Taking a vacation overseas is a great way to see more of the beauty that the world has to offer. But unexpected travel challenges can happen … like the loss or theft of your passport.

“If you lose your passport on vacation, you’ll need to contact the closest U.S. embassy to apply for a replacement passport ASAP.

“But before you contact the embassy, give us a call if you’re traveling with a Travelex policy. Our experts can guide you during the process of getting a new passport to help you return home safe and sound. We're here to support our travelers 24/7, so don’t be afraid to lean on us any time.”

Frank Harrison, Regional Security Director Americas at Travelex Insurance’s 24/7 assistance provider, Zurich Travel Assist.

Here, you'll learn what to do if you lose your passport abroad as a Travelex traveler. From reporting your missing passport to filing a claim with our claims administrator for unexpected costs, these are the five steps to take.

5 steps to take if you need a replacement passport overseas:

1. Report your missing passport to local authorities and get a police report.

2. Call our 24/7 Travelex assistance provider.

3. Call the nearest U.S. embassy or consulate and follow their instructions to get a replacement passport.

4. Secure your other forms of identification.

5. File a claim for unexpected passport costs.

What to do if you lose your passport during your trip

Step 1: Report the loss or theft to local authorities and get a police report

As soon as you lose your passport or someone steals it, call local police. Give them all the details on what happened, and make sure you file a police report and save any documentation.

You can get a replacement passport without a police report — which can make the process a little easier — but if you have a Travelex policy, you’ll need a police report to make a claim. We ask for this documentation as proof of you losing your passport on vacation, so don’t forget to get a police report if you want to file a claim.

Want to know how to contact local police in your destination? Visit the U.S. Department of State’s website and search the country you’re in. If you have a Travelex policy, you can also look up your destination in our Travel On app to see contact information for local police.

Step 2: Call our 24/7 travel assistance provider

We know it can be stressful to lose your passport overseas. But you're not alone; remember that our 24/7 travel assistance provider, Zurich Travel Assist, is ready to help.

You can contact our travel assistance providerin several ways:

• Tap the assistance button in our Travel On app.
• Reach them domestically at 1-800-555-0870.
• Reach us internationally at 1-416-977-1803.
• Email us at [email protected].

When you speak with our provider, they'll assign you a travel assistance case manager who you can work closely with during the process. Be sure to keep your case manager updated while you communicate with the U.S. embassy and follow their instructions. This way, they’ll know the best way to support you and the status of your replacement passport.

Step 3: Call the nearest U.S. embassy or consulate and follow their instructions to get a replacement passport

First, visit the U.S. Department of State’s website to look up the nearest U.S. embassy and find the right number to call. When you speak with a consular officer, report your lost or stolen passport. Make sure to give them as many details as you can, because it might help expedite the process.

The officer will check your identity during your call. They might ask for details like your name, birthdate, and Social Security number. It may be helpful to let them know if you have other forms of identification with you, like your driver's license.

After your initial call, you’ll usually go through these steps with the embassy or consulate:

• Make an appointment to go to the embassy and give them the documentation needed to apply for a new passport. You'll need to bring passport-sized photos that match the U.S. passport standards. You might be able to obtain them at the embassy or a nearby photo shop.
• Fill out paperwork like forms DS-64 and DS-11. They're essential when you report your passport lost or stolen and apply for a new one.
• Understand what fees you'll need to pay for your replacement passport.
• See if you’re eligible for an emergency passport valid for one year.

Try to stay organized while you apply for a new passport. It’ll help to minimize delays and complications — which means you can get home sooner (or get back to enjoying your vacation!). You can find more details on what to do if you lose your passport on the U.S. Department of State’s passport page.

Step 4: Secure your other forms of identification

After you lose your passport, check what other forms of identification you have with you. They can help maintain your identity abroad and make it easier for you to move forward with your travel plans.

Gather your other documents — like a driver's license or picture of your lost passport — and keep them in a safe place. Consider making digital copies of these IDs, which may be helpful if you lose physical copies while you’re waiting for your new or emergency passport.

After you report your lost passport to the U.S. embassy, keep an eye on your personal accounts and credit report. When you lose your passport, someone could find it and try to steal your identity. So, check for unauthorized purchases or concerning alerts from your accounts.

Step 5: File a claim for unexpected costs related to your lost or stolen passport

What happens if you lose your passport in another country? You may not only have replacement passport fees — you could also have to pay for an extended stay until you get a new one.

Here's the good news: Your Travelex policy may reimburse unexpected costs that come up after you lose your passport. Check out the description of coverage for all the details or give us a call on 1-800-228-9792 if you have questions.

