Royal Caribbean Cruise lines
Royal Caribbean Cruise line was previously known as Royal Caribbean International. This international cruise line was founded in 1968 in Norway. Royal Caribbean Cruise is the largest cruise line in terms of generating revenue and second largest to have the largest count of passengers. Headquartered in Miami- Florida was the only cruise line that controlled 19.2% passenger for the cruise market worldwide in 2018.
Royal Caribbean Cruise line operates the 5 largest passenger ships in the world.Royal Caribbean Cruise lines have several packages to Canada ranging from 4 days up till 11 days with a variety of choices for travelers. The cruises depart from Cape Liberty in Bayonne, New Jersey, Boston, Massachusetts, Quebec City- Quebec ports between May through October.
Why is it important to buy travel insurance for Royal Caribbean International river cruise?
Going on a cruise vacation is truly exciting, however one must take precautions to ensure that the cruise vacation is not a disappointment. Vacationers are likely to pay for the cruise well in advance of the actual travel date, and it is possible that one is not able to travel on the cruise as initially planned.
While most cruises companies offers some cruise protection it does not provide the coverage benefits as provided by trip insurance for cruises. While cruise companies protection usually gives cruise vouchers to vacationers if they miss the cruise, cruise travel insurance provides significantly more benefits such as coverage for trip cancellation, trip delay, baggage loss, baggage delay, medical evacuation and medical insurance for the traveler. Vacationers can further shield themselves by adding Cancel for any reason travel insurance benefit which gives flexibility of cancelling the cruise vacation for any reason, and still get reimbursed up to 75% of non-refundable trip expenses.
What does travel insurance cover?
Trip cancellation
Expenses due to pre-paid, non-refundable and unused payments.
Medical evacuation
Emergency medical evacuation expense to medical facility.
Baggage delay
Expense due to delay in arrival of baggage during travel.
Trip delay
Reimbursement of additional expenses due to trip delay.
Lost baggage
Reimbursement for loss of checked in baggage expenses.
Medical expenses
Medical treatment for sickness or injury during your vacation.
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. 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 $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.
2. 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.
3. My cruise will go to several countries/ islands, how can I enter my destination if I only get to put one entry?
Don't worry! Your coverage will be worldwide, so you don't have to enter each and every port of call on your itinerary. If one of your stops will be in the US (besides the start or end of the cruise), then you should enter the United States as your destination so that you get a plan that includes domestic travel.
Otherwise, you can enter your first port of call and you will be covered for your entire cruise!
4. 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.
5. 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.
6. 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.
7. Does travel insurance cover cruise ships?
Yes, travel insurance with trip cancellation insurance coverage provide coverage for cruise trips.
8. How much is travel insurance for a cruise?
The cost of the cruise travel insurance depends on factors like age, trip duration, coverage required by the traveler. Cruise insurance for seniors particularly above 65 will cost more due to higher health risks. Longer cruises cost more as the duration increases the risk of illness and injury. Cruises to remote exotic locations cost more as the medical access is limited in those areas. Getting higher coverage for evacuation and medical expenses increases the premium.
Some of the Cruise trip cancellation insurance plans that provide 100% coverage for trip cancellation :
- Safe Travels Protect plan: This plan covers 100% of Trip Cost for a maximum of $14,000 which will cost around $32.
- iTravelInsured Travel Lite: This plan covers 100% of the trip cost which will cost around $43.
- Trip Protection Economy: This plan covers 100% of the trip cost up to a maximum of $20,000 cost of which is around $43.
Some of the Cruise Medical Insurance plans are:
- Atlas International Insurance: This plan costs around $53 for policy maximum of $50,000 with deductible of $250.
- Patriot International Lite Insurance: This plan costs around $53 for policy maximum of $50,000 with deductible of $250.
- Diplomat International Insurance: This plan costs around $87 for a policy maximum of $50,000 with deductible of $250.
9. Does travel insurance cover cruise cancellation?
Yes, there are plans that provide "Cancel for any reason" benefit and here you can see the list of plans with this benefit
10. What is cruise specific travel insurance?
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
10. Do you need special travel insurance for a cruise?
Cruise Insurance is available as Cruise Medical Insurance and Cruise Trip Insurance.There is no special travel insurance for cruise except that the Cruise Travel insurance takes care of the expenses that are incurred while on the cruise.The travel medical insurance plans available for people traveling outside their home country hold good for the cruise as well.The cruise medical insurance focuses more on medical expenses whereas the cruise trip insurance provide trip cancellation coverage where the 100% of the trip cost will be refunded if the trip gets cancelled due to any emergency for eligible expenses apart from other benefits like Emergency Medical Evacuation,Repatriation and much more which are available in Cruise Medical Insurance. More details on Cruise Insurance for seniors, Cruise Insurance with Cancel for any reason" and Cruise Insurance for US citizens can be found at American Visitor Insurance.
