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Cruise Travel Medical Insurance

Cruise travel insurance quote form

Traveler's residence
Travelers (Age)
Trip cost($)/person

First Port
Trip start date
Trip end date

What protection does Cruises travel insurance provide?

cancellation

Trip cancellation

Expenses due to pre-paid, non-refundable and unused payments.
medical evacuation

Medical evacuation

Emergency medical evacuation expense to medical facility.
delay

Trip delay

Reimbursement of additional expenses due to trip delay.
baggage

Lost baggage

Reimbursement for loss of checked in baggage expenses.
baggage

Baggage delay

Expense due to delay in arrival of baggage during travel.
medical expenses

Medical expenses

Medical treatment for sickness or injury during your vacation.

Importance of the best travel insurance for cruises

Going on a cruise vacation is truly exciting, however one must take precautions to ensure that the cruise vacation is not a disappointment. Vacationers are likely to pay for the cruise well in advance of the actual travel date, and it is possible that one is not able to travel on the cruise as initially planned.

While most cruises companies offers some cruise protection it does not provide the coverage benefits as provided by trip insurance for cruises. While cruise companies protection usually gives cruise vouchers to vacationers if they miss the cruise, cruise travel insurance provides significantly more benefits such as coverage for trip cancellation, trip delay, baggage loss, baggage delay, medical evacuation and medical insurance for the traveler. Vacationers can further shield themselves by adding Cancel for any reason travel insurance benefit which gives flexibility of cancelling the cruise vacation for any reason, and still get reimbursed up to 75% of non-refundable trip expenses.

cruise coverage

How to buy best travel insurance for cruises?

Steps to buy Cruise travel insurance for trip cancellation online

Step 1: Finding all available cruise trip insurance plans
Complete the cruise insurance coverage quote form by providing details - traveler’s age, residence, trip cost, destination and travel dates.
Step 2: Compare different trip insurance for cruises options
Compare prices and the benefits of the cruise cancellation insurance options to find the best plan. Look also for cancel for any reason benefits and covid coverage.
Step 3: Buy the best insurance for cruises you like best and review documents
Buy the plan that fits your needs and budget by using a credit card and completing the online application.
Step 4: Review the cruise medical insurance documents & download visa letter if required
Review the trip cancellation insurance documents & download coverage or visa letter if required as required by the destination country.

Cruise travel insurance benefits

Some of the other important benefits available with the best travel insurance for cruises include:

Accidental and Medical expenses:
One might believe that the regular health insurance covers your health while on a cruise and might question the need for cruise medical insurance. However one might be rudely shocked as many US health insurance plans do not cover you outside the US borders (including Medicare). The travel insurance for cruise trip pays for the medical treatment for any sickness or accident that one can encounter during the trip. The cruise health insurance coverage varies on the cruise insurance chosen, but can provide coverage up to $500,000.

Trip cancellation and inability to go on the cruise:
Given the uncertainties involved in planning vacations very early, it is likely that one cannot go on a cruise as planned. The best cruise insurance coverage pay a complete refund for valid reasons like the accidental death or injury of the traveler or a non-traveling family member. The Cancel for any reason travel insurance benefit in a cruise cancellation insurance gives further flexibility and provides 75% refund of the non-refundable expenses for not taking the cruise for any reason.

Trip interruption:
The trip interruption benefit of a travel insurance for cruise trip can pay up to 150% of the trip cost in the event that the traveler has to cut short his/her cruise vacation and return home in an emergency. This benefit takes in to consideration the high costs that one can incur for flight tickets should they need to buy tickets in an emergency. This benefit provides peace of mind to the vacationer during the cruise holiday.

Medical Evacuation:
The best travel insurance for cruise trip also provides coverage for medical evacuation up to $1,000,000/- if the vacationer has to be evacated to get access to proper medical treatment in the event of a medical emergency. Some cruise insurance plans also offer up to $50,000 for non medical evacuation.

Missed connection:
The missed connection benefit provides up to $500 additional transportation costs to join the cruise or tour for any delay of the stipulated time of travel.

Repatriation of remains:
The repatriation of remains benefit pays for the repatriation expenses in the event of death of the traveler for any reason. The best cruise insurance offers up to $1,000,000 as part of this benefit. There is also another repatriation benefit in the event of an accident during the vacation. These benefits are for the death, loss of sight or loss of limbs due to an accident that occurs during the cruise holiday.

Baggage loss and baggage delay:
This baggage loss benefit by the best insurance for cruises offers up to $2,500 with a $250 maximum per item for baggage loss and $500 after initial delay of 12 hours.

Given all these benefits, it is important that cruise vacationers buy the best cruise travel insurance given the relative low cost of cruise insurance. The cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best cruise travel insurance plans.

Why do I need Best Cruise travel medical and trip protection insurance?

When families travel overseas, it is important to buy proper travel medical insurance. Since the family is traveling outside familiar territory which can involve long air and road travel, acclimatising to different weather patterns and eating unfamiliar food there is an element of risk involved and vulnerability to falling sick or even having an accident.

