The 5 best cruise travel insurance plans

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While smooth sailing will always be the aim, cruising today is often about expecting the unexpected. You can prepare yourself by taking out an insurance policy that can compensate you when your vacation at sea does not go as planned.

Need to cancel your trip last minute due to an accident or illness? Did your bags get delayed or lost? Do you need to exit the sailing early to take care of an emergency back home? Was there a mechanical issue with the ship that required a change of itinerary, causing you to miss your flight home?

For cruise news, reviews and tips, sign up for TPG's cruise newsletter .

All of these contingencies and more can be covered; it's just a matter of finding the best insurance policy for you. Here's how to evaluate which plan is the right choice for you, as well as five of the best cruise travel insurance plans available.

The best cruise travel insurance plan will always be a 3rd-party option

international cruise and covid travel insurance

No plan will meet the needs of all cruise travelers, so there is little benefit to booking the one insurance option recommended by your cruise line during the booking process other than convenience.

You'll often find more affordable rates, comprehensive coverage and favorable terms utilizing third-party insurance companies. You'll have a wide choice of plans, so you can pick the one that works the best for your situation.

If you're wondering where the best place is to purchase third-party insurance, "No one comparison site is getting preferential deals," says Stan Sandberg, co-founder of TravelInsurance.com . "Insurance carriers' rates are the same anywhere." However, these insurance comparison sites can help you directly compare the pricing and coverage of multiple policies by a range of preferred providers.

Look for the following coverage options and compare coverage amounts to determine which third-party plan is the best cruise insurance option for your upcoming trip.

Related: Cruise travel insurance: What it covers and why you need it

Trip cancellation

You'll want to be reimbursed if an unexpected event forces you to cancel your cruise. Be sure to read the fine print of your policy, detailing which specific reasons for canceling your trip are covered and not covered.

Trip interruption and travel delays

You'll also want to be covered if issues occur after travel begins. It's important to find "a plan that offers trip interruption if something does happen during your trip, along with a plan that offers emergency medical evacuation, coverage for travel delays and missed connection benefits," adds insurance expert Meghan Walch from InsureMyTrip .

Related: What happens if you miss your cruise

COVID-19 contingencies

Walch advises all travelers booking a cruise to consider a plan that includes cancellation coverage for COVID-19. Note that you'll need more than a home test to file a claim. According to Walch, "You'll need a doctor saying that you have been diagnosed with COVID and specify that you are unable to travel."

In addition, look for coverage if you get sick and need to isolate away from home. "Some plans offer additional trip delay coverage, put in place as a result of needing additional or higher limits for instances that might include if the policyholder gets quarantined in a location," Sandberg adds.

Cancel for any reason

A cancel-for-any-reason optional upgrade offers the most flexibility. You can get a refund of up to 75% if you cancel your voyage for reasons not usually covered by travel insurance. However, it adds about 40% to your premium and can only be purchased within a limited window of time after your cruise purchase.

Related: What happens if my cruise line changes my itinerary or ship?

Lost or delayed baggage

Baggage loss insurance covers your luggage if it is lost, damaged or stolen during your trip. In the case that you make it on the cruise and your bags do not, the insurance agency can assist with locating and redirecting the bags to your next port, reimbursing you for items you may need to purchase to get you through your travels while you are without your belongings and covering your losses in the case that the bag is actually gone for good.

Note that certain high-cost items such as electronics, luxury watches and fine jewelry are not always covered by baggage loss insurance. Consider purchasing additional coverage for such items or — better yet — keep those items with you at all times.

Health coverage

Medical coverage is another consideration. "Most domestic health coverage [including Medicare] does not cover travel abroad, so it is important to look at a travel insurance policy that offers medical coverage during your trip, just in case anything happens," says Walch. "If you fall ill or are injured during the trip, it can be pretty expensive – even when going to the ship's onboard medical facility."

Related: How to avoid getting sick on a cruise

Hurricane coverage

Extreme weather and hurricanes are typically not covered if the cruise commences as scheduled, though you might be eligible for trip interruption coverage if weather cancels the cruise or cuts the itinerary short. There are also insurance plans that offer trip reimbursement if a destination on your itinerary is under a National Oceanic and Atmospheric Administration-issued hurricane alert or warning.

How much will cruise travel insurance cost?

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."

Insurance is a tiered product that gets more expensive as you age. "As you get older, that range can expand to 10% of trip costs," notes Sandberg. "Adding bells and whistles, like 'cancel for any reason' [coverage], rates can rise to 11% to 12% of the cost of your trip."

Related: How cruising newbies waste money on their 1st cruise

5 best cruise travel insurance plans

international cruise and covid travel insurance

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.

All five plans provide coverage for COVID-19-related trip cancellation and interruption.

For the leisure cruiser: TravelSafe Classic Plan

TravelSafe's Classic Plan is the best value all-around for the average cruiser, with superior coverage limits at a fair rate.

This plan's coverage includes an impressive $1 million per person for medical evacuation and a high $2,500 coverage limit for bag loss. You have extra time – 21 days – from your initial deposit to add a cancel-for-any-reason upgrade to your plan. The accident and sickness medical coverage is primary, with coverage up to $100,000.

The policy's $750-maximum trip delay coverage begins after a six-hour delay and includes kennel fees for up to $100 per day, along with coverage for additional meal and accommodation expenses.

For the budget conscious: AXA's Silver Plan

AXA's Silver Plan is the company's entry-level offering, with more value added than most budget insurance options — most notably the company's concierge service. Coverage under this plan includes robust trip cancellation and interruption coverage, both at 100% of the costs, along with $100,000 for emergency medical evacuation.

The plan also offers identity theft assistance in case your wallet or passport gets stolen while traveling, assisting with filing and obtaining police and credit reports, taking inventory of lost or stolen items, and even wiring emergency funds to you when you're really in a bind.

You won't have the option to purchase a cancel-for-any-reason add-on or opt in for a collision damage waiver on this lowest-tier plan.

For the luxury cruise traveler: John Hancock's Gold Plan

John Hancock's Gold Plan offers robust medical evacuation and repatriation coverage up to $1 million per person, ideal for those luxury cruises that rove to the farthest reaches of the globe. The plan has excellent baggage loss coverage at up to $2,500 per person, along with a low three-hour minimum travel delay ($1,000 per person, $200 daily limit) benefit.

Preexisting medical conditions are covered by this policy, though you must purchase your policy within 14 days of your trip deposit.

For increased medical coverage: Seven Corners' RoundTrip Choice Plan

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.

The policy also offers detailed, robust COVID-19 coverage, including reimbursement for medical care if you contract COVID-19 while traveling. Its coverage also includes meals, local transportation and lodging if you're delayed six or more consecutive hours due to quarantining with COVID-19.

Coverage options on the plan may vary slightly depending on which U.S. state you claim as your residence.

For the adventurous cruiser: World Nomads' Explorer Plan

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.

World Nomads' Explorer Plan also offers $25,000 in coverage for nonmedical emergency evacuation for covered events, such as a natural disaster or political or security situations.

Travelers 70 and older are required to add a "Silver Nomads" policy, offered through TripAssure.

Bottom line

Cruising isn't always a blissful week spent relaxing on the pool deck or snorkeling among multicolored reefs. Mishaps occur, whether it's losing luggage, missing a flight or falling ill.

The best cruise insurance policies are the ones that won't let you sail without a safety net, charging a fraction of your trip expenses in exchange for the peace of mind that there's a plan in place should something go wrong. With a range of pricing and coverage options available, you can feel confident that you can find a policy to suit your travel needs.

Planning a cruise? Start with these stories:

  • The 5 most desirable cabin locations on any cruise ship
  • A beginners guide to picking a cruise line
  • The 8 worst cabin locations on any cruise ship
  • The ultimate guide to what to pack for a cruise
  • A quick guide to the most popular cruise lines
  • 21 tips and tricks that will make your cruise go smoothly
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  • The ultimate guide to choosing a cruise ship cabin

June 1, 2020

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The 5 Best International Travel Insurance Companies for 2024

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Allianz Travel Insurance »

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AIG Travel Guard »

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Generali Global Assistance »

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Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best International Travel Insurance Companies.

Table of Contents

  • Allianz Travel Insurance
  • AIG Travel Guard

With demand for international travel still on the rise, buying travel insurance makes more sense now than ever before. Having an international travel policy in place will ensure you won't lose the money you spent if your trip is canceled or interrupted for reasons beyond your control – or if your bags are delayed or lost entirely by your airline or cruise line .

Other protective benefits come from the best international travel insurance policies as well, including travel medical coverage for unexpected medical expenses and emergency medical evacuation. You may even find that the destination you plan to visit requires travel insurance, although most countries have dropped travel insurance requirements they initially put in place due to the pandemic.

U.S. News editors compared more than 20 of the top providers to find the best travel insurance companies for trips around the world. If you're hoping to secure the best international travel policy for your needs this year, the policies outlined below provide a solid foundation for you to start your research.

Frequently Asked Questions

While many countries began mandating travel insurance for visitors during the COVID-19 pandemic, most have loosened entry requirements and dropped this condition by now. Countries that still require international visitors to have travel insurance include the following:

  • Antarctica: Travel medical insurance is generally required by cruise lines and tour operators for trips to Antarctica , with a standard minimum of $100,000 in emergency medical and evacuation coverage.
  • Ecuador: You do not need travel insurance to visit the country of Ecuador, but you do need insurance with medical coverage to visit the Galápagos Islands .
  • Qatar: Travelers visiting Qatar for more than 30 days are required to have a travel insurance policy that is approved by the country's Ministry of Public Health.
  • Saudi Arabia: Visitors to Saudi Arabia from eligible countries must pay for an eVisa, and the cost includes compulsory travel insurance coverage.

International travel insurance works the same as travel insurance for domestic trips. These plans include various coverage options and coverage limits, and a deductible may or may not apply. Travelers can choose to purchase international travel insurance for a single trip or multiple trips; long-term plans for expats and missionaries are available from some providers.

While travel insurance policies can include a broad range of coverages, the main protections you'll want for international trips include the following:

  • Trip cancellation and interruption coverage: This type of protection can reimburse you for prepaid travel expenses when a trip is canceled or interrupted for a covered reason beyond your control.
  • Baggage delay insurance: This coverage can pay for incidental expenses that occur when your bags are delayed for a specific period of time (usually six hours or longer).
  • Lost luggage coverage: This protection can replace your luggage and your belongings or reimburse you for costs if your bags are lost by a common carrier.
  • Rental car insurance: This type of insurance may provide primary coverage when you rent an eligible rental car.
  • Emergency medical and dental coverage: This type of insurance will pay for emergency medical treatment or dental expenses that may arise during your trip.
  • Emergency evacuation coverage: This protection can pay for emergency transportation costs when you're sick or injured during your trip.

Also note that many travelers booking an international trip choose to purchase travel insurance that offers cancel for any reason protection, so they can cancel a trip for any reason at all, even if they just decide they don't want to go. That said, adding CFAR coverage to your policy will make your travel insurance plan more expensive. Most plans also have limits on how much of your prepaid travel expenses can be refunded, which are usually capped between 60% to 80% of your trip costs.

While coverages offered through international travel insurance plans tend to be broad, keep in mind that this type of insurance won't cover every situation that could arise. Some common issues that are not covered by international travel insurance plans include:

  • Acts of war
  • Claims due to air or water pollution
  • Claims due to natural disasters
  • Epidemics not specifically included in coverage
  • Extreme, high-risk sports
  • Government regulations or proclamations
  • Nuclear radiation and contamination
  • Terrorist events
  • Travel bulletins or alerts

Many travel credit cards offer international travel insurance benefits, but you should know that these coverages have some limitations. For example, travel insurance plans from credit cards never provide meaningful amounts of coverage for medical emergencies or dental emergencies. You also have to pay for each trip with your travel credit card for coverage to apply.

The best international health insurance plan depends on factors like the length of your trip, where you're traveling and how much coverage you need. While you can take the time to get quotes from several different companies, websites like TravelInsurance.com and Squaremouth make it easy to compare coverage details, limits and pricing among several providers all in one place.

The cost of international travel insurance varies and can depend on your age, the length of your trip, your total trip cost and other factors. Consider getting multiple travel insurance quotes through TravelInsurance.com to get an idea of the cost of coverage for your upcoming travel plans.

  • Allianz Travel Insurance: Best Overall
  • AIG Travel Guard: Best for the Cost
  • Generali Global Assistance: Best for Medical
  • World Nomads Travel Insurance: Best for Active Travelers
  • GeoBlue: Best for Expats

Buy coverage for single trips or multiple trips at once

Annual plans available

Lower coverage amounts for emergency medical expenses than some other plans

  • Trip cancellation coverage up to $100,000
  • Trip interruption coverage up to $150,000
  • Emergency medical coverage up to $50,000
  • Emergency medical transportation coverage up to $500,000
  • Trip change protector coverage worth up to $500
  • Baggage loss and damage coverage up to $1,000
  • Baggage delay coverage up to $300 (12-hour delay required)
  • Travel delay coverage up to $800 ($200 per day)

Add-on coverage available for lodging expenses, preexisting medical conditions and rental cars

Optional CFAR coverage available with some plans

Coverage limits for its lowest-tier Essential plan may be insufficient for some trips

Add-on coverage for preexisting conditions must be purchased within 15 days of the initial trip payment

  • Trip cancellation coverage worth up to 100% of the trip cost
  • Trip interruption coverage worth up to 100% of the trip cost
  • Baggage coverage worth up to $750
  • Up to $200 in coverage for baggage delays
  • Travel medical expense coverage worth up to $15,000
  • Up to $150,000 in coverage for emergency medical evacuation

Choose medical coverage limits based on your needs

Generous limits for emergency medical expenses and medical evacuation across all plans

CFAR coverage must be purchased within 24 hours of initial trip deposit and is only available with Premium plan

Rental car coverage only included in top-tier Premium plan

  • Trip cancellation coverage up to 100% of the trip cost
  • Trip interruption coverage up to 175% of the trip cost
  • Travel delay coverage up to $1,000 per traveler ($300 daily limit)
  • Up to $2,000 per person in baggage protection
  • Up to $2,000 in coverage for sporting equipment
  • Up to $500 per person for baggage delays
  • Up to $500 per person for sporting equipment delays
  • Up to $1,000 per person in protection for missed connections
  • Up to $250,000 per person in coverage for emergency medical and dental procedures
  • Up to $1 million in coverage for emergency assistance and transportation
  • Up to $25,000 per person in rental car coverage
  • Up to $100,000 per plan in accidental death and dismemberment coverage

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Coverage limits within standard plans may be insufficient

No coverage for most preexisting conditions

  • Up to $10,000 in coverage for trip cancellation
  • Up to $100,000 in coverage for emergency medical expenses
  • Up to $500,000 in protection for emergency medical evacuation
  • Up to $3,000 in protection for damage or theft to your bags or gear

Purchase international travel medical insurance for individual trips, multiple trips or long-term travel

Coverage is mostly for emergency medical expenses abroad

Some plans require a primary U.S. health insurance plan

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has covered travel and travel insurance for more than a decade. Johnson has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

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Best Cruise Travel Insurance | Money

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.

To help you choose a suitable plan, here’s a lowdown on the cruise travel insurance companies, complete with the packages they offer.

