HomeTravel InsuranceCruise travel insurance

Whether you’re sailing on the seas or a river, we’ve designed our cruise travel insurance to keep you protected onboard and ashore. With no upper age limit and cover for pre-existing medical conditions, we cover potential issues that are specific  to cruise travel.

What is cruise travel insurance and do you need it?

Just as cruises provide a unique style of holiday, they can also potentially come with their own unique issues. For example, bad weather could mean missed excursions or, if you get particularly unwell on a cruise, it could cost tens of thousands of pounds to airlift you for medical treatment. That’s why our cruise travel insurance covers you for any cruise-specific issues you could encounter.

For example, cruise insurance means you’re financially protected for costs from:

Some cruise providers require you to have comprehensive travel insurance arranged to travel – just one more reason to make sure you’re fully covered. 
To get cruise travel insurance, you’ll need to buy travel insurance and add the cruise cover option while you’re looking at the quote.

What does InsureandGo’s cruise travel insurance cover?

What’s covered?

(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 details on what you’re covered for, see our full cruise travel insurance policy breakdowns.

Anything else?

All our yearly holiday insurance policies include:

The excess and amount of cover available varies depending on the level of travel insurance you buy. Make sure you have a look at our policy wording to see the full terms and conditions.

What’s not covered?

We aim to provide as much cover as we can on our policies. However, there are some situations no travel insurance will cover. For example:

Remember that to get cruise insurance, you need to book travel insurance and add cruise cover to that policy.

The best travel insurance for your cruise

Cruise insurance can be added to another type of travel insurance, and we have plenty of options to suit your holiday style. Wherever you’re travelling, and however long for, we’ll have a policy for you: 

Choose a cover level to suit your travel needs

Excess Payable 
BenefitSum insuredSilver GoldBlack
Cabin confinement£100 per day up to £1,000£0£0£0
Cruise interruption£1,000£60£50£0
Itinerary changes£100 per port up to £500£0£0£0
Missed port departure£1,000£60£50£0
Unused excursions£500£60£50£0

Which destinations are covered by our cruise travel insurance?

Our travel insurance policies are based on the following four groupings:

*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.

If you’re already insured for a particular geographical group but want to make changes or add in new countries, we can always alter that for you. Just give us a ring, or send us an email.

How to buy travel insurance for cruises

We know your to-do list for your next trip can be a long one, so we make getting cruise insurance as simple as possible:

1. Let us know a little info

We need to know a bit about your cruise, who you want to cover and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can ensure we provide you with the right level of cover. 

It’s quick and easy to give us this information, either online or by calling our team:

2. Get your quote

Once we have all the details we need, we will send you your quote. At this stage, you can go ahead and buy your policy, or save the quote for the future.

Cruise travel insurance with pre-existing medical condition cover

We cover a wide range of medical conditions on our policies, including those with insurance for a cruise, and we will never refuse to cover a diagnosed pre-existing medical condition without prior consideration. 

We consider pre-existing medical conditions to be any illness or condition that has occurred before you take out an insurance policy, ranging from asthma to cancer. We can usually cover any medical conditions, often with no additional premium, and medical cover on your cruise holiday is no exception.

All you need to do is disclose your pre-existing condition during your quote, and we’ll sort the rest.

Frequently asked questions on cruise travel insurance

Why do I need special insurance for a cruise?

You need special insurance for cruises in case you run into any cruise-specific complications. These include things like cabin confinement if you are unwell, missed departures for any reason, and unused excursions, as well as typical holiday issues like delays or cancellations. 

Some normal travel insurance plans might cover some of these problems, like delays or cancellations, they won’t cover cabin confinement and might not cover repatriation.

Do you need travel insurance for a domestic cruise?

Whatever the destination of your cruise, you will need to add cruise cover to your travel insurance – even if it’s a cruise around the UK. Cruise travel insurance makes sure you’re fully covered and includes elements of cover that are specific to cruises, such as being airlifted to the mainland.

While typical UK travel insurance usually covers land-based holiday issues, they won’t cover many of the issues you could face on a domestic river or sea cruise holiday.

Can I buy travel insurance after booking a cruise?

Some travel operators may require you to buy your insurance at the same time as booking your cruise holiday. Others are more flexible as long as you purchase your cruise travel insurance before you set sail.

It is a good idea to check with your cruise provider before booking insurance. Some cruise providers have specific requirements for travel insurance, such as having a certain amount of medical and COVID-19 cover.

How much is cruise insurance?

Insurance for a cruise doesn’t have to be expensive. The price you pay will depend on where you’re going, how long for, and whether you have any medical conditions. Choose either a single-trip or annual multi-trip policy and you’ll be given the chance to add cruise travel insurance to your policy.

Will my EHIC or GHIC cards cover my cruise?

The GHIC, or EHIC as it was previously known, does not cover specific costs that you might encounter when on a cruise, and it does not cover repatriation costs either. 

Although the GHIC covers some of the medical costs when travelling in Europe, the UK Government website recommends that all UK travellers take out appropriate travel insurance when travelling abroad. It’s also important to note that the GHIC will not cover other cruise-specific issues, such as missing the departure or cabin confinement.

Does regular cruise insurance cover medical expenses?

Our cruise travel insurance covers emergency medical bills, as well as other complications, like delays, cancellations and missed departures. 

 Be sure to check the wording on your policy to find out exactly what is covered and what is not.

Who can buy an InsureandGo cruise insurance policy?

All our annual travel insurance policies are available to UK residents. This means:

Unfortunately, we can’t provide cover to anyone who doesn’t fit this description. 

Get a quote online or browse our policy documents for more information.
To choose the right cruise travel insurance policy for you, get a quote online or read our policy documents for more information.

Frequently asked questions

If you’ve got more questions about how our cruise travel insurance works, or more general travel insurance queries, have a read through our FAQs.

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

*Discount excludes any premium generated to cover medical conditions or optional extras & is automatically applied. This offer cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between £0-49, 10% for £50-249, & 20% for £250+ apply. Offer ends at 23:59 on 02/09/24. T&Cs apply.

  1. Unlimited emergency medical expenses available on Black level policies.
  2. InsureandGo’s Gold achieved a Which? Best Buy.