Is cruise insurance same as travel insurance?

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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Normally you can ask your insurance company to amend your existing policy to include cruise cover, at an additional cost.

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Buying 50 Days Before Departure Buying cruise insurance at this time also takes the “panic” factor out of your purchase. There'll be lots to think about right before you leave. Buying 50 days out means you won't be worrying about “what-if” scenarios right up to departure date.

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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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Where to find a cruise travel insurance policy. You can buy a travel insurance policy directly from your cruise line when booking your trip, or through your travel agent (if you're using one, which often is a good idea when booking a 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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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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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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Identification. For most cruises, you'll need a passport book that's valid for at least six months from the day your sailing ends.

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One benefit that cruise travel insurance policies offer that credit cards don't is the ability to cancel for any reason. Although you may not get back 100% of the cruise price, these policies allow you to cancel for any reason and get a portion of the price back as a credit toward a future trip.

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A single cruise insurance policy can cover multiple family members. However, each cruiser has their own premium. Families cruising with children can also benefit from the family-friendly pricing found in ExactCare?, where coverage for two children is included in the premium of every insured adult.

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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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At several of the biggest cruise brands, including Carnival Cruise Line and Holland America, the main drinks packages that include all types of drinks cost about $60 per person per day. Other brands, such as Norwegian Cruise Line, charge as much as $138 per person per day for a top-tier package.

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Activities on Cruise Ships Activities That Cost Extra on Cruises: Bingo, casino play, arcade games, escape rooms and golf simulators will all cost you extra on most ships. Additionally, hands-on cooking classes, wine and liquor tastings, and a few other courses require an extra charge outside your fare.

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