Our Top Picks for Best Cruise Travel Insurance

  • Berkshire Hathaway — Best for Cruise-Specific Coverage
  • AXA Assistance USA — Best for Affordable Premiums
  • TravelSafe Insurance — Best for Senior Passengers
  • AIG Travel Guard — Best for Preexisting Conditions
  • Seven Corners Travel Insurance — Best for High Coverage Limits

Best Cruise Travel Insurance Reviews

*This sample is based on a 45-year-old traveling to Portugal on a $10,000 trip. Exact costs will depend on your age, destination, trip duration, the policy of choice and preexisting medical conditions, among other factors.

  • Cruise delay coverage
  • Option to choose LuxuryCare for increased coverage
  • Coverage for cruise ship disablement is only $500
  • No emergency dental coverage

Why we chose it: While Berkshire Hathaway has a wide range of travel insurance plans, its WaveCare Travel Protection is specifically for cruisers. It comes with up to 150% reimbursement coverage for trip interruption and $750,000 for emergency evacuation.

WaveCare Travel Protection is Berkshire Hathaway’s comprehensive travel insurance for a cruise. For covered reasons, the policy offers:

  • Reimbursement up to 150% of the trip cost for trip interruption
  • Reimbursement of 100% for trip cancellation
  • $750,000 for emergency evacuation
  • $75,000 for medical expenses
  • $1,500 for lost or stolen baggage, personal items and documents
  • $200 for baggage delay
  • $500 if your cruise ship is disabled
  • $1,000 if your cruise is delayed for five hours or more

Berkshire Hathaway offers add-on options to boost your basic coverage, such asa cancel-for-any-reason (CFAR) add-on that compensates you if you cancel your cruise trip for any reason other than those listed on your policy. Some common reasons include if you or your travel companion:

  • Sustain injuries from a road accident
  • Have a death in the family
  • Receive a jury summons

Other add-ons that Berkshire Hathaway includes are a preexisting medical condition exclusion waiver, accidental death or dismemberment and car rental collision coverage. The latter may be necessary if you intend to use a rental car to and from the port.

If you’re planning a high-value cruise trip and would like more coverage, Berkshire Hathaway also offers LuxuryCare, a more expensive policy for luxury travelers. It’s not cruise-specific, but it provides similar coverage to WaveCare with the added benefit of concierge service and $100,000 in medical insurance coverage. You also get $1 million in coverage for medical evacuation.

Both policies come with 24/7 assistance and the ability to file claims using Berkshire Hathaway’s website or mobile app. It has an AM Best rating of A++, meaning that it has a superior ability to meet its claims and financial obligations.

*This sample is based on a 45-year-old traveling to Portugal on a $10,000 trip. Exact cost will depend on your age, destination, trip duration, the policy of choice and preexisting medical conditions, among other factors.

  • Three plans to choose from
  • All plans include concierge services
  • Generous coverage for lost and delayed baggage
  • Silver plan not eligible for any add-ons

Why we chose it: AXA Assistance’s Silver Plan is the most affordable policy on this list — based on the sample traveler — yet its coverage is competitive.

AXA Assistance USA offers three travel insurance plans, each with its own level of protection, with the Silver Plan being the most affordable of the options. Based on the sample above, the Silver Plan costs 2.83% of the total trip expenditures, which is much lower than the industry standard (usually between 4 to 10%). Keep in mind that your exact premium may be higher depending on your age and trip cost, among other factors. Nonetheless, you can expect your cruise insurance cost to be within the market average, if not lower.

The Silver plan provides:

  • 100% reimbursement of trip cost for trip interruption
  • 100% reimbursement of trip cost for trip cancellation
  • $100,000 for emergency medical evacuation
  • $25,000 for medical expenses
  • $750 for lost baggage or personal effects
  • $200 for delayed baggage

The other two plans — Gold and Platinum — cost more but offer more protection. They both include 150% coverage for trip interruption, 100% for trip cancellation and a preexisting conditions exclusion waiver.

The Platinum plan is superior in all other aspects, offering $1 million for emergency medical evacuation, $250,000 for medical expenses, $3,000 for lost or stolen baggage and $600 for baggage delay. The Gold plan comes with $500,000 for emergency medical evacuation, $100,000 for medical expenses, $1,500 for lost or stolen baggage and $300 for delayed baggage.

AXA Assistance currently has two add-ons. The first is CFAR, which provides reimbursement for 75% of the trip cost but is only available with the Platinum plan. The second add-on is collision damage waiver for rental cars, which is available with both the Platinum and Gold plans.

All plans include 24/7 concierge services and worldwide assistance. The company has an A+ AM Best rating, which means that it has a superior ability to pay for claims and meet its financial obligations.

*This sample is based on a 45-year-old traveling to Portugal on a $10,000 trip. Exact costs will depend on your age, destination, trip duration, policy of choice and preexisting medical conditions, among other factors.

  • Accident and sickness cover suitable for seniors
  • 21-day period for adding CFAR is more than the industry standard
  • Classic plan includes itinerary change coverage
  • Comes with cruise-specific protection like missed connection
  • Trip delay coverage takes six hours to kick in
  • CFAR add-on is not available with the Basic plan

Why we chose it: TravelSafe Insurance includes emergency accident, sickness and medical expense coverage in both of its plans, making them ideal for an older traveler who may need medical reassurance while on a cruise.

TravelSafe Insurance offers two coverage packages: the Basic Plan and the Classic Plan. The Classic plan includes:

  • 100% for trip cancellation (up to $100,000)
  • 150% for trip interruption
  • $2,500 for a missed trip connection
  • $150 per day (up to $2,000) for trip delay
  • $100,000 for accident and sickness medical expenses
  • $1 million for emergency medical evacuation
  • $25,000 for nonmedical evacuation
  • $25,000 for death and dismemberment
  • $2,500 for lost or stolen baggage
  • $250 for baggage delays

The Basic package is less expensive because it comes with less protection. Under this plan, TravelSafe offers:

  • 100% for trip cancellation (up to $10,000)
  • 100% for trip interruption
  • $500 for a missed trip connection
  • $100 per day (up to $1,000) for trip delay
  • $35,000 for accident and sickness medical expenses
  • $500 for lost baggage
  • $100 for baggage delay

The Basic plan doesn’t include nonmedical evacuation, death and dismemberment coverage or coverage for itinerary changes.

TravelSafe provides optional add-ons, such as an extended personal protection package, additional death and dismemberment coverage and rental car damage. If you buy the Classic plan, you may also add CFAR, which gives you up to 75% protection if you cancel your cruise trip for any reason. This will only be valid if you buy the CFAR add-on within 21 days of making the first deposit for your trip.

TravelSafe offers 24/7 emergency assistance on both of its plans. It has an AM Best rating of A, which means that the company has an excellent ability to pay its claims and meet its financial obligations.

  • All plans are eligible for a preexisting conditions waiver
  • Multiple add-ons available for policy customization
  • All plans provide comprehensive coverage
  • You must buy the Preferred or Deluxe plan to get CFAR add-on
  • Lower-tier plans have low coverage amounts

Why we chose it: All three AIG Travel Guard plans come with an option for preexisting condition waiver, so you can choose a budget plan but still be covered for an identified preexisting condition.

Travel Guard by AIG has three plan options: Essential, Preferred and Deluxe. The Deluxe Plan is the costliest but offers the most coverage, including:

  • 150% coverage for trip interruption
  • 100% coverage for trip cancellation
  • $100,000 for medical expenses
  • $500 for baggage delay

The Preferred plan includes:

  • $500,000 for emergency medical evacuation
  • $50,000 for medical expenses
  • $1,000 for lost or stolen baggage
  • $300 for baggage delay.

The Travel Guard Essential plan, which is meant for the budget traveler, is the most affordable and includes:

  • 100% coverage for trip interruption
  • $150,000 for emergency medical evacuation
  • $15,000 for medical expenses
  • $750 for lost or stolen baggage

The Travel Guard Essential plan doesn’t include travel inconvenience protection or CFAR, both of which the Preferred and Deluxe plans provide.

Travel Guard has other add-ons that are only available with the Preferred and Deluxe plans such as coverage for lodging expenses, trip exchange, security evacuation and trip saver.

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.

  • Highest coverage for cruise travel
  • You may get coverage for event tickets
  • Basic and Choice plans are more expensive than other companies

Why we chose it: Seven Corners’ Choice Plan offers a high coverage limit of $1 million for emergency evacuation and $500,000 for medical protection. Combined, these amounts exceed the coverage you’ll get from any other company we reviewed.

Seven Corners Insurance has two tiers of travel insurance for cruise trips: the RoundTrip Basic and the RoundTrip Choice. The latter has the highest coverage limit, topping out at $1 million for emergency evacuation and $500,000 primary coverage for emergency medical and sickness expenses. You also get up to 150% compensation for trip interruption, 100% for trip cancellation, $2,500 for lost baggage and $100 for baggage delay.

RoundTrip Basic comes with:

  • 100% for trip cancellation
  • $100,000 secondary medical coverage
  • $250,000 emergency medical evacuation
  • $500 for lost or stolen baggage
  • $100 for delayed baggage

Both of these plans include up to 75% optional CFAR coverage, 75% optional trip interruption-for-any-reason (IFAR) coverage, missed tour or cruise connection compensation and emergency dental protection.

The main difference between the two plans is that RoundTrip Basic doesn’t have certain benefits like the preexisting medical conditions waiver and death and dismemberment coverage. RoundTrip Choice has both as well as other unique advantages that are not available in other policies, including frequent traveler rewards, a pet kennel and event ticket coverage.

With both plans you get 24/7 travel assistance. The company is rated A from AM Best, which means that it has an excellent ability to pay out claims and meet its financial obligations.

Other cruise travel insurance we considered

  • Up to 150% compensation for trip interruption
  • Covers itinerary changes
  • Basic plans have low coverage limits
  • CFAR is only available on the Luxury plan

Nationwide has three cruise travel insurance plans: the Universal Cruise plan, Choice Cruise plan and Luxury Cruise plan. The latter is geared toward travelers who prefer luxurious travel, the Choice Cruise is Nationwide’s mid-level policy that’s meant to provide just enough coverage at average market rates, and the Universal Cruise plan makes sense if you’re working with a shoestring budget.

Nationwide didn’t make the cut because CFAR is only available if you choose the Luxury plan, meaning that you will need to purchase the most expensive plan to include this add-on to your travel insurance for a cruise. Also, the medical coverage you get is secondary to your existing health insurance policy, and dental coverage is limited to $750 for all three plans.

World Nomads Travel Insurance

  • Covers over 200 cruise-oriented activities
  • You can extend your insurance coverage mid-trip
  • Coverage period of up to 180 days
  • Seniors must choose Silver Nomads policy
  • Cancellation and interruption protections are capped at specific dollar amounts instead of a percentage of the total trip cost

World Nomads offers cruise insurance policies geared toward adventurous travelers. It provides coverage for over 200 activities, including skydiving, scuba diving and bungee jumping. The company allows you to buy coverage for up to 180 days, and you can extend your policy mid-trip.

World Nomads Travel Insurance didn’t make the cut because the company pushes its Explorer policy more than the Standard policy, which makes it more suitable for adventure travel rather than general cruising. World Nomads caps trip cancellation and interruption protection at dollar amounts — $10,000 and $2,500 for Explorer and Standard policies, respectively — rather than as a percentage of your total trip cost, which is the industry standard. Also, if you are a senior traveler of 70 years or more, you must include the Silver Nomads add-on to your policy, which may push your cost of cruise insurance upward unnecessarily.

John Hancock Travel Insurance

  • Travel delay compensation kicks in after only three hours of delay
  • High baggage protection of up to $2,500
  • Hurricane and weather protection available
  • Costlier than most other cruise insurance policies
  • Baggage delay compensation kicks in after a 12-hour wait
  • Low tier plans provide minimal coverage

John Hancock has three different travel insurance plans: the Silver, Bronze and Gold plans. Silver is the most basic plan, Bronze is mid-level for the traveler with an average budget while Gold is for the luxury cruiser. The Gold plan covers preexisting medical conditions if you buy the policy within 14 days of making a deposit for your trip, but the other two don’t have this option.

John Hancock didn’t make the cut because of its high premiums, especially if you choose its Gold plan. For the same type of coverage, you can get a cheaper policy from another company if you compare different cruise insurance options.

Cruise Travel Insurance Guide

What is cruise travel insurance.

Cruise travel insurance is a type of insurance that protects you while you are on a cruise. It typically covers unexpected events such as trip cancellations or interruptions, medical emergencies, lost or delayed luggage and ship disablement.

Although some of the best travel insurance companies may offer general travel plans that cover cruises, some companies also sell specific policies for these kinds of trips.

How does cruise travel insurance work?

As with most types of insurance, policyholders pay a premium to the insurance company in exchange for coverage. Policyholders can file a claim to receive compensation for related expenses if an unexpected event occurs.

Cruise travel insurance policies can reimburse you for the cost of canceling a cruise trip. Some common cancellation reasons that you will find in a typical policy include:

  • The death of a family member, business partner or travel companion
  • If you, your family member, business partner or travel companion falls ill
  • If you or your travel companion are forced to quarantine or are summoned for jury duty
  • If you or your travel companion’s home is rendered uninhabitable by a natural disaster, fire or another event beyond your control
  • If you or your travel companion are involved in a road accident just before you start the cruise
  • If an unannounced strike causes the cruise company you booked to halt operations

Cruise travel insurance policies often cover trip interruptions as well. For example, the policy may cover your expenses if the ship breaks down and you have to fly home mid-voyage.

Beyond cancellation and interruption, many policies often cover the medical expenses you may incur while on the ship. These may include the cost of treatment and, if necessary, evacuation to a medical facility or back home.

Types of cruise travel insurance coverages

Emergency medical evacuation coverage.

This coverage helps you pay for evacuation expenses if you have a medical emergency while on a cruise ship if the ship’s medical providers can’t treat you. The coverage will reimburse for the cost of transportation to the nearest medical facility or your home.

Trip interruption coverage

This coverage reimburses your prepaid, unused, nonrefundable expenses in case you must cut your cruise trip short due to an unexpected event, such as illness, death, injury or a family emergency back home.

The coverage typically includes a last-minute return ticket home or to your desired destination. Keep in mind that the policy must state the reason for an interruption for this coverage to be valid. In most cases, your typical cruise travel insurance won’t cover things like parasailing excursions, scuba diving, cancellations due to foreseeable events, such as CDC and NOAA warnings or the death or illness of a pet.

Trip cancellation coverage

Trip cancellation coverage reimburses the prepaid and nonrefundable deposits that you would lose in case you must cancel your cruise trip for a reason covered by the policy. These reasons range from death and illness to jury duty summons and family emergencies.

Cancel for any reason coverage

Typically offered as an add-on, CFAR coverage reimburses a percentage of your trip cost — usually 75% — for any reason, including those not listed on your policy. Many insurance companies often have a time window where you can cancel a trip for any reason. For example, your policy may allow you to cancel at least 48 hours before your set departure date.

Coverage for preexisting medical conditions

Coverage for preexisting medical conditions in cruise travel insurance refers to the extent that an insurance policy covers medical expenses related to a medical condition that the insured had prior to purchasing the policy. To qualify for the coverage, travelers must meet certain requirements such as purchasing the policy within a limited period after paying your first deposit for the trip and purchasing travel insurance for 100% of the trip cost, among others.

Coverage can vary depending on the specific policy and insurer, with some policies excluding coverage entirely for specific conditions or offering limited coverage or waiting periods. It is important to disclose preexisting conditions when purchasing the policy and carefully review the policy’s coverage for such conditions and the aforementioned exclusions or waiting periods.

