Can you book travel insurance after booking a cruise?

You can purchase cruise travel insurance immediately after booking your trip until just before your departure.



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Here are some examples: The unexpected death, illness, or injury of you and/or a family member. Being unable to participate in a sporting event due to a medical condition when the purpose of the trip was participation in that sport. Unforeseen natural disasters at home or at the destination.

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If you'd rather have the money back, travel insurance is the better option. Another one of the most important differences to recognize between travel insurance and the protection you might buy directly from the cruise line is that the cruise line typically only covers the cruise itself.

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Depending on which cruise line you're traveling with, you might be able to buy a travel insurance policy when booking your trip (through the cruise line directly) or at a later date (either through the cruise line or separately from a third party). Protecting travel costs can be a smart money move.

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It's the best time to buy cruise insurance – as soon as you make your initial trip deposit, while it's still fresh in your mind.

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A typical Caribbean cruise travel insurance policy may come with many features such as:
  • Trip Cancellation.
  • Trip Interruption.
  • Trip Delay or Missed Connection.
  • Baggage Delay or Loss.
  • Medical Expenses.
  • Emergency Medical Evacuation / Repatriation.
  • Financial Default.
  • Repatriation of Remains.


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The purpose of travel insurance is to cover the nonrefundable costs associated with your trip in case of an unforeseen event. Odds are that you won't use your travel policy, but you need to have it, just in case, unless you are willing to risk thousands of dollars on your nonrefundable cruise reservation.

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Add on cruise ship travel insurance allows you to be insured for those extra things that you might not need on a standard trip. For example if bad weather occurs, and you're unable to make a scheduled port stop and are unable to go to an alternative port, then cruise travel insurance will cover this.

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