Furthermore, injuries or illnesses may happen before your trip and cause the whole trip to be cancelled. In that case, some cruise travel insurance insure the value of your trip allowing you to get your money back and rebook the trip another time. Trip insurance can be purchased for the whole travel group, so if Grandma breaks her leg and everyone decides to cancel, you can do so; even unrelated people can go on one policy for school reunions or company gatherings.

cruise traveler

Following are some trip insurance plans that are ideal for Cruise travel

Trip Cancellation Cruise insurance coverage highlights:

  • Covers medical expenses up to $100,000
  • Medical evacuation up to $1 million
  • Search and rescue up to $10,000
  • Missed connection up to $500
  • The trip cancellation benefit is determined by the amount of your trip you elect to protect
  • IMG trip plans provides Covid Quarantine coverage.
  • Cancel for Any Reason only purchase at the time the base policy is purchased and within twenty (20) days of the initial trip deposit.
Note: This plan is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.
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Trip protection insurance plans:

Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled.

For plans that offer Cancel For Any Reason(CFAR)- you must purchase the benefit within the specified time frame from the initial deposit date and you must insure all prepaid non-refundable trip costs. Please note that we do not have any plans that offer CFAR in NY, WA, or NH.

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How much does cruise travel health insurance cost?

Given the typical cost of international travel, and the overall cost of a family vacation, the cost of travel insurance is quite negligible. The cost of travel insurance will vary depending on whether you are buying trip insurance, or travel medical insurance. The cost of the insurance will depend on several factors such as the destination, the age of the travelers, the medical maximum coverage, the deductible and co-insurance as well as any additional riders like adventure sports coverage … that you choose.

HealthCare cost for visitor in USA

Factors to consider while buying Cruises traveler insurance

senior travel tips
Cruise insurance for Senior citizens
Compare and Buy Cruises Travel Insurance with cancel for any reason for senior citizens.
Click here

International Medical Group - Trip Cancellation plans

  • Available for ages up to 99years
  • Maximum trip length 180 days
  • Medical coverage of $500,000 (may vary by state)
  • Trip Cancellation maximum benefit up to 100% of insured trip cost (min $500)
  • Trip interruption maximum benefit up to 150% of insured trip cost
  • $2000 maximum benefit for travel delay
  • $500,000 maximum benefit for emergency medical evacuation and repatriation of remains
  • US Residents on domestic and worldwide trips.
  • Brochure
  • Available for ages up to 99years
  • Maximum trip length 180 days
  • Medical coverage of $250,000 (may vary by state)
  • Trip Cancellation maximum benefit up to 100% of insured trip cost (min $300)
  • Trip Interruption maximum benefit up to 150% of insured trip cost
  • $2500 maximum benefit for travel delay
  • $1 million maximum benefit for emergency medical evacuation and repatriation of remains
  • Cancel for Any Reason add-on benefit available
  • Brochure

Top Ocean Cruises

Top European River Cruises

Cruise traveler insurance links

Cruises Insurance, Cruises cancellation insurance - FAQs

Travelling outside of one’s home country always requires some good recommendations and tips for a smooth and safe trip. Here is some information that may be helpful while you plan an international trip. Click here to view more FAQ's

What should travelers consider while buying the best cruise travel insurance?

While purchasing a good cruise insurance policy travelers can look for a complete coverage with benefits like cancellations and medical emergencies, in addition to standard coverage included in the travel insurance. A comprehensive cover generally offers full coverage that can save some extra money for the travelers.
Some of the benefits that are included in Cruise cancellation insurance are:-

  1. Trip Cancellation: Offers a reimbursement for the traveler's prepaid and non-refundable trip expenses, including their airfare, cruise, excursions, and tours. Hurricane & Weather coverage is included in most policies with Trip Cancellation coverage.
  2. Emergency Medical: The cost of routine medical checks have increased hence its advisable that travelers travelling by cruisers buy a travel insurance policy a minimum of $100,000 for Emergency Medical.
  3. Medical Evacuation: Cruisers should purchase a policy with a minimum of $250,000 for Medical Evacuation coverage as the chances for evacuation is higher on the cruise.

Apart from the coverage for cancellations and medical emergencies, a good travel insurance plan will include travel delay, missed connections, and luggage. There are few policies that offer coverage for Itinerary Change, where a reimbursement can be claimed by travelers for missed events in the event of their travel supplier changing their itinerary.

What is the best time to buy the travel insurance for cruise cancellation policy?

Travelers can choose to purchase the travel insurance until the day before the cruise begins the trip. However it is advisable that travelers should purchase a travel insurance policy at the earliest to enjoy the benefits for unexpected events that impact the trip. For example, if a traveler is planning a cruise and if there is a forecast of a storm then it would be too late to buy a policy for that storm. Few add-on benefits like Cancel For Any Reason or Pre-Existing Condition coverage are time-sensitive which are available within 10-21 days of the initial trip payment like cruise down payment.

My cruise will go to several countries/ islands, how can I enter my destination if I only get to put one entry?

Don't worry! Your coverage will be worldwide, so you don't have to enter each and every port of call on your itinerary. If one of your stops will be in the US (besides the start or end of the cruise), then you should enter the United States as your destination so that you get a plan that includes domestic travel. Otherwise, you can enter your first port of call and you will be covered for your entire cruise!

