What does cruise holiday insurance cover?
Cruise insurance is tailored specifically to the risks associated with this type of holiday. Bear in mind that policies will vary depending on the provider, but the best cruise travel insurance policies include:
Things to consider for your cruise insurance
- What countries will you be visiting? - Most cruises involve travelling to various countries so you’ll need to ensure that you’re covered for all the countries you’re visiting. It’s likely that the countries you visit will impact the price of your travel insurance policy. You may find that if you’re travelling to countries like the USA, China or Hong Kong, your cruise travel insurance will cost more due to the high costs of private health care in those countries.
- How much is the daily amount for cabin confinement? - When comparing policies, consider how much you’ll be able to claim back for cabin confinement. The limit can be as little as £15 a day or as much as £1,000 a day so it’s worth checking and making sure you have a decent amount of cover in place.
- Do you plan on doing any activities or sports? - Many cruise travel insurance policies exclude cover for extreme sports and activities such as skydiving and rock climbing. If you plan on doing any high-risk activities while you’re on holiday, you’ll need to ensure that your cruise insurance covers that specific activity. You can take out extra cover for this if necessary.
- How much is the cancellation refund? - Cancellation payouts can range from £250 to £25,000. Make sure you choose a policy that includes enough cancellation to cover the cost of your cruise.
What other types of travel insurance can I get?
The type of cover you need depends on where you’re travelling to, why you’re travelling and who you’re travelling with. Other types of travel insurance include:
- Single trip travel insurance – covers you for travel to one destination.
- Annual travel insurance – provides cover for multiple trips over 12 months.
- Winter sports travel insurance – if you’re planning on doing any winter sports, you’ll need extra cover.
- Over 65s travel insurance – if you’re over 65, you’ll need a specialist travel insurance policy in place before you travel.
- Family travel insurance – provides cover for the whole family under one joint policy.
- Business travel insurance – provides specific cover for people that are travelling abroad for work.
Compare cruise travel insurance providers
At Compare by Review, we believe that cheap cruise insurance isn’t necessarily the best cruise insurance. If you’re looking to buy travel insurance for a cruise holiday, we recommend that you read as many cruise insurance reviews as possible to get an idea of how different insurers handle claims. You need to make sure you’d be in safe hands if the worst were to happen on your cruise holiday.
Compare travel insurance providers on Compare by Review today. We’re the first and only comparison site that ranks travel insurance providers exclusively on customer experience and product quality rather than price. Our full table of providers will give you an impartial and unbiased overview so you can purchase travel insurance from a high-quality provider that you can rely on when you need them most.
1st
Our
Review Score
9.4/10
based on 386123 reviewsMedical Cover Limit***
No limit
Cancellation Cover Limit****
£5k
Defaqto Rating
2nd
Our
Review Score
9.2/10
based on 312779 reviewsMedical Cover Limit***
£15m
Cancellation Cover Limit****
£5k
Defaqto Rating
3rd
Our
Review Score
8.9/10
based on 85887 reviewsMedical Cover Limit***
£20m
Cancellation Cover Limit****
£3k
Defaqto Rating