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.

Can I get travel insurance that covers COVID-19?

Yes, you can still compare and purchase travel insurance with COVID-19 cover from All of our providers offer emergency medical treatment and repatriation (returning to the UK) for COVID-19 claims.

Many of our providers offer further Covid-19 related cover such as holiday cancellations, accommodation costs and denied boarding. Be sure to check the details of your policy carefully as different providers will offer different policy enhancements.

It's important to note that if you travel against advice from the Foreign, Commonwealth and Development Office (FCDO), you won't be covered by any travel insurance policy you buy.

What does cruise travel insurance cover?

Cruise insurance covers you against unexpected costs and emergencies that can happen while at sea. These 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 comes 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 get a cruise insurance quote, we’ll only show you policies that have the protection you’ll need for your cruise based on the details you’ve entered. Policies can vary between insurers, so it’s important to check the policy details and features before you buy.

Cruise insurance with Covid cover: what do I need to know?

Despite updating policies to control infections, cruise ships have still seen coronavirus outbreaks. If you’re going on a cruise, you should make sure that your cruise holiday insurance policy covers you for claims around Covid 19. Check your policy wording so you know exactly what’s covered.

Some cruise travel insurance policies include Covid 19 emergency medical cover, meaning you’re covered if coronavirus causes you to fall ill or die while on your cruise. Policies can also cover you if you have to cancel or cut your trip short due to Covid 19.

Cancellations tend to apply if you’re diagnosed with coronavirus 14 days before your cruise ship sets sail or if you’re denied boarding due to having Covid 19 symptoms. You may also be covered by your cruise insurance if you need to cancel the trip within 14 days of departure due to a close relative being hospitalised or dying from Covid 19.

Covid-19 entry requirements vary from country to country, so it’s important to plan your trip in advance. The GOV.UK website provides useful information on foreign travel during coronavirus, including your destination’s entry requirements and your return to England, Scotland, Wales or Northern Ireland.

Those returning to the UK from red list countries would face more strict requirements, including having to book a quarantine hotel package.

There are currently no countries on the red list, but before buying cruise travel insurance, you should think about what could happen if your destination moves to the red list. You may face travel restrictions and extra costs that won't be covered by your cruise insurance policy.

If you travel against Foreign, Commonwealth & Development Office (FCDO) advice, you won't be covered by any cruise travel insurance policy you buy. It’s important to read the latest FCDO advice before you travel, and it’s also worth keeping tabs on any updates the government makes to its international cruise ship travel guidelines during coronavirus.

Can I get cruise travel insurance for pre-existing medical conditions?

Usually, yes. If you have a pre-existing medical condition, you could still get cruise insurance. Simply select your condition(s) on our quote form.

Pre-existing medical conditions include things like high blood pressure, diabetes, cancer, strokes as well as heart and respiratory problems.

Your insurance is likely to be more expensive if the insurer believes the pre-existing condition means you’re more likely to need medical treatment while on holiday.

Some insurers may not offer cruise travel insurance if you have a serious medical condition, especially if you’re undergoing treatment or waiting for an operation.

You should always tell the truth about pre-existing medical conditions when you get a cruise insurance quote, not doing so could invalidate your cover.

How much does cruise travel insurance cost?

The cost of your cruise insurance policy depends on a number of factors, such as where you’re travelling, how long you’re away for, if you have a pre-existing medical condition and your age.

Here are the average costs of 1 week cruise insurance policies for the UK and some of the most popular cruise destinations around the world.

Destination Average premium1
£67.98 travel data: Average price of premiums (1 week trip) January 2021 – January 2022.

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 decide on the best travel insurance for my cruise holiday?

When it comes to taking out cruise travel insurance, it’s important to check the policy wording carefully so you get the right cover. Exactly what’s covered by cruise insurance varies from insurer to insurer, as does the level of cover.

Here are our top tips for choosing the right policy:

  • Make sure all the destination points on the cruise are actually covered by the cruise travel insurance policy
  • Always check you’re covered for any sports/activities you intend to do both on and offshore as part of your trip
  • Compare the level of cover that policies provide for cabin confinement as well as for more standard travel insurance cover for things like personal belongings
  • Check the conditions for missed port departure cover – you might not be covered by your cruise holiday insurance if you miss your boat due to a private excursion, for example
  • Make sure the medical cover includes emergency helicopter transfers and cover for your journey home if you can’t return on your cruise ship as well as the other more standard private medical costs like hospital fees

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

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

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Need more help?

What is cruise cover in travel insurance?

You’ll only have cruise cover on your travel insurance policy if you choose to include it when you buy.

You’ll still get standard travel insurance to cover things like lost and stolen belongings, trip cancellation, medical expenses and repatriation. But you’ll also have insurance specific to cruises, which can include cover such as missed port departure, cruise cabin confinement, unused excursions, cruise itinerary change and cruise interruption.

Does my insurance cover me on a cruise?

Standard travel insurance will cover you for things like lost and stolen belongings but taking out cruise travel insurance means you’ll also be covered for things more specific to cruises, including missed port departure, cruise cabin confinement, unused excursions, cruise itinerary change and cruise interruption.

When should I buy cruise insurance?

You should buy cruise insurance as soon as you’ve booked your holiday – you may need to cancel your trip if you fall ill prior to departure.

Are cruises covered by ATOL?

You can find out whether your cruise is ATOL protected or not by checking your holiday provider’s 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.

Do I need cruise insurance for a river cruise?

If you’re going on a river cruise, taking out cruise holiday insurance could help cover you for things like missed schedule stops, something that a standard travel insurance policy might not cover.

Do I need special travel insurance for a cruise?

If you’re going on a cruise it makes sense to take out cruise travel insurance. With standard travel insurance, you won’t be covered for things like cruise cabin confinement and missed port departure. Many cruise ship operators now require passengers to have a certain minimum level of insurance in place.

Is cruise insurance different from travel insurance?

Yes, taking out cruise insurance means you’ll get cover that’s tailormade for cruises, including cover for missed port departure, cruise cabin confinement, unused excursions, cruise itinerary change and cruise interruption. But you’ll also get cover that’s associated with standard travel insurance, including for medical expenses and personal belongings.

You should make sure your cruise holiday insurance has a good level of medical cover, including for medical emergencies requiring helicopter transfers.

Will the countries I visit affect the price of my cruise insurance?

Yes, the cost of cruise travel insurance can vary quite a lot depending on which countries you’ll be visiting. This is partly because the cost of private health care is more expensive in some countries than others.

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What our travel insurance expert says

Cruise holidays are growing in popularity and offer a different experience to your standard beach break. Getting cruise insurance for your trip is the best option if you want peace of mind. Knowing you’ve got the cover you need to sail off into the sunset. Don’t leave it too late, buying your policy early should offer protection against cancelled holidays and could help save you money.
Jac Morris Travel & Pet insurance expert signature

Jac Morris

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