Is Viking Travel Insurance Worth It?
Yes, Viking Travel Insurance is usually worth it for most travelers. Cruises involve unique risks such as on-board illness, accidents, or serious health cases that can lead to an expensive evacuation. Additionally, Viking cruises trip insurance covers the loss of money due to cancellations, interruptions, missed connections, and luggage that gets lost.
For longer river or ocean cruises, international travel, or travelers with pre-existing conditions, insurance provides peace of mind and financial protection that can far outweigh the cost of the premium.
Which Cruise Insurance Benefits Do Viking Travelers Really Need?
When it comes to choosing a Viking cruise, many travelers are confused as to which benefits will provide them the most value. Whether it’s missed port coverage, emergency medical evacuation, Cancel For Any Reason (CFAR) or pre-existing condition coverage, it can be difficult to find out what you really need before purchasing a policy. Having clear guidance helps ensure that you get the coverage you need and don’t lose out by either waiting too long or buying insufficient coverage.
Now that you’ve selected your cruise line, below is a simplified and practical advice on what to insure and when to purchase them:
- Emergency Medical and Evacuation: The most critical benefits for any Viking voyage, as onboard medical care is limited and serious cases require evacuation to the nearest port. Travelers should look for at least $100,000 in medical coverage and $250,000 – $500,000 in evacuation coverage, especially for remote sailings
- Pre-Existing Condition Coverage: Important for seniors or travelers managing chronic conditions. Plans offering acute onset of pre-existing conditions or full pre-existing condition coverage provide peace of mind when traveling far from advanced medical care.
- Missed Port & Cruise Interruption: Viking itineraries can be affected by weather or mechanical issues. Missed port coverage, cabin confinement, and cruise interruption benefits help travelers recover costs when the itinerary changes unexpectedly.
- Cancel For Any Reason (CFAR): Ideal for travelers who want maximum flexibility. CFAR allows cancellation for personal concerns—weather fears, changing health, family issues, or simply feeling unsure about the trip—as long as the plan is purchased early (usually within 10–21 days of the first trip payment).
- When to Buy:
- Purchase comprehensive trip insurance right after booking to unlock cancellation and CFAR benefits.
- Purchase medical-only visitor plans before the trip begins, though earlier is still better to ensure coverage for pre-existing condition needs.
By clearly explaining the purpose of each benefit and the timing required to secure it, American Visitor Insurance empowers travelers to make confident, well-informed decisions—ensuring they have the right protection in place throughout their Viking cruise.
What Does Viking Travel Insurance Cover?
- 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.
- 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 pays 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.
- This benefit provides 75% refund of the non-refundable expenses for not taking the cruise for any reason.
- 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 into 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.
- The best travel insurance for cruise trip provides coverage for medical evacuation up to $1M if the vacationer has to be evacuated 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.
- 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.
- 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 cover death, loss of sight, or loss of limbs due to an accident that occurs during the cruise holiday.
- This baggage loss benefit by the best insurance for cruises offers up to $2,500.
- There is a $250 maximum per item for baggage loss.
- Coverage includes $500 after an initial delay of 12 hours.
Given all these benefits, it’s wise for cruise vacationers to buy a Viking cruise travel protection plan, especially considering the relatively 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 travel insurance for Viking river cruise plans.
Which Is the Cheapest Viking River Cruise Insurance?
Finding affordable Viking travel insurance involves comparing various plans to identify one that balances cost with adequate coverage.
The Cheapest Viking river cruise travel insurance is Safe Travels Protect, starting at $24.
Other affordable Viking trip insurance coverage include Pathway Essential and Travelex Advantage.
Safe Travels Protect
Trawick International
$32 Per monthAge: 45 years | Trip Cost: $1,000| Trip Duration: 15 days
- Offers trip cost up to $14,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $250,000
- Medical evacuation up to $250,000
Pathway Essential
Trawick International
$33 Per monthAge: 45 years | Trip Cost: $1,000| Trip Duration: 15 days
- Offers trip cost up to $14,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $250,000
- Medical evacuation up to $250,000
- Offers trip cost up to $10,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $50,000
- Medical evacuation up to $250,000
Other Affordable Cruise Travel Insurance Plans
- Trip Protection Basic: An affordable cruise insurance option with 100% trip cancellation coverage (up to $30,000) and robust emergency medical coverage up to $250,000.
- Pathway Plus: A cost-effective cruise insurance plan featuring 100% trip cancellation coverage (up to $50,000) and emergency medical coverage up to $50,000.
