Should you get insurance on a Carnival cruise?

We strongly recommend all guests purchase the appropriate international travel insurance for their cruise. Travel insurance can offer protection against a range of unforeseen events, including medical costs, repatriation and other expenses that might occur if things do not go according to plan.



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Cruise insurance can pay much of the cost of an emergency medical evacuation. In addition, it can also help arrange transport – not just for the patient, but for a cruising companion. That's why the U.S. State Department explicitly states, “You should strongly consider purchasing evacuation insurance.”

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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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Most cruise insurance plans may cover medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage when you're on a cruise. Cruise insurance can also cover cruise-ship disablement and pre-existing conditions, depending on when you buy coverage.

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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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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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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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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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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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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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Cruise ship doctors work as independent contractors and may charge a basic hourly fee. There will be additional charges for medications and tests. All must be paid for at the time of service and will be billed to your shipboard spending account.

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On This Page
  1. Drink alcohol responsibly.
  2. Buddy up.
  3. Practice in-cabin safety.
  4. Be safe on your balcony.
  5. Use your safe.
  6. Get to know your steward.
  7. Don't carry large amounts of cash.
  8. Don't accept an invitation to crew quarters.


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Cruise ships can treat a wide range of illnesses and injuries on board. Some onboard medical facilities look like urgent care centers, while others are more like doctor's offices. Health insurance often does not cover medical care on cruises, but travel insurance might.

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