Ready to submit a claim? Collect all your paperwork to include with your claim, like receipts for passport photos and fees from the embassy or consulate. Don't forget to also include receipts showing your trip delay expenses, like extra nights in your hotel. Then, you can file a claim online or call our claims administrator at 1-800-501-4781.

Get our travel assistance provider's support with more than lost passports

Our expert travel assistance provider can help with emergencies and non-emergencies during your getaway.

Before you jet off on your trip, find out how we can help if:

• You need to see a doctor on vacation
• You need to go to the hospital on vacation
• You're in a vehicle accident on vacation
• You lose, forget, or run out of your prescription medication on vacation

Download our Travel On app to reach our assistance provider quickly

With our Travel On app, you can call our travel assistance provider at the tap of a button. This is super useful if you need our help, fast. Plus, you’ll see your travel insurance coverage, destination safety advice with real-time alerts, and more.

 

More perks of your Travelex travel insurance policy

Along with providing support after you lose your passport, your trip protection may help turn other travel hiccups into happy accidents that you’ll laugh at in years to come.

Our plans include these essential benefits and more:

• Trip cancellation and interruption
• Travel delay
• Baggage and personal effects
• Accidental death and dismemberment

Ready to pack a Travelex policy for your vacation?

We're here to help you if something goes wrong on your trip. Get a travel insurance quote now.

Everyone deserves the chance to see new destinations and enjoy their vacations to the fullest. But LGBTQ+ travelers may get different treatment from country to country — and sometimes even city to city.

"Traveling can be challenging for the LGBTQ+ community, so safety is important. But not all destinations are the same; attitudes towards LGBTQ+ individuals vary globally. Some countries protect the LGBTQ+ community, while others give them severe punishments.

"Cultural norms and prejudices can lead to harassment or discrimination, even if something is legal. So, it’s important to follow LGBTQ+ travel safety guidelines to understand your destination and explore confidently and safely.”

Frank Harrison, Regional Security Director for North America at Travelex Insurance’s assistance partner, Zurich Travel Assist.

You want your vacation to be everything you dreamed of and more. So, let’s help you feel more comfortable and excited about visiting new places. In this guide, we’ll share essential tips to help you feel safer exploring the world as part of the LGBTQ+ community.

3 questions to ask yourself about LGBTQ+ travel in your destination

Wondering if your ideal destination is LGBTQ-friendly? Here’s what to learn about the area for a better idea of its LGBTQ+ acceptance level.

1. Is being LGBTQ+ against the law in my destination — and if so, how is the law enforced?

The world has quite a range of LGBTQ+ laws. Some countries are welcoming and have laws that protect LGBTQ+ rights and promote equality. For example, countries like Canada, Spain, and the Netherlands have strong laws protecting the LGBTQ+ community. Traveling to these places can be easier for LGBTQ+ people, as they can be themselves and feel more welcomed.

On the flip side, places like Saudi Arabia, Iran, and Nigeria, criminalize same-sex relationships. Showing your LGBTQ+ identity in public can give you serious consequences, like imprisonment or death. So, start your vacation planning with research on your destination’s LGBTQ+ laws.

Remember, the rights and freedoms we have in the U.S. don’t always apply in other countries. If you break your destination’s LGBTQ+ laws, the U.S. government may provide some support, but they can’t get you out of jail.

So, do your research before you book your trip. If you’re not happy to abide by the country’s LGBTQ+ laws, it might be best to choose another destination.

Important: LBGTQ+ laws may not be your only safety concern in a different country. Read on to learn more about avoiding discrimination and harassment so you can focus on enjoying your trip.

2. Even if being LGBTQ+ is legal in my destination, are there other safety risks?

If you choose an LGBTQ-friendly destination for your vacation, you’ll likely have a great time. But even in countries that haven’t formally outlawed being LGBTQ+, you could still have safety risks.

For example, in Egypt, police often use a vague law condemning “debauchery” as grounds to punish LGBTQ+ people. The consequence could be up to three years of jail time — where you could face even more safety risks. 

Societal attitudes may also be less accepting — meaning you could face challenges like harassment or discrimination. Keep this in mind while deciding which country to visit — or even which area of a country to visit. Why? Countries that legalize gay marriage and gender confirmation treatment tend to be more accepting, but you could still face discrimination in certain areas of those countries.

“Discrimination exists even if you’re traveling domestically within the United States. Some states may still have laws outlawing ‘same-sex conduct’.”

Frank Harrison, Regional Security Director for North America at Travelex Insurance’s assistance partner, Zurich Travel Assist.

3. Is it safe to go to LGBTQ+ events in my destination?

If your destination is hosting an LGBTQ+ event, this is a good sign that you’ll be welcomed. Even at LGBTQ+ events in conservative cities, it’s likely you’ll have more freedom to be yourself. Plus, it’s a great way to make new friends within the community.