Which Is the Best Travel Insurance for Viking River Cruise?
The Best travel insurance for Viking Cruise is ITravelinsured Choice Cruise, starting at $385.
Other top recommended Viking river cruise insurance coverage include Travelex Ultimate, Seven Corners Cruise and iTravelInsured Travel LX.
* The price shown is for a 15-day trip with a $10,000 trip cost for a 45-year-old traveler.
Viking Luxury Cruise Travel Insurance
Travelers booking a premium cruise experience with Viking often look for higher medical limits and stronger cancellation benefits. You can compare upgraded policies on our Best Luxury Travel Insurance page to find plans designed for luxury cruise vacations.
Why Onboard Cruise Medical Care May Be Limited on Viking Cruises?
A lot of travelers think that Viking ocean and river ships are just like hospitals in every way, but the onboard medical facilities are small, even for luxury cruise lines such as Viking. Viking still offers excellent quality service but its medical center is mainly aimed at basic and emergency care rather than at advanced medical treatment.
- Viking’s onboard medical centers are equipped for basic and non-complex medical needs
- Most ships have only one physician and a small nursing team
- They may lack advanced equipment for cardiac events, strokes, or trauma
- Serious cases require emergency evacuation to the nearest port with adequate medical facilities
- During a Viking expedition cruise or in a remote destination, the nearest hospital may be as far as hundreds of miles away.
Because of these limitations, Viking passengers must rely heavily on their travel medical and evacuation insurance to cover:
- Emergency assessment and stabilization onboard
- Transportation to the nearest medical facility with appropriate care
- Emergency air evacuation if needed
- Medical repatriation back home for continued treatment
And this is the reason why the Viking brand stresses a lot the need for having adequate travel medical insurance and very high emergency evacuation coverage, in particular for itineraries involving oceans, rivers, and expeditions where the access to hospitals on land can be very limited.
Why Choose American Visitor Insurance for Viking Cruise Trip Insurance?
trophy20+ Years of Travel Insurance Expertise
With more than 20 years of experience helping travelers, we help you choose the best protection for ocean and river cruises, including Viking Cruises.
compareCompare Multiple Viking Cruise Insurance Plans
Compare travel medical and cruise insurance plans side-by-side from top U.S. providers like IMG, Trawick International, Seven Corners, Travel Insurance Services, HTH Worldwide and Travelex.
directions_boatCruise-Focused Coverage Options
Travelers can choose the plans that include emergency medical care, medical evacuation at sea, missed port coverage, trip interruption, and lost or delayed baggage.
exploreCustom Plans for Every Cruise Itinerary
Whether you’re taking a short Viking river cruise or a long ocean voyage, you can choose plans tailored to your trip length, age, and budget and also allow a pre-existing condition waiver when bought within 24 hours of your final trip payment.
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No hidden fees. You always see the insurer’s final price directly—100% transparent.
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Buy your Viking Cruises travel insurance in minutes with immediate policy documents sent to your email.
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Our licenced customer support team is available 24/7 to assist with selecting travel plans, application, extensions, cancellation and claims processes.
shieldStrong Trip Protection Options
Viking Cruises travel protection plan including trip cancellation, interruption, missed connections, and Cancel For Any Reason (CFAR) benefits which is essential for cruise travelers.
Who Needs Travel Insurance for Viking River Cruises?
Travel insurance is important for anyone booking a Viking cruise, especially because these cruises involve significant upfront costs, long itineraries, and international travel. You particularly need travel insurance if you fall into any of the groups below:
- Senior travelers who may have a higher risk of medical emergencies.
- Travelers who are booking long or expensive voyages such as Viking river and ocean cruises.
- International travelers whose domestic health insurance may not work abroad.
- Cruisers with pre-existing medical conditions who need coverage for unexpected flare-ups.
- Travelers worried about trip cancellation risks due to illness, family emergencies, work reasons, or travel delays.
- Travelers joining multi-country itineraries where medical care access varies by region.
- Anyone who wants peace of mind for medical expenses, evacuation, lost baggage, or missed connections.
What to Look for in Travel Insurance for Viking River Cruises?
When choosing travel insurance for a Viking River Cruise, travelers should look for the following key features to ensure complete protection:
- Ensure that the plan provides good coverage for Emergency Medical Evacuation, Repatriation, Accidental Death and Dismemberment in case of any unforeseen emergencies.
- Make sure that the cruise insurance covers trip cancellation, trip interruption, loss of luggage, personal property, travel delay and baggage delay. This makes it easier to recover the trip cost or the cost of personal property or damage in case the trip gets cancelled or delayed respectively.
