What insurance cover do I need for a cruise?

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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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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If you're treated on board, prepare to receive a hefty medical bill from the cruise line. Your regular health insurance likely won't cover you. Not even Medicare, which doesn't cover health care services when the ship is more than 6 hours away from a U.S. port.

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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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As long as you haven't yet departed, it's not too late—but your plan choice may be limited. When you get an online quote for travel insurance and enter today as your day of departure, you'll see just a few plans that are available for last-minute travel. Your single-trip plan option is OneTrip Emergency Medical.

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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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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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Most cruise ships are required to have a morgue on board as well as enough body bags in case of an emergency. The body will be kept at the morgue until it can be disembarked at the next major port or at the port of origin.

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If a port of call is cancelled during the course of a voyage, guests will be alerted via letters sent to their rooms and announcements over the ship's loudspeakers. All port fees related with that specific port of call will be returned, as will any shore trips booked via the cruise line for that port.

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In some cases, a canceled cruise is subject to a partial or complete refund. Conditions vary from one cruise line to another, however, so there is no hard and fast answer that will apply to all canceled cruises. Many people book cruises through travel agents, who offer refund policies.

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