So, if you’re not sure whether your LGBTQ+ travel destination is safe, consider visiting during major community events like Pride. That said, not all cities have Pride, and not every Pride is a party like in Berlin and São Paolo.

If it’s not Pride season, keep your eyes peeled on social media for queer events at your ideal vacation destination. You can also find global events through LGBTQ+ organizations, like on the International LGBTQ+ Travel Association’s website.

When is it not as safe to go to an LGBTQ+ event? If protesting is part of it. Yes, many members of the LQBTQ+ community like to make the most of their right to protest in the United States. But you may not have this same right in your chosen vacation destination — so the event could do you more harm than good.

“As an LGBTQ+ traveler, you should understand your destination's laws on protesting before attending an LGBTQ+ event. If you go to a community protest — or support it via social media — you could be at risk.”

Frank Harrison, Regional Security Director for North America at Travelex Insurance’s assistance partner, Zurich Travel Assist.

5 LGBTQ+ travel safety tips for unfriendly destinations

Thinking your destination may not be LGBTQ-friendly? Don’t cross it off your list just yet!

With these five tips, you may be able to see the world without compromising who you are:

1. Stick to cities.

Cities and popular tourist destinations tend to be more welcoming to LGBTQ+ travelers than rural areas. For example, Budapest boasts a lively queer scene despite Hungary being a rather conservative country. 

2. Travel with a group.

Book your trip through an LGBTQ+ organization so you can travel with a community of like-minded adventurers. Having knowledgeable LGBTQ+ guides with you to give you the advice and support you need can also help you feel safer while traveling abroad.

3. Be careful with public displays of affection.

Some countries frown upon — and even outlaw — public displays of affection (PDA) for straight and LGBTQ+ couples alike. That’s right, PDA could be off-limits for anyone in certain destinations. So, to avoid attracting unwanted attention, save the handholding for when you’re in private.

4. Learn local customs.

Each country has its own rules about modesty, religious practices, and gender expression. Research what people wear and how they carry themselves so you can respect the culture you’re visiting. As a tourist, you may not have to follow local customs perfectly. But it’s always smart to be cautious and respect your destination’s traditions.

5. Check and edit your digital footprint.

Did you know certain destinations have laws about how you use the internet? They have severe restrictions on the types of websites and apps you can use, as well as rules around sensitive information. 

7 LGBTQ+ travel safety tips for any destination

No matter where you go, if you’re an LGBTQ+ traveler, it’s smart to keep these seven travel safety tips in mind:

1. Register with STEP before you leave home.

Sign up for the Smart Traveler Enrollment Program (STEP) with the U.S. Department of State before you pack your bags. It only takes a few minutes, and, in case of an emergency, the embassy can easily contact you and vice versa.

2. Know your rights.

Whether airport security is patting you down or police are questioning you, know your legal rights. If you do, you can speak up for yourself — and others — when necessary. 

3. Carry a doctor’s note.

Is the gender marker on your passport different than the gender you identify with? A doctor’s note can help clear up confusion so you can safely cross borders. For more information on your passport gender marker, visit the U.S. Department of State’s LGBTQ+ travel page.

4. Keep all medication in its original packaging.

Store all your medications — whether over the counter or prescribed — in their original packaging. Otherwise, you could have issues at airport security and border checkpoints. 

Also, don’t forget to check your medications are legal in your destination before taking them with you. You can learn more about medication laws in other countries in our guide on refilling prescription medication abroad.

5. Learn about health care access for tourists.

Research your destination’s health care policy in advance. You’ll want to know whether you’ll be able to get medical care if needed while you’re in a different country.

For more vacation health care advice, check out some of our travel assistance guides:

• What to do if you need to see a doctor on vacation.
• Steps to take if you need to go to a hospital during your trip. 

Also, don’t forget to download our Travel On app if you’re a Travelex policyholder so you can easily contact our 24/7 assistance team if you need medical treatment on vacation.

6. Book an LGBTQ-friendly hotel.

Some hotels are more welcoming than others, so look for LGBTQ-friendly hotels or ones that other LGBTQ+ travelers recommend. You can find supportive places to stay on websites like the International LGBTQ+ Travel Association’s hotels page.

You should also consider reading reviews on general travel sites like TripAdvisor or Booking.com, focusing on feedback from LGBTQ+ guests. Calling the hotel directly can also give you insight into their policies and attitudes towards LGBTQ+ travelers.

7. Consider buying travel insurance.

No matter how well you plan, every trip can have surprises — and travel insurance can be there to help if something goes wrong. From trip cancellations to emergency medical expenses, protecting your vacation with travel insurance can give you extra confidence abroad.

