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Do you need to add Cruise Cover to your Travel Insurance?

Its an important question to consider when looking for insurance to cover your cruise: Do I need to add Cruise Cover to my Travel Insurance?

When planning a cruise, the excitement of all the planning for the ports you will visit and what you will get up to onboard often takes centre stage. However, amidst all the excitement, it’s crucial not to overlook a key aspect of your travel preparations: insurance!

While most travel insurance policies cover cruises, adding specific cruise cover offers a range of additional benefits that can safeguard your trip against unforeseen events.

Standard Travel Insurance for Cruises

Standard travel insurance typically includes essential coverage such as trip cancellation, medical emergencies, lost luggage, and delays. However, cruises have unique elements that standard travel insurance may not fully address. This is where adding cruise cover becomes beneficial.

The Benefits of Cruise Cover

We’ve taken a look at CoverForYou* which offers Cruise Cover to their policies from £7 per person to see what benefits there are, when taking out this add on.

Missed Port Cover: Cruises often include multiple ports of call, however, due to weather conditions, mechanical issues, or even timetable restrictions, a ship might miss a scheduled port, with no alternative offered. Missed port cover compensates you for these missed stops, ensuring you don’t lose out financially if an expected port on your trip is skipped.  You’re even covered for things like accommodation and travel if you arrive late at your departure point, or if you miss your ship at a point of call because of an unexpected delay like bad weather or a traffic incident.

Cabin Confinement Cover: No-one wants to get ill on a cruise, but should the worst happen, the strict health protocols on ship may result in you being confined to your cabin. Cabin confinement cover provides compensation for the days you are unable to enjoy the ship’s amenities and activities. This cover ensures that your cruise experience is not entirely lost due to illness.

Unused Excursions Cover: Pre-booked excursions are a popular part of cruise vacations, offering tailored experiences at various ports of call, but these are not cheap! If your cruise itinerary changes or you are unable to participate in an excursion due to illness or injury, unused excursions cover ensures that you are reimbursed for these prepaid activities. This way, you don’t lose money on experiences you couldn’t enjoy.

Importance of Reading the Policy Wording

Before purchasing travel insurance, it’s essential to read the policy wording thoroughly. Insurance policies can vary widely in terms of what they cover, the extent of the coverage, and the exclusions.

Some key points to consider include:

  • Coverage Limits: Verify the maximum amounts payable for various types of claims.
  • Exclusions: Be aware of any circumstances or activities that are not covered.
  • Claim Procedures: Understand the process for filing claims, including required documentation and deadlines.

If you would like to get a cruise travel insurance quote, take a look at CoverForYou* who offer Defaqto five-star Expert rated travel insurance and cruise cover which now includes “Doctor Please!”: A brand new service CoverForYou is now offering all policyholders free of charge and provides 24/7 access to a virtual UK doctor for on the spot medical advice and prescriptions, no matter where you are.  You can use it as many times as you like.


If you are just looking for a quote, click on the CoverForYou logo above!

Why not take a look at this article next: Exciting news – Book your cruise with Cruise Monkeys!