When should you purchase cruise insurance?

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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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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Where to find a cruise travel insurance policy. You can buy a travel insurance policy directly from your cruise line when booking your trip, or through your travel agent (if you're using one, which often is a good idea when booking a cruise).

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Cruise Line Travel Protection Drawbacks Medical coverage - Typically lower than what we see on 3rd party travel insurance plans. Cancel for Any Reason - Typically offered through the cruise line as a type of waiver, and reimburses credits/voucher, not cash as a third-party plan would.

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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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This means that if you must cancel your trip at the last minute, or if your travel is interrupted by circumstances beyond your control, your travel insurance won't be able to reimburse you for lost trip costs. Another option for same-day departure is AllTrips Basic.

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It is possible that last minute holidays can be cheaper, but it is not guaranteed. Sometimes, last minute travel deals can be found because the airline, hotel, or travel company is trying to fill seats or rooms that would otherwise go unsold. In these cases, they may offer discounts to encourage people to book.

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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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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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