What happens if someone has a medical emergency on a cruise?

Usually, the decision is made to disembark the patient at a location where the relevant medical facilities are available. If the necessary facilities are not available at this location or if the patient wants to get back home, an air ambulance is usually needed for medical evacuation or for medical repatriation.



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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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For travelers going on cruises or international, we'd recommend looking at plans that offer $150,000 per person for evacuation and repatriation. The cost of getting evacuated off of a cruise ship can vary greatly depending on where you are at that particular time.

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Medical staff varies by ship size, but typically ships have a doctor and at least two nurses. The world's largest cruise ships may have two doctors and five or six nurses. River ships and small ships that hover close to shore have less staff since they can easily access health facilities on land.

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Cruise ships do not have police. Instead, an onboard Security Director will oversee the ship's own dedicated security department, staffed by former federal, state and military law enforcement personnel from various countries.

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A guest that is diagnosed as having an infectious disease by a member of our medical staff onboard will need to isolate onboard for a period of time — either until they can be safely disembarked at a port of call with private transport home, or when the sailing concludes back at the home port where it started.

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In 2023, a decade-high number of cruise ships have reported an unwelcome passenger on board: norovirus. Outbreaks of the stomach bug have surged on cruise ships this year, reaching the highest levels seen in 10 years.

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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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Travel medical insurance provides reimbursement for emergency medical expenses, including medical evacuations, while you're traveling. These policies do not provide coverage for routine expenses. So, if you break your leg while you're on vacation internationally, emergency medical coverage will protect you.

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If you have a medical emergency on your cruise and can't be treated onboard, cruise emergency medical insurance can help pay for your evacuation. On the other hand, if your medical emergency is treated at the ship's medical facility, cruise insurance can help pay for that as well.

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How much travel medical insurance do you need? Squaremouth, a travel insurance comparison site, recommends buying at least $50,000 in emergency medical coverage for international travel. For travelers going on a cruise or to a remote destination, the site recommends at least $100,000 in coverage.

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