P&O Cruise Insurance Requirements
Secure the right cover for your P&O Cruise
Cruising with P&O offers an exceptional and memorable experience, whether it’s a short break or an extended sail. To ensure you are protected, P&O mandates that all passengers have Cruise Travel Insurance in place. Here’s an overview of these P&O Travel Insurance requirements and how Just Travel Cover can meet them, providing peace of mind before and during your cruise holiday.
Required Cover for P&O Cruises
Suitable to Cover Cruises: When selecting your Travel Insurance, ensure it explicitly covers cruise holidays. This is essential as standard Travel Insurance might not cover cruise-specific incidents.
TIP: Answer YES to the cruise question and you’ll only see providers that cover cruises.
The Full Length of the Trip and All Destinations: Make sure your Cruise Travel Insurance for P&O cruises covers the entire duration of your cruise, from the start date to the end date, including any pre- or post-cruise stays. You must also declare all the destinations on your itinerary, as medical rates vary by country.
Medical and Repatriation Cover: P&O requires a minimum of £2 million in cover for medical expenses and emergency evacuations. This ensures you are adequately protected in case of any medical emergencies while on your cruise.
Pre-Existing Conditions: Declare any pre-existing medical conditions to ensure they are fully covered. Failure to declare medical conditions can lead to policy invalidation.
Cancellation Cover: Adequate cancellation cover that covers at least the cost of your trip is recommended, especially for high-value cruises that P&O offer.
Tip: Call us to discuss our high-value cancellation policy.
Proof of Insurance: P&O requires passengers to confirm they have appropriate Cruise Travel Insurance before embarking. It is recommended to carry a printed or digital copy of your insurance documentation to present at the terminal if requested.
Why Choose Just Travel Cover for your P&O Cruise
At Just Travel Cover, we offer Cruise Travel Insurance that meets all of P&O’s requirements* and provides additional benefits tailored to the unique aspects of cruising:
Cruise Travel Insurance: What’s covered?
Substantial Cancellation Cover: Cancellation cover up to £50,000 per person upon referral providing extensive protection for high-value cruises.
Cancellation Cover: Cancellation cover up to £12,500 as standard
Emergency Medical Expenses: Up to £15,000,000, including repatriation, ensuring substantial cover for any medical emergencies and associated expenses.
24/7 Medical Assistance: Access to round-the-clock medical support for peace of mind throughout your journey.
Baggage Cover: Up to £3,500, protecting your belongings against loss or damage.
No Age Limit (Certain Schemes): Cover for European and worldwide cruises with no age limit, (max days depends on age)
Additional benefits available: varies by insurers
Missed Port Departure: Up to £2,000 for additional travel and accommodation expenses if you miss your departure due to unforeseen circumstances.
Cabin Confinement: Up to £2,000 on our gold policies if you are confined to your cabin due to illness.
Unused Excursions: Up to £1,000 for pre-booked excursions you cannot attend due to cabin confinement.
Itinerary Change: Up to £2,000 if your cruise ship cancels part of the itinerary due to adverse weather or other reasons.
Cruise Interruption: Up to £1,500 if you require hospital treatment on dry land and are cleared to rejoin the cruise.
Speak to one of our advisors today or complete our easy online screening process to secure appropriate P&O Cruise Travel Insurance that meets the necessary requirements for your P&O cruise.
The content of this page was correct as of April 2025 and requirements are always subject to change. Whilst we aim to provide a quotation that matches with the requirements of your cruise provider, all quotations via this website are subject to the terms, conditions, and exclusions of individual insurers and subject to Just Travel Cover’s TOBA. Where we cannot provide cover we will aim to signpost you to a provider who may be able to help.
*Disclaimer: While we refer to specific cruise lines, there is no official affiliation or endorsement from these brands
P&O Cruise Insurance Requirements FAQs
How can I ensure my policy meets P&O’s requirements?
When purchasing Travel Insurance for your P&O cruise, make sure it covers a cruise holiday (answer ‘Yes’ to the question), includes at least £2 million for medical and repatriation cover, covers pre-existing conditions, your age, and all destinations you will be visiting, and has substantial cancellation cover that covers the complete cost of your cruise.
What does cruise-specific insurance cover that standard Travel Insurance might not?
Cruise-specific Travel Insurance means you’re covered for eventualities that can happen on a cruise – for example, a medical emergency may mean you need to leave the ship and be moved to a hospital on-land. You may be able to return to the ship – all of which has associated costs which the insurer would pick up. Some insurers also offer cruise specific benefits , such as missed port departures, cabin confinement, and unused excursions.
Does Just Travel Cover offer insurance for cruises longer than 124 days?
Yes, Just Travel Cover can provide cover for long cruises, including those longer than 124 days, depending on your age. For extended cruises with P&O, it’s essential to ensure that the insurance policy covers the entire length of the trip, lists all destinations you’re visiting and includes medical and repatriation cover, as well as cancellation cover that covers the entire cost of your P&O cruise.
To get a personalised quote and more information about cover for long cruises, please contact our team. We will assist you in securing appropriate insurance that meets all necessary Cruise Travel Insurance requirements for your P&O cruise.
What are P&O’s passport requirements for a cruise?
P&O requires all guests to have a valid, in-date passport before embarking on their journey. Guests can only travel to EU and Shengen-area countries if their passport was issued less than 10 days before the embarkment date. Passports should also have at least 3 months remaining before the date of expiry when disembarking. Always check the P&O passport requirements for your specific cruise as rules may differ slightly.
What is the P&O cruise cancellation policy?
P&O Cruises operate a flexible cruise cancellation policy, with fee-free transfers if you wish to transfer your booking. If you need to cancel your cruise, P&O’s cruise cancellation policy states they are entitled to a cancellation charge, calculated as a percentage of the price paid. This varies depending on how far in advance you provide written notice to cancel your cruise. For more information and a breakdown of cancellation charges, visit the P&O Cruises website.