Plus, when you have a Travelex policy you get access to our Travel On app — which comes in handy with LGBTQ+ travel. Along with real-time safety alerts, you’ll have LGBTQ+ advice and risks for your destination in the palm of your hand.

Ready to travel with pride and confidence?

Your vacation should be as smooth and fun as possible — no matter your identity or destination.   

To help ensure your next vacation is memorable for all the right reasons, remember the tips in this LGBTQ+ travel safety guide. Plus, consider securing your trip with travel insurance for extra support away from home.

Want to explore with Travelex by your side?

Bring our 24/7 travel assistance, Travel On app, and reliable coverage with you on vacation. Get a travel insurance quote now.

The information and advice contained on this page is general advice only and is correct at the time of writing (June 1, 2024) and may change at any time.  

When we set off on vacation, we hope it brings us nothing but joy and fun, memorable experiences. But if something goes wrong while you're traveling, things can get stressful – and expensive. Thankfully, that's where travel insurance can help.

"When you buy travel insurance, you're not only eligible for reimbursement of unexpected costs, but you’ll also be traveling with an expert team who’s ready to help you 24/7 if an unexpected incident arises. Your policy protection could prove well worth the premium amount if the unthinkable happens during your trip and you rack up unexpected costs."

Frank Harrison, Regional Security Director Americas at Travelex Insurance’s 24/7 assistance provider, Zurich Travel Assist.

But have you ever asked yourself, "How much is travel insurance?" when booking a trip and researching how to protect it? While the answer to this question varies because so many factors can influence how much you’ll pay, here are some of the most common pricing factors of a travel insurance policy and how they can affect your premium.

These 7 factors may affect how much your travel insurance policy costs:

1. Your state of residence

2. Your age

3. The length of your trip

4. The travel insurance plan you choose

5. Additional upgrades you choose

6. Your trip cost

7. Including additional travelers on your policy

Medicine from the doctor can help you feel your best at home — and while you’re exploring destinations on vacation. Staying healthy can help you travel more, truly soak up each moment, and create lasting memories because you’re feeling your best.

This means one of the most crucial things to pack for your trip — beyond travel insurance, of course — is a sufficient supply (plus extra!) of your prescription medication. Why? Unexpected hiccups like losing, forgetting, or running out of your medicine can quickly put your health at risk — and your trip plans on pause.

But what do you do if you’re faced with an empty or missing medication during your getaway?

If you’re a Travelex policyholder, there’s no need to panic about how to find the right international pharmacy or stress about whether a pharmacy can replace your lost prescription; our emergency assistance provider can help you replace your medication with ease.

“Just like at home, it’s essential to take your regular medications while you’re traveling. If your prescription medication helps you get through the day or keeps your body functioning as it should, we know how stressful it can be to unexpectedly be out of medication in another country.

“As soon as you realize you need to fill a prescription, give our travel assistance team a call anytime so we can help. Our team can help you speak to a doctor virtually or in person so you can replace your medication quickly, and even help with filing a claim for the prescription costs. This means you can get back to focusing on enjoying your vacation instead of worrying about potential health complications.”

Dr. Joel Lockwood MD, FRCPC, Regional Chief Medical Officer at Zurich Travel Assist, our 24/7 assistance provider.

Here, we’ll share the steps you should take when you need to get prescription medications while traveling. Because you’re abroad with our travel insurance, we’re here for you in more ways than one — and our assistance provider is always available to offer prescription assistance.

5 steps to take if you need more prescription medication during your trip:

1. Call our 24/7 travel assistance provider.

2. Make an in-person or virtual appointment with a doctor who speaks your language.

3. Ask our travel assistance providerfor the nearest pharmacy (and get translation services if needed).

4. Save all medical records, reports, and receipts.

5. Submit a travel insurance claim for unforeseen expenses.

Here’s how we can help if you’re out of your prescription medication while on vacation

Are you in the process of getting a Travelex travel insurance quote for your upcoming trip? During the quote process, we’ll ask you to share your trip cost. But why does our Travelex team need to know your trip cost? And how do you calculate your trip cost?

Telling us your total trip cost is essential to getting the right coverage for your vacation. We’re here to help safeguard the prepaid nonrefundable payments you’ve made or will be making for your vacation, so we need to know how much you’ll be spending to suggest what coverage you need and ensure your travel insurance premium is accurate.

Calculating your trip cost can be easier than you think. This guide walks you through the simple steps you need to take, including what to count and what to skip. Because whether it's your flight, hotel stay, or once-in-a-lifetime tour, getting a clear picture of your trip's total cost is essential for getting an insurance quote that’s just right for your vacation.

