How Much Does Cruise Travel Insurance Cost in 2026?
Cruise insurance costs $31 to $1,178 for a 15-day trip, depending on age, trip cost, and coverage level. Budget plans start around $31-$64 for a $1,000 trip cost, while comprehensive plans with higher medical and evacuation limits run $385–$966 for a $10,000 trip cost. Adding Cancel for Any Reason (CFAR) typically adds 40-60% to the base premium.
Why Do Cruise Insurance Costs Matter?
Planning a cruise is exciting, whether you’re sailing through the Caribbean, the wilds of Alaska, or a European luxury cruise, you're likely to have a lot of excitement building!. But just like with any type of travel, cruise poses its own unique risks that can quickly turn into expensive setbacks if you’re not prepared. A cruise itinerary generally involves multiple ports, several flights to reach the embarkation city, connecting schedules that leave no room for delays, and long sea days during which the whole cruise may be altered due to a sudden sickness, an unforeseen storm, a missed flight, or even a delayed arrival at the port, resulting in a considerable financial loss.
That’s why cruise insurance becomes hugely important. For example, most cruise lines have very specific in their cancellation policies about refunds. Many trip costs that have been pre-paid (like excursions, airfare, and cabin upgrades) are generally treated as non-refundable. Facing a medical emergency on a cruise ship or during a shore excursion can be quite costly; the cost of a medical emergency requiring evacuation or treatment overseas can be prohibitively high.
The different situations of each traveler determine the cost of cruise insurance, which can vary significantly based on age, destination, trip cost, and the level of coverage selected. At American Visitor Insurance, we help travelers understand these cost ranges right from the beginning so they can plan their budget more accurately, choose the most suitable protection for their itinerary, and avoid unexpected expenses that could overshadow their entire vacation.
Cruise insurance is not merely an extra cost; it is a wise investment to secure both your peace of mind and your financial wellbeing throughout the trip.
How Much Does Cruise Travel Insurance Cost?
The Cheapest cruise insurance cost ranges from $31 to $1,178 for a 15 days trip. This cruise insurance cost may vary based on travelers age, cruise destination and length of the cruise.
Before choosing a plan, it helps to understand how much cruise insurance costs and what you’re actually paying for. Our what affects the cost of cruise vacation insurance? guide breaks down average cruise insurance prices, the factors that impact cruise insurance cost, and what each coverage level includes. With clear examples of typical premiums based on age, destination, and trip cost, it’s a quick, helpful resource that makes comparing cruise insurance rates simple, so you can confidently choose the right protection for your trip.
For example, the prices shown here are based on a 55-year-old traveler with a 15-day trip duration.
| Plan Name | $1,000 | $5,000 | $10,000 | $20,000 |
|---|---|---|---|---|
| Pathway Domestic | $31 | $129 | $279 | Not Available |
| Safe Travels Protect | $39 | $161 | $349 | Not Available |
| Pathway Essential | $40 | $165 | $358 | $729 |
| Safe Travels Sailaway Essential | $49 | $202 | $438 | $894 |
| iTravelInsured Travel Lite | $53 | $267 | $569 | $1,178 |
| Travelex Advantage | $52 | $220 | $602 | Not Available |
| iTravelInsured Travel Choice | $57 | $175 | $382 | Not Available |
| Safe Travels Sailaway Cruise | $64 | $248 | $528 | $1,068 |
| iTravelInsured Choice Cruise | $95 | $215 | $445 | Not Available |
| Cruise Travel Insurance | $88 | $275 | $520 | $1,028 |
Prices verified for the 2026 travel season · Source: American Visitor Insurance®
Planning a Premium Cruise?
