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What is cruise travel insurance?

Cruise travel insurance is a specific policy that covers the activities and risks associated with your cruise holiday. This may include cover for missed port departures, cabin confinement, unused shore excursions and changes to your cruise itinerary which would not be included in most standard travel insurance packages. Whether you are looking to purchase cover for seniors, an over 60s package with medical conditions covered, or simply enough comprehensive cover to enjoy a bit of scuba diving with your partner while you're away - it's important to plan ahead and buy the right travel insurance for your particular needs!

Do I need to buy travel insurance for a cruise?

Yes, if you are going on a cruise then travel insurance will help ensure you have a tranquil time at sea and cover inconveniences that are more likely to occur on your holiday. Whilst booking your cruise is an exciting prospect, we understand that finding a travel insurance policy that is both affordable and reliable, isn't always fun or top of your holiday to-do list. At Holiday Extras we aim to make this experience less about the hassle and more about the holiday for you - we provide comprehensive cover for your break at a competitive price. We've been awarded "Best Travel Insurance Provider" for more than 10 years in a row at Globe Travel Awards to prove it!

Cruise Travel Insurance Image

Why choose Holiday Extras?

  • - Voted best insurance provider 11 years running.
  • - Maximum age limit of 85 years old on single-trip policies.
  • - Single and annual policies available.
  • - Over 25 years experience selling Travel Insurance.
  • - UK based contact centre and 24/7 helpline.

At Holiday Extras we have 3 levels of comprehensive cover available for you - our Bronze, Silver and Gold policies starting from just *. If you are elderly, or looking for a travel insurance package for senior citizens we have a maximum age limit of 85 years old on our single-trip and multi-trip policies, this includes customers with pre-existing medical conditions. If you are looking for an annual policy we could insure you with either our Silver or Gold cover (please be aware our Bronze cover is available for a single-trip cruise only).

For a vacation at sea, travel insurance suitable for your cruise is essential in order to cover costs including changes to your cruise schedule, being confined to your cabin and any missed port departures or unused prepaid shore activities. It's also important to cover medical costs, lost baggage and unforeseen cancellations.

Compare our cover levels

Depending on which level of cover you choose, our table below illustrates the cover available with each policy:

Bronze
Silver
Gold
Cancellation cover
£500
£5,000
£8,000
Medical cover
£5 million
£5 million
£5 million
Baggage cover
£1,500
£1,500
£1,500
Abandonment
£500
£5,000
£7,500
Cabin confinement
£1,000
£1,000
£1,000
Cruise itinerary change
£1,200
£1,200
£1,200
Missed Port Departure
£2,000
£2,000
£2,000
Unused Shore Excursions
£500
£500
£500
Wedding cover
X
X
£1,500
Sporting equipment
X
X
£1,000

Cruise insurance explained

  • Cabin Confinement - During your cruise, if you have to stay in your cabin on medical advice, or are admitted to the ships hospital for emergency medical treatment we will pay you £25 for each 24-hour period you are confined, up to a maximum of £1,000.
  • Cruise Itinerary Changes - If a scheduled port of call is cancelled due to adverse weather conditions, or time table restrictions we will pay you up to £300 for each cancelled port of call (up to a maximum of £1,200).
  • Missed Port Departure - If you arrive at your embarkation point after the cruise ship has departed because of something unexpected, or that you are unable to avoid, then we will pay you up to £2,000 towards the cost of additional travel and accommodation so that you can travel to your cruise ship's next port of call and board the vessel.
  • Unused Shore Excursions - If you were unable to take part in your prepaid shore activities because you had to stay in your cabin on medical advice, or were admitted to the ships hospital for emergency medical treatment we will pay you up to £500 for missed excursions.**

**These are subject to the appropriate circumstances, and terms and conditions being met as outlined in the policy wording (including providing the relevant documentation).

† If you need to seek medical attention whilst abroad, please contact the 24-hour emergency assistance service for help and advice before treatment, where possible. Full details can be found in the policy wording.

Am I insured if I take part in water sports and excursions during my cruise?

Yes, at Holiday Extras we want you to thoroughly enjoy your holiday and appreciate that sometimes you may be tempted to try an exciting activity or sport whilst you're away. If you purchase one of our 3 insurance packages for your cruise you will be covered for the water sports defined in the activity packs of your policy, whether onboard or during a shore excursion. This includes enjoyable activities like yachting or scuba diving.

The following sports are also included as standard at no extra charge:

  • Team sports like netball, racquetball and volleyball
  • Grounded sports like hiking and cycling

If you are into more daring sports then don't worry, simply call us today and we may be able to increase your level of cover with an additional activities pack for the extreme sports that you want to participate in.

