Best Cruise travel insurance for Seniors, Cruise travel medical insurance for senior citizens.

Cruise travel insurance for Seniors

Why choose seniors cruise travel insurance?

Most U.S. health insurance plans will not cover travelers on a cruise, especially if they leave U.S. national borders. For seniors, cruise insurance is particularly important as it protects against any prepaid, non-refundable expenses in case of cancellation, delay, or interruption of the cruise vacation. Additionally, cruise insurance provides health coverage for medical emergencies, emergency medical evacuation, and repatriation, which can be crucial for older travelers who may have specific health needs.

Seniors can also purchase cruise insurance with Cancel for Any Reason coverage, which becomes effective shortly after booking the cruise. This coverage allows for a refund if the cruise is canceled for any reason, providing peace of mind in case unexpected circumstances arise.

What are the best cruise insurance plans for seniors?

Cruise Travel Insurance

Best cruise insurance for US residents taking domestic or international trips.
Trip Inconvenience (Cruise Diversion & Disablement) covers $250 per event, up to $500.
Minimum trip cost is $100 and maximum trip cost is available up to $30,000.
Covers trips up to 30 days and travelers up to 99 years old.
Cancelling your cruise covered up to 100% of the cost of your trip.
Missing the boat is covered up to $250 per day up to $1,500.
Optional cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
Offers coverage for emergency accident and sickness medical expenses up to $250,000.

Plan Details Brochure Cruise Insurance Reviews

description
Coverage Type of Plan
Secondary
luggage
Baggage Delay
$100 per day up to $500
medical_services
Medical Evacuation
$500,000
heart_plus
Pre-existing Condition Waiver
Covered
work_history
Trip delay coverage
$250 per day up to $1,000
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ITravelinsured Travel Choice

Cheap cruise insurance for seniors for domestic and international destinations.
The minimum trip cost is $500, and the maximum trip cost is $10,000.
Maximum trip length is 180 days and coverage up to 99 years.
Cancelling your cruise covered up to 100% of the cost of your trip.
Missing the boat is covered up to $500 per person.
Pre-existing condition waiver is available if purchased within 21 days of the initial trip payment.
Offers coverage for emergency accident and sickness medical expenses up to $100,000.

Plan Details Brochure Itravelinsured Choice Reviews

description
Coverage Type of Plan
Primary
luggage
Baggage Delay
$300
medical_services
Medical Evacuation
$500,000
work_history
Trip delay coverage
Up to $150 per day per person ($1,000 max per person)
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ITravelinsured Travel LX

For elite luxury travelers taking expensive vacations and adventure trips to exotic locations worldwide.
The minimum trip cost is $500, and the maximum trip cost is $150,000.
Coverage up to 99 years and Maximum trip length is 180 days.
Cancelling your cruise covered up to 100% of the cost of your trip.
Missing the boat is covered up to $500 per person.
Optional cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
Pre-Existing Condition Exclusion Waiver is covered if purchased within 24 hours of the final trip payment.
Offers coverage for emergency accident and sickness medical expenses up to $500,000.

Plan Details Brochure Itravelinsured LX Reviews

description
Coverage Type of Plan
Primary
luggage
Baggage Delay
$500
medical_services
Medical Evacuation
$100,000
work_history
Trip delay coverage
Up to $250 per day per person ($2,500 max per person)
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Safe Travels Voyager

Ideal for first class travellers taking expensive vacations.
Covers trips up to 180 days for travelers up to age 99.
Maximum trip cost is available up to $100,000.
Missing the boat is covered up to $1,000.
Cancelling your cruise covered up to $100,000.
Optional pre-existing condition coverage included within 21 days of deposit.
Cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
Offers coverage for emergency accident and sickness medical expenses up to $250,000.