11. What type of insurance do I need for a cruise?
Cruise Insurance comes in two forms: Cruise Trip Cancellation Insurance and Cruise Medical Insurance. The Cruise Medical Insurance plans do not include Trip Cancellation benefit whereas the Cruise Trip Cancellation Insurance includes this benefit along with other protections.
Before purchasing insurance for the cruise travel, ensure it meets your specific needs:
- Confirm that the trip cancellation benefit is available to cover the trip cost in case you are concerned about potential cancellations.
- Verify that the Cruise Insurance covers pre-existing conditions in case the traveler has some existing conditions.
- Ensure that the Insurance has extensive coverage for emergency medical evacuation and repatriation.
Considering the points above, visit American Visitor Insurance for various Cruise Insurance options:
- Cruise Travel Insurance for seniors, for older travelers
- Cruise insurance with Cancel for any Reason offering flexible trip cancellation benefits and refunds
- Cruise Insurance for US citizens traveling outside, ideal for those planning a Cruise vacation outside the US.
- Cruise Insurance for US citizens and US residents to travel within the US like Hawaii is available with plans like iTravelInsured Choice, iTravelInsured Lite, iTravelInsured SE provide coverage within the US.
12. Do you need to buy insurance for a cruise?
Cruise Travel Insurance is crucial for anyone embarking on a cruise whether within the US or internationally. For overseas travel, the domestic health insurance plan will not provide any coverage while outside of the home country.In order to make sure that the traveler on the cruise is financially protected for any unforeseen medical or trip related emergencies, it is important to buy Cruise Insurance. Some of the popular reasons to buy Cruise Insurance:
- Cruise Insurance provides financial protection for non refundable expenses in case of trip cancellation, delay or interruption
- Cruise Insurance provides coverage for medical emergencies like emergency medical evacuation and repatriation.
- Cruise Insurance covers baggage loss, damaged personal property, baggage delay, missed ports by recovering the cost for the replacement or repairs of the loss or damage caused.
- Some Cruise Insurance plans cover pre-existing conditions for eligible expenses.
Cruise medical insurance vs cruise travel insurance
Cruise medical insurance and cruise travel insurance are related but serve different purposes. Here's a comparison to clarify the differences:
| Cruise Medical Insurance | Cruise Trip cancellation Insurance |
|---|---|
| Medical-related coverage | Trip expense protection |
Coverage:
|
Coverage:
|
| Ideal for: Primarily for health-related coverage, especially those who have health conditions or are concerned about limited healthcare access during the cruise. | 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. |
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 much should travel insurance cost for a cruise?
-
Trip insurance cost is based on several factors such as the age, trip length and trip cost. There are cheap trip insurance plans starting at $32 per month.
Plan Name Trip cancellation Cost # Safe Travels Protect Trawick International 100% of Trip Cost (Up to a Max. of $14k) $32 iTravelInsured Travel Lite IMG 100% of Trip Cost $43 Trip Protection Economy Seven Corners 100% of Trip Cost (Up to a Max. of $20k) $43 iTravelInsured Choice IMG 100% of Trip Cost $50 SafeTravels Armor Trawick International 100% of Trip Cost (Up to a Max. of $15k) $55 Trip Protector Preferred HTH worldwide 100% of Trip Cost (Up to a Max. of $50k) $70 Cruise Travel Insurance Seven Corners 100% of Trip Cost (Up to a Max. of $30k) $88 iTravelInsured Travel LX IMG 100% of Trip Cost $106 # Approximate cost of Trip insurance plans is for a 40-year-old traveler, 15 days trip length and $1K trip cost. Source: AMERICAN VISITOR INSURANCE®
-
Plan Name Maximum coverage Deductible Cost # Atlas International Insurance WorldTrips $50K $250 $53 Patriot International Lite Insurance IMG $50K $250 $54 Diplomat International Insurance Global Underwriters $50K $250 $87 Safe Travels Outbound Insurance Trawick International $50K $250 $75 Intermedical Insurance Travel Insure $50K $250 $71 VisitorSecure Insurance WorldTrips $50K $100 $33 # Approximate cost of cruise medical insurance for a 40-year-old traveler for 1 month. Source: AMERICAN VISITOR INSURANCE®
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 your travel by vehicle to the port of disembarkation) AND 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 prices and opt out of the cruise company option. If you’ve decided on a more inclusive plan, then the main thing that limits your choices will be how much you want to insure the trip for (it should include all non-refundable portions of your trip cost) and 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. For example, the iTravelInsure insurance from IMG can cover trips from $10,000 or less per person up to $150,000 per person and 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 and chat with us today!