If you’re planning a premium or high-end cruise experience with longer itineraries, exclusive excursions, or luxury cruise lines you may also want to explore insurance options designed specifically for upscale travel. Our Best Luxury Travel Insurance guide highlights top plans that offer higher medical coverage limits, superior trip cancellation protection, and enhanced benefits ideal for travelers investing in a luxury cruise
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 traveler's age, cruise destination and 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 | $30,000 | $50,000 | $100,000 | $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 |
| Safe Travels Sailaway Luxury | $1,797 | $3,022 | $6,142 | 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 |
Prices verified for the 2026 travel season · Source: American Visitor Insurance®
Best Luxury Cruise Travel Insurance
What Factors Influence the Cost of Trip Insurance for Cruises?
Cruise insurance pricing varies significantly from person to person because insurers evaluate risk across multiple factors. Understanding each one helps you estimate your premium more accurately and choose the right level of protection for your trip.
- check_circleTraveler's Age: Age is one of the most significant pricing factors. Premiums run higher for older travelers, especially those above 70 or 80, since insurers price in the increased chance of medical claims that comes with age. Seniors on long or international cruises should expect a noticeably higher cost.
- check_circleTotal Trip Cost: Premiums are often tied to your prepaid, non-refundable expenses. Cruise fare, flights, hotels, and pre-paid excursions all add up to the insured value of the trip - the more expensive the trip, the higher the premium, especially for comprehensive plans.
- check_circleTrip Duration: Longer cruises naturally cost more to insure. A 7-day Caribbean cruise costs far less to cover than a 14-day Mediterranean or 21-day repositioning cruise - more days on the ship means more chances of illness, weather disruption, or itinerary changes.
- check_circleMedical Coverage Limit Selected: Your chosen medical and evacuation limits significantly impact cost. Choosing between $100,000, $250,000, or $500,000 in coverage meaningfully shifts the premium - remote destinations usually call for higher limits, raising the final price.
- check_circleSpecial Activities & Excursions: Shore excursions like scuba diving, snorkeling, glacier hiking, zodiac rides, polar plunges, kayaking, or other adventure activities carry higher risk and often require specialty add-ons or adventure sports riders.
- check_circleCoverage Add-Ons & Upgrades: Cancel for Any Reason (CFAR) typically adds 40-60% to the base policy cost. Pre-existing condition waivers - which must be purchased early - can add 20-30%. Higher evacuation and repatriation limits raise the price further.
How Much Does Cruise Insurance Cost for Seniors?
Travel insurance premiums generally increase with age, so seniors typically pay more than younger travelers - but affordable plans are still available that provide excellent medical and emergency evacuation protection for cruise vacations.
Budget-Friendly Cruise InsuranceFor travelers looking for economical coverage, Pathway Domestic offers solid trip protection with emergency medical and evacuation benefits at a competitive price.
Best Overall ValueFor seniors seeking broader protection at a reasonable cost, iTravelInsured Travel LX provides higher medical and evacuation limits, includes valuable travel benefits, and offers an optional Cancel For Any Reason (CFAR) upgrade. Eligible travelers may also qualify for a pre-existing medical condition waiver when the plan is purchased within the required timeframe.
Visit our best cruise travel insurance for seniors guide on American Visitor Insurance to compare age-based pricing, coverage options, and CFAR eligibility.
Compare Cruise Insurance Costs for Seniors
Compare and Buy Cruises Travel Insurance with cancel for any reason for senior citizens.
What Does Cruise Travel Insurance Cover?
Cruise travel insurance covered reasons refer to the specific situations in which your policy provides financial or medical protection during your trip or cruise.
Common Cruise travel insurance covered reasons 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.
- 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.
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 cover death, loss of sight, or loss of limbs due to an accident that occurs during the cruise holiday.
Baggage loss, baggage delay and missed connection
- The 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.
- 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 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.
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.
Which Is the Cheapest Cruise Insurance for Trips for Cruises?
The Cheapest cruise insurance is Safe Travels Protect, starting at $32 for 15 days.
Other Affordable cruise travel insurance include Pathway Essential and Travelex Advantage.