- Check to see what the age of the traveler is. If the traveler is a senior traveler, look if they need coverage for any existing conditions. Our senior cruise travel insurance page has plans suitable for senior travelers going on a cruise.
- Look for a plan that provides higher policy maximum limits, in case of any unexpected medical emergencies.
- Ensure that the plan provides flexible and comprehensive coverage in order to have sufficient coverage while outside the country.
- See if you can find a plan with Cancel for any reason insurance benefit, in case you are unsure of any possibility of cancelling the trip due to any kind of emergency situation back home.
How Does Cruise Travel Insurance Compare to Other Insurances?
Cruise medical insurance and cruise travel insurance are related but serve different purposes. Here's a comparison to clarify the differences:
| Cruise Travel Insurance | Travel Medical Insurance | |
|---|---|---|
| Purpose | Covers cruise trips like trip cancellation, medical emergencies on cruise, evacuation, baggage, delays. | Medical coverage for visitors to the USA or abroad for illness/injury. |
| Medical Coverage | Includes evacuation coverage as in cruise medical insurance. Typically $50,000 to $1,000,000+; covers onboard treatment, emergency evacuation. | Medical expenses during the cruise (e.g., doctor visits, hospital stays, medications). $25,000 up to $2,000,000 depending on plan. |
| Trip Cancellation/Interruption | Expenses due to canceling or cutting short a cruise due to illness, injury, or other covered reasons (e.g., family emergency), this coverage helps recover prepaid costs. Up to 150% trip cost; includes Cancel For Any Reason (CFAR) options (time-sensitive). | Usually not included or limited; focus is on medical coverage. |
| Trip Delay/Missed Connection | Covered; e.g., $500 missed connection, travel delay benefits | Rarely covered; focus on medical |
| Baggage Loss/Delay | Reimburses for lost, stolen, or delayed luggage. Covered up to $2,500 with item limits. | Not typically covered |
| Pre-Existing Condition Coverage | Some plans offer acute onset coverage; CFAR add-ons available | Some plans cover acute onset pre-existing conditions (e.g., Diplomat America) |
| Coverage Area | Worldwide, focused on cruise itinerary | USA and international travel depending on plan |
| Deductible Options | Varies by plan, often $0 to $250 | $0 to $500 deductible options available |
| Typical Cost Range | From a few hundred to several thousand dollars depending on trip cost, age, coverage. | Monthly premiums from $20 (basic) to $300+ (high coverage) |
| Additional Benefits | Emergency evacuation, repatriation, travel assistance, CFAR waiver, itinerary change | Telehealth, COVID-19 coverage, acute pre-existing condition, repatriation. |
| Ideal For | Travelers who want more than just medical coverage, especially those who are concerned about loss due to trip cancellations, delays, or other unexpected disruptions. | Primarily for health-related coverage, especially those who have health conditions or are concerned about limited healthcare access during the cruise. |
Which Cruise insurance to Choose?
- If you're primarily concerned about health risks, cruise medical insurance may suffice.
- If you want protection for your entire trip (e.g., medical, trip disruptions, luggage issues), cruise travel insurance is more comprehensive.
Both types of cruise insurance can often be bundled, so it's worth comparing plans to get the best mix of coverage based on your needs.
How Do I Choose the Best Travel Insurance for Viking River Cruise?
There are several factors to consider when choosing an insurance to cover your cruise.
- Firstly, you may be offered insurance by the cruise line. BEFORE you accept it, consider:
- If you would rather insure the whole trip (including air travel to and from the ports or travel by vehicle to the port of disembarkation)
- Whether you would like to also have health insurance while you are on your cruise and for all the stops along the way
If you think you might want a more complete plan, consider checking options on American Visitor Insurance to compare benefits and prices for best cruise travel insurance.
- If you’ve decided on a more inclusive plan, the main things that limit your choices are:
- How much you want to insure the trip for (should include all non-refundable portions of your trip cost)?
- How much medical expense coverage you think you will need?
Remember that if something happens while at sea, you may need emergency medical evacuation from the ship, which is covered by all our trip cancellation policies and may NOT be included in the policy offered by the cruise line.
Best Travel Insurance for Viking Cruise
For example, the iTravelInsure Insurance from IMG can:
- Cover trips from $10,000 or less per person up to $150,000 per person
- Offer medical coverage from $100,000 maximum to $500,000 maximums
If you have questions or concerns about plans we offer, please feel free to give us a call at (877)-340-7910 and chat with us today!
