Why it matters on a cruise
Your regular health insurance may not cover care on a ship or in a foreign port, and medical care at sea can be expensive. A cruise also has fixed sailing times, so a delayed flight can mean missing the ship.
This page is general information, not insurance advice. Coverage depends on the exact policy you buy.
What policies may cover
- Trip cancellation or interruption for covered reasons
- Emergency medical care and medical evacuation
- Missed departures or delays
- Lost or delayed baggage
Questions to ask before you buy
- What reasons for cancelling are covered, and which are not?
- Are pre-existing conditions covered, and is there a deadline to qualify?
- How much medical and evacuation coverage is included?
- Is it a cruise line's own plan or a separate policy, and how do refunds work for each?
- Is there a “cancel for any reason” option, and what does it pay back?
Timing can matter
Some benefits are only available if you buy the policy within a set time after your first trip payment. Ask about this when you book, not just before you sail.
What I handle for you
I can point out the protection choices that come with your booking and make sure you see the terms before you decide. The choice of whether to buy, and which policy, is always yours.