How much is travel insurance for a cruise?

The cost of cruise insurance varies depending on several factors, including your age, destination, length of cruise, trip cost and the time left before your departure date. Different insurance providers will also have their own underwriting criteria, which leads to varying prices for a single trip.

That said, cruise insurance will typically cost anywhere between 4% and 12% of the total trip cost. Using these percentages, for a $10,000 trip, you should consider budgeting between $400 and $1,200 for travel insurance costs.

How to choose the best cruise travel insurance

Determine if your trip needs to be insured.

Travel insurance is mandatory in some countries and optional in others. Countries that require you to have travel insurance include : Algeria, Antarctica, Argentina, Aruba, Cuba, Ecuador, Fiji, Georgia, Lebanon, Iran, Israel, Jamaica, Jordan, Moldova, Morocco, Nepal, Qatar, Romania, Rwanda, Schengen countries, Seychelles, Singapore, Togo, Turkey and the UAE. That said, even if you’re not legally required to have it, travel insurance may still be beneficial for your protection and peace of mind.

Compare policies

Compare travel insurance policies from various providers to see which one fits your needs and budget. Several cruise insurance comparison travel booking sites may help, including SquareMouth, Insubuy and Aardy.

Get multiple quotes

After you compare travel insurance companies, narrow down your options to policies that provide the amount of coverage you’re looking for. Get online quotes from the company websites and compare the different packages they offer. Make sure to always read the fine print. because that’s where you’ll discover what a policy does and doesn’t cover.

Cruise Travel Insurance FAQ

Does travel insurance cover covid-19, what does cruise travel insurance cover, when to buy travel insurance for a cruise, how we chose the best cruise travel insurance.

We selected the best cruise travel insurance companies based on these criteria:

  • The policy options available for cruisers
  • The cost of premiums for coverage
  • The coverage types the company offers
  • Whether the company offered preexisting conditions add-ons
  • The percentage of reimbursement for trip cancellation and interruption
  • AM Best ratings of the companies

Summary of Money’s Best Cruise Travel Insurance

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

Best-Cruise-Travel-Insurance

  • Travel Insurance
  • Best Travel Insurance Companies

11 Best Travel Insurance Companies Of March 2024

Michelle Megna

Reviewed By

Updated: Feb 15, 2024, 12:49pm

Whether you’re traveling to another continent or to another state, travel insurance can mitigate the amount of money you can lose if unforeseen events disrupt your trip. For example, the best travel insurance policies can compensate you if you have to suddenly cancel your trip, experience delays or have to return home early due to an emergency.

Why you can trust Forbes Advisor

Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate insurance companies, so all companies are measured equally. You can read more about our editorial guidelines and the methodology for the ratings below.

  • 39 travel insurance policies evaluated
  • 1,482 coverage details analyzed
  • 102 years of insurance experience on the editorial team

Considering Travel Insurance?

Via Forbes Advisor's Website

  • Cheapest Travel Insurance Plans
  • Best Senior Travel Insurance
  • Best Covid-19 Travel Insurance Plans
  • Best Annual Travel Insurance
  • Best Travel Medical Insurance

The Best Travel Insurance Companies

Summary: best travel insurance ratings, what does travel insurance cover, what’s not covered by travel insurance, how much does travel insurance cost, what affects travel insurance costs, how to get travel insurance, do i need travel insurance, how to choose the best travel insurance policy, top travel destinations in march 2024, where are people headed this month.

  • List of January 2024 Top Travel Destinations

Travel Insurance Outlook for 2024

Methodology, best travel insurance companies frequently asked questions (faqs), compare travel insurance quotes, compare & buy travel insurance.

  • Travel Insured International – Best for Non-Medical Evacuation
  • WorldTrips (Atlas Journey Premier and Atlas Journey Preferred) – Great for Add-On Coverage
  • Nationwide (Cruise Luxury) – Best for Upgrades
  • TravelSafe – Best for Missed Connections
  • AIG – Best for Customization
  • AXA Assistance USA – Best for Baggage
  • Generali Global Assistance – Great for Pre-Existing Medical Condition Coverage
  • HTH Worldwide – Best for Trip Interruption
  • Nationwide (Cruise Choice) – Great for Cruise Itinerary Change/Inconvenience
  • Seven Corners – Best for Medical/Evacuation
  • Travelex Insurance Services – Best for Families

BEST FOR NON-MEDICAL EVACUATION

Travel insured international.

Travel Insured International

Top-scoring plan

Worldwide Trip Protector

Missed Connection benefits per person

Medical & evacuation limits per person

$100,000/$1 million

If lower medical expense coverage limits suffice, Travel Insured’s Worldwide Trip Protector plan offers robust benefits at a competitive price and provides superior non-medical evacuation coverage.

More: Travel Insured International Travel Insurance Review

  • “Cancel for any reason” and “interruption for any reason” upgrades available.
  • Top-notch non-medical evacuation benefits of $150,000 per person.
  • Good travel delay and baggage delay benefits kick in after just a 3-hour delay.
  • Medical coverage of $100,000 per person is on the low side compared to top competitors but might be enough for your needs.
  • Missed connection benefits of $500 are low compared to other top-rated competitors and for cruise and tours only.

GREAT FOR ADD-ON COVERAGE

WorldTrips

Atlas Journey Premier

Missed connection limits per person

$150,000/$1 million

The Atlas Journey Premier plan offers trip cancellation and trip interruption upgrades. Other available upgrades include extra coverage for pets traveling with you, adventure sports, destination weddings, hunting and fishing equipment and more.

The Atlas Journey Premier plan also has very good travel delay and missed connection benefits, and a low average cost compared to competitors.

Another option is the Atlas Journey Preferred plan, but this policy doesn’t offer the “interruption for any reason” upgrade and has lower travel medical benefits of $100,000 per person. Still, it hits all the marks for great benefits at a low price. It also offers lots of choices for add-on coverage.

More: WorldTrips Travel Insurance Review

  • “Cancel for any reason” and “interruption for any reason” upgrades available with the Premier policy.
  • Very good travel delay benefits of $2,000 per person after only 5 hours.
  • Very good missed connection coverage of $2,000 per person after 3 hours.
  • Medical coverage level is low compared to some competitors evaluated.
  • Baggage delay benefits have a 12-hour waiting period.

BEST FOR UPGRADES

Nationwide

Cruise Luxury

Missed connection benefits per person

Nationwide’s Cruise Luxury plan includes great missed connection benefits and non-medical evacuation coverage, and offers cancellation and interruption upgrades.

More: Nationwide Travel Insurance Review

  • Includes $25,000 in non-medical evacuation benefits.
  • Good travel delay benefits of $1,000.
  • Medical coverage is lower than most other top-rated plans but might be sufficient for your needs.
  • 24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 12-hour delay requirement.

BEST FOR MISSED CONNECTIONS

TravelSafe

Classic Plan

While its medical expenses coverage is low compared to other top plans, TravelSafe’s Classic plan has high limits for most other coverages, including superior missed connection benefits.

More: TravelSafe Travel Insurance Review

  • “Cancel for any reason” upgrade available.
  • Superior missed connection limits of $2,500, and baggage loss coverage limits of $2,500.
  • Great travel delay limits of $2,000 per person, after a 6-hour delay.
  • $100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs.
  • Baggage delay coverage is a little skimpy at $250 per person after a 12-hour delay.

BEST FOR CUSTOMIZATION

AIG

Travel Guard Deluxe

Missed connections benefits per person

Optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades allow you to customize this AIG policy to your needs. Additionally, the Travel Guard Deluxe plan includes benefits if, under certain conditions, you must start your trip earlier than planned—a feature not found in all policies.

The Travel Guard Preferred plan also earned 4 stars in our analysis, and comes with a lower price, but also with lower coverage amounts. It provides $50,000 for medical expenses and $500,000 for medical evacuation benefits.

More: AIG Travel Insurance Review

  • Offers upgrades to meet the needs and budgets of many different kinds of travelers.
  • Includes $100,000 for security evacuation and superior medical evacuation coverage of $1 million.
  • Provides up to $750 for “travel inconveniences,” such as flight delay to your return destination, runway delays and cruise diversions.
  • Has good travel delay coverage of $1,000, with a short waiting period of 5 hours.
  • The Travel Guard Deluxe policy has robust coverage across the board but also a high average cost compared to other top-rated policies.
  • Medical expense coverage of $100,000 is on the low side, but might be adequate for your needs.

BEST FOR BAGGAGE

Axa assistance usa.

AXA Assistance USA

Platinum Plan

$250,000/$1 million

AXA’s Platinum plan hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including excellent baggage and non-medical evacuation benefits.

More: AXA Assistance USA Travel Insurance Review

  • Generous medical and evacuation limits, with $100,000 in non-medical evacuation—among the highest for plans we evaluated.
  • Top-notch baggage loss coverage of $3,000 per person.
  • Coverage for lost ski days, lost golf rounds and sports equipment rental.
  • Travel delay and baggage coverage kicks in only after a 12-hour delay.
  • The average cost for the Platinum plan is only so-so compared to other top-rated plans, although you do get robust coverage for the money.

GREAT FOR PRE-EXISTING MEDICAL CONDITION COVERAGE

Generali global assistance.

Generali Global Assistance

Missed connection benefits

Generali’s Premium policy provides very good benefits at a decent average price. It has excellent trip interruption insurance and superior medical evacuation benefits. 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.

More: Generali Global Assistance Travel Insurance Review

  • You can qualify for coverage of pre-existing medical conditions if you buy the policy prior to or within 24 hours of making your final trip payment, as opposed to a deadline of 10 to 20 days after making your first trip deposit , which is typical from top competitors.
  • Excellent trip interruption coverage of up to 175% of your trip costs.
  • Very good baggage loss coverage at $2,000 per person.
  • If you want “cancel for any reason” coverage you must buy it within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors.
  • Baggage delay benefits kick in only after a 12-hour delay.

BEST FOR TRIP INTERRUPTION

Hth worldwide.

HTH Worldwide

TripProtector Preferred Plan

$500,000/$1 million

HTH’s TripProtector Preferred provides luxury-level benefits and superior trip interruption benefits.

More: HTH Worldwide Travel Insurance Review

  • Top-notch coverage limits for medical expenses and evacuation.
  • Excellent trip interruption coverage of 200% of the trip cost.
  • Very good travel delay coverage of $2,000 per person after a 6-hour delay.
  • Higher average price compared to most companies we evaluated, but you’re getting robust benefits.
  • Baggage delay coverage requires a 12-hour delay.

GREAT FOR CRUISE ITINERARY CHANGE/INCONVENIENCE

Cruise Choice

$100,000/$500,000

While $100,000 in medical expense coverage is on the low side, Nationwide’s Cruise Choice plan includes non-medical evacuation coverage and offers a trip interruption upgrade. It also provides compensation if you miss activities because your cruise ship changes its itinerary, and for the inconvenience of delays to the next port of call.

  • “Interruption for any reason” upgrade available.
  • Provides benefits if you miss out on a prepaid activity or event because your cruise ship changes its itinerary.
  • Provides benefits if your cruise ship has a fire or mechanical breakdown that delays arrival at the next port of call for two or more hours.
  • “Cancel for any reason” upgrade not available.

BEST FOR MEDICAL/EVACUATION COVERAGE

Seven corners.

Seven Corners

Trip Protection Choice

Seven Corners’ Trip Protection Choice plan has superior medical and evacuation benefits and provides great upgrade options and benefits across the board.

More: Seven Corners Travel Insurance Review

  • Superior coverage limits for medical expenses and medical evacuation.
  • “Cancel for any reason” and “interruption for any reason” upgrade available.
  • Very good travel delay coverage of $2,000 per person.
  • Includes $20,000 for non-medical evacuation
  • Hurricane and weather coverage has a 48-hour delay, compared to some competitors that require only 12-hour delays.
  • Average cost is only so-so compared to other top-rated policies we evaluated.

BEST FOR FAMILIES

Travelex insurance services.

Travelex Insurance Services

Travel Select

$50,000/$500,000

Travelex Insurance Services’ Travel Select plan is a solid choice at a competitive price, especially for families, although coverage limits are lower than those of top competitors.

More: Travelex Travel Insurance Review

  • Includes free coverage for children age 17 and under (when accompanied by an adult covered by the policy).
  • Very good travel delay coverage of $2,000 per person after a 5-hour delay.
  • Medical coverage of $50,000 per person is on the low side.
  • Baggage delay coverage requires a 12-hour delay and has a low $200 per person limit.
  • Missed connection benefits are lower than many other competitors.

Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellation or only medical expenses. With the wide variety of travel insurance plans available, you can find coverage levels that will fit your budget and trip needs.

Look for these top coverage options in a comprehensive travel insurance plan.

Trip Cancellation Insurance

You don’t book a trip with the intention of canceling it, but unexpected illness, injury, family member sickness, jury duty and more could disrupt plans. Trip cancellation insurance reimburses you 100% for money you lose in prepaid, non-refundable deposits if you have to cancel for a reason listed in the policy.

If Covid is a concern, you can find travel insurance policies that cover Covid-related trip cancellation if you contract the virus right before the trip.

A good strategy for trip cancellation coverage is to buy insurance for the total amount you have put into non-refundable and prepaid deposits. Don’t insure refundable amounts, like refundable plane tickets, because you can’t make an insurance claim for that.

Travel Delay Insurance

It can be inconvenient, stressful and costly if your trip is delayed due to unforeseen events.

Travel delay insurance reimburses you for expenses if you’re stuck somewhere due to a holdup that’s covered by your travel insurance plan. For example, if you’re stranded in an airport all day because bad weather delays your flight, travel delay insurance can reimburse you for necessities like food and toiletries.

If you have a long delay, travel delay benefits can pay for an Uber, a night in a hotel and meals. Travel delay insurance has a specified waiting period before benefits apply—for example, six or 12 hours—and also a per day maximum limit and a total maximum per person.

“Cancel for Any Reason” Coverage

If you want the freedom to cancel your trip no matter what, look for travel insurance that allows you to upgrade your trip cancellation insurance to “cancel for any reason” (CFAR) travel insurance . Having CFAR allows you to cancel your trip for any reason that’s not listed in your base policy. For example, you could cancel the trip because you simply don’t feel like going anymore, as long as you do so at least 48 hours before your departure time.

Reimbursement under a CFAR claim is 75% or 50% of your trip costs, not the 100% that’s available under the base trip cancellation coverage. CFAR adds an average of about 50% to an insurance plan’s cost. Not all travel insurance companies offer a CFAR upgrade.

Travel Medical Insurance

Travel medical insurance pays for ambulance service, X-rays, lab work, medicine, doctor and hospital bills, and other medical expenses during your trip. This is important coverage for travelers going abroad, where your U.S. health plan may have limited global coverage or no coverage. You can find generous coverage limits of up to $500,000 per person with some travel insurance policies, but you may decide that lower levels of coverage are adequate for your needs.

The best travel insurance for seniors includes travel medical insurance because Medicare does not pay for health care outside the U.S., except in very limited circumstances.

Many travel insurance policies cover Covid-related medical expenses just like any other illness—but not all do—so be sure to confirm that Covid is covered by your travel insurance policy if you contract the virus during your trip.

Emergency Medical Evacuation Coverage

This is also important coverage for those traveling abroad, especially if you’re going to a remote area where quality medical care might be hard to find. Emergency medical evacuation insurance pays to get you to the nearest adequate medical facility. You can find ample coverage of $1 million per person in the best travel insurance policies..