Other Affordable Cruise Travel Insurance Plans
- Safe Travels Sailaway Essential: A cruise insurance plan designed for essential trip protection, offering 100% trip cancellation coverage up to $25,000 and emergency medical coverage up to $75,000 to safeguard your cruise vacation.
- 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 Cruise?
The Best cruise travel insurance is ITravelinsured Choice Cruise, starting at $385.
Other recommended Best insurance for cruise travelers include Travelex Ultimate, Seven Corners Cruise and iTravelInsured Travel LX.
Ideal for cruise travelers with free coverage for one child (=18) per adult.
- check_circleTrip Cost: Up to $10,000
- check_circleEmergency medical coverage : Up to $100,000
- check_circleTrip Cancellation : Up to 100% trip cost
- check_circleMedical Evacuation : Up to $500,000
Ideal for mid-range cruise travelers, offering comprehensive cruise insurance with itinerary change protection.
- check_circleTrip Cost: Up to $50,000
- check_circleEmergency medical coverage : Up to $100,000
- check_circleTrip Cancellation : Up to 100% trip cost
- check_circleMedical Evacuation : Up to $500,000
Ideal for U.S. residents embarking on high-end domestic or international cruises.
- check_circleTrip Cost: Up to $30,000
- check_circleEmergency medical coverage : Up to $250,000
- check_circleTrip Cancellation : Up to 100% trip cost
- check_circleMedical Evacuation : Up to $500,000
Best for luxury cruise travelers sailing on premium river, ocean, or expedition voyages.
- check_circleTrip Cost: Up to $50,000
- check_circleEmergency medical coverage : Up to $250,000
- check_circleTrip Cancellation : Up to 100% trip cost
- check_circleMedical Evacuation : Up to $1,000,000
For elite travelers taking high-end vacations and adventure trips worldwide.
- check_circleTrip Cost: Up to $150,000
- check_circleEmergency medical coverage : Up to $500,000
- check_circleTrip Cancellation : Up to 100% trip cost
- check_circleMedical Evacuation : Up to $1,000,000
Compare Cruise-Specific Travel Insurance
iTravelInsured Choice Cruise, Seven Corners Cruise Insurance, Safe Travels Sailaway Cruise, and BHTP WaveCare are top choices for cruise travelers through American Visitor Insurance, offering coverage for cruise-specific risks, including missed ports, itinerary changes, and onboard medical emergencies.
| Feature | iTravelInsured Choice Cruise | Seven Corners Cruise Insurance | Safe Travels Sailaway Cruise | BHTP WaveCare |
|---|---|---|---|---|
| Family / Child Benefit | One child (under 18) free per insured adult | No free child benefit | No free child benefit | No free child benefit |
| Trip Cancellation | 100% of trip cost up to $10,000 | 100% of non-refundable trip cost (max $30,000) | 100% of trip cost up to $50,000 | 100% of trip cost up to $25,000 |
| Trip Interruption | Up to 150% of trip cost | Up to 150% of insured trip cost | 125% of trip cost up to $62,500 | 150% of trip cost up to $37,500 |
| Medical Coverage | $100,000 per person (primary) | $250,000 per person | $100,000 per person (primary) | $75,000 per person (primary) |
| Medical Evacuation / Repatriation | $500,000 per person | $500,000 per person | $500,000 evacuation / $500,000 repatriation | $750,000 (incl. up to $25,000 escort expenses) |
| Cruise-Specific Coverage | Port closures, mechanical issues, itinerary changes, missed ports | Missed cruise connections, cruise diversion, itinerary changes | Itinerary changes, missed cruise connections, travel inconvenience benefit | Cruise Disablement, Cruise Diversion, River Cruise Diversion |
| Missed Connection / Missed Ship | Yes | Yes | Yes ($1,500, 6-hour trigger) | Yes ($500, 3-hour trigger) |
| Optional CFAR and IFAR | Not Covered | Available (up to 75% of non-refundable trip cost) | Not Covered | Not Covered |
| Pre-Existing Waiver | Not Covered | Covered if you meet requirements | Covered if purchased within 14 days of initial deposit | Covered if purchased within 15 days of initial deposit |
| Ideal For | Travelers who want cruise-specialized coverage (port closures, mechanical issues); families; balanced price-to-protection ratio. | Travelers seeking stronger medical expense limits with standard cruise protection. | Travelers wanting a balanced mid-tier plan with strong primary medical coverage and included travel perks. | Ocean or river cruisers wanting the highest evacuation limit and unique disruption coverage. |
| Trip Duration | 90 days | 30 days | 90 days | Up to 60 days |
- iTravelInsured Choice Cruise Insurance is ideal for travelers who want cruise-specific protection, including port closures, mechanical issues, and itinerary changes. It is also a family-friendly option, allowing one child age 18 or under to be covered free per insured adult, with trip durations supported for up to 90 days.
