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Learn about the best cruise insurance providers and compare cost, coverage and more to protect your next trip.
“cruise Travel Insurance: Special Considerations For Australians”
Written by Kristina Zagame Written by Kristina Zagame Data Journalist Kristina Zagame is a multimedia journalist with a background covering a variety of topics, including news, finance, environment and solar technology. Her work has been published on multiple platforms including ABC and NBC affiliate stations, EcoWatch, the World Economic Forum and Ramsey Solutions. Kristina’s reporting has taken her all over the United States, as well as to Puerto Rico and Chile.
Cruise Travel Insurance: Our Pick Of The Best
Edited by Tori Addison Edited by Tori Addison Editor Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the non-profit, government and academic sectors. A journalist by trade, she began her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.
From the white sand beaches of the Caribbean to the cobblestone streets of Europe, you can enjoy a cruise vacation in almost any place on the planet. In this guide to the best cruise insurance companies, see how travel insurance can help protect your next adventure by covering certain expenses if your trip is interrupted or canceled.
We at the Guides Home Team have researched dozens of the best travel insurance companies to help you learn more about cruise insurance, available coverage and policy costs.
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Our pick for luxury travelers 4.5/5 Affordable options for families and groups 15-day “free look” period 24/7 customer support
Our pick for budget travelers 3.8/5 Multiple layers of cruise cover Flexible reasons for trip cancellation Variety of cover add-ons
Our pick for cruise travel 4.3/5 Specialized plans for business travelers Includes cover for single items Offers annual plans and single trip cover offered
Below is an at-a-glance cost and coverage comparison for each cruise insurance provider on our list. We’ve collected sample quotes for a 35-year-old traveler from Alabama heading to the Bahamas on a 7-night cruise in August. The total value of the cruise is $2,000, and the cruise line is Royal Caribbean departing from the port of Miami.
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Unless otherwise noted, we collected all quotes for this article directly from each company’s website in January 2023.
In the following sections, we will provide a more detailed review of each cruise insurance provider, coverage options, costs and more.
Nationwide is one of the only companies on our list that provides multiple coverage plans specifically for cruises. It offers three cruise insurance plans to meet the needs of different travelers and takes into account specific events that may occur while traveling by ship, such as mechanical breakdowns, missed connection coverage and reimbursements for itinerary changes or interruptions other part of the trip.
Nationwide also offers additional coverage to customize your plan and a 10-day review period in which you can decide if you want to keep your policy after you buy. If you find a better travel protection plan from another insurance company in this window, you can cancel your cover for a full refund.
Travel Insurance For Australians
Pros Offers multiple cruise plans to choose from Extends 10 days to review your policy and request a refund Cancel for any reason (CFAR) coverage up to 75% of the cost of your trip Cons CFAR insurance only available as an add-on to plans Luxury medical coverage is secondary to your primary health insurance provider
Nationwide offers three cruise insurance plans with varying coverage limits. Each plan also includes missed connection coverage and refunds for itinerary changes.
A 35-year-old taking a week-long cruise can expect to pay between $82 and $103 for Nation cruise insurance, depending on the level of coverage. A 65-year-old traveler making the same trip can expect to pay between $134 and $159.
Although Travelex does not offer exclusive cruise plans, cruise goers can still take advantage of its standard travel insurance policies. Travelex is a good choice if you are looking for the most affordable travel insurance possible. The company also offers policy options to protect yourself and fellow travelers — parents can pay a slightly higher rate to extend certain plans for children, for example.
Royal Caribbean Travel Insurance
Travelex makes it easy to buy coverage online, which can be great for travelers on the go. If you have never purchased travel insurance, you may prefer to start with Travelex’s simple and low-cost plans.