Trip Interruption Insurance

If you have to cut your trip short because of a reason listed in the policy, trip interruption insurance is valuable coverage to have. It can reimburse you for the non-refundable parts of your trip that you miss, such as a resort stay or prepaid scuba diving lesson. It can also pay for a last-minute one-way ticket home if you have an emergency.

Baggage Delay Coverage

Your bags may be on their own detour, but what do you do while you’re waiting? This coverage reimburses you for necessities while you wait for your luggage. For example, if you’re in Canada you may need a coat, hat and essential toiletries. Policies usually require a certain time delay before baggage delay coverage kicks in, such as six hours.

Baggage Loss and Personal Effects Coverage

If your luggage doesn’t arrive at your destination when you do, it can throw your trip into chaos.

Baggage insurance can at least ease the financial pain a little. It can reimburse you for the bags and clothes and shoes that never arrive, but note that reimbursement is for the depreciated value of the items, not the cost to buy new ones. It also pays out for items lost to theft.

Travel Accident Insurance

Some travel insurance policies provide compensation for accidental death and dismemberment (AD&D). If an accident that’s covered by the policy kills or dismembers the policyholder during the trip, travel accident insurance pays out the specified amount.

Generally, AD&D travel insurance benefits cover death and the loss of feet, hands, sight, hearing, speech and fingers on the same hand caused by an accident. It usually pays out a percentage of the maximum benefit, depending on the loss. For example, the Atlas Journey Premier plan from WorldTrips includes $25,000 in AD&D coverage. It pays out 100% of the benefit if the policyholder loses both hands or both feet, both eyes or a hand and a foot. But it pays 50% if they lose either a hand or a foot or the sight in one eye.

There are common things not covered by travel insurance . Make sure you read a policy’s exclusions so you’re not caught by surprise later.

For example, injuries from high-risk activities may not be covered, such as scuba diving. Nor are problems that happen because you were drunk or using drugs.

Medical tourism is also a common exclusion, so if you’re going abroad for a face lift or other elective procedure, travel insurance won’t cover hospital bills or aftercare.

If you lose cash, or it’s stolen, that is typically also excluded from reimbursement under most travel insurance plans.

Keep in mind that travel insurance is designed to protect you against unforeseen events and emergencies. For instance, if you want to cancel a trip because you’re afraid of flying, that’s not covered under standard trip cancellation insurance.

The average cost of travel insurance is 6% of your trip cost, based on a Forbes Advisor analysis of travel insurance rates. The cost of travel insurance is usually mainly based on the age of travelers and the trip cost.

The plan and provider you choose will also affect cost. Here are examples of the costs of the top plans in our ratings.

Travel Insurance Cost Examples

Average costs are based on rates for seven different trips with a variety of traveler ages, trip costs and destinations. Note that policies have different levels of benefits, which can account for price differences.

Key factors that affect travel insurance cost are your trip cost, age and how much coverage you buy.

  • Trip cost: The more trip cost you insure, the higher your travel insurance cost. Your trip cost includes any prepaid, nonrefundable expenses, such as airfare, hotel accommodations, tours, event tickets, excursions and theme park passes.
  • Age: Your age is also taken into account in travel insurance pricing. That’s because older travelers tend to make more claims, such as medical claims.
  • Coverage: The more protection you buy, the more you’ll pay for travel insurance. For instance, if you opt for a “cancel for any reason”  upgrade and generous travel medical expense coverage, you’ll pay more.

Your destination, trip length and prior travel insurance claims history generally don’t influence how much you pay for travel insurance.

Buying travel insurance is relatively easy. You can typically buy a travel insurance policy online within a few minutes by entering your:

  • Destination
  • Travel dates
  • State of residence

You’ll typically be presented with a selection of policies, usually at different price points, with the more expensive ones providing more protection. Once you select a policy, you can buy it online.

If you’re unsure of your trip cost, you can estimate the amount, and then update it later, as long as it’s before your departure date. You don’t have to insure the total amount of your trip to buy travel insurance. But note that some add-on benefits require you to insure 100% of your trip costs for you to be eligible to file a claim, such as a “cancel for any reason” claim.

You usually have two weeks or so to review your policy. If you change your mind, you can get a refund, as long as it’s during the specified review period.

You’re asked for your state because laws regulating travel insurance vary by state—it doesn’t affect your cost.

You can also usually buy travel insurance through a travel agent or from a travel supplier like an airline or cruise company.

It’s best to buy travel insurance as soon as you book your trip. That way you get the maximum length of coverage for trip cancellation benefits. Buying a policy shortly after you make your first deposit also makes you eligible to buy upgrades, such as “cancel for any reason” coverage, and to get other time-sensitive benefits, such as a pre-existing medical condition exclusion waiver .

Here are some reasons you may need travel insurance.

You’re Traveling Overseas and Your Health Plan Doesn’t Have Global Coverage

Many health plans lack robust global coverage, or impose high out-of-network deductibles for care outside the U.S. Check your health plan details to see what it provides. Travel medical insurance fills the gap.

You’re Going to a Remote Area

If you won’t be near any quality medical facilities, even a small injury could turn into a major medical event. Medical evacuation coverage will pay to medevac you to an adequate facility.

You Want Emergency Backup

The 24/7 travel assistance lines that are included with travel insurance can assist you with finding a pharmacy, language translation, replacing a lost passport and much more.

You Will Lose a Lot of Money in Non-Refundable Deposits if You Cancel the Trip

You want trip cancellation coverage you’re worried about the money you will lose if you have to cancel the trip.

The average trip cost for Americans traveling within the U.S. increased 46% from 2019 to 2022 and is now slightly over $4,000, based on data from Squaremouth. So having trip cancellation insurance to safeguard your trip investment can be a smart move.

Trip cancellation will cover 100% of the prepaid money you’ll lose, as long as you cancel for a reason listed in the policy. Problems typically covered for trip cancellation insurance claims include sickness, injury, severe weather, natural disasters, jury duty and more.

Here are key considerations for choosing the best travel insurance policy that will match your needs.

Where You’re Going

If you’re traveling outside of the U.S., a plan with travel medical insurance is important because you may have little to no coverage under your U.S. health plan. If you’re taking a domestic trip, you likely don’t need it, or you may want to buy low coverage amounts as a back-up.

If you’re taking an international trip, emergency medical evacuation coverage is important to have, especially if you’re visiting a remote area that doesn’t have top-quality medical facilities.

If you’re traveling to a hurricane-prone destination, travel insurance can also be beneficial if you’re worried about severe weather spoiling your vacation plans.

If you’re concerned about weather woes affecting your travel plans, you’ll want to make sure to buy a travel insurance policy that has trip interruption and trip cancellation insurance for hurricanes and other weather events.

If your trip is interrupted or canceled due to severe weather, you can file a claim and be reimbursed 100% for prepaid, non-refundable deposits.

To be eligible to file a travel insurance claim because of a storm, you must have bought your policy before the storm was named. Also, generally one of the following requirements must be met:

  • Your destination is under a hurricane warning.
  • Your destination is uninhabitable due to severe weather.
  • Your (common carrier) airline is delayed for a specified amount of time listed in your policy—for example, six hours.

How You’re Getting There

Travel plans can be derailed by weather, airplane mechanical issues or any number of other unexpected circumstances. If you’re worried about paying extra money for costs due to a delay, you may want to look for a plan that has a generous amount of travel delay insurance.

What You’re Doing

If you have lots of pre-paid, non-refundable deposits for activities, lodging and tours, it is especially important to have trip cancellation coverage. This holds true for trip interruption insurance as well.

Travelers who plan to participate in extreme sports or adventure excursions should consider buying a plan that covers these activities, as they’re often excluded.

How Much Flexibility You Want

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.

These upgrades are especially good for the traveler who has put down substantial prepaid, non-refundable deposits.

Concerns About Covid and Variants

If Covid is a travel concern for you, look for a travel insurance plan that covers Covid-related cancellations and medical costs. The best Covid travel insurance plans will also include “cancel for any reason” coverage.

If you test positive for the virus during your trip, travel delay insurance can cover extra costs for accommodations during a quarantine. This coverage can also compensate you for expenses up to a week past your original return date if you’re forced to stay beyond your return date due to a quarantine.

If you miss portions of your trip because you’re forced to quarantine after a positive Covid test, trip interruption insurance can allow you to recoup non-refundable expenses that you paid for in advance.

In order to make a claim you’ll need documentation that you tested positive for Covid.

Americans are ready to take trips abroad in March: 88% of travel insurance purchases for trips taking place from February 1 to 29, 2024, are for international trips, based on Forbes Advisor’s analysis of policy sales.

Mexico is the top international destination for trips this month, followed by Costa Rica and the Bahamas. In addition:

  • The average trip cost being insured for people traveling outside the U.S. in February is $7,359.
  • The average trip cost being insured for folks traveling within the U.S. this month is $3,545.
  • Americans traveling internationally are paying an average of $343 for their travel insurance policies for February trips and domestic travelers are paying an average of $201.

List of March 2024 Top Travel Destinations

Source: Based on travel insurance policies purchased January 27, 2023 to January 27, 2024 for trips taking place February 1-29, 2024.

Average Trip Cost for Popular Destinations

Average trip costs for Mexico peaked in January of last year ($4,190) and dipped to a low in June ($2,710). Spending on Mexico trips in January 2024 averaged $3,627.  (These numbers reflect the non-refundable trip costs being insured.)

Average spending on trips to France was the highest for trips in May 2023 ($6,900). Spending on France trips in January 2024 averaged $978, the lowest cost in the past 13 months.

In addition:

  • The average spending on travel to Italy in 2023 spiked to a high of $10,585 for trips in June, while the lowest average cost for Italy trips last year was in December ($2,659). January 2024 trips to Italy averaged $4,546.
  • After a 13-month high of $10,000 in December, Japan trip spending in January ($978) dipped to the lowest average cost during the same period.
  • The highest average spending on trips to Great Britain (U.K.) was in August ($6,455) and the lowest was in January 2023 ($2,420). Great Britain trip costs in January 2024 were averaging $2,867.

Increasing trip costs and flight delays top the list of concerns for many vacationers, and these worries are likely to continue plaguing travelers in 2024.

More than half of the respondents in a recent survey cited rising trips costs and fear of flight cancellations or delays as their top reasons to purchase travel insurance more frequently in 2024, says Carol Mueller, spokesperson for Berkshire Hathaway Travel Protection .

These concerns are valid. Nearly a quarter (23%) of all flights last year arrived at their destination later than expected, according to the Department of Transportation. And travelers have more to lose when things go wrong: The average spending on 2024 trips is 110% higher than the average cost for 2023 trips, based on Forbes Advisor’s analysis of travel insurance policy sales. These trip costs are based on the non-refundable deposit amounts being insured under travel insurance policies.

Inflation, high jet fuel prices and more expensive airline tickets are contributing to the uptick in travel costs.

Despite spiking trip expenses and snafus at the airport, the majority of Americans who are buying travel insurance are eager to travel internationally in 2024: 89% of travel insurance purchases for trips taking place January 1 to December 31, 2024, are for international trips, according to Forbes Advisor data.

Forbes Advisor researched and analyzed 39 policies to find the best travel insurance. When companies had more than one travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

  • Couple, age 30 for a Mexico trip costing $3,000.
  • Couple, age 40, for an Italy trip costing $6,000.
  • Family of four for an Italy trip costing $15,000.
  • Family of four for a France trip costing $15,000.
  • Family of four for a U.K. trip costing $15,000.
  • Couple, age 65, for an Italy trip costing $6,000.
  • Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Cancel for work reasons: (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.

What is travel insurance?

Travel insurance is a type of policy that reimburses you for money you lose from non-refundable deposits and payments when something goes wrong on your trip. These problems can range from lost baggage to flight delays to medical problems.

The more you’re spending on your trip, the more you likely need travel insurance. This is especially true for international trips and cruises, where travel problems become more expensive to solve.

What type of travel insurance do I need for my parents visiting me in the U.S.?

Travel insurance for parents visiting the U.S. is generally a travel medical insurance policy that helps pay medical costs if they get sick or injured during their visit. There are two main types of visitors medical insurance :

  • Limited policies that have fixed benefits: These generally set a cap for what they’ll pay for each medical treatment that’s covered. You may need to pay a deductible for each medical illness or injury and then the policy will pay 100% after that, up to the cap. For example, coverage for an X-ray might be capped at $250.
  • Comprehensive visitors insurance policies: These typically cost more but have more robust coverage and don’t put a cap on specific medical expenses.

Do I need travel insurance for a cruise?

Travelers on cruises can potentially lose substantial money, just as much as a traveler on land. Cruise insurance can cover problems such as bad weather that causes a trip delay, or an illness that prevents you from traveling.

What do I need for travel insurance?

The information you need to buy travel insurance includes an estimate of your prepaid, non-refundable trip cost, your age, your destination, length of trip and age. Buying travel insurance online is relatively easy. You don’t have to answer a lot of questions, and you can update your trip cost and itinerary later if plans change, as long as you do so before your departure.

Is there travel insurance for multiple trips?

While standard travel insurance plans are meant to cover one-time trips, frequent travelers should consider an annual travel insurance plan. These plans cover the same issues as a single-trip plan, such as trip cancellation and emergency medical situations. But they also offer the convenience of a one-time purchase for multiple trips.

Next Up In Travel Insurance

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  • Best Covid-19 Travel Insurance Plans Of 2024
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  • The 5 Cheapest Travel Insurance Companies Of March 2024

Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

Michelle Megna

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

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Cruise travel insurance: Advice from an expert

Travel insurance for multi-day cruises. Is it possible? Why yes. It is.

This article may contain links from our affiliate and advertising partners. When you click on them, or share this content, we may earn a commission.  Learn more

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We have booked a cruise from Rome to Athens and have had no luck finding travel insurance that covers multi-night cruises. Can you suggest any providers that do?

"Absolutely!" says Escape's Doc Holiday Dilvin Yasa. "Before I embarked on a multi-night cruise around Europe I bought a policy with Travel Insurance Saver , which is an authorised representative of nib Travel Services."

Unlike some other policies, cruise is included as a standard on all single and multi-trip policies. This means you don't have to buy a cruise add-on, saving you some extra cash. Just remember to add the different countries your cruise stops at into destinations so you're completely covered.

If you are travelling locally, there's the option to add 'Cruising - Australian Waters', too.

"Admittedly, solid insurance products for multi-night cruises is hardly what you’d call a crowded market," says Yasa. "But Travel Insurance Saver is not alone in offering cruise enthusiasts peace of mind."

Other insurance providers that cover multi-night cruises include:

  • Travel Insurance Direct : Automatically provides cover on overseas cruises
  • Southern Cross Travel Insurance : Automatically provides cover on overseas cruises
  • Fast Cover: Providers cruise-specific add-on-packs
  • Cover More : Provides cruise-specific add-on-packs
  • Boomers Travel Insurance : Provides cruise-specific add-on packs.

"It’s worth pointing out that Boomers does not have capped age limits on its Comprehensive (or Domestic) plans, making it a suitable plan for seniors as well as for those with pre-existing conditions," says Yasa.

See also:  10 fabulous river cruises around the world

Cruising into Kotor, Montenegro.

Cruise travel insurance with Covid-19 cover

Many policies offer cover for medical expenses related to Covid-19. Depending on your insurer, this may be included as a standard or be added on for a fee.

Travel Insurance Saver for example has benefits that can cover medical and travel costs as a result from contracting COVID-19.