- Seven Corners Cruise Insurance is better suited for those seeking higher medical coverage, pre-existing condition waivers, optional CFAR and IFAR and standard cruise protections for shorter trips up to 30 days.
- Safe Travels Sailaway Cruise Insurance is a strong mid-tier pick for travelers who want higher trip cancellation limits (up to $50,000), primary $100,000 medical coverage, and included perks like airport lounge access and a pre-travel medication consultation, with support for trips up to 90 days.
- BHTP WaveCare stands out for its $750,000 evacuation limit and cruise-exclusive benefits - Cruise Disablement, Cruise Diversion, and River Cruise Diversion, making it a strong choice for both ocean and river cruisers.
Best Luxury Cruise Travel Insurance
How to Get the Cheapest Cruise Insurance?
Finding cheap cruise travel insurance doesn't mean compromising on essential protection. You can lower the cost of your policy by employing several proven methods while still staying covered for medical expenses and trip cancellation. Below are tips on how to get affordable cruise travel insurance.
Purchasing your plan early - especially within 24 hours of making your final payment for the trip - can help you qualify for essential benefits like the pre-existing medical condition waiver.
- Buying early also gives you access to the best pricing and plan availability before rates increase
Prices vary widely between companies, and comparing plans is the easiest way to find the most affordable option.
- At American Visitor Insurance, travelers can compare cruise insurance policies from several top-rated insurance companies in one place and select the one that best meets their budget
If your cruise ticket is refundable or your prepaid expenses are minimal, you may not need cancellation benefits. A medical-only cruise insurance plan is often the cheapest option, covering:
- Emergency medical care
- Serious illness or injury on board
- Emergency evacuation
This can save travelers up to 70–80% compared to comprehensive plans.
- CFAR offers the highest flexibility but is also one of the costliest add-ons, increasing the total premium by 40–60%
- If you are comfortable relying on standard cancellation reasons, skipping CFAR can significantly reduce the price of your plan
Trip cancellation premiums are based on the total non-refundable cost you enter. You can reduce your insurance cost by:
- Only insuring non-refundable amounts
- Not adding future expenses you may cancel later
- Avoiding inflated estimates
Accurately listing your prepaid costs is one of the easiest ways to lower your premium without losing coverage.
The most reliable way to get the cheapest cruise travel insurance is to compare multiple US travel insurance providers and select the plan that fits both your trip and budget. American Visitor Insurance provides easy online quote tools and support from licensed agents to help you understand exactly what coverage you need.
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When Should You Buy Cruise Insurance?
When it comes to cruise travel insurance, timing is the key factor that affects both price and coverage. Buying your plan at the right time can result in the obtaining of expensive benefits like pre-existing condition waivers and Cancel For Any Reason (CFAR) options.
-
Buy Within 15–21 Days of Your First Trip Payment
For most cruise insurance plans, purchasing within 15–21 days of your initial trip payment allows you to qualify for important benefits. This early purchase window ensures you are eligible for certain coverage features and can secure the best rates.
