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Cruise Travel Insurance

We cover All Ages and Pre-Existing Medical Conditions on our cruise travel insurance policies
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Cruise Travel Insurance with Covid-19 cover.

Travel Insurance is a crucial part of any trip – especially Cruise holidays. If something goes wrong, either onboard the ship or before you depart, our Cruise Travel Insurance will cover you against the unforeseen.

Just Travel Cover compares several specialist insurers and prices, to find you affordable cover, catered to your specific needs and the needs of cruise travel, such as missed port departure and cabin confinement cover. Most of our Cruise Travel Insurance providers will offer cover for cancellation, loss of possessions, cost of emergency medical treatment and medical evacuation. Some of our policies will cover the cost of travelling home in the rare case of needing to leave the cruise ship due to medical reasons.

Our Cruise Travel Insurance has no age limit, with some conditions* depending on the insurer. The policies include cover for hundreds of Pre-existing Medical Conditions and if you are visiting multiple destinations while away, they are included in our Cruise Travel Insurance policies, as well as the flight element.

IMPORTANT NOTE: Most Cruise companies now specify that you must have cruise-specific Travel Insurance in place before setting sail. You will typically be asked to confirm you have travel insurance at the terminal and you may need to provide proof of your policy. In most cases, you will be denied boarding, at your own expense, if you do not arrange insurance. Use our checklists below to find out what is covered by our policies.


Going on a UK Cruise?

You will still need Travel Insurance if you’re going on a “Seacation“, with some cruise lines asking  for up to £2m medical cover.

Even though you are cruising on UK waters you must consider the risk of needing emergency medical treatment on board (which is usually private and not covered by he NHS), and in more serious circumstances evacuated and moved to the nearest on-land hospital. There are costs that come with this including repatriation.

We do have policies that include cover for this, so please use this link if you are going on a UK cruise and need £2m medical cover.

Cruise Travel Insurance FAQ’s

Frequently asked questions about our Cruise Travel Insurance policies.

What is cruise insurance?

Cruise Travel Insurance will provide protection for things that might go wrong on the run-up to your cruise, or while you’re on board.

What does cruise travel insurance cover?

You may need to cancel your cruise because of a medical emergency or the death of a loved one, or you may need emergency medical treatment onboard. Cruise Travel Insurance will cover costs if you need transportation to a hospital on land and treatment in a foreign hospital. There are also additional benefits with some insurers including cabin confinement and cruise interruption cover, for example, if you need treatment on dry land but are then passed well enough to join your cruise.

Do your cruise policies cover Covid-19?

Most of our policies provide cover against the threat of Coronavirus. This includes cover if you need to cancel your cruise because you test positive in the 14 days leading up to your cruise, or if you test positive and become ill while on holiday.

If you do become ill with Covid-19 on holiday you will be covered under the emergency medical expenses section of your Cruise Travel Insurance policy. If you need to extend your stay in a particular destination or need to quarantine most insurers will provide cover if deemed medically necessary. Terms and limits apply.

Where can I go with cruise insurance?

Cruises are a great way to see multiple destinations in a short space of time. Whether you’re sailing around the UK, exploring Europe’s gems or discovering the beauty of the Caribbean you will still need Cruise Travel Insurance. Please note you will need to tell us every country you are travelling to, as the cost of medical treatment varies from country to country.

Do pre-existing medical conditions affect the cost of cruise insurance?

You should declare all pre-existing medical conditions when arranging Travel Insurance for your cruise. The policy will then cover the cost of care for any medical condition you have had in the past or suffer from now. The cost of insurance depends on a number of factors including your age, destination, trip length and medical history.

How much does cruise insurance cost?

The price you pay for your Cruise Travel Insurance is unique to your own circumstances and calculated taking a range of factors into account including where you are going, for how long and your age and medical history – it will also depend on how much coverage you want for things like cancellation and medical cover. For example, if you’re going on a cruise that costs £2,000 each, you will only need £5,000 cancellation cover, but if your cruise has cost £25,000 you will want to ensure that it is protected with more cancellation cover. We will compare a range of insurers to find the best deal for your own circumstances. 