Cover if you have a pre-existing medical condition

At Holiday Extras we can cover a wide range of pre-existing medical conditions with our travel insurance packages and a policy for your cruise is no exception. You will be guided through the process of getting a policy with medical conditions cover when you call our customer service team, or you can declare the conditions of each individual named on the policy when you buy online via our website. If you are concerned about travelling with diabetes then see our helpful guide for further information and advice. We also have handy tips available if you are travelling with medication.

Gadget cover

If you're keen to stay in touch with family and friends while you're on holiday, then you could add additional Gadget cover to your cruise policy in case your phone or laptop is lost or stolen. If you pay an extra premium then optional cover is available for trips up to 183 days on either a Bronze, Silver or Gold cruise policy. Check out the tables below for the cover levels we have available. Simply contact our UK-based call centre on 0800 316 0104 and ask to add one of these to your policy today!

Optional Cover 1
We will pay up to
Deductible
Accidental Damage, Theft, Malicious Damage and Loss
£1,000
£75
Single item/ pair/ set
£500
Nil
Unauthorised usage
£1,000
Nil
Optional Cover 2
We will pay up to
Deductible
Accidental Damage, Theft, Malicious Damage and Loss
£2,000
£75
Single item/ pair/ set
£750
Nil
Unauthorised usage
£1,000
Nil
Optional Cover 3
We will pay up to
Deductible
Accidental Damage, Theft, Malicious Damage and Loss
£3,000
£75
Single item/ pair/ set
£1,000
Nil
Unauthorised usage
£1,000
Nil

Booking your travel insurance

Choosing the right level of cover is straightforward and making a booking with Holiday Extras is just as quick and easy. Remember our UK-based call centre is on hand if you need any additional help though!

How to book online

To get a quote or book your policy online simply click below and bear in mind the following information:

    Location: Where are you going?

    Dates: When will you be going, and how long for?

    Money: The total cost of your holiday (including travel)

    Health: What pre-existing medical conditions have you had in the past, or present?

Book online with us today

You can use our online booking form, and include the names of who you are travelling with so they can be added to your policy, or call us today at our UK-based call centre on 0800 316 0104.


Reviews

"Holiday Extras offer our guests cruise specific policies that give them peace of mind and confidence when booking their cruise"

Clive Jones | Senior Director | Guest Services | Prestige Cruise Holdings (Regent Seven Seas Cruises & Oceania Cruises)

"With Holiday Extra's dedicated Cruise insurance policy, our customers are able to be totally confident that they have high-quality insurance cover in place specifically designed for a cruise holiday at sea"

Jeremy Hatton | Head of Customer Services | Fred. Olsen Cruise Lines


Top cruise destinations

  • Antarctica- Home to glacial cliffs and icebergs, Antarctica is completely unique, and beautiful to view from onboard your cruise ship.
  • Baltic Sea- You'll have the chance to visit a diverse range of history-steeped Scandinavian cities and can even venture to St. Petersburg.
  • Hawaiian Islands- For stunning sunshine and green volcanic shorelines, the Hawaiian Islands are perfect. Aloha.
  • Mediterranean- Whether you'd rather cruise the French Riviera or the Spanish Costa del Sol, a Mediterranean cruise will refresh and invigorate you.
  • South Pacific- Marvel at amazing scenery and meet the exotic wildlife on shore excursions in Australia and New Zealand.
  • Caribbean- From tropical rainforests and beautiful beaches to historic sites and idyllic coastal resorts, the islands of the Caribbean make the perfect place for a cruiser seeking adventure, luxury and culture. Check out our caribbean travel insurance page for more information on how to get the most out of a trip to the islands.

Tips for a successful cruise

Plan your choice of cruise carefully - Cruises can be perfect for all manner of occasions, and your requirements will be different depending on whether you are looking for a romantic escape, a holiday with friends or a relaxing cruise break for the elderly.

Prone to seasickness? - Choosing a central cabin in the lower regions of the ship reduces the noise and motion of the sea, lessening the chance of sea sickness.

Plan your shore excursions in advance - Doing so will give you a better understanding of the areas that you visit, and will help you to stick within a budget.

Study a map of the ship - Cruise liners are often huge. As soon as you get on board, or ideally in advance, familiarise yourself with the ship's layout.

Frequently asked questions

If you would like to know how to make the most out of your cruise travels then you can visit our HX blog for tips. Please check out our guide of the best cruise holidays for 2020 or take a look and find the perfect family-friendly cruise holiday.

Please visit our policy documents page for more information on our cruise products. If you are unsure about the level of cover you require, or have questions concerning part of your policy then please contact Holiday Extras for assistance on 0800 316 0104.

Further travel information

If you would like more information before you set sail on your cruise then please visit our other pages!


Holiday Extras Cover Ltd and Holiday Extras Ltd are authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 and Holiday Extras Ltd 01693250 are registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.

Holiday Extras is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.