5 prepaid nonrefundable expenses to include when you calculate your trip cost:

1. Your accommodations.

2. Your airfare or cruise tickets.

3. Your in-destination transportation.

4. Your tours, events, and activities.

5. Your meal packages or dining experiences.

Planning to get to Buckingham Palace via the London Tube or ride a bicycle around Tokyo? When you picture visiting all the sights on your itinerary, you expect to enjoy yourself to the fullest. But what happens if the unexpected happens during your trip — like getting in a vehicle accident? Would you know what to do or who to call?

If you’re wondering what to do in a vehicle accident — whether it’s a bus, boat, bicycle, or car — you’ll be happy to know our emergency assistance provider is here to help 24/7. Yes, if your trip is protected with our Travelex travel insurance, we can support you in more ways than one.

If you have an urgent medical concern that needs immediate treatment and is too severe to be treated at a doctor’s office or clinic, you’ll find yourself looking for the nearest emergency room so you can go to a hospital at your vacation destination — and fast.

“Getting in a vehicle accident while traveling can feel super stressful, especially if you get injured. But don't worry, we've got your back! Our travel assistance services are here 24/7 to help you get the care and support you need.

“From finding a nearby hospital to get checked to finding a police station to get a police report, our team of medical and security specialists to help make a likely messy situation a little smoother so you can get back to your vacation.”

Dr. Joel Lockwood MD, FRCPC, Regional Chief Medical Officer at Zurich Travel Assist, our 24/7 assistance provider.

In this guide, we’ll fill you in on what to do if you’re in a collision, from reaching our emergency assistance team to filing a claim for unforeseen expenses. This way, we can take some pain out of navigating the post-accident process if you ever find yourself in one on vacation.

5 steps to take if you’re in a vehicle accident on vacation:

1. Get in touch with local authorities and our 24/7 emergency assistance team.

2. Document the incident and save all records.

3. Use our emergency assistance team to make a telehealth appointment or find a nearby medical facility.

4. Hold onto all medical documentation, including local authority reports, records, and receipts.

5. Submit a travel insurance claim for any unexpected costs.

Here’s what to do if you’re involved in a vehicle accident during your trip

When we picture our dream vacation (think: exploring the ancient ruins in Greece or skiing down the slopes in Switzerland), we may not spare a thought for a trip to the hospital while abroad.

But whether you get extremely sick during your time in Greece or break a leg while skiing in the Alps, unexpected emergencies can come up — even amidst the excitement of exploring new destinations.

If you have an urgent medical concern that needs immediate treatment and is too severe to be treated at a doctor’s office or clinic, you’ll find yourself looking for the nearest emergency room so you can go to a hospital at your vacation destination — and fast.

Here’s the plus side of being a Travelex policyholder: Your travel insurance policy doesn’t just offer you coverage from unexpected expenses — it also comes with 24/7 travel assistance. This means our assistance provider can help you figure out how to go to a hospital overseas and how to handle your tourist emergency hospital bill, so you don’t have to.

“It can be stressful dealing with a health issue that requires you to go to a hospital — let alone navigating care at an international hospital — when you should be enjoying your vacation.

“Our team is here to support you around the clock, ensuring you get necessary medical attention without delay. With just a tap in Travelex's Travel On app, you can instantly connect with emergency assistance.

“Plus, our combination of award-winning customer service and innovative technology means you're never alone, allowing you to concentrate on your recovery and lean on us for help."

Dr. Joel Lockwood MD, FRCPC, Regional Chief Medical Officer at Zurich Travel Assist, our 24/7 assistance provider.

In this guide, we explore the steps to take before, during, and after you're treated at an international hospital during your travels. With support from our Travelex team and 24/7 assistance provider, you'll be better equipped to handle hospital visits with confidence. This means you can start the road to recovery sooner and continue enjoying your trip if it’s safe and healthy to do so.

5 steps to take if you need to go to a hospital overseas:

1. Get in touch with our 24/7 emergency assistance provider.

2. Find the nearest emergency room with help from our travel assistance team.

3. Let our emergency assistance team help you during your care.

4. Save all medical records, reports, and receipts.

5. File a travel insurance claim for your hospital visit.

Here’s what to do if you need to visit an international hospital during your vacation

Thinking of going on a cruise vacation or already have one planned? We’re so excited for you — cruises are an easy way to see multiple destinations on one trip and experience fun both on and off the ship thanks to the varied entertainment on board.

No matter whether you’re choosing to embark on a breathtaking sail through Alaska, a relaxing float amongst the Caribbean islands, or an exhilarating tour of Europe by sea, your cruise checklist should include some safety planning to help ensure a smoother trip.