-
Qualify for the Pre-Existing Condition Waiver
In case pre-existing medical conditions should be covered, it is very important to get your insurance policy early. Most plans require you to buy your cruise insurance within 14–21 days of your first payment to qualify for the waiver. This can save you thousands of dollars in medical coverage and protect against unexpected health issues during your trip.
-
Take Advantage of Cancel For Any Reason (CFAR)
CFAR is an optional upgrade that gives travelers maximum flexibility to cancel their cruise for reasons not covered by standard insurance.
- To qualify, you usually must purchase the policy shortly after making your initial trip payment.
- Buying late may make you ineligible for CFAR, limiting your cancellation options.
Pro Tip: Don’t Wait Until the Last Minute
Last-minute cruise insurance purchases may still cover medical emergencies, but you risk:
- Higher premiums
- Missing pre-existing condition coverage
- Losing eligibility for CFAR
- Less plan choice
At American Visitor Insurance, we recommend booking your cruise insurance early to maximize coverage and minimize costs.
call (877)-340-7910 to speak with an agent and ensure you get the right policy at the right time.Where Can I Buy the Best Cruise Insurance?
Once you know what to look for in a cruise insurance plan, American Visitor Insurance makes it easy to compare and purchase the right coverage, allowing travelers to review cruise insurance plans and coverage options from multiple providers in one place.
Why Buy Cruise Insurance Through American Visitor Insurance?Easy Plan Comparison & Online Purchase
Using the factors outlined above, travelers can compare cruise insurance benefits such as trip cancellation coverage, emergency medical benefits, evacuation coverage, pre-existing condition waivers, cruise-specific benefits, and CFAR options. A side-by-side plan comparison allows you to weigh coverage details, benefits, and pricing before selecting and purchasing a plan online.
Helpful Resources for Choosing Cruise Insurance
American Visitor Insurance provides detailed FAQs, cruise travel insurance guides, and educational resources to help travelers apply the selection criteria that matter most to their trip. These resources can help you compare plans based on cruise type, destination, trip cost, travel arrangements, coverage limits, exclusions, and other factors before making a purchase.
Experienced Customer Support
With more than 20 years of experience in the U.S. travel insurance industry, the licensed support team can help travelers work through how to choose the best cruise travel insurance for their needs, including plans with pre-existing condition waivers, higher medical limits, and cruise-specific benefits.
Support Before and During Your Cruise
Customer support is available across both East Coast and West Coast U.S. time zones, assisting travelers as they decide on the right plan during the application process and with claims-related questions while traveling or onboard a cruise ship.
Licensed & Trusted U.S.-Based Platform
American Visitor Insurance is a licensed U.S.-based insurance provider (NJ License #1181604), offering a reliable and secure way for travelers to research, compare, and purchase cruise travel insurance online.
Overall, choosing cruise insurance through American Visitor Insurance gives travelers the flexibility to apply the right criteria, compare multiple plans side by side, and select a policy that best matches their cruise itinerary, trip cost, and individual coverage needs.
Should You Choose Cruise Insurance With Cancel For Any Reason (CFAR) Coverage?
Standard trip cancellation coverage only reimburses cancellations for specific covered reasons. Unexpected school events, work schedule changes, personal situations, or simply a change of mind aren't typically covered under a standard policy, which is an important factor to weigh when choosing a plan.
That's where cruise insurance with CFAR coverage can help. Eligible CFAR plans allow travelers to cancel for reasons not normally covered by standard trip cancellation benefits and typically reimburse up to 75% of eligible prepaid, non-refundable trip costs, provided all plan requirements are met.
CFAR is worth considering when choosing insurance for an expensive cruise booked months in advance, since it provides greater flexibility if travel plans change unexpectedly.
Which Is The Best Cancel For Any Reason Cruise Insurance to Choose?
