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Insurance concept hand wooden arrangement on wood

What Is the Best Travel Insurance for a Cruise?

Are you planning a cruise? Learn about the best travel insurance options to safeguard your trip. Find the perfect coverage for a smooth sailing experience.

By Cruise Booking Team

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Cruising can be a wonderful way to travel, spend your vacation, and explore new places. The ships can take you across the seas and help you experience different cultures and regions very easily. Cruise ships are like resorts; they're meant to help you relax and have fun during your stay.

A good cruise vacation is only possible when you have planned ahead of time and are prepared for anything and everything, no matter how unexpected. This is where travel insurance comes in. Travel insurance has become a big necessity while traveling, regardless of whether it's for cruises, trains, or flights. Now, you might wonder why exactly you would need travel insurance. Well, the answer is to save money. Times are unpredictable, and you may never know what happens tomorrow. You might have to cancel your trip because of an emergency, or the cruise may arrive late at the port. Maybe your flight gets late, and you end up missing the cruise, or end up needing medical assistance during your trip, and a lot of other things that can occur very easily, even with heavy planning.

As mentioned above, travel insurance is there to ensure that you do not lose any unnecessary money in an emergency. Now that the importance of travel insurance is clear, we can move forward and explore the best travel insurance options to make your trip more secure and ensure that you spend your vacation with a light mind, knowing that you are safe.

Best Travel Insurance for Cruises

Choosing suitable travel insurance for you and your family for your next cruise can be a huge hassle. To remove all of the unnecessary steps for you, we're providing a list of some of the best travel insurance for cruises that you can find to secure your next vacation and ensure that you have a safe and wonderful time aboard a cruise ship.

1. WorldTrips: Atlas Journey Premier

One of the best available cruise insurances right now is WorldTrips’ Atlas Journey Premier insurance. Do you want to travel with your pets? Don’t worry. They have you covered. Last-minute cancellations - you’re secure. WorldTrips offers this insurance to passengers with high-value returns, such as getting secured ‘missed connections coverage,’ i.e., for whatever reason there is a delay in boarding the cruise ship, this ensures that you won’t have to pay any extra dime, and you’ll get a benefit of $2000 after only 3 hours. It also offers medical evacuation benefits for the people insured. The rates for this can vary depending on your quote, but the general line falls anywhere from $150,000 to $1 million per person! If there’s a travel delay, there's a $2000 benefit per person, with only a short waiting period of 5 hours.

2. TravelSafe Insurance: Classic

This insurance provides extremely high coverage for missed connections and evacuation, standing at $2500 per person. TravelSafe is another cruise travel insurance that can provide you with maximum security and help secure your trip. You might face issues that result in an urgent evacuation, but these aren't always medically related. What then? Don’t worry. TravelSafe offers a special non-medical evacuation coverage amount in this insurance plan that ensures a total of $25,000 per person. The general coverage line for this insurance ranges from $100,000 to $1 million per person.

3. AXA Assistance USA: Platinum

AXA Assistance USA is another insurance company that offers the feature of non-medical evacuation for people, making it another suitable option for cruisers. The general limits for this fall are around $250,000 to $1 million per person. You can also upgrade it and add another feature that lets you freely cancel your cruise ship spot, no matter the reason. The non-medical evacuation coverage for people comes at $100,000 per person. Lost your bags in transit? Don’t worry; they provide coverage for that at $3,000 per person.

4. HTH Worldwide: Trophy Protector Preferred Plan

If something happens, and the trip gets interrupted for whatever reason, you’ll be getting coverage of a total of 200% of the overall trip cost! This plan has the most features on this list, offering higher medical evacuation coverage than most. The general limit line per person falls to around $500,000 to $1 million. They also offer around $2000 worth of coverage per person for trip delays, as long as the delay is only 6 hours or longer.

5. Nationwide: Cruise Choice

This is another suitable best cruise travel insurance if you are planning on going on a cruising vacation. This insurance provides $1500 coverage for a missed connection and a $25,000 per person coverage for non-medical evacuations, may the need arise. One special feature about this insurance is that it also provides special coverage for travelers if, for some reason, you’re unable to do any activity that you had already paid for or if there is some malfunction aboard that delays your port arrival by more than 3 hours.

Related: What Kind of Cruise Travel Insurance Do You Need?


Travel insurance can be a huge necessity when you're planning your next cruise vacation. They ensure that you and your money are safe and sound at all times, and you do not have to worry about any unprecedented circumstances happening that might result in you losing your money. Travel insurance provides features for pre-, during, and post-cruise travel. The majority of the insurance available covers even the most minuscule details that you might miss. Use for a safe and hassle-free booking process for your next cruising vacation.

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