What is the best company for cruise insurance?

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.




People Also Ask

Some companies require that you buy cruise insurance within two weeks of making the initial deposit, particularly if you're hoping for pre-existing medical coverage. The longer you wait to buy cruise insurance, the higher the price may become.

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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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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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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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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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But shipboard medical problems can get very serious — and very expensive — fast. 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.

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Important: While travel insurance policies may be more comprehensive than credit card protections, there are limitations. They typically won't cover non-essential medical expenses, high-risk sports or activities, or pre-existing conditions — at least without paying for add-on coverage.

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Original Medicare (Parts A & B) may cover medically necessary health care services on a cruise ship, if the ship you're on when you receive the care is in a U.S. port or no more than 6 hours away from one when you get the services. That means the ship can be in the water, but must be within six hours of a U.S. port.

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