  • Coronavirus Travel Costs:  This can cover the costs of events related to coronavirus, including quarantine expenses and trip cancellation costs due to contracting the virus, or being denied boarding due to suspected infection. This is only available on Comprehensive and Annual Multi-Trip policies.
  • COVID-19 Overseas Medical Costs:  Unlimited cover for reasonable medical costs incurred from contracting COVID-19 while overseas. This is available on all policies.

Cover More offers several Covid-related benefits across its domestic and international plans, even at the Basic level of cover.

  • COVID-19 Overseas Medical Costs:  Unlimited cover on International Basic, International Comprehensive and International Comprehensive plans.
  • COVID-19 Travel Costs: Amendment or cancellation costs. Only available on select plans and under certain circumstances.
  • COVID-19-related Additional Expenses:  This can cover the cost of additional transport or accommodation expenses incurred while away. Available on all plans.

Regardless of which policy you go with, be sure to read the Product Disclosure Statement (PDS) carefully. If you have any questions it's a good idea to call the provider for clarification.

"Where possible, ask to get the information in writing," advises Yasa. "In a world where everyone’s looking to cover their tails, why shouldn’t you?"

Stephanie Yip is Escape's Ecommerce Travel Writer and loves to stretch her dollars when travelling. She was previously the Travel and Shopping Editor at Finder and has been featured in Travel Weekly, KarryOn and The Guardian. Stephanie can't resist a good flight sale, loves to travel as light as possible (sorry books, hello Kindle) and is currently navigating  how to travel with a toddler.

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Everything you need to know about Escape Deals

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Our new Escape Deals booking site means you can now find all your travel deals in one place, right here. And with these top tips, narrowing down your dream holiday is easier than ever.

How COVID-19 Travel Insurance Works

From weekend getaways to extended vacations, specialized covid-19 travel insurance can provide security if the virus affects your travel plans..

Amy Beardsley

3+ years writing about auto, home, and life insurance

7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

Read Editorial Guidelines

Featured in

Danny Smith

Licensed auto and home insurance agent

4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Updated September 18, 2023 at 5:00 PM PDT

Reading time: 4 minutes

international cruise and covid travel insurance

Table of contents

  • Pandemic insurance
  • What’s covered
  • Is it worth it?
  • Secure a policy

Travel lets you see new places, meet new people, and experience different cultures. But the lurking shadow of COVID-19 can make traveling uncertain. Almost half of canceled trips in 2020 were due to the virus, according to the U.S. Travel Insurance Association (UStiA). [1]

Travel insurance can help if something goes wrong before or during your trip, but not all policies cover COVID-19 issues. Let’s explore how COVID-19 travel insurance works and how it might — or might not — shield you on your next journey.

How pandemic travel insurance works

Most travel insurance policies include protections for trip cancellations, delays, or other trip interruption coverage. However, many policies don’t cover disruptions due to pandemics. [2] That’s where COVID travel insurance comes into play.

COVID travel insurance is a specialized policy that can refund your money if the virus throws a wrench into your plans. It typically has three coverage levels: coverage for a trip delay, canceling for any reason, and medical care if you get sick.

Travel delay coverage

Illness, injury, jury duty, and other circumstances beyond your control can delay your travel plans. Travel delay insurance covers flight issues, bad weather, sudden breakdowns, and unexpected illnesses or injuries that happen before reaching your destination. It can pay you back for non-refundable expenses and cover extra costs, too — like food, hotel rooms, or cab rides.

Cancel for any reason

Travel insurance policies typically have strict rules, but a cancel-for-any-reason (CFAR) option offers more leeway, allowing you to cancel for reasons not covered in the original policy.

But with CFAR benefits, you might only get a partial refund amount. Reimbursements usually range from 50% to 75% of the total price. [2]

Medical coverage for COVID-19

If your health insurance is only valid in a specific area and doesn’t cover international travel, travel insurance with medical expenses coverage can fill the gap.

If medical insurance is included in your trip policy, it can help pay for medical attention and treatment costs if you, a family member, or another traveling companion becomes ill from COVID-19 before or during your trip.

Will travel insurance cover you if you need to quarantine?

Some travel protection plans cover quarantine or self-isolation due to COVID-19 concerns. It can reimburse you for lost prepaid expenses and cover additional lodging and meal costs. However, it depends on your policy and the conditions leading to the cancellation, delay, or disruption.

Protection often hinges on two factors:

Not all travel insurance plans include a pandemic as a covered reason. If COVID-19 was a significant public concern when you purchased the policy, insurers may not provide coverage because it’s a “foreseeable” threat. But some plans let you add COVID-19 coverage as an endorsement.

Even if you set out to buy COVID-19 travel insurance, it may not be available for your plan or location. Review your benefits and endorsement options to look for “pandemic” or “epidemic-related” language to see if COVID-19 is a covered event.

Is travel insurance worth it?

The Centers for Disease Control and Prevention (CDC) declared the COVID-19 public health emergency over in May 2023, but there’s still a risk of infection, according to the World Health Organization (WHO). [3] [4]

Your credit card’s travel protections are worth considering, but you may not want to rely on that alone. Credit cards often limit travel coverage, and most companies don’t include trip cancellation coverage. [5]

Travel delay benefits can fill the gap — especially benefits with COVID-19 coverage. Compare the policy cost against the potential loss if you have to cancel or delay your trip to determine if it’s worth it. The up-front payment for travel insurance is typically a fraction of what you might spend out of pocket if plans go south.

The CDC reports that medical bills in the first six months of a COVID-19 diagnosis average nearly $8,400. [6] Factor in non-refundable trip costs, accommodation charges, and other miscellaneous expenses, and the expenses can skyrocket.

How to find the best travel insurance

If you’re concerned about the pandemic and the potential effects on your travels, here are some tips to help you secure a policy with the best travel insurance plan:

Research coverage and services

Compare multiple companies and policies and read reviews to see others’ experiences.

Check for pandemic coverage

Not all policies cover travel disruptions from COVID-19. Review your coverage to make sure it specifically addresses pandemic reasons.

Buy medical coverage

Travel policies don’t automatically include medical emergencies. Consider adding medical travel insurance, and ask about emergency assistance coverage and medical evacuation in case of a natural disaster.

Consider a cancel-for-any-reason insurance policy

CFAR policies can be beneficial, especially with unpredictable pandemic-related concerns and travel restrictions.

Understand refund policies

Read the fine print and policy information to verify how the insurer handles refunds. Some policies might offer partial refunds.

COVID travel insurance FAQs

The COVID-19 virus has made travel plans tricky. Whether you’re planning a weekend getaway or a month-long vacation, here’s what you need to know about COVID-19 travel insurance.

Will travel insurance cover COVID cancellations?

It depends. Standard travel insurance policies don’t cover COVID-19 or other pandemic-related reasons, but some travel insurance companies offer specialty COVID-19 coverage against the virus’ potential interference. If you cancel your trip due to the virus, a COVID travel insurance policy may provide refunds or reimbursements for your expenses.

Do you get your travel insurance premium refunded if you cancel your trip?

Travel insurance offers varying refund policies depending on the travel insurance company, but it doesn’t refund your premium. Instead, coverage can reimburse you for prepaid trip costs, meals, hotel rooms, or cab rides because of the interruption.

Will travel insurance cover quarantine outside the U.S.?

It’s possible. Travel insurance policies may cover quarantine or self-isolation expenses outside the United States due to COVID-19 concerns. However, coverage depends on your specific policy and the circumstances leading to the quarantine. It’s crucial to review the specific details and look for “pandemic” or “epidemic-related” language to ensure coverage.

How does COVID travel insurance differ from regular travel insurance?

Regular travel insurance often covers typical trip cancellations, interruptions, or delays. However, many don’t address pandemic-related disruptions. COVID travel insurance provides specialized coverage for travel hiccups related to the virus, ensuring you’re shielded financially if COVID-19 affects your journey.

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Amy Beardsley

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn .

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How to Find Travel Insurance That Offers COVID Coverage

Meg Lee

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Does travel insurance cover COVID?

What is not covered, finding travel insurers covering covid-19, the best covid travel insurance, covid travel insurance, recapped.

Traveling now carries with it more uncertainty than ever before. If you plan on traveling anytime soon, one thing you can do to protect yourself is get a trip insurance policy that includes coronavirus coverage. Previously, many insurers excluded COVID-related claims due to the virus’ status as a foreseen event/pandemic.

But now, some insurers are changing their tune. Here’s what you need to know about how to find travel insurance providers that offer coronavirus-related coverage, as well as what is and isn’t covered.

Coronavirus coverage falls into several categories:

Trip cancellation: You need to cancel a trip prior to departure because you, a covered travel companion or possibly someone you need to care for contracted COVID-19.

Trip delay: Your trip is delayed due to changing COVID-related guidelines.

Travel medical coverage : You (or a covered travel companion) become ill with COVID-19 while traveling abroad and incur health care expenses or require an evacuation.

Of providers that are offering COVID policies, most are covering these expenses.

» Learn more: The majority of Americans plan to travel this year, according to recent NerdWallet study

Countries with Level 4 travel advisories: Some insurers disclose that if a Level 4 Do Not Travel advisory is issued by the U.S. Department of State for a specific country, you will not receive coronavirus-related coverage. With cases surging in various countries unexpectedly, the list of Level 4 countries is constantly changing. Before booking a trip and purchasing a policy, make sure to check that the country does not have a Level 4 advisory.

Fear of getting sick while traveling: Canceling a trip because you’re afraid you’ll get sick does not qualify for coverage under your travel insurance policy. Travel insurance providers have a list of standard reasons that qualify for cancellation, including: car accident, jury duty, terrorist act, military duty and other extenuating circumstances. If you want ultimate flexibility to cancel a trip (no matter the reason), you’ll want to look into the cancel for any reason, or CFAR, supplemental upgrade , which is offered on some travel insurance plans. When you purchase CFAR, you can get up to 75% of your nonrefundable deposit back as long as you cancel at least two days in advance. Not all plans offer CFAR as an option, so research before you purchase if you're interested in this add-on.

COVID-related events not directly related to you: If you planned on going to a conference or a family reunion that was canceled due to COVID-associated concerns, your travel insurer will not reimburse your nonrefundable flight or hotel accommodations.

» Learn more: The best travel insurance companies right now

Generally, the policies underwritten by U.S.-based travel insurance providers vary by state, trip information, traveler’s ages and other various details. Travel insurance comparison site Squaremouth (a NerdWallet partner) is one of the very few comparison sites that allows you to filter by policies that offer coronavirus coverage.

To find a policy that specifically covers coronavirus-related losses, input your departure and return dates, your main destination and select “Search for Policies Now.”

In our example, we input the following details: A $3,000 paid-in-full trip to Greece leaving on Oct. 9 and returning on Oct. 18 by a 40-year old U.S. citizen who is a resident of California. The policy will include trip cancellation coverage.

travel insurance that covers covid

When incorporating the “Coronavirus Pandemic” filter, the results reveal that 57 out of 100 policies include this coverage. You can select additional filters, such as cancel for any reason, if you’re looking for that optional upgrade.

The results can be sorted by price, top sellers, top reviews and insurance providers, offering plenty of ways to easily search for the specific policy you’re looking for.

Each of the top three policies (which is just a sampling of the nearly 60 options) includes coronavirus cancellation and medical coverage, and displays the associated limits. Trip cancellation coverage is $3,000, representing the value of the trip. The price of the policy is clearly stated and ranges from 4.8% to 6.1% of the total trip cost. This range represents very typical travel insurance costs .

» Learn more: Is travel insurance worth it?

A recent NerdWallet analysis determined providers Berkshire Hathaway Travel Protection , IMG and John Hancock Insurance Agency , Inc., among others.

Read the full results of best COVID-19 travel insurance .

Once you narrow your search, you’ll want to review the full policy details to ensure you’re familiar with what exactly is covered and not covered.

If you have specific questions — especially as they relate to the constantly changing travel advisories or whether coronavirus is considered as a foreseen event (which some providers will not cover) — you’ll want to reach out to the insurer. The last thing you want is to purchase travel insurance and later find out it will not cover you in your intended destination.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee:   Bank of America® Travel Rewards credit card

Flat-rate travel rewards:  Capital One Venture Rewards Credit Card  

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

30,000 Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.

international cruise and covid travel insurance

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What Travel Protection Program does Royal Caribbean offer?

Make sure nothing gets in the way of your adventure with Royal Caribbean Travel Protection program benefits, including medical, baggage and Evacuation coverages to protect you during your trip. With the  Royal Caribbean Travel Protection Program  Cancellation Penalty Waiver (a non-insurance feature offered by Royal Caribbean), if your plans go awry and you cancel your cruise vacation (for specified reasons), Royal Caribbean will waive the non-refundable cancellation provision of your cruise ticket contract and pay you IN CASH the value of the unused portion of your prepaid cruise vacation. In addition, should you need to cancel for "any other reason" you may be eligible for credit toward a future cruise - up to 90% of the non-refundable, prepaid cruise vacation cost.

Because our liability for loss or damage is limited by the Cruise Ticket Contract, we recommend that all guests check their own insurance coverage or consider purchasing the Royal Caribbean Travel Protection Program.

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Where are you going?

Enter the destination(s) you plan to visit or select them from the list of countries and regions in the dropdown.

Planning a stopover? If you’re in a country for less than 72 hours, you do not need to list it as a destination.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region, or you can select “Anywhere in the world”. Important: If selecting “Anywhere in the world”, your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with the “ Standing Travel Alert for High Risk and Sanctioned Countries ” when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? If your cruise is in inland Australia (e.g. on the Murray River) or in Australian coastal water (e.g. the Kimberley), enter or select “Australia”. If your cruise embarks and disembarks from Australia ports only without any stopover at a port outside of Australia (e.g. a “Sampler Cruise” or cruise from Sydney to Brisbane), enter or select “Domestic Cruise”. If your cruise is overseas (e.g. a European river cruise, a Caribbean cruise, or a cruise from Sydney to Hong Kong), enter or select the country or region you will spend the most time in during your trip.

Want to come to Australia on our Inbound Plan? Select “Australia Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on AEST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

Cruise Travel Insurance Benefits

Cruise ship sailing into Valletta Malta | Cruise travel insurance

Protect your cruise holiday from medical expenses and more

Whether you’re on a cruise to the Pacific Islands, sailing through the Caribbean, or exploring the seas of Australia’s tropical north, cruise travel insurance benefits can help protect your trip from costs if something goes wrong.

At Cover-More, our goal is to provide you with quality cruise insurance benefits to help keep you safe. If you’re going on a multi-night cruise on the sea or ocean, you must tell us about your cruise for Cruise Cover to be added to your policy and an extra premium will apply. (This cover is not required for river cruises within Australia or international destinations.)

Still deciding whether to take a cruise or not? Read our helpful guides on how to choose the best cruise for you , and essential travel advice for your cruise . (Plus, check out our useful holiday preparation list , too.)

If you have specific questions about our Cover-More cruise insurance benefits, read our Cruise Cover benefits FAQs .

Skip to read:

Why do I need cruise travel insurance benefits?

Will medicare cover me for a cruise in australia, what happens if i get sick on a cruise, does cover-more travel insurance include cruise insurance benefits, what are cover-more's cruise travel insurance benefits, how do i buy cover-more's cruise cover.

  • Do Cover-More's cruise travel insurance benefits cover medical costs?

Do Cover-More's Cruise Cover benefits cover emergency evacuations?

Does cover-more travel insurance cover existing medical conditions on a cruise.