Plan Details Brochure Safe Travels Voyager Reviews

description
Coverage Type of Plan
Primary
luggage
Baggage Delay
$600 (8 hours or more)
medical_services
Medical Evacuation
$1,000,000
work_history
Trip delay coverage
$3,000 ($250 per day for delays of 6 hours or more)
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Trip Protection Choice

Maximum trip length is 180 days and coverage up to 99 years.
Maximum trip cost is available up to $100,000.
Missing the boat is covered up to $250 per day up to $1,500.
Cancelling your cruise covered up to 100% of the cost of your trip.
Optional cancel for Any Reason (CFAR) covers 75% of non-refundable trip costs if purchased.
Offers coverage for emergency accident and sickness medical expenses up to $500,000.

Plan Details Brochure Trip Protection Choice Reviews

description
Coverage Type of Plan
Primary
medical_services
Medical Evacuation
$1,000,000
work_history
Trip delay coverage
$200 per day per person(Up to a maximum of $2,000)
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How much does cheap cruise insurance for seniors cost?

The cost cheapest cruise insurance for seniors ranges from $214 to $259 for a 15 days trip. The Cruise insurance cost depends on the age of the traveler, the cruise length and the cruise destination.

For example here we are showing the cruise insurance cost for a 60 year old traveler for a trip of 15 days.

Plan Name	Cruise Cancellation coverage	Cruise insurance Cost
Safe Travels Protect	100% of trip cost up to $14,000	$214
ITravelinsured Choice	100% of trip cost up to $10,000	$229
Safe Travels Explorer	100% of trip cost up to $30,000	$240
Safe Travels Defend	100% of trip cost up to $50,000	$259

Source: American Visitor Insurance®

How much does the best Cruise Insurance for Seniors cost?

The cost of the best cruise insurance for seniors ranges between $308 to $514 for a 15 day trip. The Cruise insurance cost depends on the age of the traveler, the cruise length and the cruise destination.

For example here we are showing the cruise insurance cost for a 60 year old traveler for a trip of 15 days.

Plan Name	Cruise Cancellation coverage	Cruise insurance Cost
Safe Travels Armor	100% of trip cost up to $100,000	$308
ITravelinsured SE	100% of trip cost up to $100,000	$344
Safe Travels Voyager	100% of trip cost up to $100,000	$397
Cruise Travel Insurance	100% of trip cost up to $30,000	$398
Trip Protection Choice	100% of trip cost up to $100,000	$457
Travel insurance select Plus	100% of trip cost up to $50,000	$476
ITravelinsured LX	100% of trip cost up to $150,000	$514

Source: American Visitor Insurance®

Which is the cheapest cruise travel insurance for seniors?

Safe Travels Protect from Trawick International is the chepest cruise insurance for seniors. Covers 100% of the trip cancellation and interruption cost up to the policy maximum of $14,000. The plan offers $25,000 emergency medical expense for unexpected sickness and injury. The plan provides coverage of $250,000 for emergency evacuation and $350,000 for repatriation.

Which is the best travel cruise insurance for seniors?

ITravelinsured Travel LX from IMG is the best seniors cruise travel insurance. Offers trip cost up to $150,000. Covers trip cancellation up to 100% of trip cost and trip interruption up to 150% of trip cost. Offers optional cancel for reason up to 75% of non refundable trip cost. Emergency medical evacuation covered up to $1,000,000.

What does cruise travel insurance cover?

1. 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 $500k.

2. 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.

3. 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.

4. Medical Evacuation

The best travel insurance for cruise trip also provides coverage for medical evacuation up to $1M 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 $50K for non medical evacuation.

5. 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.

6. 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 $1M 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.

7. 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.

Seniors cruise 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.

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 $100K for Emergency Medical.
Medical Evacuation: Cruisers should purchase a policy with a minimum of $250K 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.

Cruise insurance for seniors is a type of travel insurance offers coverage for a wide range of scenarios including trip cancellation, trip interruption, medical emergencies, missed connections, trip delay, lost baggage or damaged baggage.

Cruise insurance is slightly different from travel insurance, where Cruise insurance typically focuses more closely on the incidents in the Cruise for coverage, while travel insurance offers broader coverage and extends beyond the Cruise including unexpected incidents during the entire duration of the travel.

Depending on your travel insurance, you may not be covered while on a cruise. Coverage can vary based on factors like your age, cruise destination or the timing of any injury or illness during your trip.

