What is the best travel insurance company for cruises?

6 Best 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.




Choosing the "best" cruise insurance depends on your specific needs, but in 2026, several companies consistently lead the market. Tin Leg is frequently cited as the best for "value," offering high medical coverage limits at competitive prices. Seven Corners is often the top pick for "Medical Evacuation" coverage, which is crucial for cruises where being airlifted from a ship can cost upwards of $50,000. Travel Insured International is highly regarded for its "Missed Connection" and "Travel Delay" benefits, which are vital if a flight delay causes you to miss your ship's departure at the first port. For seniors, IMG (International Medical Group) offers specialized plans that handle pre-existing conditions more flexibly than others. When shopping, the most important cruise-specific features to look for are "Financial Default" (protection if the cruise line goes bankrupt) and "Itinerary Change" coverage, which pays out if the ship is forced to skip a port due to weather or mechanical issues.

People Also Ask

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.

MORE DETAILS

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.

MORE DETAILS

Not only can travel insurance for cruises help protect the money you spend on your trip if you have to cancel or come home early for a covered reason, but it can also help with medical expenses if you get sick or hurt while away from home on a cruise.

MORE DETAILS

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.

MORE DETAILS

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.

MORE DETAILS

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.

MORE DETAILS

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.

MORE DETAILS

A typical Caribbean cruise travel insurance policy may come with many features such as:
  • Trip Cancellation.
  • Trip Interruption.
  • Trip Delay or Missed Connection.
  • Baggage Delay or Loss.
  • Medical Expenses.
  • Emergency Medical Evacuation / Repatriation.
  • Financial Default.
  • Repatriation of Remains.


MORE DETAILS

Consistently high ratings from independent financial rating agencies – Standard & Poor's (AA, Very Strong), Moody's Investors Service (Aa3), and A.M. Best (A+, Superior) – reflect our high liquidity, stability, integrity, and strength.

MORE DETAILS

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.

MORE DETAILS

If you miss a cruise due to a delayed or canceled flight not booked by the cruise line, you will typically not be given any refund or compensation. If the cruise line booked your flight, they are responsible for extra travel costs in the form of an extra night in a hotel and transportation for you.

MORE DETAILS