Do you need travel health insurance for a cruise?

Having a cruise travel insurance plan with medical expense coverage and any necessary medical transport coverage is invaluable if you find yourself with an unexpected illness or injury. Or, if unforeseeable bad weather interrupts your trip, Travel Guard has coverage options to help protect you.



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With those factors in mind, it's very often now that the answer is: Yes, you should insure your cruise. The purpose of travel insurance is to cover the nonrefundable costs associated with your trip in case of an unforeseen event.

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The short answer is: It's not too late! You absolutely can buy travel insurance after booking your trip. However, it's always best to purchase insurance as early in the process as possible. If you procrastinate, you may miss out on certain benefits.

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Original Medicare (Parts A & B) may cover medically necessary health care services on a cruise ship, if the ship you're on when you receive the care is in a U.S. port or no more than 6 hours away from one when you get the services. That means the ship can be in the water, but must be within six hours of a U.S. port.

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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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Travel insurance is designed for holidaymakers to cover cancellations, personal belongings and emergency medical treatment, whereas international health insurance is designed to cover inpatient treatment check-ups and continuing treatment of chronic conditions abroad.

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The nearest US embassy or consulate can help travelers locate medical services and notify your friends, family, or employer of an emergency. They are available for emergencies 24 hours a day, 7 days a week, overseas and in Washington, DC (888-407-4747 or 202-501-4444).

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