How far in advance can you buy cruise insurance?

In general, you can buy coverage any time before the date of your trip. That said, it's always best to buy coverage as soon as you make your reservations. The sooner you buy travel insurance, the sooner you'll be protected and the more benefits you may be eligible to receive.



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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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Some destinations now require travel insurance with COVID coverage. Even if travel insurance is not required for entry, you may find that having it in case of emergencies gives you the confidence to enjoy your trip more fully.

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Cruise insurance can cost from 5% to 10% of your total trip cost, though that amount can be influenced by: Your age. How much you're spending on your trip. The length of your cruise.

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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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Top 6 Cruise Insurance Companies of 2023
  • Nationwide Travel Insurance: Our pick for cruise travel.
  • Faye: Our pick for all-online experience.
  • Travelex Insurance: Our pick for budget travelers.
  • Berkshire Hathaway Travel Protection: Our pick for luxury travelers.
  • AXA Assistance USA: Our pick for leisure travelers.


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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. In other words, the cruise line might reimburse you if you have to cancel but only for your fare.

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