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While certain Medicare Supplement Plans do have some foreign emergency medical benefits, not all do. Be sure to talk to your Medical Supplemental Plan provider to see if you're covered, what's covered, what the limits are and how the bill is paid. Whether you buy travel insurance is a personal decision that will depend on many factors. Would you be willing to absorb the loss of canceling a cruise on short notice due to an illness or accident? Could you afford an evacuation flight from a far-off port if you suddenly became seriously ill? You can receive a quote and purchase a policy online in minutes with any credit card.
Third-Party Travel Insurance Companies
That’s not chickenfeed, but it’s also a relatively affordable price to pay for some peace of mind. We think others don’t buy insurance because they believe it costs too much. What’s surprising is how affordable it can actually be to insure your cruise.
Travel Insurance
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. Although you can purchase a policy right up to your departure, there are advantages to buying travel insurance right after booking your trip. One is that you can maximize the length of your trip cancellation coverage. For example, if you buy a travel insurance policy three months before your departure and get seriously injured a week before you leave, you can file a trip cancellation claim. Cruise insurance can be any travel insurance policy that has the coverage features you want.
Cobranded Cards
SafeCruise from VisitorsCoverage is another plan that is designed for cruise travel, and it includes an upgrade for a partial Cancel For Any Reason reimbursement. If you want to buy a policy beyond what is already offered by your credit card, start with an aggregator site like Insure My Trip that compares several policies based on the criteria you choose. All of these things can affect the price of a policy that you purchase. There are many providers of travel insurance, and often, cruise companies will recommend a partner when making a reservation. Those are often best since the cruise line has a history of working with that company and has considered the intricacies of the various ports its ships are visiting. The Explorer Plan is World Nomads' premium travel insurance plan and covers a longer list of activities than the Standard Plan.
This coverage helps you pay for evacuation expenses if you have a medical emergency while on a cruise ship if the ship’s medical providers can’t treat you. The coverage will reimburse for the cost of transportation to the nearest medical facility or your home. Emergency Evacuation – Nearly every plan will have some sort of emergency evacuation coverage.
You'll have a wide choice of plans, so you can pick the one that works the best for your situation. Cruisers seeking coverage of preexisting conditions, as well as cancel for any reason insurance, generally must book within seven to 21 days of the first payment they make for a trip. Even a low-cost weekend getaway on a cruise to the Bahamas out of Miami can turn costly if you suffer a serious accident or illness requiring medical treatment or an emergency medical evacuation. The typical cruise insurance policy covers a wide range of circumstances that can go wrong in conjunction with a vacation at sea — both before and during the sailing.
How Much Does Cruise Travel Insurance Cost?
You might need to cancel a cruise in advance due to the sudden onset of an illness, such as COVID-19 or the flu. Or, maybe you fall ill during the cruise and need emergency medical attention. Maybe your flight to your ship gets canceled, and you miss the vessel's departure.
The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours. With a range of pricing and coverage options available, you can feel confident that you can find a policy to suit your travel needs.
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However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best cruise insurance plan that won't leave you high and dry in an emergency. “Cancel for any reason” coverage is an upgrade that allows you to get partial reimbursement (typically 50% or 75% of your prepaid trip costs) no matter the cause for the cancellation. If you're a U.S. citizen traveling internationally (which will be the case for most cruises), you may find that most private medical insurance plans in the U.S. won't cover you. You don’t need a travel insurance plan that’s specifically for cruises. Any good travel insurance plan with generous medical benefits and the other benefits you want can work well for a cruise.
You agree to those things in your purchase contract with the cruise line. Very few insurers offer cancellation options based solely on advisories issued by the CDC or other government agencies. If you feel you may need to cancel a trip entirely due to a known outbreak of disease in your destination, such as coronavirus, your best option is to buy a policy that allows you to cancel for any reason.
However, this also means that the fear of catching a new COVID strain will not entitle you to use your cruise insurance. You can purchase insurance plans up to 24 hours before your trip departure date, but we don't recommend waiting that long. If you do wait, you may not be eligible for many important benefits, such as the waiver of the pre-existing conditions clause. Medical benefits on policies you purchase after an outbreak becomes a "known event" may be severely limited.
The downside to waiting is that you likely won’t be able to cover pre-existing medical conditions, and you’ll lose the option to add cancel for any reason coverage. This will reimburse you for unused trip costs if your trip is cut short because of illness, injury, death, a family emergency back home or other reasons. Trip interruption insurance can also pay for the extra expenses of a trip interruption, such as a one-way plane ticket home on short notice. 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. You may never need to use your insurance, but it will save you a lot of money if you require coverage for medical expenses, trip cancellations, or lost luggage. Most people can save money by not purchasing the “cancel for any reason” add-on.
We recommend choosing a third-party travel insurance plan that provides comprehensive coverage, so you have peace of mind during your cruise vacation. World Nomads Travel Insurance didn’t make the cut because the company pushes its Explorer policy more than the Standard policy, which makes it more suitable for adventure travel rather than general cruising. Also, if you are a senior traveler of 70 years or more, you must include the Silver Nomads add-on to your policy, which may push your cost of cruise insurance upward unnecessarily. If you’re planning a high-value cruise trip and would like more coverage, Berkshire Hathaway also offers LuxuryCare, a more expensive policy for luxury travelers.
If the ship sails without you because your flight to Miami was delayed, travel delay benefits can help you catch up. If you break your leg and have to cancel your trip, the cruise line won't reimburse you—but travel insurance can. And if you suffer a medical crisis on board, travel insurance can cover your evacuation and emergency medical care.
Our partners cannot pay us to guarantee favorable reviews of their products or services. We believe everyone should be able to make financial decisions with confidence. We check customer reviews and other resources to see which companies honor policies most effectively. There are various types of coverage, each tailored to protect different aspects of your cruise experience. Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them.
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