Cruises are a great way to relax , bask in the sun and enjoy the sea breeze while exploring new destinations. So, it may come as a shock if your cruise experience isn’t exactly smooth sailing.

From delayed luggage to falling seasick, it can be difficult to predict what will happen on board – let alone the money you may lose if you must cancel your cruise before you even leave home.

Cruise Cover benefits can provide cover for medical costs on board, help you if you need to be medically evacuated off the ship, and provide reimbursement for lost luggage and non-refundable expenses (up to the cancellation amount you have added to your policy).

To enjoy the cruise holiday you deserve, we recommend you consider travel insurance for cruising for extra peace of mind, and support when you need it most.

No. Cruise ships are not obligated to have doctors registered to practice in Australia on board. This means if you visit a doctor on board, it may not be covered by Medicare and you may end up with out-of-pocket expenses.

This is why you should consider travel insurance for any cruises you take in Australia.

At Cover-More, our International plans include overseas medical expenses cover when you enter/select “Domestic Cruising” as your travel area and when you tell us about your cruise when you purchase travel insurance.

Our Cover-More cruise insurance international plans can include cruise cover when you tell us you are travelling on a sea or ocean cruise for two or more nights.

Domestic and international cruise ships do offer onboard medical assistance, but the medical staff are only there to stabilise your condition.

If you require urgent medical attention while on a cruise, you may need to be evacuated from your cruise and taken to hospital – which can be extremely costly depending on where you are in the world.

That’s where cruise travel insurance benefits can help when cruise cover is added to your international plan.

With our Cover-More cruise insurance benefits included in your policy, we can not only assist with medical costs, but you’ll have our expert 24-hour Emergency Assistance team on hand to help if you are hospitalised.

Travel insurance benefits for cruising are automatically included in our Cover-More travel insurance plans when you tell us you are travelling for two or more nights on a sea or ocean cruise.

If you are taking a multi-night cruise (except for river cruises within Australia), you must answer “Yes” to the question “Will you be travelling on an ocean or sea cruise for two or more nights?” and pay the additional premium to be protected in the event something goes wrong on your cruise. (This cover is not required for river cruises within Australia or international destinations.)

To see full details of our cruise insurance benefits, read the PDS .

Our Cruise Cover provides travellers with many benefits to assist if an accident, mishap, or delay occurs on their cruise holiday.

Our Cruise Cover benefits and benefit limits per adult are as follows:

Please refer to the PDS for limits, sub-limits, exclusions, and conditions that may apply to our travel insurance benefits for cruising.

Ready to get a quote? You can generate one online now.

Ready to book your cruising holiday and purchase our Cruise Cover to protect it? You can buy a travel insurance policy with cruise benefits through our website or by calling us on 1300 72 88 22.

To get a cruise quote online:

  • Enter the area of travel you want cover for in the quote box . For international trips with cruises, choose the country, region, or “Anywhere in the World”. For domestic trips with cruises, choose “Domestic Cruise” – not “Domestic” – and an international plan with overseas medical expenses will be available. Our Domestic plans exclude cover for any medical expenses in Australia. (See below for more details on choosing your destination.)
  • Select the dates of your first trip.
  • Enter in the ages of travellers.
  • Click ‘Get Quote’ to go to the next page.
  • Select the best plan for you from the options displayed on the screen, including whether you want a Single Trip policy or an Annual Multi-Trip policy if the option is available to you.
  • You’ll then be asked if you are travelling for two or more nights on a sea or ocean cruise. By selecting “Yes”, an additional premium will be added to your policy, and the cruise benefits will be included when the Certificate of Insurance is issued.
  • Continue down the page to fill in the rest of your details.
  • Declare any of your existing medical conditions.
  • Pay for your policy.

Additional helpful information on how to choose the correct destination when getting a quote:

  • If you’re cruising within Australia on an inland waterway (e.g. a Murray River cruise) or within Australian coastal waters (e.g. a Kimberley cruise where the cruise does not leave these waters), please chose or enter “ Australia ” for a Domestic Plan.
  • If you're cruising from a port in Australia to another port(s) in Australia that does not stop at a port outside of Australia (e.g. a cruise from Sydney to Brisbane or a Kimberley cruise that leaves Australian waters), please choose or enter “ Domestic Cruising ” for an International plan which includes SECTION 1: Overseas Medical and Dental (including emergency repatriation/evacuation).
  • If you're cruising overseas, possibly stopping in many destinations (e.g. a European river cruise, a Caribbean cruise or a cruise from Hong Kong to Sydney) or from a port in Australia to another port or ports outside Australia (e.g. Sydney/ Singapore), please enter every country you will be travelling to or enter a region.

Before purchasing our cruise travel insurance, read the PDS to ensure a Cover-More policy is right for you.

Do Cover-More's cruise travel insurance benefits cover medical costs on board?

Yes, our Cruise Cover benefits can provide cover for medical expenses incurred on board the ship and if you are offloaded from the ship. Without this type of cruise insurance benefit, you could be out of pocket hundreds or thousands of dollars for a medical incident that happens whilst on a cruise.

One Cover-More customer visited their onboard cruise doctor after a sniffle that developed into influenza. Although quick, the doctor’s visit resulted in a $700 medical fee. Luckily, they had a Cover-More policy with Cruise Cover, and we were able to settle their claim.

To find out how much it costs to protect your cruise, get a Cover-More quote online now.

Note: our claims are subject to approval.

Our cruise insurance benefits are vital in helping protect you against more serious medical claims, especially those that result in your emergency evacuation from a cruise.

It doesn’t matter if you’re on a cruise off the shores of Australia or on an overseas cruise, if you’re in the middle of the sea or ocean, it can be incredibly expensive to be transported to the nearest hospital via air or sea.

In 2016, one of our customers fractured their leg on a cruise ship in the South Pacific. The air ambulance cost to bring them back to Australia for surgery totalled $86,000.

To protect your cruise with Cover-More, get a quote online or call 1300 72 88 22.

Not all existing medical conditions are automatically included in our plans, so you will need to go through the same medical assessment process we use for general travel.

If all of your conditions do not meet the existing medical condition criteria to be automatically included, you will need to complete an online medical assessment and if the cover is approved, pay the extra premium to us for cover. Ensure you disclose all your existing conditions to ensure you have the right cover.

You can visit our existing medical conditions (EMC) page to view a comprehensive list of conditions we cover.

Please note: if you are not approved for your existing medical conditions, we can still provide cover for lost luggage and travel documents, and any illness or injury not relating to your EMC.

Got more questions? Find your answers over on our dedicated FAQs for cruise travel insurance page .

Want us to protect your cruise holiday?

Find our Cruise Cover and get ready to set sail.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.    ^Cover chosen applies per policy.    If you do not tell us about your cruise, claims in any way related to your multi-night cruise, and multi-night cruise travel or that arise while on a multi-night cruise are specifically excluded by this policy.

Discover Our COVID-19 Cover

To find out what our current* benefits do – and don’t – cover, please read:

  • -  COVID-19 Benefits
  • -  COVID-19 Benefits: FAQs
  • -  COVID-19 Travel Guide

Plus, for helpful destination-based COVID-19 information, don't forget to check the  COVID-19 Travel Risk Tool  before and during travel.

*The cover information contained on the above pages refers to Cover-More policies sold on or after 26 June 2023 . For cover information on policies sold prior to this date, please read the relevant PDS .

Cruise travel insurance

Medibank health members save 15%.

Going on a sea or ocean cruise, or including one as part of your trip? Medibank Travel Insurance offers cruise insurance to help protect you whilst you're cruising.

cruising and travel insurance

What is cruise travel Insurance?

For an additional premium, you can add Cruise Cover to your travel insurance policy to help protect your cruise adventure. Cruise Cover is a mandatory add on if any part of your trip includes travel on a multi-night sea or ocean cruise. Without purchasing additional Cruise Cover, no cover is available for any event arising from, or related to your cruise travel. 

Cruise Cover is not required if you are travelling on a single-night cruise, or on a river cruise (e.g. European river cruise, or a Murray River cruise). Likewise, if you are travelling on a cruise that is only within Australian coastal waters (e.g. Kimberly Cruise) then Cruise Cover is not required. If your Australian cruise is going from port-to-port then you'll need to select 'Domestic Cruise' as your destination, which is an International Plan, to provide cover for your journey.

Cruise travel insurance benefits - get cruising with Medibank

$unlimited ship to shore and onboard medical & dental cover.

If you suffer a sickness, disease or disabling injury whilst you're on a cruise ship overseas or outside Australian costal waters then you will have:

$Unlimited onboard medical and emergency dental cover, including cover for onboard medical treatment should you suffer from sea sickness whilst travelling. 1

Cover also includes $unlimited costs for emergency transportation if onshore care is required. 2

Missed port cover

Should you miss the scheduled departure of your pre-booked cruise or a pre-booked connection to your cruise due to unforeseen circumstances outside of your control, we will cover you for reasonable costs (up to $1,000) to use alternative public transport services to catch up to your planned itinerary. 3  Excludes COVID-19.

Cabin confinement

Cover for up to $100 per day to a maximum of $1,500 should you be confined to your cabin for at least 24 hours due to sickness, disease or disabling injury. 3  Excludes COVID-19.

Missed shore excursions

Even when you're all set, trips to shore can unfortunately be missed. Should you miss a pre-booked shore excursion due to unforeseeable circumstances we could reimburse the non-refundable cost of the unused ticket(s) up to $1,000. 3  Excludes COVID-19.

Building your cruise insurance quote

Cruise view from onboard

Step 1: Select your area

Where you travel will influence your premium. You will need to choose the main destination/country based on where you will spend the most time travelling. Don't forget to take into consideration the 20% rule for the Africas and Americas detailed  here . 

If you are travelling on a multi-night cruise which leaves from one Australian Port to another, then you can enter 'Domestic Cruise' as the destination.

Step 2: Click on insurance type

Depending on your needs, you can select Single Trip or  Annual Multi-Trip cover. 

Step 3: Select additional cover

For an additional premium, you can choose to add cover for additional scenarios, like snow sports or moped riding . If you're travelling with valuables, you can also opt to increase your item limit(s) for luggage and personal effects. Read the  PDS  for more information.

When don't I need to add Cruise Cover?

You don’t need to add sea or ocean cruise cover, if you are:

  • Travelling on a river cruise
  • Not travelling on a cruise during your trip
  • On a cruise for only one night
  • Only taking a ferry trip
  • Are cruising in Australia or in Australian coastal waters (this can include Kimberley Cruise or Murray River cruises.)
  • Are sailing (sailing is not covered in International Waters).  

Cruise during sunset on the ocean mountains in background

Cruise insurance FAQs

If i need to be evacuated, will medibank travel insurance with cruise benefits cover me.

If you are travelling on a multi-night (2 or more nights) cruise overseas or outside Australian Coastal Waters, you'll need to add and pay for the additional Cruise Cover to be insured for claims related to your cruise travel. 

If during your trip you suffer a disabling injury, sickness or disease (which first presents during the Period of Insurance), we will pay the usual and customary cost of emergency transportation provided outside of Australia by, or on the advice of, a qualified medical practitioner to evacuate you to the nearest onshore medical facility (unlimited on our  international travel insurance  policies with Cruise Cover).

Limits, sub-limits, exclusions and conditions apply. See the Combined PDS/FSG  for more information.

My cruise stops at multiple destinations, what Medibank Travel Insurance Policy should I buy?

You can purchase an International Comprehensive or International Medical Only Policy, and then add Cruise Cover to your selected policy. If travelling overseas or from a port in Australia to another port or ports outside Australia – please choose or enter the main area or destination/country based on where you will spend the most time on your trip. If the cruise travels between Australian ports, but travels outside of Australia Coastal Waters, you will need to select Domestic Cruising as a destination.

You can compare Medibank Travel Insurance policies on our  compare page .

If I miss the boat or lose luggage while on the cruise, does Medibank cruise insurance benefits cover me?

If you are travelling on a multi-night (2 or more nights) cruise overseas or outside Australian Coastal Waters, you'd need to add and pay for the additional Cruise Cover to be insured for claims related to your cruise travel. 

Missed port cover:  Should you miss the scheduled departure of your pre-booked cruise or a pre-booked connection to your cruise due to unforeseen circumstances outside of your control, we will cover you for reasonable costs (up to $1,000) to use alternative public transport services to catch up to your planned itinerary. 3  Excludes COVID-19.

Luggage and personal effects cover:  If you purchased an International Comprehensive Plan and added Cruise Cover to your policy, you will have luggage cover up to the limits specified in the  PDS  for any lost damaged or stolen luggage whilst cruising.

Unfortunately if you purchased an International Medical Only plan, no cover is available for lost, damaged or stolen luggage whilst you're on your trip.

Item limits and sub-limits apply. See the  Combined FSG/PDS  for terms, conditions and more information.

I'm travelling between Australian ports, is that a domestic cruise?

If you are travelling from a port in Australia to another port in Australia without any stopover at a port outside of Australia, (e.g. a cruise from Sydney to Brisbane) you should select 'Domestic cruising' as your destination. These cruises will go outside of Australian coastal waters so an 'International Plan' with Cruise Cover is required to be insured for claims related to your domestic cruise.  If you are only cruising within Australian coastal waters, (e.g. a Kimberley cruise) you do not need to add Cruise Cover to your  domestic travel insurance . If you are cruising overseas, (e.g. a Caribbean cruise) please choose the main area of destination country based on where you will spend most of your trip.

If you are unsure of which category your cruise might come under, contact Medibank Travel Insurance by  calling 13 41 90 .

Can I buy Medibank cruise insurance benefits when I'm already on the cruise?

Yes, you can purchase a travel insurance policy after your trip commenced, however you will be subjected to a 3-day no cover period. Cruise Cover must be purchased at the time of purchasing the travel insurance policy and cannot be added retrospectively.

Am I covered for COVID-19 related claims on an international cruise?

If you are diagnosed with COVID-19 on board a multi-night sea or ocean cruise, cover applies to: 

  • On-board medical. 1
  • Dental cover ship to shore medical cover. 2

Available on International Comprehensive and International Medical plans only if Cruise Cover has been added.

Does Medicare cover me on a cruise in Australian waters?

If you're on a cruise in Australian Waters, Medicare may not pay towards your medical cost on the cruise ship because the cruise ship may not have doctors onboard who are registered to practice in Australia. Check before your trip and consider getting travel insurance with Cruise Cover.

Emergency assistance whilst travelling

Every Medibank Travel Insurance policy comes with 24 hour emergency assistance. 

Our team of experienced doctors, nurses, travel consultants and case managers are ready to help you 24 hours a day, 365 days a year. We can help if you need support finding appropriate medical treatment, if you need to organise medical evacuation, or if you require assistance replacing lost travel documents and credit cards. 

Learn more about our 24/7 emergency assistance .

Cruise on the ocean in Europe

Things you should know

1  Available on the International Comprehensive and Medical Only Plans. Cover applies for a maximum of 12 months from the date of onset of injury or illness.

2  We will pay the usual and customary cost of emergency transportation provided outside Australia by or on the advice of a qualified medical practitioner to evacuate you to the nearest onshore medical facility.

3  Limits and exclusions apply. Available on the International Comprehensive and Medical Only Plans.

Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the  Combined FSG/PDS  to decide if this product is right for you. For information on the Target Market and  Target Market Determinations , visit  medibank.com.au/travel-insurance/help/

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COVID-19 Health Assist - Expression of interest

Complete this form to express your interest in one of our programs. If you're eligible, a member of our team will call you within 2-3 business days.