Our cruise safety guide is packed with useful information to know before you step on board and is packed with travel tips for staying healthy and safe at sea.

The better you plan before your getaway, the more you can sink into your escape and soak up the adventure with the relief of knowing you’re well prepared for almost anything.

Cruise tips for safer vacations on the water

Your cruise checklist for smoother cruising:

• Choose a reputable cruise company.
• Choose safe destinations and know where to get up-to-date travel advice.
• Understand visa and entry requirements.
• Get to know your chosen destination(s).
• Protect your trip with cruise travel insurance coverage.
• Note important contacts and phone numbers.
• Understand potential health risks.
• Understand potential safety risks.
• Understand potential environmental risks.
• Learn about local laws before you depart.
• Understand the local customs and culture of your destination(s).
• Get cruise tips for every type of traveler.
• Discover more cruise safety advice before you go.

Tips for choosing a reputable cruise company

When it comes to cruise companies, there are dozens to choose from. If you’re a long-time cruiser you likely have a go-to cruise line, but for those new to hitting the high seas, some of the popular ones for Americans are:

• Royal Caribbean
• Carnival Cruise Line
• Norwegian Cruise Line
• Disney Cruise Line
• Princess Cruises
• Celebrity Cruises

But how can you tell which ones place a lot of importance on cruise safety, such as running a passenger safety drill when you first board, training and certifying their crew in various emergency situations, and ensuring there's security on the cruise ship?

A reputable cruise company should have lots of safety information on their website. When you find a cruise you like, don’t book until you’ve found useful safety information so you can feel confident that the cruise line knows how to look after passengers and maintain a healthy and safe environment.

Extra safety tips for picking a reputable cruise:

• Don’t be afraid to dig a little deeper and dive into the cruise line’s reviews and safety records.
• Don’t forget to research whether passengers have access to medical care on board and in port destinations if they need it.

How to choose a safe destination for your cruise

While choosing where to cruise often comes down to time, budget, and the activities you want to indulge in, there’s another essential question you should ask during your cruise planning: how safe are my intended destination(s)?

Yes, just like at home when you’re deciding where to go and what to do on the weekend, it’s essential to understand how safe your vacation destination is before you book — and take precautions while traveling.

“There are inherent risks when it comes to any international vacation, but the reality is that some destinations pose more safety threats than others when it comes to political climate and weather events like hurricanes or wildfires. Before you book your cruise, research possible threats and take official warnings seriously.”

Frank Harrison, Regional Security Director Americas at Travelex Insurance’s 24/7 assistance provider, Zurich Travel Assist.

Your cruise checklist for understanding a destination’s safety levels

When researching safety risks at your destination before you book, keep an eye out for the following risks in locations where you’ll be docking and exploring on day trips:

• Political and civil unrest and strikes
• Crime levels in port destinations
• Armed conflict or military action
• Terrorist attacks
• Natural disasters and other severe weather events
• Illness outbreaks
• Local laws that may impact how you travel (particularly important for LGBTQ+ and solo female travelers)

Here are two useful places to research your destination and understand if it’s safe for cruising:

1. The U.S. Department of State’s travel advisories website

2. Our Travel On app, which is available to all our Travelex policyholders

Both resources can help provide you with important safety information and advice to help you make smart travel decisions before you’ve even left home.

How to use the U.S. Department of State for up-to-date travel advice

Along with country-specific tips about safety, health, local laws, and local contact information, the U.S. Department of State’s travel advisories website uses four levels of safety recommendations to help you understand the latest risks or threats in each destination.

U.S. Department of State’s travel advisory levels:

Level 1: Exercise normal precautions

Level 2: Exercise increased caution

Level 3: Reconsider travel

Level 4: Do not travel

The government website also contains important information about cruise safety, security on cruise ships, and more on the U.S. Department of State’s cruise tips page.

“The U.S. government advisory levels reflect the potential risks at a destination — from political and civil unrest to natural disasters and disease breakouts — which are essential to understanding how safe your chosen destination is.

“Once you’re happy with your chosen destination and book your cruise, don’t forget to sign up for the Smart Traveler Enrollment Program (STEP). When you do, the U.S. government can keep you updated on relevant travel advisories while you travel.”

Frank Harrison, Regional Security Director Americas at Travelex Insurance’s 24/7 assistance provider, Zurich Travel Assist.

Understand visa and entry requirements for your cruise

One of the most important parts of any cruise checklist is to double check that you have all the right documents before you leave the U.S. In most cases, you’ll just need your valid and current U.S. passport; but in other cases, you may need a visa to enter certain destinations.