What Factors Affects the Viking Travel Insurance Cost?
There are various factors that affect the cost of the Viking travel protection plan. A standard policy with Trip Cancellation coverage will cost between 5% and 10% of a traveler’s total trip cost.
The cost of travel insurance is directly proportional to the age of the traveler. The older traveler usually pay higher premiums due to increased health risks.
The Viking travel insurance cost is significantly determined by the amount of Viking cruise fare and pre-paid expenses, particularly in the case of plans with Trip Cancellation and Trip Interruption coverage.
Longer Viking ocean or river cruises typically cost more to insure due to extended exposure to travel risks.
Comprehensive plans with medical coverage, CFAR (Cancel For Any Reason), or high medical evacuation limits will increase the premium.
Travel Insurance plans offering pre-existing medical conditions or acute onset coverage may cost higher or require to buy within a time-sensitive period.
Pricing might be influenced by remote areas, expedition paths, or places that are affected frequently by bad weather (for instance, Northern Europe, Alaska, or destinations during hurricane season).
Insuring multiple travelers or a family group can impact the overall price depending on ages and coverage levels.
Buying closer to the departure date may limit plan options or exclude time-sensitive benefits, affecting cost and coverage value.
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.
What Is the Cost of Viking Cruise Medical Insurance?
The cost of Viking cruise medical insurance can vary widely based on several factors, including your age, trip duration, destination, and the coverage limits you choose.
- Basic cruise medical insurance only coverage would cost $40 to $150 per person
- More comprehensive plans that include medical and evacuation coverage generally cost $150 to $400 or more per person
- Cruise insurance for seniors, particularly those over 65, will cost more due to higher health risks.
- Viking cruise health insurance with more comprehensive benefits, such as those covering pre-existing conditions, will be priced higher.
Longer cruises tend to cost more to insure, as the duration increases the risk of illness or injury.
Cruises to remote or exotic locations, where access to medical care is limited, can result in higher premiums.
How Coverage Limits Affect Viking River Cruise Insurance Costs?
- Higher limits on medical expenses and medical evacuation coverage will increase the cost.
- Typical policies might cover $50,000 to $100,000 for medical treatment and $100,000 or more for medical evacuation.
- Evacuation coverage is crucial on a cruise, especially if you're far from quality medical facilities.
- Policies covering $100,000 to $250,000 for emergency evacuations are common, and higher limits can raise the price.
How Much Does Viking Cruise Travel Insurance Cost?
How Much Is Viking Travel Insurance?
How Much Does Cheap Cruise Insurance Cost?
The Cheapest cruise insurance cost ranges from $31 to $1,278 for a 15 days trip. This cruise insurance cost may varies based on travelers age, cruise destination and length of the cruise.
For example, the prices shown here are based on a 55-year-old traveler with a 15-day trip duration.
| Plan name | Trip cost $1,000 | Trip cost $5,000 | Trip cost $10,000 | Trip cost $20,000 |
|---|---|---|---|---|
| Pathway Domestic | $31 | $129 | $279 | Not Available |
| Safe Travels Protect | $39 | $161 | $349 | Not Available |
| Pathway Essential | $40 | $165 | $358 | $729 |
| itravelInsured Travel Lite | $53 | $267 | $569 | $1,178 |
| Travelex Advantage | $52 | $220 | $602 | Not Available |
| itravelInsured Travel Choice | $57 | $175 | $382 | Not Available |
| itravelInsured Choice Cruise | $95 | $146 | $215 | $445 |
| Cruise Travel Insurance | $88 | $275 | $520 | $1,028 |
How Much Does Luxury Cruise Insurance Cost?
The Luxury cruise insurance cost ranges from $1,097 to $24,167 for a 15 days trip. This cruise insurance cost may varies based on travlers age, cruise destination, cruise duration.
For example, here we are showing the cost of luxury cruise insurance for a 55-year-old traveler with a 15-day trip duration.
| Plan name | Trip cost $30,000 | Trip cost $50,000 | Trip cost $100,000 | Trip cost $150,000 |
|---|---|---|---|---|
| Itravelinsured SE | $1,097 | $3,177 | $6,352 | $9,527 |
| Safe Travels Armor | $1,445 | $2,430 | $4,940 | Not Available |
| Pathway Premium | $1,467 | $2,467 | $5,013 | Not Available |
| Trip Protection Choice | $1,986 | $3,332 | $6,697 | Not Available |
| Travelex Ultimate | $2,311 | $4,811 | Not Available | Not Available |
| Travel Insurance Select Elite | $3,213 | $5,355 | $10,710 | $16,065 |
| ITravelinsured LX | $4,835 | $8,057 | $16,112 | $24,167 |
Source: American Visitor Insurance®
What Does Trip Cancellation Insurance Cover for Cruise Travel?