What program are you interested in?

Sorry, only members with current Hospital cover are eligible to participate in these programs

Eligible Medibank members with Extras cover are able to access a range of telehealth services included on their cover - you can find out more here . Alternatively, if you would like to talk to one of our team about your cover, we're here on 132 331 .

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Please provide your details so we can know how to contact you.

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By clicking Submit, I understand that Medibank or its subsidiaries may contact me to discuss my eligibility for the Covid-19 Heath Assist program(s), and will disclose my personal information within the Medibank Group of companies and to third party service providers. Please see Medibank’s privacy policy for further information about how Medibank will handle my personal information, and how to contact Medibank: https://www.medibank.com.au/privacy/

Thank you for expressing your interest in one of our COVID-19 Health Assist programs.

If you are eligible, one of our health professionals will call you in 2-3 business days to discuss your situation and help to enrol you in the relevant program.

There is no cost to participate, however some referred services may incur an out of pocket cost.

  • Join CHOICE

Which travel insurers cover you for cruises?

Cruises are officially back on the cards and people are queuing up to get on board. here's how to make sure you're covered..

two_people_on_a_cruise

Fact-checked

Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE .

Need to know

  • Most travel insurers cover cruises but there are some exclusions and fine print to be aware of
  • For example, you won't be able to claim for events that occur because you've had too much to drink
  • You need to make sure you declare your pre-existing medical conditions

With the restrictions on cruises finally lifted post-pandemic, the industry has bounced back in a big way this year and is more popular than ever.

But some people lost thousands of dollars on cancelled cruises during the COVID-19 travel bans and some cruise lines might not even let you on board without travel insurance.

So if you're planning a cruise, read on to discover how to choose the travel insurance policy that's best for you.

On this page:

Travel insurance for overseas cruises

Which travel insurers cover international cruises, what cruise travel insurance won't cover, do i need insurance for australian cruises, when to buy travel insurance for a cruise.

Most travel insurers cover international cruises that start and end in Australia, usually as an optional extra (we haven't looked at cover for cruises that start and/or end overseas). 

Some providers also offer tailored cruise travel insurance, which can give you access to additional inclusions that are unique to cruising and that may not be covered in standard policies, such as cover for missed ports, missed departures, or cabin confinement due to illness.

When choosing a policy, it's important to make sure the region you're visiting is covered and that it suits your needs and itinerary.

Check the policy age limit, as some policies cover you up to the age of 100 but others only cover you up to 69. 

It's also worth noting that if you want cancellation coverage in case a relative in Australia becomes ill or dies, the relative will also need to meet the age limit on the policy and satisfy the existing medical condition requirements.

Australian authorities no longer require people to prove they've had a COVID-19 vaccination in order to board, but it may be required for some destinations such as New Caledonia, and cruise ships are still a higher risk setting for diseases like gastroenteritis and respiratory infections, including influenza (flu) and COVID-19. So check if you have medical and cancellation cover for COVID-19 and other illnesses.

Existing medical conditions and pregnancy

As with other types of travel insurance, some pre-existing medical conditions may not be covered, and others will need to be disclosed in order to be covered. If in doubt, contact the insurer to discuss your needs.

It's also worth noting that pregnancy is considered an existing medical condition. Some insurance policies cover pregnancy up to 30 weeks, but most cruise lines won't allow you on board if you're more than 24 weeks pregnant.

Travel insurance and alcohol

Some people liken cruises to a floating RSL club, but the combination of alcohol and a seagoing vessel can cause accidents. 

In an Australian Financial Complaints Authority (AFCA) case, Phil* fell down a flight of stairs on a cruise ship and suffered a moderate brain injury, skull fracture and right lung contusion.

All travel insurers have a clause that excludes cover for claims resulting from a person being under the influence of alcohol

Phil said the area was not well lit and the steps would have been slippery, while his wife said he was walking steadily. He was taken to a hospital in Austria and a test showed that he had a blood alcohol content (BAC) of 0.198%.

The insurer had an exclusion for "any conduct engaged in whilst under the influence or effect of alcohol or drugs", and AFCA sided with the insurer, determining that Phil's claim for expenses should be denied.

All travel insurers have a similar clause that excludes cover for claims resulting from a person being under the influence of alcohol.

* Not their real name. Policyholder names are not disclosed in AFCA case records.

Even if you book a cruise that won't be leaving Australian waters, you may still need travel insurance as shipboard medical expenses might not be covered by Medicare. Check that your travel insurance does cover medical costs – you may need international or cruise-specific insurance. Domestic travel or health insurance won't cut it.

Doctors working on cruise ships don't need Medicare provider numbers, so check with your cruise line if they have a Medicare doctor on board. If they don't, and they treat you, you can't claim on Medicare or your private health insurance, even though you never left Australia. 

Domestic travel insurance doesn't cover medical costs, so you'd need either international travel insurance (check that it covers domestic cruises) or special 'domestic cruise' insurance, which is available from a few select insurers.

Cruises are often booked well ahead of time, so you could be forgiven for forgetting or delaying the purchase of your travel insurance. But if your cruise is cancelled ahead of time and you don't yet have cover, you could lose your money. The earlier you buy the policy, the better.

On the flip side, there aren't many insurers that cover you more than a year out from starting your trip. If you book your trip more than a year out, shop around for a policy that will cover you.

Stock images:  Getty, unless otherwise stated.

Join the conversation

To share your thoughts or ask a question, visit the CHOICE Community forum.

Cruise Passenger

Cruise insurance and COVID – the crucial clause that’s missing

Australians may be able to fly overseas and even cruise.  and multi-national travel insurance brands do sell policies for multi-night cruises…but not for covid..

Apparently no Australian insurance company can compute the risks – especially since the government has yet to present its plan for the return of cruise.

Cover-More actually covers…er…less. But charges more.

We asked about cruise insurance, and here’s what the company’s PR agency sent us:

“Cover-More Travel Insurance has mandatory Cruise Cover if you are travelling on a multi‑night cruise. If you are going on a cruise, we ask that you please tell us. To be covered for cruise travel an additional premium applies and we can provide a quote. If cruise cover is added it will be shown on your Certificate of Insurance.

We define a multi-night cruise as a trip involving an ocean, river or sea voyage of more than two nights in total duration, where transportation and accommodation is primarily on an ocean, river or sea going passenger ship.

Multi-night cruises include voyages:

  • that don’t stop at any port along the way e.g. a cruise out to sea for three nights and back
  • on a vessel to various ports e.g. sailing in Croatia, a river cruise in Europe; and
  • those on a cruise ship around the same country e.g. Australia: Sydney-Hobart (select “Domestic Cruise” as the destination) or USA: Hawaiian Island cruises.

For any of these, an International Plan with Cruise Cover is required.

For a multi-night cruise within Australia, in the Kimberley region or on the Murray River for example, a Comprehensive Domestic Plan may be purchased and no Cruise cover is required.

Cover-More also introduced COVID-19-ready benefits on 9 December 2020 for Australians travelling domestically, and to New Zealand. These COVID-19 benefits will also offer previously-unavailable protection for overseas travel to other countries as official ‘travel bubbles’ are agreed and announced by the Australian Government.

However, if someone contracts COVID-19 on a multi-night cruise, this will not be covered by Cover-More Travel Insurance. There are some pre-trip cancellation and amendment benefits for cruise travellers and these are contained in the attached extract from our PDS on  www.covermore.com.au

Communications manager Maureen Mullins told The Australian Financial Review: “The historical examples of cruise ships is, if you’ve got passengers who can’t get off and must get medevacked, that can get expensive. We can’t afford the risk at the moment to give a realistic premium to a cruise passenger.”

It was also revealed that Cover-More expects  travel insurance to increase nearly 10% in price , adding to the complications of cruisers who are hoping to skip town and cruise overseas.

One of the largest costs that may not be covered by a lot of insurers is PCR tests, which while often compulsory tests are covered by cruise lines, are also a requirement for getting into most countries across the world at the moment.

Cover-more also shared that a trip cancelled due to borders closures would not be covered under their insurance, as it is too difficult for insurers to predict when a border could close and what cost this is to the insuree.

As some of the pieces of cruise and travel come back together, insurance remains a difficult part of the puzzle.

Cruise Passenger spoke to some experts for guidance on how to go about purchasing cruise insurance in a COVID world.

What will be covered? 

Warren Duke, travel insurance expert at Compare the Market warns that most policies will no longer automatically include cruise cover.

“A lot of travel insurance policies don’t cover cruising automatically, customers need to make sure they buy the add on which includes the cruise benefits. 

“Various insurers have now introduced limited pandemic cover, customers can now buy a policy that will cover them and their medical expenses if they do contract COVID-19, while they’re travelling to the cruise or on the cruise, the policy will respond and give them cover for any medical expenses they incur.

“It will also cover any cancellations and refunds that aren’t covered by the cruise line itself. However, not all policies have that limited COVID-19 cover so customers should look for policies that do.”

However, Mr Duke says if you are affected by border closures or cancellations, you may need to turn from your insurance provider to your cruise line.

“The one thing that the insurers are unable to price for or offer as part of their policy is any change to the itinerary, if the ship can’t stop at a port because of COVID-19 or the ship decides not to sail because there are local cases preventing access to the ship or preventing the ship from being fully supplied, they will not be covered.

“If there’s a border closure that’s stopping the boats from leaving the port, those expenses will not be covered by the travel insurance policy. However, cruise lines are normally pretty good in refunding those customers or giving them travel credits or working with them to get them on another ship at another point in time.”

Is cruise insurance available and will it cover for COVID?

For those who are looking to cruise overseas before domestic cruising returns, Jessica Prasida, Insurance Expert at Finder cautions that most travel insurers aren’t yet offering cruise insurance. 

“At this stage present most of the major travel insurance companies haven’t enabled cruise cover just yet, which makes it difficult to say what changes we may see.

“Obviously you’d expect that when they do, the normal things such as missed port departure will still be covered, as would contracting COVID while you’re on your cruise.”

However, taking the example of Cover-More, while they do currently offer multi-night cruise insurance, making it a mandatory premium for those purchasing travel insurance and cruising as part of their holiday, they do not cover if someone gets COVID on board.

“Cover-More Travel Insurance has mandatory Cruise Cover if you are travelling on a multi ‑ night cruise. If you are going on a cruise, we ask that you please tell us. To be covered for cruise travel an additional premium applies and we can provide a quote. If cruise cover is added it will be shown on your Certificate of Insurance.

“However, if someone contracts COVID-19 on a multi-night cruise, this will not be covered by Cover-More Travel Insurance.”

Should you get separate cruise insurance or a travel insurance that covers cruise?

The consensus from the experts is that it’s best to get an all encompassing policy. 

Mr Duke says: ‘“Definitely getting a policy that includes the two at the same time. Most cruise lines will ask their customers if they have a travel insurance policy and generally try to persuade their customers to have a policy that does.

““It’s always good for the customers to have their insurance in the one policy, having a travel insurance policy that includes cruise cover is ideal.”

Michelle Levins owner of My Cruise Concierge agrees.

“As Australians tend to do additional arrangements such as flights, accommodation and tours, they should be looking at a policy that encompasses all of their travel arrangements not just cruise.”

Should you purchase insurance through your cruise line?

While it’s important to check in with your lines policies and extra cover options, Ms Levins warns against taking this route.

“Australian cruise passengers cannot purchase a comprehensive policy via their cruise line, some cruise lines do offer a cancellation cover or a deposit cover.  Travel insurance is strongly recommended by the Department of Foreign Affairs and Trade for all overseas travel.

“Keep in mind that not all policies cover all things, in all countries, in all situations. You need to make sure you choose a travel insurance policy that suits your needs covering medical including COVID, cancellation, personal liability, luggage and many other ares of cover that may be relevant to your trip.”

How to choose between policies?

Mr Duke says: “Just compare your options and various policies. The best tip is compare the options for the customers to make sure you get a policy that meets all your needs and to take a bit of time to assess all the options in the market.”

Ms Levins advises: “ All cruise travellers should make sure that there is COVID cover for the cruise portion of their trip and ensure repatriation and evacuation are included as standard.  Some insurers do require you to take out a specific policy that does cover cruising or a cruise extension policy.

“If you are doing snow sports or other activities look to see if these are included or if you require extra cover.  The PDS (product disclosure statement) can answer your questions, if you are unsure contact the insurer.”

Ms Levins says using a trusted agent can be a good way to navigate the new complications.

“ Use a trusted advisor or travel agent distributor to help you navigate the policies.  Most cruise agents will sell at least one or two different companies and can offer general advice on these.

“If you are travelling under a credit card policy, ask your insurer for a copy of the PDS, and consider questions such as, ‘Where is your emergency assistance located?  What do I need to do to activate the cover?’ Do you cover my pre-existing conditions?’ What cover do you provide for COVID related losses?”

Have prices gone up?

Ms Levins says premiums have risen.

“As expected, the premiums have increased across the board for all insurers.  Some insurance companies have added exclusions for pandemics but some have added cover for COVID, there may also be COVID exclusions for multi night cruises.  We are a distributor of Go Insurance, who include COVID cover as standard and there are NO exclusions for multi night cruises.”

Steve Mickenbecker, finance expert from Canstar says that while some prices may look the same, they probably won’t have the cover you’re after.

“You’ll see policies that are specifically excluding cruise, pandemic and more, or severely limit what you can claim in respect to those things. I think you’ll still see those policies priced reasonably cheaply.

“Then you’ll see companies that say we’ll continue to offer the full of range of cover, but they’ll charge much more for it.”

The risks versus benefit 

Ms Prasida says that with policies currently being unable to cover every pandemic possibility, there is an undeniable risk-benefit to travelling at the moment which comes down to a personal decision.

“It depends on how itching you to go. If you are planning to go relatively soon you kind of need to accept that you have to risk it and there is a good possibility that some way, somehow, you might be out of pocket. If you really want to go travelling that bad, that’s something you’ll have to accept, at least for the time being.”

Mr Duke says he doesn’t believe cancellations will become too much of an issue when cruising returns domestically, but says the worry of getting COVID-19 will persist and be a part of travel for the foreseeable future.

“I think now that the cruise lines are starting to take bookings from February and March next year , there’s little chance that there will be cruises that don’t sail. So I don’t think customers will have that as the main worry, I think they’ll still be worried about what happens if I get COVID-19 and I can’t travel or what happens if I’m on the boat and I get COVID-19.”

Final tips 

Mr Mickenbecker says the most important part is simply not to go overseas with too poor of a policy that doesn’t cover the worst case.

“You’ll be taking a risk, that you won’t be badly influenced by COVID or some other form of pandemic while you’re overseas. It’s a big risk, while double vaccination and booster shots minimises the risk, but there will still be people hospitalised. Being hospitalised can be horrendously expensive. Life-changingly expensive.”“My advice would be to people, don’t people too flippant about this. Don’t be too prepared to save a few hundred dollars, if you need to spend $400 or $500 there’s a lot of peace of mind involved versus heading overseas with a policy that just doesn’t cover you.”

Mr Duke says buying your insurance as early as possible is the best protection against cancellations.

“We love customers to be buying their policy as soon as they pay their deposit for the cruise… normally this is the best time to buy your travel insurance policy because it will include cancellation cover before you depart on the cruise.

“That’s probably one of the biggest tips we can give customers to make sure they’re fully covered from the minute they pay their first deposit to the cruise line.”

