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Cruise travel insurance
If you’re going on a cruise, our specialist cruise travel insurance policies give you all the cover you need for a price we hope you’ll be happy with.
Our cruise travel insurance has no upper age limit, will consider any medical conditions, and we’ll even cover your kids for free!
What is cruise travel insurance?
Cruise travel insurance is insurance designed specifically for cruises. It is additional to normal holiday insurance and covers you for problems exclusive to cruise travel for an extra premium.
What does cruise travel insurance cover?
Our cruise holiday insurance includes extra cover for:
- Cabin confinement
- Cruise interruption
- Itinerary changes
- Missed port departure
- Unused excursions
Policy limits apply. Please see the below table for details of these limits and the excess payable on our Silver and Gold policies:
|Cabin confinement||£100 per day up to £1,000||£0||£0|
|Itinerary changes||£100 per port up to £500||£0||£0|
|Missed port departure||£1,000||£60||£50|
Cruise travel insurance expanded
Below is an expanded explanation of the extra cover included within our cruise travel insurance:
If you’re feeling a bit poorly and need to be confined to your cabin, make sure you confirm it with the ship’s medical officer so we can help with your compensation cover. We’ll pay £100 for each day you’re trapped inside, up to a limit of £1,000. If this confinement is due to a pre-existing illness you must have disclosed and discussed this with us prior to your cruise insurance purchase. Get in touch today either online or on the phone.
If your cruise is interrupted because you need unexpected hospital treatment, we’ll cover up to £1,000 to help get you to the next port in order to re-join the cruise and continue your holiday. Alternatively, our insurance policies cover repatriation where necessary.
If your cruise ship misses a port due to poor weather or timetable restrictions, our cruise insurance will cover you for up to £100 per port for up to 5 ports.
Missed port departure
No-one’s holiday deserves to be lost at sea! If you missed your cruise due to problems with public transport, experienced a vehicle breakdown or were affected by accident-induced traffic jam en-route to the port – we’ll cover up to £1,000 to get you to the next docking port point to meet your cruise.
If you missed out on some great activities or excursions that you’d booked and paid for before suddenly being taken ill and confined to your cabin, our cruise travel insurance will cover you up to £500.
(Note: The above is only available on our Silver, Gold and Black policies, and only when you pay the extra premium for cruise cover)
For more detail on what you’re covered for, see our full cruise travel insurance policy breakdowns.
We can cover your kids for free!
If you’re going away with your children, we can cover them on your policy at no extra charge, whether you buy an annual policy or single trip cover.
We cover over 50 activities!
All of our travel insurance policies come with cover for over 50 activities and sports as standard, so you can get up to more on your trip.
DOES CRUISE TRAVEL INSURANCE COVER CORONAVIRUS?
If you are able to travel, either because the FCDO advice changes to allow it or because your trip is already legally permitted under the rules, you will be covered for:
- Medical expenses if you need treatment for Coronavirus while abroad, including up to £2,000 to cover additional accommodation costs if this treatment means you need to extend your trip.
- Cancelling or cutting short your trip if you, a member of your family or travelling party, are medically diagnosed with Coronavirus or personally instructed to isolate by an NHS service or medical professional.
Please note that there is no cover for any other Coronavirus-related claims, including lockdowns, quarantines or other government restrictions. All other terms and conditions of the policy apply.
Do you need travel insurance for a domestic cruise?
Whatever the destination of your cruise, you will need travel insurance. Cruise travel insurance makes sure you’re fully covered by including elements of cover that are extra and specific for cruises.
Can I buy travel insurance after booking a cruise?
Some travel operators require you to buy your insurance at the same time as booking your cruise holiday. Others are more flexible as long as you obtain your cruise travel insurance before you set sail.
Cruise travel insurance with medical conditions
We cover a wide range of medical conditions on our policies, including those with cruise cover, and we will never refuse to cover a diagnosed pre-existing medical condition without prior consideration. We can usually cover any medical conditions with an additional premium, and medical cover on your cruise holiday is no exception.
You can check through our policy documents for further details on cruise insurance with medical conditions we cover, or just call our customer services line on 0330 400 1383.