Can you go on a cruise with a heart condition?

It’s important to declare if you’ve ever had a heart condition before you confirm your cruise travel insurance so you’re properly covered when you’re away. Just Travel Cover offers travel insurance for heart conditions, including heart failure and heart disease.

Can you get travel insurance for cruises with diabetes?

If you’re a diabetic then we can help you to find cruise Travel Insurance with cover for diabetes – just follow the medical screening questions online or give us a call and we’ll guide you through the process. 

Can you be insured for a cruise if you are living with cancer?

If you’re living with cancer and your GP has given you the green light to travel it is important you arrange Travel Insurance with the right level of cover – just in case there is a problem when you’re away. We know it can sometimes be problematic or expensive to find appropriate cover, which is why we work with specialist insurers and underwriters to help you find the right Travel Insurance for your cruise – just follow the online medical screening questions or give us a call and we will guide you through the process. 

Do mental health conditions affect my ability to get cruise travel insurance?

We will search a range of specialist insurers to help you find a Travel Insurance policy for your cruise if you’re living with mental health conditions, including anxiety and depression.

There’s up to £15m cover for medical expenses and having the right Travel Insurance in place will provide the peace of mind that if something unexpected happens when you’re on holiday, you’ve got the right cover.

Is there an age limit for cruise travel insurance?

There is no upper age limit on our policies, so even if you’re 90 years old and planning a worldwide cruise, we can help. We will only ever show you options for insurers that provide cover for your own circumstances. Subject to medical screening.

Is cruise insurance with no upper age limit more expensive?

The price you pay for Cruise Travel Insurance is dependent on a range of factors including age, medical history and destination, due to the cost of medical treatment in that country. Each quotation we provide is unique to you and we will compare prices during the quote process for you.

Will Just Travel Cover compare cruise travel insurance providers on my behalf?

Yes, we work with a panel of specialist providers and will show you all options when you enter your details online. You can choose bronze, silver or gold, depending on the level of cover you need. Alternatively, you can call us and we will compare a range of insurers for you to find the policy that is best suited to your needs. 

Recommended by these cruise specialists…

Cruise Travel Insurance: What’s covered?

  • Cover for emergency medical expenses up to £15m (including related to Covid-19)
  • Cover for repatriation (including emergency evacuations)
  • Cancellation and curtailment cover
  • Full cover for pre-existing medical conditions
  • Baggage cover up to £3,000 per person
  • Missed departure up to £1,500 per person
  • Cover for UK Cruises / Seacations
  • 24/7 Emergency medical assistance 

Cruise Travel Insurance: Benefits

  • Cancellation cover up to £12,500 per person (up to £30,000 on referral)
  • Missed port departure up to £2,000
  • Cabin confinement up to £2,000
  • Unused excursions up to £1,000
  • Itinerary change up to £1,000
  • Cruise interruption up to £2,000
  • Above limits based on Avion Gold.

Five-star rated policies

You can choose the bronze, silver or gold cover from each insurer and they’re all rated by Fairer Finance with five star cover available.

No Upper Age Limit

We believe everyone should be able to travel, regardless of their age – that’s why we will provide a quote whatever your age, on single trip and annual policies. 

Multiple Insurers

Compare prices from a range of specialist insurers in a few moments and choose a policy that meets your individual circumstances.

Compare Cruise Travel Insurance Prices From These Insurers

Click here to download the Policy Wording and Insurance Product Information document for all insurers

Instant Cover For Cancellation of your Cruise

Our online quote and medical screening engine enables you to compare and buy cruise Travel Insurance quickly and easily.

Cancellation cover starts immediately from the moment of purchase for you and all the travel companions you insure under the policy, so you no longer need to worry about the unexpected and focus on getting ready for a trip of a lifetime.

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Cruise Travel Insurance with no upper age limit

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