How much is the cost of cruise cancellation insurance?

There are various factors that affect the cost of the cheap cruise travel insurance. A standard policy with Trip Cancellation coverage will cost between 5% and 10% of a traveler’s total trip cost.

  1. Age of the traveler: The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.
  2. Type of travel insurance: Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance
  3. Medical maximum coverage and deductible options: The price of visitors' medical insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
  4. Region of coverage: Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.
  5. Duration of travel insurance: The longer the duration of visitor medical insurance required, the higher will be the cost.

Travelers can check with the cruise if they will provide a refund or voucher if you cancel. If yes, then travelers do not need to insure the cost of the cruise to make the travel insurance policy a little cheaper.

Where can I buy the Cruise travel insurance policy?

There are multiple platforms that travelers can buy the cruise medical insurance policy .And one such platform is American Visitor Insurance works with reputed US travel insurance providers to give international travelers a wide range of travel insurance options. Our company has two decades experience in understanding the diverse requirements of international travelers and in offering appropriate travel insurance options to them. Our typical customers range from international travelers visiting family in the US, international students, J visa holders, H1b Visa holders, US travelers going overseas, travelers to Schengen countries who need travel insurance to satisfy visa requirements, Cruise travelers ,trip cancellation customers to insurance their trip expenses, travelers looking for Covid19 travel insurance with quarantine coverage as mandated by certain countries, corporate professionals and business travelers who travel internationally regularly as well as other diverse traveling groups with unique needs.
Our licensed dedicated customer support team provides service at all times helping customers find the most appropriate travel insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency. We also provide answers to all international cruise travel insurance questions , reviews of different cruise travel insurance products, testimonials for customers as well as provide an user-friendly travel insurance comparison tool where travelers can compare different products based on price as well as the coverage benefits. All of these tools help travelers make an informed decision while buying travel insurance.

What coverage should a cruiser include in the policy?

Cruisers can choose to insure all of their trip expenses when booking a cruise. It’s always best for travelers to insure non-refundable deposits. This includes down payment, excursions, travel expenses, airfare and hotel accommodations.

Travel insurance resources

You can find different sections of insurance types here.

  • Get best quotes for group travel insurance
  • Cancel for any reason travel insurance
  • Travel insurance benefits
  • Factors to consider while buying travel insurance
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Travel insurance - Cancel for any reason

Cancel for any reason travel insurance

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Travel insurance coverage

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Single Trip vs MultiTrip insurance coverage

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Why buy at AmericanVisitorInsurance.com?

  • Wide range of temporary US travel insurance options.
  • Travel insurance with Covid19 and quarantine coverage.
  • Several new US immigrant insurance plans available.
  • Popular Schengen visa insurance with required visa letter.
  • Travel health insurance and trip cancellation insurance options.
  • Affordable international student health insurance plans.
  • Resourceful user friendly compare travel insurance tool.
  • Customer support with support for claims settled in the USA.
  • Fixed benefit and comprehensive international travel insurance plans.
  • 24/7 licensed US travel insurance agent support.
  • Guaranteed cheapest travel medical insurance price.
  • Travel health insurance customer support during crisis.
  • Relevant US travel insurance blogs, articles and FAQ's.
  • Travel insurance reviews to help decide on plans.
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Covid19
Covid19 Cruise quarantine travel insurance
Covid19 Cruise travel insurance with quarantine expenses covered
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Best Travel Insurance for Cruises - Forum

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Cruise insurance for Puerto Rico

Hi,
I have booked a cruise from Puerto Rico, and looking for travel insurance.
Please suggest some good cruise insurance plans.
Thanks,
Cathy

Dear Cathy,
IMG offers a series of excellent trip plans for their customers. They can cover you for trips inside or outside the US for 30 days or less. People from Puerto Rico can purchase these plans for trips to mainland US. If you are not interested in insuring the value of your trip, you can put a low amount down for your trip cost (different plans have different minimums).
This way, while you are on your trip, you still will have medical coverage in case someone in your party gets hurt or is sick.
With the outbreak of the coronavirus, the Trip plans from IMG will cover coronavirus illness WHEREVER you may travel (even into areas CDC has recommended no travel). Also, the LX plan has a "cancel for any reason" option included which will return 75% of the loss on your trip should you decide you are not comfortable traveling. This is included only if you purchase your plan within 20 days of the date of initial deposit for your trip (and an early purchase will also waive the pre-existing condition exclusion). Note, however, that illness or quarantine are covered reasons for trip cancellation for which you would receive full compensation (your illness or quarantine). There is also a new "Sports" plan available.

The policy I quoted you was the Travel Lite plan for $500 insuring your cruise for $3734 each. It includes $100,000 for medical coverage.

To purchase and/or get a quote for this policy, use this link:
To view a brochure of the LX policy, use this link: Travel LX Brochure

If you just want to get a travel health insurance plan, you can get the Safe Travels Outbound Cost Saver. With a $100,000 maximum and a $250 deductible, it will cost $72 for you and your husband. Safe Travels Outbound Cost Saver

To buy the policy or get a free quote:

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