Passport and visa cruise checklist:

• Make sure your passport is up to date. Most countries require six months validity on your passport for entry, even if you’re only staying a short time.
• Check if U.S. passport holders also require a visa for entry into your destination or ports, and how long the visa is valid for. Visit the U.S. Department of State’s information for American travelers abroad for country-specific visa requirements, and be sure to look up all destinations on your cruise itinerary.

Why it’s important keep your passport handy

Even if you don’t plan on disembarking the ship throughout your cruise, you may still be asked to show your passport to crew or border control in the event of a medical evacuation or if the ship has an unplanned stop at an alternate port.

Always bring your passport with you when you leave the ship (even if it’s only for a few hours), because you may need to show it before getting back on board.

If you’re setting sail from a U.S. port and your cruise is scheduled to stop at U.S.-designated ports like Puerto Rico and the U.S. Virgin Islands, you might think you won’t need your passport. But it’s essential to keep your passport with you no matter what your cruise itinerary is. Why? If you have an unexpected situation, like a serious medical condition that requires evacuation from the cruise, you may have to be taken to an international port — meaning you’ll need to show your passport.

Additional entry requirements for your cruise

If your cruise starts in a country outside of the U.S., you may need to consider additional entry requirements beyond your passport and visa.

These can include:

• Proof of onward travel
• Your official cruise itinerary or a registered hotel/place of residence while visiting
• Evidence of health and/or travel insurance for the duration of your stay
• Proof of vaccinations that prevent diseases like COVID-19
• Regional visa restrictions (such as the Schengen visa, which enables travel within Europe’s Schengen zone for no more than 90 days)

Extra cruise tip: Be careful with what you bring into each country you’re visiting. Check what customs allows before you arrive, because each country or region may have different rules when it comes to items like food, animal products, plants, alcohol, and tobacco products.

Get to know your cruise destination(s)

Understanding if it’s safe to cruise in your chosen destination(s) is important, but what else should you know about where you’re headed?

Key destination facts to know before you go:

• Destination time zones — and whether it’ll change while you’re on board or traveling to your departure destination.
• The best time of year to visit your destinations for optimal weather, and average weather conditions for when you decide to visit.
• The main language spoken on board and in port destinations (You may want to learn a few important phrases or download a translation app!).
• The currency and exchange rate used on the cruise ship and in your port destinations.

Don’t forget to protect your trip with cruise travel insurance

Nobody expects their vacation plans to change or for something to go wrong, but to help prepare for the unexpected, it’s smart to get travel insurance. Yes, just like with any other international trip, you should protect your cruise vacation, too.

From delayed luggage that missed the ship to an injury on board, it can be difficult to predict what could happen while you’re on a cruise — let alone the money you may lose if you have to cancel your cruise before you even leave home. Cruise travel insurance can help protect you from the expenses of urgent health care, emergency medical evacuations, lost luggage, trip cancellation, and more.

“Travel insurance is essential for cruises, not only to help provide you with coverage for unforeseen issues like trip interruption or cancellation, but also for unexpected medical emergencies.

“Getting sick or hurt on a cruise is often more expensive than everyday health care, because if there aren’t sufficient medical facilities on your ship or in your port destination, you’ll need to be evacuated from the cruise or port.”

Frank Harrison, Regional Security Director Americas at Travelex Insurance’s 24/7 assistance provider, Zurich Travel Assist.

Good to know: Travel insurance policies don't always cover cruises. Make sure you choose a plan that protects you on board the ship and on land at port stops. Some cruise ships won't even allow you to board without cruise travel insurance coverage because of the high costs for things like medical evacuation from the ship.

Here’s how our Travelex cruise travel insurance can help you:

• Reimbursement for unexpected hospital expenses like emergency surgery, treatment, or even medical evacuation if required
• Reimbursement for the costs of prepaid nonrefundable flights, accommodation, and tour bookings if you have to unexpectedly cancel your trip because of an eligible reason
• Reimbursement for lost, stolen, or damaged luggage and personal belongings
• Assistance organizing emergency flights home if you’re critically ill or injured
• Assistance monitoring your medical care and organizing your transfer to a different hospital
• Assistance arranging for a translator if you need one
• Assistance getting in touch with your family and workplace if you’re involved in an accident or are in the hospital overseas

Our Travelex plans can be here for you when you need it most — and during every step of your vacation. Plus, you can choose from a range of options to suit your travel itinerary, activities, and budget. You can learn more about our cruise travel insurance now.

Don’t think you need travel insurance for your cruise vacation? The CDC disagrees:

“Get travel insurance. Find out if your health insurance covers medical care abroad. Travelers are usually responsible for paying hospital and other medical expenses out of pocket at most destinations.