Pros Plans include 24/7 travel assistance Has affordable options for families and groups Offers a 15-day “free look” period after purchasing a policy. Basic Disadvantages Plan includes only $500 for lost or stolen luggage Extends less than average coverage for dental expenses
Travelex offers three travel insurance plans that can protect your cruise. The Travel America Plan, which can cover up to eight travelers, also includes unique protections such as inconveniences caused by delays in sports equipment and medical expenses for your pet.
A 35-year-old taking a week-long cruise can expect to pay between $90 and $125, depending on the Travelex plan. A 65-year-old traveler making the same trip can expect to pay between $123 and $171.
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Although Travelex does not offer exclusive cruise plans, cruise goers can still take advantage of its standard travel insurance policies. Travelex is a good choice if you are looking for the most affordable travel insurance possible. The company also offers policy options to protect yourself and fellow travelers — parents can pay a slightly higher rate to extend certain plans for children, for example.
While Berkshire Hathaway is best known for its investment services, the company also offers comprehensive cruise insurance with its WaveCare™ plan. This policy offers medical and baggage benefits, protection against cruise cancellations, cover for trip interruptions such as cruise ship disability and more.
Berkshire Hathaway also offers additional coverage, 24/7 emergency assistance and the ability to file claims quickly using its mobile app.
Pros Offers an affordable cruise policy Has a 24/7 emergency helpline Extends coverage for cruise-specific events such as ship disablement Cons Baggage delay coverage is below average It offers lower emergency medical treatment cover compared to competitors
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While Berkshire Hathaway offers several travel insurance plans, WaveCare™ is specific to cruise protection. In addition to the coverage described in the table below, this plan also includes $500 in flat coverage if your cruise ship is disabled.
If you’re going on a high-value cruise and prefer increased coverage limits, Berkshire Hathaway also offers travel insurance plans designed for vacations with expensive inclusions. Its LuxuryCare plans include additional entertainment protection, such as concierge services and up to $100,000 in insurance coverage.
A 35-year-old taking a one-week cruise can expect to pay about $143 for WaveCare™ coverage, while a 65-year-old traveler taking the same trip can expect to pay $195.
While not exclusively for cruises, AXA Assistance offers three travel insurance plans that provide coverage for everything a cruise traveler might need. The company can help protect you against the unexpected while on vacation, such as trip cancellations or interruptions, lost luggage, injuries or illnesses and more.
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All plans come with 24/7 concierge services to help you make reservations and navigate other travel-related services. The company also has a global network of assistance services that you can contact for support if an emergency occurs while you are traveling.
Pros Offers 75% CFAR coverage Coverage includes expense reimbursement for leisure activities Extends up to $3,000 in baggage delay benefits Cons Coverage is more expensive for older travelers Delay benefits in – travel takes 12 hours to start
AXA Assistance offers three travel insurance plans that you can purchase to protect your cruise. If you are planning sports or leisure activities, the Platinum Plan includes daily coverage for missed ski days, missed rounds of golf and sports equipment rental.
While you can also add rental car collision protection to the Gold Plan, the Silver Plan is not eligible for any additional coverage.
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A 35-year-old taking a week-long cruise can expect to pay between $61 and $87 depending on AXA’s policy. A 65-year-old traveler making the same trip can expect to pay between $133 and $177.
If you go on multiple cruises throughout the year, you may want to invest in an annual travel insurance plan from Trawick International. It is one of the only travel insurance companies that offers annual coverage specifically for cruise enthusiasts.
All Trawick cruise insurance plans also include a 24/7 assistance service and a stipend for a family member or travel companion to accompany you in the event of an emergency evacuation.
Pros Has three tiers of cruise-specific insurance Offers affordable annual coverage Covers travel companion evacuation Cons Basic plan includes lower-than-average medical protections Only extends $500 in baggage loss coverage with lower plans
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Trawick has three options for annual cruise insurance, with each plan offering up to 30 days of coverage per voyage.
A 35-year-old traveler can expect to pay $155 to $675 for annual cruise insurance coverage through Trawick, depending on the level of coverage. Prices for seniors aged 65 and over do not vary.
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