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Cruise travel insurance

If you’re going on a cruise, adding our specialist insurance for cruise travel to your travel insurance policy gives 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 and we’ll consider any medical conditions.

What is cruise travel insurance?

Cruise travel insurance is insurance designed specifically for cruises. If you’re looking for travel insurance for a cruise, you’ll need to add the cover to your normal holiday insurance when you buy your policy (or contact us to add it later). Adding cruise cover means you’ll be protected while at sea, and includes extra cover for problems exclusive to cruise travel.

How much is cruise travel 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.

What does cruise travel insurance cover?

Our cruise holiday insurance includes extra cover for:

Policy limits apply. Please see the below table for details of these limits and the excess payable:

BenefitSum insuredSilverGoldBlack
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

Cruise travel insurance expanded

Below is an expanded explanation of the extra cover included within our cruise travel insurance:

Cabin confinement

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.

Cruise interruption

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 for cruise holidays covers repatriation where necessary.

Itinerary changes

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 cruise ship on port

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.

Unused excursions

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.

What types of travel insurance cover cruises?

All types! Cruises can be covered on either single trip or annual multi-trip policies. Simply add our cruise cover when you buy your policy, or get in touch to add it later if your plans change. We even offer family cruise travel insurance, to cover all your loved ones under a single policy!

So whether it’s a one off cruise or you need annual multi-trip travel insurance with cruise cover for the whole year, get a quote today!

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. Cruise travel insurance makes sure you’re fully covered and includes elements of cover that are specific for cruises.

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 obtain your cruise travel insurance before you set sail.

Cruise travel insurance for pre-existing medical conditions

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 can usually cover any medical conditions, often with no additional premium, and medical cover on your cruise holiday is no exception.

To choose the right cruise travel insurance policy for you, get a quote online or get in touch for more information.


  1. Unlimited emergency medical expenses available on Black level policies.
  2. Based on 2,050 responses, correct as of 22/01/2024