Mr Duke adds that making an informed decision and comparison is the best way to get a policy that works for you.

“Just compare your options and various policies. The best tip is compare the options for the customers to make sure you get a policy that meets all your needs and to take a bit of time to assess all the options in the market.”

Typical of Insurance Companies: grab the customers’ money in the good times with very little payouts, then won’t cover or charge exorbitant premiums when the bad times come.

Reading Covermores comments above, their cruise policy is not worth the paper it is printed on. No cover for the No. 1 reason for the insurance, won’t pay out for the main reasons for the insurance cover. Just proves that Ned Kelly is not dead!@

Hi Cruise Passenger, I have been enjoying reading and following your emails and support information for some time. I am currently booked on another cruise with Silversea in Europe in May 2022 and now deliberating on whether to postpone this cruise because of the on going Covid issues, but more particularly the fact that I cannot find any insurance in Australia that will offer full cover.

As a past experience, I need to draw you and your readers to a clause in the SCENIC CRUISES cancellation insurance policy. A policy that they offer as cancellation and in theory your deposit refund. Sadly, despite the fact that they are an Australian company they do not cover their deposit refund, even though they charge an extra $250 per person insurance for this option. You frequently mention using a travel agent for making bookings, hence, I have attached an email from my travel agent who cannot recover my full deposit, despite me paying the insurance with SCENIC CRUISES for deposit protection. See as follows:

From: Michelle Alcorn Sent: Tuesday, 12 January 2021 12:15 PM To: Harry Smith Subject: Scenic cancellation.

Dear Mr Smith,

Hope you are well and had a nice Christmas and New Years?

Just wanted to let you know Scenic have now cancelled your booking as per your request. Also you mentioned in your email that you had no details on the Deposit protection conditions these are on your confirmation on page 2 of the letter. Please see below conditions which I will copy and paste for you….

The DEPOSIT PROTECTION POLICY is provided at a cost $250 per person per tour or cruise on Scenic Eclipse voyages.

“Where You cancel a tour or cruise prior to the invoiced final Payment Date, and the Deposit Protection Plan applies, We will hold Your deposit, less any third party cancellation and/or administrative fees incurred by Us, for Our tour products only, (i.e. not products provided by third parties such as air travel), then We will credit the remainder of the deposit towards an alternative tour product, if You book within 24 months of cancellation. The DPP is not combinable with any other exceptional discounts or offers, that may be promoted at the time You pay Your deposit”.

“If You do not rebook within 24 months, or utilise all of Your Deposit, it will be forfeited. If You have booked a tour with an applicable Fly Deal or other Earlybird Offer, any airline cancellation fees will be deducted from the deposit amount if flights have been ticketed. The Deposit Protection Plan does not, nor is it intended to, replace travel insurance”.

I will put down below the fees and conditions of your cancelation.

Deposit paid (23rd July 2020) – $3349.24 (which is made up of $2803.00 deposit + $500 deposit protection + $46.24 credit card fee) Amount paid to Scenic – $3303.00

2nd Deposit paid (2nd Sep 2020) – $2842.24 (which is made of $2803.00 2nd deposit + $29.24 credit card fee) Amount paid to Scenic – $2803.00

Total amount paid to Scenic $6106.00 Less Deposit protection fee $ 500.00 Less amount held in credit $2803.00 (this is in the conditions of the Deposit protection. This credit needs to be used by December 2023) Less National Seniors Fee $ 300.00

Total amount refunded $2503.00

Scenic have advised that the refunds are taking about 16-20 weeks to process.

YOU WILL NOTE THAT SCENIC DO NOT REFUND YOUR TOTAL DEPOSIT. THEY SAY YOU WILL FORFEIT “$2803.00” BEING PART OF THAT DEPOSIT IF YOU DO NOT BOOK ANOTHER CRUISE WITH THEM. IN MY OPINION THIS IS NOT ONLY MISLEADING – BUT IT’S CORPORATE BLACKMAIL? (Also to mention this cancellation was made more than 6 months ahead of the cruise)

Apart from suggesting that you should let your readers know about this issue with Scenic Cruises, I would also be interested to hear your feedback.

With thanks and regards, Harry Smith.

Comments are closed.

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Cruise&Travel magazine is Australia’s No.1 publication for travel enthusiasts.

There are four issues per year, with each issue is packed full of must-read features, including cruise news, reviews, destination guides and the most enticing itineraries.

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Is Travel Insurance Worth It? Evaluating the Value and Benefits

Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

  • Travel insurance covers risks like trip cancellations, health emergencies, and lost luggage.
  • Travel insurance costs can range from 4% to 12% of your total trip cost.
  • Travel insurance is best for trips that are long, expensive, nonrefundable, and international.

Vacations can be very expensive. If you're paying a lot for yours, you might wonder if you should purchase travel insurance, especially when some costs are nonrefundable.

The answer isn't always cut-and-dried. Travel insurance isn't necessary for everyone. Whether you need it will depend on a variety of factors. Here are some key points to consider when deciding if travel insurance suits you.

Introduction to travel insurance

When planning a trip, it's essential to think about how you'll protect yourself from the unexpected. That's where travel insurance comes in. It can cover various risks like loss of personal belongings, checked baggage, and more. With the appropriate coverage, you can nullify or mitigate the potential losses. "Plain and simple, travel insurance is a layer of protection against financial loss," says Brad Cummins, owner and principal agent for Insurance Geek , an insurance comparison platform. "Whether it be lost luggage or a lost passport, travel insurance will cover the extra costs during these unfortunate events."

Benefits of travel insurance

Protection against unforeseen cancellation.

One of the top reasons to acquire travel insurance is to cover potential losses from trip cancellations. When canceling a trip due to a covered cause, travel insurance will reimburse you for prepaid, nonrefundable expenses. 

Some covered causes for travel cancellations include:

  • Sickness, injury, or death of traveler or family member of traveler
  • Inclement weather
  • Unexpected work or layoffs
  • Terrorist incidents in a travel location

Some travel insurance covers trip cancellations regardless of the reason. However, you make certain trade-offs when you enroll in a  "Cancel for Any Reason" (CFAR) insurance policy . These policies are more expensive and may only refund a percentage of your trip's cost. You can find our guide on the best CFAR travel insurance  here.

Financial security and peace of mind

While your travel insurance covers any unforeseen issues before your trip, it continues to cover you even after your flight has taken off.

For example, you don't have to be as anxious at baggage claim when your fellow passengers have claimed their luggage and yours hasn't come out yet. Travel insurance offers lost luggage protection and can cover any necessary purchases while you wait for your late luggage to arrive, such as toiletries and a change of clothes.

Medical coverage on travel insurance  can also offer peace of mind as most US health insurers don't provide coverage when you're abroad. A comprehensive travel insurance plan will cover you in an unexpected accident or emergency so you can seek medical attention for an injury sustained while traveling without worrying about mounting medical bills.

Evaluating the cost of travel insurance

The average cost of travel insurance is 5%-6% of your total trip cost. However, the exact cost will vary based on factors such as your age, travel destination, and where you live, and can be as little as 4% of your trip cost or as high as 12% of your trip cost.

If you're wondering whether travel insurance is worth it, you're not alone. There are a few things to consider. If an emergency arises on your trip, travel insurance can reimburse part or all of your vacation expenditure. However, this will depend on factors such as your trip type and whether it's refundable.

Cost vs. potential savings

In general, travel insurance is worth it if you're concerned about losing money if your trip is called off or delayed or if you're worried about medical bills while traveling. However, conducting thorough research and understanding the costs and coverage provided is critical before purchasing a policy.

For example, older travelers or those with pre-existing medical conditions may pay more for their insurance. Similarly, those traveling to high-risk destinations or participating in high-risk activities may also face higher premiums. 

Ultimately, it's important to shop around and compare quotes from different travel insurance companies to find the best coverage and rate for your needs. You can find our picks for the best travel insurance companies here. 

Cost-benefit analysis for different trip types

Travel insurance may be a wise investment if you've already paid for your and can't change or cancel your trip without penalty. Suppose your trip is canceled or disrupted due to a covered cause. In that case, travel insurance will cover the trip's cost and any other nonrefundable expenditures up to a pre-determined amount.

If you're heading to a country where your health coverage doesn't apply, or if you don't have any health insurance at all, travel insurance might provide the protection you need. Travel insurance can also assist you in case of medical emergencies. It's vital to understand that not all travel insurance policies are created equal. Be sure to carefully study the details and understand what is and isn't covered before purchasing one.

Scenarios where travel insurance is essential

Expensive vacations and long-term travel.

It's a good idea to insure trips with a high, nonrefundable price tag because you'll never forgive yourself if your expensive, once-in-a-lifetime trip gets canceled and your money and planning go down the drain. For these vacations, you'll want to find a policy that covers 100% of expenses.

Similarly, if you have long-term travel plans, you'll want to have a policy that protects against travel interruption in case something cuts your plans short. You'll also want medical coverage during extended stay outside the country.

High-risk destinations and activities

High-risk destinations include regions facing political instability, war zones, and areas prone to natural disasters. Travelers headed to these areas should look into travel insurance in case their trip is canceled due to an unforeseen event. 

Additionally, certain areas are known for the thrilling activities they offer, like skydiving and bungee jumping. If you have extreme sports on your itinerary or believe you might build up the courage to plunge down a canyon, you may want to invest in a travel insurance policy. Keep in mind that some travel insurance policies don't cover high-risk activities, so shop carefully.

When travel insurance may not be necessary

Low-risk, short, or domestic trips.

There are also some situations in which you might not need travel insurance. If you are traveling within the US, you do not need travel insurance for health reasons since most health insurance plans will cover you even if you're not in your home state. 

Additionally, travel insurance may not be necessary if you're only traveling over the weekend or exclusively booked refundable experiences.

Making an informed decision

There are a few key considerations when buying a travel insurance policy. The cost of the policy is one factor, but it's also important to look at the coverage limits and what is included and excluded in the policy. Be sure to read the fine print carefully and compare policies between different companies. 

It's also important to consider the purpose of your travel insurance policy. If you're going on a trip where you'll be doing adventurous activities, ensure your policy covers those activities. Finally, remember that travel insurance is there to protect you in case something goes wrong on your trip, so don't hesitate to use it if you need to.

If you decide that you need travel insurance, here are a few things to keep in mind when shopping for a policy:

  • Read the fine print of any policy you are considering to understand what is and is not covered. This is especially important for those who want to add special coverage options. 
  • Compare policies from different providers to find the best coverage at the best price.
  • Purchase your policy well in advance of your trip so that you are covered in case of any unforeseen circumstances.
  • Ensure you're covered for pre-existing conditions because a number of policies will exclude pre-existing conditions if you don't pay extra for a waiver or additional coverage. 

Buying travel insurance can be a pretty quick and painless process, thanks to insurance aggregator sites like SquareMouth .

Using SquareMouth is one of the easiest ways to see multiple coverage options simultaneously. Once you've entered some personal details and information regarding your trip, you'll see a variety of insurance providers and plans from which to choose.

Assessing personal and trip risks

The first consideration you should factor into travel insurance is how much of your trip is already paid for. If you've prepaid for most or all of your travel expenses, you may want to purchase travel insurance if you have to cancel.

Another thing to consider is where you will be traveling. If you are visiting multiple countries, getting insurance that covers you in all of them might be a good idea.

Your age and overall health can also determine whether you need travel insurance. Suppose you are older or have pre-existing medical conditions, for example. In that case, it might be a good idea to purchase travel insurance if you need to cancel your trip or incur unexpected medical expenses.

Lastly, the value of your luggage can also be a factor to consider. If you plan to bring expensive items with you on your trip, it might be worth purchasing travel insurance to cover lost or stolen luggage.

Reviewing policy options and exclusions

When it comes to travel insurance, the ease of use will depend on the provider you choose. If you're working with a reputable insurer, then the process should be relatively straightforward. However, it's still important to understand what is and isn't included in your policy before you purchase it. This way, you can be sure that you're getting the coverage you need and that you won't be caught off guard by any fine print.

Travel insurance isn't necessary for everyone or every trip. But it can bring a lot of peace of mind during your travels and can certainly translate into significant savings if you're faced with a medical emergency while on your trip. It's best to do your research, compare plans, and understand your own level of risk when it comes to deciding whether or not to purchase coverage.

Travel insurance frequently asked questions

Travel insurance is highly recommended for trips that are long and expensive. For example, you should buy travel insurance for any international trips, cruises, adventure travels, and trips with significant pre-paid expenses.

To say that travel insurance will save you money in the long run isn't entirely accurate. Travel insurance will save you money when things go wrong, but it won't save you any money if your trip goes smoothly.

Short domestic trips don't necessitate travel insurance. Most health insurance policies cover you from state to state, so unless you're worried about unexpected cancellations, travel insurance isn't a must-have.

Travel insurance policies commonly exclude coverage for pre-existing medical conditions, extreme sports injuries, and travel to high-risk countries.

Cost-benefit considerations should include the total cost of your trip, the refundability of your expenses, your destination's healthcare costs, and your personal health and travel risks.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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  2. Coronavirus, Cruises and Travel Insurance Coverage

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  3. CDC COVID Cruise Guidelines Explained As Agency Says to Avoid Them

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  4. World of Cruising Magazine

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  5. COVID travel insurance: What's covered (and what isn't) for trips

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    Our Cover-More cruise insurance international plans can include cruise cover when you tell us you are travelling on a sea or ocean cruise for two or more nights. ... Plus, for helpful destination-based COVID-19 information, don't forget to check the COVID-19 Travel Risk Tool before and during travel.

  22. Cruise Travel Insurance

    Missed shore excursions. Even when you're all set, trips to shore can unfortunately be missed. Should you miss a pre-booked shore excursion due to unforeseeable circumstances we could reimburse the non-refundable cost of the unused ticket (s) up to $1,000. 3 Excludes COVID-19. Get a quote Call 134 190.

  23. Which travel insurers cover you for cruises?

    Travel insurance for overseas cruises. Most travel insurers cover international cruises that start and end in Australia, usually as an optional extra (we haven't looked at cover for cruises that start and/or end overseas). Some providers also offer tailored cruise travel insurance, which can give you access to additional inclusions that are ...

  24. Travel Insurance for Cruises

    Keep in mind if you are planning an overseas holiday with a cruise, in particular, that some countries require international travel insurance (including medical cover) as a condition of entry. ... Will cruise travel insurance cover COVID-19? Many Australian travel insurers now offer some form of COVID-19 coverage, but there may be exclusions or ...

  25. Cruise insurance and COVID

    Nov 4 2021. Australians may be able to fly overseas and even cruise. And multi-national travel insurance brands do sell policies for multi-night cruises…but not for COVID. Apparently no Australian insurance company can compute the risks - especially since the government has yet to present its plan for the return of cruise.

  26. Diamonds and Pearls Travels

    93 likes, 5 comments - dandptravels on February 5, 2022: "#dubai #expo #expo2020 #dandptravels #travel #dubaiexpo2020 #Dubaiagain Visit Dubai Again... last day to book! Dubai is back as flights start from Nigeria on the 29th of January 2022. We cannot stop going to Dubai no matter what.... so we bring you DUBAI AGAIN!! Date- 11 - 17 February 2022 Duration- 6 Nights / 7 days Inclusions; • 06 ...

  27. Assessing the Value of Travel Insurance for Your Trips

    Travel insurance costs can range from 4% to 12% of your total trip cost. Travel insurance is best for trips that are long, expensive, nonrefundable, and international. Vacations can be very expensive.