What is the best Cruise health insurance?
Trip Cancellation Cruise insurance coverage highlights
- Covers medical expenses up to $100K
- Medical evacuation up to $1 million
- Search and rescue up to $10K
- Missed connection up to $500
- The trip cancellation benefit is determined by the amount of your trip you elect to protect
- IMG trip plans provides Covid Quarantine coverage.
- Cancel for Any Reason only purchase at the time the base policy is purchased and within twenty (20) days of the initial trip deposit.
Trip protection insurance plans
Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled.
For plans that offer Cancel For Any Reason(CFAR)- you must purchase the benefit within the specified time frame from the initial deposit date and you must insure all prepaid non-refundable trip costs. Please note that we do not have any plans that offer CFAR in NY, WA, or NH.
International Medical Group - Cruise medical insurance
- Available for ages up to 99years
- Maximum trip length 180 days
- Medical coverage of $500K (may vary by state)
- Trip Cancellation maximum benefit up to 100% of insured trip cost (min $500)
- Trip interruption maximum benefit up to 150% of insured trip cost
- $2K maximum benefit for travel delay
- $500K maximum benefit for emergency medical evacuation and repatriation of remains
- US Residents on domestic and worldwide trips.
- Available for ages up to 99years
- Maximum trip length 180 days
- Medical coverage of $250K (may vary by state)
- Trip Cancellation maximum benefit up to 100% of insured trip cost (min $300)
- Trip Interruption maximum benefit up to 150% of insured trip cost
- $2500 maximum benefit for travel delay
- $1 million maximum benefit for emergency medical evacuation and repatriation of remains
- Cancel for Any Reason add-on benefit available
Cruise Senior insurance
Compare and Buy Cruises Travel Insurance with cancel for any reason for senior citizens.
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Know more »Cruise travel insurance reviews
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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.
Can you buy cruise insurance to cancel trip due to Hurricane?
Most of the travelers plan a cruise vacation during the summer which happens to be 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.
Trip cancellation insurance
Is it worth buying trip cancellation plans?
Any planned holiday is often a once in a lifetime experience involving both valuable time and money. A vacation involves expenses from airline tickets, cruise reservations, hotel bookings all of which are often done many months in advance. Given the uncertainties of work, and health, one cannot predict what can happen in the future and can sometimes result in cancelling an expensive vacation or being forced to change trip arrangements.
Sometimes an emergency medical situation may arise while on the vacation which can result in hospitalization and huge medical bills. Other risks involved can include baggage loss, flight delay, trip interruption, loss of passport, all of which can cripple your savings. These cost of these uncertainties can be reduced by insuring the financial risks by Trip cancellation insurance.
Know more »
How do I buy
Cruise travel insurance for trip cancellation
search 1: Finding all available cruise trip insurance plans
Complete the cruise insurance coverage quote form by providing details - traveler’s age, residence, trip cost, destination and travel dates.
balance 2: Compare different trip insurance for cruises options
Compare prices and the benefits of the cruise cancellation insurance options to find the best plan. Look also for cancel for any reason benefits and covid coverage.
attach_money 3: Buy the best insurance for cruises you like best and review documents
Buy the plan that fits your needs and budget by using a credit card and completing the online application.
description 4: Review the cruise medical insurance documents
Review the trip cancellation insurance documents & download coverage or visa letter if required as required by the destination country.
Best travel insurance for cruises
What does travel insurance cover for a cruise?
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.
Trip Cancellation insurance for Cruise travel or vacation
Trip cancellation insurance not only offers coverage for trip investment expenses, but also covers medical expenses while on a cruise trip. In case a traveler missed a cruise because a flight was delayed, or had to cancel a cruise vacation because he/she fell sick or for any other reason, the Trip Cancellation insurance will cover non-refundable trip investment expenses. It will also cover medical expenses while the traveler is on the cruise, such as falling sick and needing medical assistance.
Some cruises have medical treatment facilities to treat minor injuries, however if the injury or sickness is severe the traveler may be asked to get off the ship at the nearest port to get immediate medical care. If adequate healthcare treatment is not available at the place you got off the cruise, then you may have to get transported or evacuated to the nearest hospital, the trip protection insurance would cover these expenses.
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