Cruise Travel Insurance

We cover All Ages and Pre-Existing Medical Conditions on our Cruise Travel Insurance policies
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Setting Sail? Don’t Forget Cruise Travel Insurance

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

At Just Travel Cover, you can compare multiple specialist insurers and prices to find suitable Travel Insurance for cruises catered to your specific needs and the needs of cruise travel, including things like missed port departure and cabin confinement cover, which are benefits included on some policies. Most of our Cruise Travel Insurance providers will offer cover for cancellation, loss of possessions and the cost of emergency medical treatment – this might involve transport to an on-land hospital for care. Cruise Travel Insurance will also cover repatriation, which is the costs associated with getting you back to the UK, for example, if a medical emergency results in you missing the remainder of your cruise and the scheduled return home.

Pre Existing Medical Condition Travel Insurance for a Cruise

Our Travel Insurance for cruises has no age limit, although this does depend on where you’re going, your age and for how long. Our cruise 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 long as you select each country you will be visiting and all medical conditions on your cruise insurance. 


Cruise Destinations

Cruises by Traveller

Types of Cruise

IMPORTANT NOTE FOR CRUISERS: 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. Sometimes, you may 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.

Embark on an unforgettable cruise adventure, and set sail with peace of mind by arranging Cruise Travel Insurance. You can cruise with confidence, knowing that you are financially protected against unforeseen events such as trip cancellations, medical emergencies, or lost baggage. So set sail on a remarkable cruise experience, immersing yourself in the beauty of the sea while Cruise Travel Insurance ensures peace of mind throughout your trip.

Why Choose Just Travel Cover for Your Cruise Travel Insurance?

When it comes to securing reliable Travel Insurance for your cruise, Just Travel Cover stands out as a trusted provider, having insured more than a million people. With a proven track record of assisting travellers since 1999, we are an experienced choice for those seeking peace of mind and financial protection during their holidays. Our commitment to understanding your unique needs and preferences sets us apart. We are award-winning and provide several options so you can make the best policy choice to meet your needs. Whether you’re embarking on a leisurely cruise, exploring far-flung destinations, or engaging in adrenaline-pumping adventures, Just Travel Cover has you covered.

Our friendly and knowledgeable team of experts can guide you through the insurance selection process, or you can get a quote online to consider your options. So, choose Just Travel Cover for your Cruise Travel Insurance needs, and get peace of mind and a memorable journey from start to finish.

Awarded Best Travel Insurance Provider

We’re proud to announce that Just Travel Cover has been awarded ‘Best Travel Insurance Provider 2023’ at the Insurance Choice Awards. This esteemed recognition highlights our commitment to providing exceptional Cruise Travel Insurance, ensuring our customers enjoy their sea voyages with peace of mind.

Cruise Travel Insurance FAQs

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. While regular Travel Insurance is not always mandatory, Travel Insurance for cruises is often a requirement. Many cruise lines require boarders to provide a copy of their Cruise Travel Insurance policy before they set sail. Unlike regular Travel Insurance, some cruise insurance policies include benefits specific to cruising, such as missed port departure and cabin confinement cover.

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 whilst on holiday. If you do become ill with Covid-19 on holiday you will be covered under the emergency medical expense 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 cover 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 costs £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 Cruise Travel Insurance for heart conditions, including previous heart attacks, 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 Cruise 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 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, although it does depend on where you’re going, your medical history and the length of the trip. 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 not just related to your age. It is dependent on a range of factors including medical history and the destinations you’re travelling to, as well as how long your cruise is. 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.

How can I find the cheapest Cruise Travel insurance?

When searching for cheap cruise insurance, do not compromise on quality. To find the cheapest cruise insurance that meets your budget, compare different policies from various insurers. Look for a balance between the amount of cover and affordability. At Just Travel Cover, we will compare policies for you that meet your unique travel needs. You can choose between bronze, silver, and gold policies to find the right Travel Insurance for a cruise. Travel Insurance with cruise cover can save you a lot of money in the long run, so it is important to choose a policy that provides enough cover.

How do I find cheap cruise insurance for seniors?

If you are a senior seeking budget-friendly Cruise Travel Insurance options, we may be able to help. At Just Travel Cover, we specialise in Travel Insurance with no upper age limit. The majority of our customers are over 55, but we strive to help travellers of all ages. After completing a short medical questionnaire, we will show you policies tailored to you and your travel needs, including bronze, silver and gold options, so you can find a policy that best meets your budget.

Do you need Travel Insurance for a cruise?

Yes, for most cruises, Travel Insurance is mandatory. You may be asked for a copy of your policy before you board and can be refused boarding without it. It is important to secure a Cruise Travel Insurance policy with adequate medical cover and cancellation cover that covers the cost of your trip.

Can I get Travel Insurance for cruises over 100 days?

Yes, at Just Travel Cover we can cover single-trip cruises up to 365 days, but this does depend on your age and the length of trip insurers will provide cover for varies. Worldwide cruises over 94 days are capped at age 79, but the maximum duration is 124 days. There’s no age limit for European cruises but again, the length of trip insurers will cover is dependent on age. We can cover up to 365 days for those under 70, but this reduces to 180 days for those aged 71-75, 124 days if you’re 76-79 and 94 days for those over 80.  So whether you need Travel Insurance for Cunard’s 111 night maiden world voyage, or it’s a week around the med, we can help provide the cruise insurance you need. Don’t forget all cruise travel insurance policies provide cover for emergency medical expenses and cancellations, and some come with specific cruise benefits, too like a missed port departure.

Can I get long-term Cruise Travel Insurance if I am over 70?

Yes, you can! We offer long-term Cruise Travel Insurance for travellers over 70, designed to cover extended cruises that last over 100 days. Our policies are tailored to your age and medical history and provide cover for medical emergencies, repatriation, and cancellation, ensuring that your cruise is safeguarded throughout. Your age shouldn’t stop you from seeing the world; we provide cover options up to the age of 79 for cruises spanning up to 124 days worldwide, and there’s no age limit for Europe, although if you’re over 80 this is capped at 94 days. Let us help you embark on your cruise holiday with confidence and peace of mind.

Is long term Travel Insurance available through Just Travel Cover for a cruise lasting 111 nights?

Yes, Just Travel Cover can provide Travel Insurance for long cruises, such as Cunard’s world cruise which is 111 nights. Our policies can be tailored specifically for longer cruise holidays, with cover options up to 124 days for travellers under the age of 79, and up to 365 days, depending on age. With our long-term Cruise Travel Insurance, you can relax and fully immerse yourself in your long cruise experience, knowing that everything from medical emergencies to high cancellation cover is included.

Recommended by these cruise specialists…

Specialist Cruise Cover

At Just Travel Cover, we understand that cruising isn’t just another trip; it’s a unique experience that requires specialised cover. Our Specialist Cruise Cover is designed with the specific needs of cruise travellers in mind. All you need to do is state you’re going on a cruise when getting a quote.

Beyond standard Travel Insurance benefits like cancellation, emergency medical treatment, and loss of possessions, some Cruise Travel Insurance policies also include benefits such as missed port departure, cabin confinement, and cruise interruption cover. We’re here to help ensure that nothing comes in the way of your perfect cruise holiday. See a complete list of benefits provided below.

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.

Cruise Travel Insurance Guides

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.

Cruise Travel Insurance with no upper age limit

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