If you are going on a cruise you may need extra travel insurance cover to make sure you are fully protected.

Many insurers offer cruise travel cover as an optional extra that can be added to your policy for an additional cost.

Cruise cover can give you added protection on top of the standard benefits of a travel insurance policy.

What does it cover?

  • Missed departure: You can claim if you are unable to board your cruise as a result of public transport failure, a traffic delay or poor weather conditions.

  • Cabin confinement: You can usually claim for every 24 hour period you are confined to your cabin by the cruise ship doctor for medical reasons.

  • Unused cruise excursions: You can claim back the cost of any excursions you cannot use because you have been confined to your cabin after an accident or illness.

  • Change to cruise itinerary: You can claim if any ports of call on your cruise have to be cancelled due to bad weather or timetable restrictions.

Some cruise insurance policies also cover repatriation and extended protection for your baggage and valuables.

Most policies cover any cruise destination like the Mediterranean, Baltic or Caribbean, but you should check with your insurer before you go on holiday.

Get the best policy for you

Before you compare you need to think about:

You can then use our comparison to find the right cruise travel insurance policy for you.

To find companies that have been highly rated by other customers, use our travel insurance review page.

To get the cheapest possible deal, try these 8 ways to cut the cost of your travel insurance.

Cruise travel insurance FAQs


Will standard travel insurance cover me while I am on my cruise?


Yes, standard cover will still protect you on a cruise, but you will not have extra protection for things like cabin confinement and missed departure.


How can I get cheaper cruise travel insurance?


You should shop around for quotes using the comparison above. You can also try these 8 ways to cut your travel insurance costs.


Can I use my European Health Insurance Card (EHIC) on a cruise?


No, your EHIC will not cover you on a cruise ship or private boat, even if you are docked at a port in the EU.


Can I get cruise cover with pre-existing medical conditions?


Yes, but it can be more expensive and not all insurers will cover you. This guide explains how to find travel insurance with pre-existing conditions.


How long will I be covered for on my cruise?


Most insurers offer maximum trips lengths of between 31 and 365 days, but this varies. Our comparison shows the trip length offered by each insurer.