Trip cancellation insurance not only covers your trip investment expenses, but also your medical expenses while on a cruise trip. If a traveler misses the cruise due to a delayed flight, or must cancel the vacation because they fell sick or for any other covered reason, the insurance reimburses all non-refundable trip expenses. It also covers medical care needed during the cruise.
Some cruises have medical facilities to treat minor injuries. However, if the injury or sickness is severe, the traveler may be required to leave the ship at the nearest port to receive medical care. When adequate treatment is not available locally, the traveler may need medical transportation or evacuation to the nearest hospital, and trip protection insurance will cover these costs.
Why Families Need Cruise Travel Medical and Trip Cancellation Insurance?
Travel Medical Risks for Families- 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.
What Are the Minimum Medical and Evacuation Requirements for Viking Cruises?
Travelers on Viking Cruises must have enough medical coverage and emergency evacuation coverage regarding the ocean/expedition cruises. The onboard medical facilities are limited, and severe medical situations will need to be sent off the ship for treatment, so traveling with minimum amounts of medical coverage of $100,000 or more and a high level of emergency medical evacuation coverage of $250,000 to $500,000 recommended.
Having these minimum levels of coverage will create a barrier that protects you from financial hardship if you become ill or injured while sailing on a cruise far from the nearest hospital.
When Is the Best Time to Buy Travel Insurance for a Viking Cruise?
Travelers often wonder when to purchase insurance for Viking cruises:
- Buy as soon as you book to secure full benefits.
- Some valuable protections—like trip cancellation for medical reasons—require buying the plan within a specific window after your initial trip payment.
- Medical-only plans (visitor insurance) can be purchased even up until the day before departure, but earlier is always better.
Cruise-Specific Benefits That Matter Most
Highlighting cruise-related protections helps address common traveler questions:
Must-have cruise-specific benefits- Missed port of call coverage
- Cruise interruption
- Ship-based quarantine expenses (important post-COVID)
- Cabin confinement due to illness
- Missed connection benefit
- Travel delay coverage for missed embarkation
- Emergency evacuation off the ship
Recommended Evacuation Limits
Because Viking itineraries may travel to remote regions (Alaska, Antarctica, fjords, river routes), strong evacuation levels are essential:
- Minimum: $100,000
- Good: $250,000
- Best for remote sailings: $500,000–$1,000,000
This helps travelers understand why cheaper plans may not be enough for cruise routes.
Explaining these makes it clear why generic travel insurance may not be sufficient for cruises.
What If I Need to Be Airlifted Off of the Cruise?
The plans offer a benefit called emergency medical evacuation. This benefit can move you from your cruise ship to the closest hospital that can attend you. It can also move you between hospitals if your current hospital cannot accommodate your needs. Also, it can move you to a hospital close to your home if a physician deems it necessary.
Which Is the Best Viking Trip Insurance With Medical Evacuation?
Traveling to Viking is an extraordinary adventure and a thrilling experience, but it requires thorough preparation due to its extreme environment and isolation. Natural disasters or severe weather conditions can lead to serious illnesses or injuries which may require treatment beyond the capabilities of local facilities. Evacuation from Viking involves specialized procedures which can be extremely expensive.
Evacuations often involve multiple stages, including transport to a research station and then airlift to a hospital in South America, New Zealand, or Australia. Sometimes helicopters are used for short-distance evacuations to nearby research stations or ships or fixed-wing aircraft is used for long-distance evacuations, often requiring specially equipped planes for ice landings and take-offs.
Viking Cruise Medical Evacuation Costs
- Short-distance evacuation (field camp → research station): $10,000 to $50,000, depending on distance and urgency.
- Long-distance evacuation (research station → hospital in South America or another continent): $100,000 to $300,000+, depending on complexity and distance.
- Specialized medical care and equipment during evacuation can increase costs to over $500,000.
Comprehensive travel insurance with medical evacuation coverage for Viking is essential to cover high-cost evacuations and ensure adequate limits.
Following Are Some of the Best Viking Cruises Trip Insurance
- Provides coverage for medical evacuation up to $500,000, with the option to increase coverage to $1,000,000.
- This plan offers trip cost up to $10,000.
