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"Adding bells and whistles, like 'cancel for any reason' [coverage], rates can rise to 11% to 12% of the cost of your trip." Walch advises all travelers booking a cruise to consider a plan that includes cancellation coverage for COVID-19. According to Walch, "You'll need a doctor saying that you have been diagnosed with COVID and specify that you are unable to travel."
How You’re Getting There
For example, you might choose standalone trip cancellation insurance or a travel medical insurance policy but decide you don’t need coverage for missed connections or baggage. Not all travel insurance policies provide top-notch coverage for cruises, so we evaluated 37 travel insurance policies with missed connection coverage to find the best cruise insurance. We scored policies based on cost, trip cancellation, trip interruption and medical expense benefits.
What To Look for in a Cruise Travel Insurance Policy
A pre-existing medical conditions exclusion waiver allows your emergency medical expense coverage to pay for treatment related to conditions you’ve been treated for in the months leading up to your trip. Trip cancellation insurance reimburses you for 100% of your prepaid, nonrefundable trip expenses when you decide not to travel for a reason your policy covers. It typically includes things like the death of a family member, illness or injury and natural disasters, to name a few. WorldTrips offers the best cruise travel insurance, according to our analysis. If you’re shopping for travel insurance for a cruise, use this guide to compare the cost and coverage of top-scoring plans.
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Cruise Travel Insurance Plans
But if your excursions involve adventure activities or extreme sports, be aware that many travel policies exclude these from coverage. Still, there are adventure travel policies and optional upgrades that will cover injuries due to activities such as mountain climbing, parasailing, skydiving and hot air ballooning. Whether it’s your first voyage or you’re a cruise veteran, having the right travel insurance is important. This is especially true if you’re a senior traveler who wants a high level of medical coverage while traveling. Cruise insurance is worth considering if you can’t afford to lose the money you paid in advance for nonrefundable trip costs if you have to cancel your cruise. AIG’s Travel Guard Preferred plan provides solid benefits at a very low average price.
Coverage for Pre-existing Medical Conditions
Here’s a look at whether top coverage types are included in the Trip Protection Choice policy. Here’s a look at whether top coverage types are included in the Travel Guard Deluxe policy. Here’s a look at whether top coverage types are included in the Cruise Luxury policy.
The information is accurate as of the publish date, but always check the provider’s website for the most current information. Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. This coverage applies to transportation by common carriers such as airlines, buses and trains.
For even more information about Cruise Insurance coverage, check out our “Travel Insurance for Cruises” section. Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S.
That’s because older travelers tend to have a higher likelihood of filing medical claims. Here’s a look at whether top coverage types are included in the Cruise Choice policy. Here’s a look at whether top coverage types are included in the TripProtector Preferred policy. Here’s a look at whether top coverage types are included in the Travel Select policy. Here’s a look at whether top coverage types are included in the Premium policy. Here’s a look at whether top coverage types are included in the Platinum policy.
Best Cruise Travel Insurance, Cancel for Any Reason Coverage: John Hancock Insurance Agency
Most American health insurers and Medicare will not cover foreign medical treatment under standard coverage. Cruise insurance eliminates or greatly reduces out-of-pocket expenses. It’s best to do this comparison before booking your trip or as soon as possible after booking. Certain aspects of standalone travel insurance policies only apply when you buy the policy far enough in advance of your departure date. Cruise travel insurance is a good idea if you’ve spent more on a cruise than you can afford to lose. This coverage protects you financially from unforeseen events that can disrupt your plans, both before and during your cruise.
Even a meticulously planned cruise can run into unforeseen disruptions — and cruise insurance can come in handy for the unexpected. Your travel insurance might not cover everything you want to do — particularly if you plan on adventure activities. Here’s our complete guide to adventure and extreme sports travel insurance. Every cruise line offers some kind of protection plan to it passengers.
Cruise bookings can be unforgiving, and cruise insurance can help you minimize your risk of losing the money you’ve paid for your trip. Travel insurance coverage is often a good idea if you’re concerned about losing nonrefundable prepaid travel expenses or covering emergency medical expenses. Also, your own health insurance may not cover cruise travel or medical attention onboard a ship. Often, some personal insurance plans do not protect passengers once they have sailed more than six hours from any U.S. port.
You can buy cruise insurance from your cruise line, through a travel agent or from a travel insurance agent or company. Additionally, the Travel Guard Preferred plan includes benefits if (under certain conditions) you must start your trip earlier than planned—a feature not found in all policies. Stay healthy while abroad with travel medical insurance for emergencies. Here’s how average trip costs for five popular destinations are trending over the next three months. Numbers reflect the average of non-refundable trip costs being insured.
All of these contingencies and more can be covered; it's just a matter of finding the best insurance policy for you. Here's how to evaluate which plan is the right choice for you, as well as five of the best cruise travel insurance plans available. Trawick’s Safe Travels First Class policy provides solid benefits at a great average cost, including high medical evacuation limits and good missed connection coverage. Nationwide’s Cruise Luxury plan provides an array of extensive benefits at a decent price, including superior missed connection coverage and emergency and non-medical evacuation benefits.
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