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.

ITravelinsured Travel LX and Safe Travels Voyager plans are the best cruise travel insurance for seniors over 70. These plans covers trip cancellation up to 100% of trip cost and trip interruption up to 150% of trip cost. Offers optional cancel for reason up to 75% of non refundable trip cost. Emergency medical evacuation covered up to $1,000,000.

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.

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!

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.

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.

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.

Yes, travel insurance with trip cancellation insurance coverage provide coverage for cruise trips.

There are many plans offering coverage for cruise and the price depends on the cost of the trip, the coverage benefits in the plan and the details of the customer like the age and policy maximum and deductible amounts on the plan. Here you can get price quote for cruise travel insurance by filling your details.

Yes, there are plans that provide "Cancel for any reason" benefit and here you can see the list of plans with this benefit

A cruise specific travel insurance has all the benefits of any other travel insurance. However, it also includes coverage for incidents that might happen when you are on the cruise. Those incidents could be:

Trip or cruise cancellation
Luggage loss or delay
Missing the cruise
Sickness while on the cruise
Emergency assistance
Misplaced or lost documents

Click here to view more FAQ's

Travel insurance plans for older US travelers with Medicare coverage

US pensioners and older travelers with Medicare need good international travel insurance given that Medicare offers little coverage outside USA.

Any travel overseas involves risks especially for older travelers and the costs of medical evacuation and health care outside the US is expensive.

In this context buying Medicare Supplemental international travel insurance coverage for US senior citizen travelers is strongly recommended.
Know more »

Trip Cancellation Insurance

Highlights of trip cancellation insurance coverage benefits

Cancel for Any Reason

Compare travel Insurance with cancel for any reason benefit.

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Trip Delay

Best trip cancellation insurance with quarantine coverage.

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Rental Car

Rental car Insurance for damage, theft, repair of rented cars.

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Trip Cancellation

Trip cancellation insurance for trip expenses if the trip is cancelled.

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Trip Interruption

Trip interruption insurance for travel expenses when a trip is Interrupted.

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Baggage Loss

Travel insurance coverage due to lost, damaged, delayed or stolen luggage.

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Medical Evacuation

Emergency medical evacuation travel insurance coverage.

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Cost of travel insurance

Factors to consider while buying travel insurance, trip cancellation.

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Travel insurance cost calculator

Travel Insurance cost calculator, Trip cost calculator.

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Cruise travel insurance reviews

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Factors to consider while buying Cruises insurance

Maximum medical coverage

When choosing a plan consider the medical maximum and determine if it is enough for where you are traveling. Health costs in the US are very high, but are generally lower in other countries. For example, when travelers are required to purchase insurance for European countries, they only require $50K maximum, so this should be sufficient.

On the other hand, you may want to make sure you have a high amount set aside for Emergency Medical Evacuation particularly if you will be in remote locations. Also be sure that if you plan on adventure activities, that your plan will cover injury/accident related to that. Even downhill skiing may require a special sports rider to be sure it is covered.

Cancel for any reason insurance

In today’s uncertain world, some people would like to cancel for reasons beyond the “allowed” reasons for most policies. This option will cost you more, but consider the importance to your peace of mind and the protection of your investment before you decide against it.

For example, most policies will allow you to cancel if there has been a terror attack where you are going, but perhaps not if it was merely nearby. Same will be true for natural disasters. This option would allow you more leeway in your vacation plans.

Other cruises insurance coverage benefits

Other items of importance may be luggage loss amounts, rental car coverage, etc. Some of these are available as riders to the basic policy and some are set in each policy.

Exact amounts of coverage vary by company, so be sure you check all the details that may be important to you. More companies are offering coverage for lost electronics/cameras which may be important depending on your trip purpose.

Cost of travel insurance for cruises

Age of the Traveler, Cost of the Trip, Length of the Trip
Travel destination: The cost of healthcare in the travel destination determines the cost of travel insurance. The US has very high healthcare costs, and hence travel insurance is also more expensive.
Coverage Benefits and coverage amount: The cost of travel insurance depends on the type of coverage benefits included and the maximum coverage required. The higher the coverage, the higher the travel insurance cost.
Add-on benefit coverage: Cancel for Any Reason (CFAR), Adventure sports, Vacation rental - add to the cost of travel insurance.