- The iTravelInsured Travel Choice Cruise cost for a 50-year-old traveler is $382, based on a trip cost of $10,000 and a trip duration of 15 days.
- Provides coverage for medical evacuation up to $500,000.
- This plan offers trip cost up to $10,000.
- The iTravelInsured Travel Choice Cruise cost for a 50-year-old traveller is $445, based on a trip cost of $10,000 and a trip duration of 15 days.
- Emergency medical evacuation covered up to $500,000.
- This plan is ideal for cruises and offers trip cost up to $30,000.
- The cost of Cruise travel insurance for a 50-year-old traveler is $520 based on a trip cost of $10,000 and a trip duration of 15 days.
- Emergency medical evacuation covered up to $1,000,000.
- This plan is ideal for first class cruises and offers trip cost up to $100,000.
- The Pathway Premium insurance cost for a 50-year-old traveler is $498, based on a trip cost of $10,000 and a trip duration of 15 days.
- Offers coverage for Emergency medical evacuation up to $1,000,000.
- This plan is ideal for first class cruises and offers trip cost up to $100,000.
- The Trip Protection Choice cost for a 50-year-old traveler is $707, based on a trip cost of $10,000 and a trip duration of 15 days.
- Provides coverage for medical evacuation up to $1,000,000.
- Ideal for elite luxury cruises and offers trip cost up to $150,000.
- The iTravelInsured Travel LX cost for a 50-year-old traveller is $1,101, based on a trip cost of $10,000 and a trip duration of 15 days.
How Does Viking River Cruise Travel Insurance Cover Illness and Evacuation?
The travelers on cruises are not aware of the expensive healthcare costs while on a cruise ship. The basic diagnosis and treatment of regular health conditions can cost thousands of dollars on board. In case the passenger has to be evacuated to the nearest port, the cost can be astronomical.
Viking cruise insurance policy offers travelers medical coverage for unanticipated illness or injury during the cruise, including on-board treatment and emergency evacuation.
Travelers whose domestic insurance does not cover care outside the US should choose comprehensive cruise insurance. Some plans also provide coverage for acute onset of pre-existing conditions.
What Support and Assistance Is Available During My Cruise?
With American Visitor Insurance you can get help at day or night anytime you need while traveling. All our plans give you a special phone number you can call 24/7 and no matter where you are. If you have a medical emergency we will help you to find doctors and hospitals nearby. If there are any serious conditions we will arrange to move you to get the right medical care.
We can also keep track of how you are doing and talk with the doctors. We will help with other problems like Finding your lost bags, Helping you get a new passport and travel papers if yours are lost, Getting you emergency money if you're stuck, Finding a lawyer if you need one. If anything unexpected happens during your travels on your Viking cruise you always have expert help ready just a phone call away.
Can I Get Coverage for Pre-Existing Conditions on a Viking Cruise?
Yes, you can get trip cancellation insurance that includes coverage for pre-existing medical conditions for your Viking cruise but only if you meet the purchase requirements set by each insurance provider. Many cruise-friendly travel insurance plans offer a pre-existing condition waiver, which removes the exclusion for pre-existing medical issues as long as you buy the policy within the required time window.
Most plans require purchasing the policy within 14 to 21 days of your initial trip deposit.
However, the iTravelInsured Travel LX plan through American Visitor Insurance offers exceptional flexibility you can qualify for the waiver if you buy the policy within 24 hours of your final trip payment.
This gives cruise travelers more time and ensures seniors or travelers with ongoing medical conditions can still secure strong protection.
This waiver allows you to receive coverage for medical emergencies linked to pre-existing conditions, as well as trip cancellation if a condition worsens before your cruise begins.
Even though we hope your Viking cruise is smooth and worry-free, it’s reassuring to know you're covered whether it’s a missed connection, a medical issue at sea, or a last-minute cancellation.
- Pathway Premium – Covered if purchased within 21 days of the initial trip deposit.
- Seven Corners Cruise Insurance – Covered if purchased within 20 days of the initial trip payment
- Travelex Ultimate – Waiver included if purchased within 21 days of the first trip payment, with the full trip cost insured.
- iTravelInsured Travel LX – Waiver available if purchased within 24 hours of the final trip payment.
- Safe Travels Armor – Covered if purchased within 14 days of the initial trip deposit.
- Trip Protection Choice – Covered if purchased within 20 days of the initial trip payment or deposit, and other requirements are met.
- Trip Protector Preferred – Coverage available if purchased within 21 days of the initial trip deposit.