The Best Cancel For Any Reason Cruise Insurance options to choose from include iTravelInsured LX, Safe Travels Sailaway Luxury, Safe Travels Pathway Premium Insurance, Seven Corners Cruise Insurance and Trip Protection Choice Insurance. Seven Corners Cruise Insurance And Safe Travels Sailaway Luxury Are Specifically Designed For Cruise Travel With Cancel For Any Reason (CFAR) Coverage.
- iTravelInsured LX: Optional CFAR up to 75% of trip cost. Must be bought within 20 days of deposit and cancelled at least 2 days before departure.
- Safe Travels Pathway Premium Insurance: Optional CFAR up to 75% of non-refundable trip cost. Must be purchased within 21 days of initial deposit.
- Safe Travels Sailaway Luxury: Optional CFAR up to 75% of non-refundable trip cost. Must be purchased within 21 days of initial deposit.
- Seven Corners Cruise Insurance: Covers Optional CFAR, reimburses up to 75% of prepaid, non-refundable costs if cancelled at least 2 days before departure and purchased within 20 days of initial payment.
- Trip Protection Choice Insurance: Covers Optional CFAR, reimburses up to 75% of prepaid, non-refundable costs if cancelled at least 2 days before departure and purchased within 20 days of initial payment.
Which Is The Cheapest Cancel For Any Reason Cruise Travel Insurance to Choose?
ITravelinsured Choice is the cheapest Cancel For Any Reason cruise travel insurance option to choose. This plan offers an optional Cancel For Any Reason (CFAR) add-on.
- If you cancel for any reason, you will be refunded up to 75% of your unused, non-refundable, prepaid trip costs, provided you cancel at least 2 days before departure.
- This Cancel For Any Reason (CFAR) add-on must be purchased within the time-sensitive period (20-21 days from your initial trip deposit) and only at the time of buying the base plan; benefits are bundled and not sold separately.
Tip: CFAR must be purchased early - typically within 10-21 days of your first trip deposit. Don't wait until closer to departure, as this upgrade window closes quickly.
Does a Pre-Existing Condition Waiver Add to the Cost of Cruise Insurance?
Yes, adding a pre-existing condition waiver typically increases your premium, but it's only available if you meet the purchase requirements set by each insurance provider. Many cruise-friendly travel insurance plans offer this 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 without missing the pricing window.
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 - a worthwhile added cost for many travelers with ongoing health concerns.
Even though we hope your 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.
Best travel insurance plans offering a pre-existing condition waiverAt American Visitor Insurance, we're here to help you find the right cruise travel insurance with pre-existing condition coverage at a price that fits your budget, so you can travel with confidence and peace of mind.
Frequently Asked Questions About Cruise Cancellation Insurance
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.
For a $5,000 cruise, medical-only coverage typically runs $100–$150, while a comprehensive plan (covering cancellation, medical, and evacuation) generally costs between $158 and $445, depending on your age and trip duration. Adding Cancel For Any Reason typically raises that to $265–$660.
For a $5,000 trip, travelers aged 61–70 typically pay around $390, and travelers 71–80 pay around $611, reflecting the higher medical risk insurers price in for older travelers. Coverage remains available for travelers up to 99 years old. See our senior cruise insurance guide for plan-specific comparisons.
For a 15-day cruise, comprehensive protection generally costs between $165 and $445, based on a $5,000 trip cost and a 50-year-old traveler. Most comprehensive plans fall within 4–10% of your total prepaid trip cost, so a $10,000 two-week cruise would typically run $400–$1,000 to insure.
A cruise ship medical evacuation typically costs $25,000 to $150,000, depending on distance from port and whether air or sea transport is required. Because of this range, most comprehensive cruise insurance plans provide $250,000 to $1,000,000 in evacuation coverage.
Yes. Medical-only cruise insurance, which skips trip cancellation benefits, typically costs $100–$150 per traveler — up to 70–80% less than a comprehensive plan. It's best suited to travelers with refundable fares or minimal prepaid, non-refundable expenses.
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