age limits apply when purchasing travel insurance? The good news for senior travellers is that, although age limits do apply for policies, some comprehensive, domestic and non-medical plans are available to travellers of all ages.

Can I go on a cruise without travel insurance? ›

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.

What is the difference between travel insurance and cruise insurance? ›

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.

Can I get travel insurance for an 80 year old? ›

Over 80s Travel Insurance is designed to ease the worries and uncertainties you may have when travelling in the later stages of life. This includes specialised medical cover for pre-existing conditions, as well as medical emergencies, ensuring travellers over 80 can enjoy their getaways with peace of mind.

What is the best travel insurance for seniors? ›

Top 9 Best Senior Travel Insurance Companies of 2024
  • Faye: Our top pick for seniors.
  • Travelex: Our pick for families.
  • Berkshire Hathaway Travel Protection: Our pick for luxury travelers.
  • Nationwide Travel Insurance: Our pick for cruise travel.
  • Generali Global Assistance: Our pick for emergency assistance.

Can you get travel insurance for over 75? ›

Yes, at Just Travel Cover, we specialise in helping people of all ages, including over 75s, find Travel Insurance with pre-existing medical conditions cover – even if you've previously had a heart attack and/or heart bypass.

Should seniors buy travel insurance? ›

Since seniors and retirees are more likely to face a medical emergency during a trip, most travel insurance plans for seniors include coverage for emergency medical expenses and emergency medical evacuation. Coverages vary among plans, as do limits, so make sure to compare options before you book a trip overseas.

Is Allianz good travel insurance? ›

We at the MarketWatch Guides team awarded Allianz Travel Insurance 4.1 out of 5 stars based on our provider review methodology. Named our pick for concierge services, Allianz offers 24/7 travel assistance through a multilingual team, which can help policyholders with travel and coverage issues while abroad.

What is the best cruise insurance? ›

Here are our top picks for the best cruise insurance companies:
  • Nationwide Travel Insurance: Luxury Cruise.
  • Faye: Travel Protection Plan.
  • Berkshire Hathaway Travel Protection: WaveCare. ®
  • Travelex Insurance: Travel Basic.
  • AXA Assistance USA: Gold Plan.
  • Trawick International: Safe Travels Voyager.

Does Medicare cover you on a cruise ship? ›

Original Medicare (Parts A & B) may cover medically necessary health care services on a cruise ship, if the ship you're on when you receive the care is in a U.S. port or no more than 6 hours away from one when you get the services. That means the ship can be in the water, but must be within six hours of a U.S. port.

When to buy travel insurance for a cruise? ›

It's the best time to buy cruise insurance – as soon as you make your initial trip deposit, while it's still fresh in your mind.

What insurance do I need for a cruise? ›

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.

Can you buy cruise insurance on your own? ›

Cruise travel insurance covers the cruise itself, not related travel. It's usually purchased through the cruise operator, typically before booking. Check to make sure your credit card doesn't offer similar insurance before buying cruise insurance.

How much should cruise insurance cost? ›

Cruise insurance can cost from 5% to 10% of your total trip cost, though that amount can be influenced by: Your age. How much you're spending on your trip. The length of your cruise.

How late is too late to buy travel insurance? ›

The good news is that you can buy travel insurance at any point–even if you already started your trip. However, you might not get all the coverage you were hoping for. Your coverage options become more and more limited the longer you wait. The price typically stays the same no matter when you buy travel protection.

What is the best insurance for people over 75? ›

Guardian Life Insurance is our top pick for older seniors because it is one of a handful of insurers we've reviewed that issues policies up to age 90.

Can I get life insurance at age 85? ›

Age limits vary among life insurance companies, but for term life insurance, the standard is often around 80 years old. For whole life insurance and final expense insurance, some companies will insure new policyholders up to age 85 to 90 years old.

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