At American Visitor Insurance, we're here to help you find the right cruise travel insurance insurance with pre-existing condition coverage, so you can travel with confidence and peace of mind.
How Pre-Existing Conditions Work on a Cruise?
Cruises carry a higher medical risk for seniors and travelers with ongoing health issues because:
- Ships sail to remote ports where medical care is not guaranteed
- Onboard medical facilities cannot treat many chronic or emergency conditions
- Cost of evacuation when needed could run into the tens of thousands of dollars.
Because of this, insurance companies have strict rules around pre-existing medical conditions.
Here’s how they typically apply to cruise travel:
- A pre-existing condition is usually defined as any condition treated or prescribed within the last 60–180 days, depending on the insurer.
- Some plans offer a pre-existing condition waiver if you buy the policy within a specific number of days after making your initial trip deposit (typically 10-21 Days).
- Without a waiver, the insurer may exclude treatment related to that condition during the cruise.
Do Seniors With Medicare Need Travel Insurance for International Trips?
Yes. US seniors with Medicare should buy international travel insurance because Medicare provides very limited coverage outside the United States. Overseas medical treatment and emergency evacuation can be extremely expensive, making additional protection essential for older travelers.
Buying a Medicare supplemental international travel insurance plan is strongly recommended for senior citizens traveling abroad.
Learn More »
Best Cruise Insurance for Seniors
Compare and buy Cruises Travel Insurance with cancel for any reason for senior citizens.
What Are the Mistakes to Avoid When Buying Viking Cruises Insurance?
Planning a cruise vacation is exciting but it is important to get your travel insurance right to avoid problems that you will face later. Here are some common mistakes to watch out for before you buy travel insurance for your cruise:
Purchase your travel insurance as soon as you make your first non-refundable payment such as your cruise deposit or airfare. Buying late may leave you unprotected if something happens before your coverage starts.
Every travel insurance policy has specific coverage details, exclusions and conditions. Take the time to read and understand what will cover and not cover so that it will be easy to file a claim.
If you have any pre-existing health conditions it’s better to disclose them and choose a policy that covers them. Many plans require you to buy insurance within a certain time frame after your initial trip payment to get this coverage.
Make sure to insure the full cost of your cruise including airfare, excursions and hotel stays. If you don’t your claim payout may be limited to the amount you insured which could be less than your actual expenses.
Standard travel insurance may not cover cruise-related issues like missed port departures, cabin confinement or cruise interruptions. Look for plans that include cruise-specific benefits or add-ons.
If you plan to participate in shore excursions and adventure activities such as scuba diving and hiking check whether these are covered and if you need additional coverage for high risk activities.
If you need to file a claim having all necessary documents like receipts, medical records, police reports and official notices with you these will make the process smoother and increase your chances of approval
How to Buy the Best Travel Insurance for Viking Cruise?
At American Visitor Insurance, you can find several trip insurance plans and cruise insurance plans many of which offer 100% trip cancellation and over 100% trip interruption benefits.Before buying, make sure you understand the coverage you need and review the exclusions to know what is not covered.
- Visit our cruise insurance page and browse to see the available plans for your criteria.
- Click on each plan to review the benefits, coverage limits, and cruise-specific protections.
- Once you decide on the plan, please click on the Buy link provided and fill the form and complete the application online.
- Make the premium payment to the plan online by paying through your credit card.
- Once the transaction is completed successfully, you will receive a confirmation email to your email address.
- Make sure to save the confirmation email safely as this will have your policy details and also the Certificate number of the plan which is very useful for all the future conversations with the insurance company.
This process ensures that you get reliable Viking travel protection insurance, giving you the essential coverage you need for a luxury river or ocean cruise.
Viking River Cruise Travel Insurance Protection Timelines
Viking Cruises travelers face unique risks, from delayed flights to medical emergencies at sea. Viking travel insurance policy protects your trip investment and gives you confidence at every point in your cruise experience. Coverage usually includes protection before your cruise trip, during the cruise on-board, and in the event of a weather disruption.
- Before Your Cruise
Your Viking cruise trip insurance will start to cover you right after purchase and initial booking. If you are unable to travel because of sickness, accident, or any other covered reasons, the non-refundable trip costs can be reimbursed by Trip Cancellation benefits. Plans with Cancel For Any Reason (CFAR) will pay back 75% at most of the non-refundable costs. - During Your Cruise
Medical emergencies that happen on board can incur a significant cost. Viking cruises insurance cover both on-board treatment and emergency medical evacuation. Moreover, comprehensive plans can also cater to the sudden outbreak of pre-existing conditions thus confirming that the travelers get the attention even if they are in the remote places. - Bad Weather & Hurricane Coverage
Viking cruises can be cancelled or delayed because of hurricanes or bad weather. Viking cruises travel protection plan reimburses your trip costs if your cruise is affected by severe weather and your cruise is postponed or cancelled.
