Cruise travel insurance provides specialized protection for travelers taking ocean, river, or expedition cruises. Beyond standard travel insurance benefits, cruise policies address risks unique to life at sea.
What does cruise insurance cover?
- Missed departure - if you can’t reach the port in time due to a covered delay
- Itinerary changes - reimbursement when ports are skipped or the route changes
- Medical emergencies at sea - onboard medical facilities are limited and expensive
- Medical evacuation - helicopter or tender evacuation from a ship is extremely costly
- Trip cancellation and interruption - protecting your cruise investment
- Baggage protection - for lost or delayed luggage
How much does cruise insurance cost?
Cruise insurance typically costs 4-10% of the total trip cost, depending on the coverage level, trip duration, and traveler age. Given the high cost of most cruises and the unique risks involved, the insurance is generally worth the investment.
Do I really need cruise insurance?
Cruise lines enforce strict cancellation policies, medical facilities onboard are limited, and evacuation from a ship at sea can cost $50,000+. Some cruise lines require proof of travel insurance with minimum coverage levels. Check with your cruise line before departure.
Does my cruise line offer insurance?
Many cruise lines sell their own policies, but these may have lower limits or more exclusions than third-party coverage. Always compare before purchasing.
Sitata's travel insurance is so much more
Every plan includes 24/7 chat assistance, real-time safety alerts, telemedicine, flight tracking, and fast digital claims.
Get a Quote