Why do I need travel insurance on a cruise?

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.



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Some destinations now require travel insurance with COVID coverage. Even if travel insurance is not required for entry, you may find that having it in case of emergencies gives you the confidence to enjoy your trip more fully.

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If you'd rather have the money back, travel insurance is the better option. 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.

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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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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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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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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.

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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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Many people suggest $100 per day, and this has generally worked well for me in my cruising experiences, but there are a lot of variables to consider. Here are some guidelines to help you decide how much money to bring on a cruise.

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