Cruises Insurance, Cruises Cancellation Insurance - FAQ's
Traveling 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.1. Is Cruise insurance worth it?
Having good cruise insurance can make all the difference for a memorable vacation should a vacationer face any adverse situation during the cruise. The cost of cruise travel insurance varies depending on the coverage benefits included, but they typically cost between 5 to 10% of the non-refundable cruise trip costs.
Given the cruise health insurance coverage benefits, this additional cruise insurance expense is definitely worth it. Some of the benefits provided by cruise insurance include coverage for cruise cancellation expense, any additional expense due to flight or travel delay, baggage loss or baggage delay, expense due to medical evacuation to healthcare facility as well as the healthcare costs if one falls ill or is injured during the cruise.
2. What coverage does Cruise travel insurance provide?
Most cruise travel insurance plans provide the following coverages :
- Trip cancellation
- Trip delay
- Emergency medical evacuation
- Baggage loss
- Baggage delay
- Medical coverage
Some add-on coverage available with some plans include - Cancel for any reason cancellation. Please look at the plan brochures for details of the coverage.
3. Do you need to buy Cruise insurance?
There are many coverage benefits provided by Cruise insurance which are very important while going on a cruise vacation. Cruise insurance provides coverage for trip cancellation, trip delay, flight delay or missed connections resulting in missed cruises and any additional expenses related to making the cruise, baggage loss, baggage delay, medical evacuation if needed to healthcare facility as well as covering the medical expenses of the traveler.
All of these cruise insurance coverage benefits are very important given the nature of traveling on a cruise. Given the Covid pandemic, some cruise lines are recommending cruise travel insurance, especially for unvaccinated travelers.
Irrespective of whether cruise insurance is mandated or not, given the relatively low cost of cruise insurance when compared to the coverage benefits provided, buying the best cruise travel insurance is strongly recommended. Cruise health insurance provides peace of mind and can make all the difference in making in one’s cruise vacation memorable.
4. When should I buy the Cruise Insurance
It is best to buy the cruise insurance as soon as you make the first payment for the trip. The Cruise cancellation insurance benefit starts as soon as you buy the insurance well before the actual cruise start date.
It is possible that you cancel the trip for valid reasons well before the journey and if you have cruise insurance, you are eligible to get the benefit of this coverage. Some benefits such as the ‘Cancel for any reason’ is also time sensitive and usually needs to be bought within 21 days of the first payment.
However travelers can buy cruise insurance later as well and can be bought just before the cruise starts. Some plans are even available post-departure of the cruise.
5. 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:-
- 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.
- Emergency Medical: The cost of routine medical checks have increased hence its advisable that travelers traveling by cruisers buy a travel insurance policy a minimum of $100,000 for Emergency Medical.
- 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.
6. 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.
7. 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.
- 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.
- Type of travel insurance: Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance
- 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.
- Region of coverage: Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.
- 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.
8. 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.
9. 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.
10. 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 vacation travel insurance that includes domestic travel. Otherwise, you can enter your first port of call and you will be covered for your entire cruise!
11. I already insured my trip with the cruise line, do I really need more insurance?
That depends. Did you look over their policy carefully? The cruise insurance may be focussed on getting your money back for what you paid for the cruise. What about your plane tickets to get you to the initial port and home from the last port?
What if your luggage is lost on the way? What if you get sick or hurt during your cruise? Be sure that you have cruise health insurance that is good while you are away from home.
Going abroad or even out of state can increase deductibles and/or coinsurance or you may not even be covered. Find out ahead of time! Know the limitations of the cruise medical insurance and figure out if you would like to be more secure in your purchase. Finally, trip cancellation insurance companies are experts at helping travelers and they have thought of a lot of things going wrong that you may not have! So, consider your options carefully.
Travel Tips for Cruise Travelers
Travel tips for international cruise travelers – Safety, Comfort and Wellness.
Viking Travel Insurance Reviews
Reviews, Ratings and Experiences from our customers
Francisco
"I am always appreciating good business conduct and when I am coming back here for the longer time span."
Pui Lum Hannah Cheong
"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance co."
Henry
"Thank you for your prompt response. Your prompt response will be highly appreciated."
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