Cruise travel insurance

Cruise insurance policies from £6.48*

  • Insurance with cover for the extras you need

  • Find cover for cabin confinement, missed port and more

  • Compare some policies with covid cover

*The cheapest Cruise policy is £6.48 (based on 1 adult aged 31, with no previous medical conditions selecting cover for a cruise and travelling in Europe for up to 3 nights). Prices correct on the 21/07/2021.

Covid-19 - Important information from 18th March 2022

The UK government has removed all COVID-19 international travel restrictions for all passengers. It's still important to check your destination's entry requirements for travelling there.

If you travel against the Foreign, Commonwealth and Development Office (FCDO) advice, you won't be covered by any travel insurance policy you buy.

What is cruise travel insurance?

Cruise travel insurance is a type of policy designed for those of us who love to go on holiday at sea. It includes extras like cabin confinement, emergency medical treatment, missed port and unused excursions. A regular travel policy won’t necessarily give you the level of cover you need for a cruise holiday.

What does cruise travel insurance cover?

By getting a specific cruise insurance policy, you’ll cover yourself against any unexpected costs and emergencies that can happen while at sea. This could include:

  • Cabin confinement cover if you’re instructed by the medical officer on board to stay in your room if you fall ill. You’ll get the cover amount set out in your policy per day you’re confined.

  • Personal belongings, money and baggage cover could come in handy if your items are stolen, accidentally lost or damaged.

  • Cancellations for pre-paid travel, accommodation, and unused excursions if you have to cancel your trip in an emergency.

  • Delayed departure or abandoning your trip due to missed port, poor weather conditions, strike, industrial action or mechanical problems could also be covered.

  • Medical cover is extremely important, especially if you’re hundreds of miles away from mainland and need medical assistance. This may cover emergency airlift to hospital if required.

When you select cruise cover, we’ll only show you policies that have the protection you’ll need for your cruise based on the details you’ve entered. One thing to note is that policies can vary between insurers, so it’s important to check the policy details and features before you buy.

How much does cruise travel insurance cost?

The cost of your cruise insurance policy can depend on where you’re travelling to and how long you’re away for. Here are the average costs of 1-week policies for the UK and some of the most popular cruise destinations around the world1:

Destination Average premium1
Worldwide inc. US, Canada and Caribbean
Hong Kong
£44.04 travel data: Average price of premiums (1 week trip) August 2020 – October 2020. The cost of a policy can also be affected by other factors including whether you’ve got a pre-existing medical condition, how old you are and where you’re travelling to.

Why is cruise insurance more expensive?

Cruise cover is usually more expensive because the extras you need are less readily available while you’re at sea, as you’re further away from amenities. When comparing quotes, you’ll see polices with airlift options, in case you need to go to hospital but are far from the mainland. You’ll also see cover for things like abandoning your trip due to extreme weather. These extras all help determine your policy cost.

Depending on the countries you’re visiting, the cost of medical treatment may be higher due to private healthcare systems they have in place, so your policy will factor that in too. If you’ve got a pre-existing condition, make sure you get a medical travel insurance policy before you travel.

How do I get a quote?

Getting a quote couldn’t be easier. Just click ‘Get a quote’ to get started and fill in our form with a few details about your trip:

  • What type of cover you would like e.g. single-trip travel insurance or an annual travel insurance policy
  • Tell us which countries you’re travelling to and when you’re going
  • Who is going to be covered under the policy
  • Select ‘cruise cover’ when choosing any extras for your policy
  • Declare any pre-existing medical conditions you or anyone else on the policy has

Our insurance partners then get to work on getting you the best cruise insurance quotes for your holiday.

Compare cruise travel insurance quotes

Can I get a cruise insurance quote with a pre-existing medical condition?

If you have a pre-existing medical condition, you can still use our site to get a quote. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

Some insurers may not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price. If you’re unable to find suitable cover, the Money and Pension Service (MaPS) has also set up a directory of insurers willing to cover customers with pre-existing medical conditions.

You can find their directory of insurers on the Money and Pensions Service (MaPS) website or you can phone them on 0800 138 7777 for free impartial advice.

We compare quotes from up to 40 travel insurance companies to find you our best deals

AA car insurance logo
Saga logo
Post Office car insurance logo
Admiral car insurance logo

Need more help?

Are cruises covered by ATOL?

You’ll be able to find out whether your cruise is ATOL protected or not by checking your holiday providers website – look for the ATOL protected logo. If your cruise is covered by ATOL, you should also receive a certificate with all the details of your ATOL protection. If you have any doubts, be sure to check with your holiday provider before you book.

Can you buy cruise travel insurance after booking?

Yes, you can buy cruise insurance after booking. It’s best to buy your cruise insurance as soon as possible after booking your trip, that way you’re covered against cancellations.

Do I need travel insurance for a domestic cruise?

If your domestic cruise is only on river water, you don’t need a cruise insurance policy. If you’re going on a proper UK cruise in sea waters, then you’ll need one.

Show more

What our travel insurance expert says

By getting a cruise travel insurance policy, you’re making sure you’ve got the cover you need for your holiday. Don’t leave it too late, buying your policy early can help save you money.
Jac Morris signature

Jac Morris

Travel Insurance Product Executive’s Travel Insurance solution is provided by is a trading style of Investment Discounts On-Line Ltd and is authorised and regulated by the Financial Conduct Authority. Registered office; Investment Discounts On-Line Ltd, One Coleman Street, London, EC2R 5AA. Registered in England no: 04231834. is part of the Legal & General group.

Our service is free and compares a wide range of trusted household names. is an intermediary and receives commission from if you decide to buy through our website which is based on a percentage of the total annual premium. We pride ourselves on impartiality and independence – therefore we don't promote any one insurance provider over another. travel insurance customers rate us 4.56/5 based on 265 respondents - as of 06/10/21). Read our reviews