Cruise travel insurance protection timelines

Going on a cruise vacation can be an expensive and a simple delay or missing a flight can spoil the entire vacation. Given the constant changes in the weather conditions, delays with airline and airport chaos, factors like covid pandemic in famous cruise destinations, travelers should have good Cruise travel insurance to protect the money spent on the cruise.
Cruise travel insurance provides coverage well before the start of the cruise, continues with the coverage during the cruise at Sea till the Cruise journey is completed. Given below are the coverage details at different stages of the Cruise.

1. Cruise insurance protection before the commencement of the Cruise

Cruise insurance offers protection against the traveler’s monetary investment on the cruise from the time the cruise travel insurance has been purchased and the initial booking for the Cruise has been made. The cruise insurance will reimburse the trip expenses if anything goes wrong before the start of the trip. If the travelers are unable to reach their cruise or got delayed for some covered reason like illness or bad weather then the trip expenses can be reimbursed.

Cruise insurance will reimburse all of the trip expenses under the Trip Cancellation cover if the cruiser is not able to reach the cruise in time for any covered reason. Covered reasons like bad weather, illness, injury, or death can be insured. If the insurance includes Cancel for any reason, then the traveler can simply decide not to take the cruise and still get reimbursed up to 75% of the non-refundable cruise expenses.

2. Cruise insurance coverage during the journey

Many cruisers are not aware of the high healthcare cost on a cruise ship. The basic diagnosis and treatment of regular health conditions can cost thousands of dollars on board a cruise ship. In case the passenger has to be evacuated to the nearest port the cost of evacuation can be astronomical. Cruise insurance offers travelers medical insurance coverage for unanticipated illness or injury during the cruise.

Most policies offer benefits for on-board medical treatment, as well as additional coverage for an evacuation in case of an emergency. Cruisers whose primary domestic health insurance does not offer coverage outside of the US borders or to any inaccessible locations should choose comprehensive cruise insurance.

Vacationers who are concerned about the medical emergency that can arise while on the cruise should choose to buy a comprehensive cruise insurance policy that covers Emergency Medical treatment and Medical Evacuation. There are also a few Cruise travel insurance plans that offer coverage for acute onset of Pre-existing conditions.

3. Cruise insurance for bad weather conditions like a hurricane

Most of the vacationers plan for a cruise trip during the summer which ironically is the hurricane season. This makes cruising risky as it is exposed to cancellations due to bad weather conditions. Cruise travel insurance offers coverage for Hurricane & adverse weather, where cruisers can reimburse the cost of the trip in case the trip gets cancelled due to extreme weather, a storm at their destination or any delays due to weather.

How cruise travel insurance offers coverage for illness and evacuation?

The travellers on cruises are not aware of the expensive healthcare cost while on a cruise ship. The basic diagnosis and treatment of regular health conditions can cost thousands of dollars on board a cruise ship. In case the passenger has to be evacuated to the nearest port the cost of evacuation can be astronomical.

Cruise insurance offers travelers medical insurance coverage for unanticipated illness or injury during the cruise. Most policies offer benefits for on-board medical treatment, as well as additional coverage for an evacuation in case of an emergency.

Cruisers whose primary domestic health insurance does not offer coverage outside of the US borders or to any inaccessible locations should choose comprehensive cruise insurance. There are also a few Cruise travel insurance plans that offer coverage for acute onset of Pre-existing conditions.

How to buy insurance for a cruise?

At AmericanVisitorInsurance, you can find several trip insurance plans or cruise insurance plans and almost all cover 100% and more than 100% for trip cancellation and trip interruption respectively. Make sure you know what you require and look carefully that satisfies your requirements. Go through the exclusions to know what is not covered as well. Here is a step by step guide to buy the insurance:

Visit our cruise page and scroll to see the available plans for your criteria.
Click on the link provided for each plan and view the benefits.
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.