“Make sure you have a plan to get care overseas, in case you need it. Consider buying additional insurance that covers health care and emergency evacuation, especially if you will be traveling to remote areas.”

Centers for Disease Control and Prevention on cruise ship travel

Do I need travel insurance if I’m taking a cruise in the United States?

Yes — the U.S. government recommends travel insurance no matter how far you’re venturing from home, even if cruises are safe in your domestic destinations. Why? The unexpected can happen at any time or location. Even in the U.S., if you visit a doctor on board — or have a more serious emergency like medical evacuation — your health insurance may not provide coverage for your costs.

Having the right travel insurance coverage can also reimburse you for expenses from cruise cancellation, lost luggage, and more. So, travel insurance is worth it for any cruise you take in the U.S.

Add important contacts and phone numbers to your cruise checklist

What do you do if something goes wrong while you’re on your cruise vacation? One of our most important cruise tips is knowing who to reach out to when you need help — and how to do so.

What do I do in a medical emergency overseas?

Is your emergency life-threatening? Call the local emergency services in your area ASAP.

We recommend you look up the numbers for your destinations and save them in your phone before you arrive — or check our Travel On app if you’re a Travelex policyholder.

If your situation isn’t life-threatening, you can also call:

• Local emergency services and advise them of the severity of the situation
• Our 24/7 emergency assistance provider, Zurich Travel Assist, at 1-800-501-4781 if you’re a Travelex policyholder (you can also tap a button to call them through the Travel on app!)
• If needed, the nearest U.S. embassy or consulate or the U.S. government’s overseas emergency number at 1-202-501-4444.

What do I do if I get sick on my cruise?

Most cruise lines have protocols and standards to follow to try to ensure cruises are safe for passengers and so they can stay healthy while on the cruise. If you do get sick on your cruise, you should first get help from the ship crew, especially medical staff and security. You can also get help from your travel companions and travel insurance provider.

If you’re ill during a cruise, you’ll usually be treated in the medical facilities on board. If it's too serious to treat on board, they may transfer you to a hospital at the next port or medically evacuate you while in transit. Remember that standards on board or in port destination hospitals may not be what you’re used to in the U.S.

“Depending on the size of the boat or ship, there may be a medical center on board with facilities similar to a small emergency department. It’s best to get medical help early rather than trying to tough it out in your cabin. Plus, if it’s a gastrointestinal or respiratory illness, you might need to isolate in your cabin.”

Dr. Joel Lockwood MD, FRCPC, Regional Chief Medical Officer at Zurich Travel Assist, our 24/7 assistance provider.

What do I do if I get sick or have an emergency while I’m off the ship/at a port of call?

If you have an emergency while on shore, it’s best to contact:

• Local emergency services or a local hospital
• Your tour guide and/or cruise staff
• Your travel insurance provider

If you get sick while on shore and it’s not an emergency, it’s best to return to your cruise ship and get help from the medical team on board.

What do I do if I lose my passport on a cruise?

Losing your passport while you’re on vacation isn’t ideal and may put your cruise on pause for a moment. So, if you lose your passport, it’s important to act fast. Without a passport, you may not be able to leave the cruise ship for day tours and may have some trouble re-entering the U.S. when your cruise disembarks.

Your cruise checklist for a lost passport:

• Retrace your steps. Double check your room, luggage, and recent places you’ve been.
• Let the crew know. On-board staff or the ship’s security team to help you find your passport and reach out to local consulates.
• Call your travel insurance provider. Travelex’s 24/7 emergency assistance provider is here to help.
• Report it to the government. You’ll need to apply for a replacement passport via your nearest U.S. embassy or consulate.

Claims tip: If you have a Travelex travel insurance policy and have lost or stolen belongings that you report to the police or ship security, hold onto any documentation so you can submit it with your claim.

What do I do if I’m robbed or pickpocketed while on shore?

Even if cruises are generally safe and you’ve done your due diligence while planning for your vacation, there could be security risks when you’re enjoying land stops.

Your cruise checklist for robbery and theft:

• Try to stay calm: Nothing is worth risking your life over.
• Report it to local authorities: Find the nearest police station and report the incident. Make sure you obtain a police report — you’ll need it when you submit your travel insurance claim.
• Call your travel insurance provider: If you’re a Travelex policyholder, our 24/7 emergency assistance provider is here to help. You can reach them at 1-800-555-0870 within the U.S. and Canada and at 1-416-977-1803 if you’re overseas.
• Cancel your bank cards: Cancel any stolen debit or credit cards and report the theft to your bank.
• Secure your devices: Before you travel, take steps to keep your data safe in case your device is lost or stolen. If your device is stolen, try to use remote tracking (like “Find My” on Apple devices and “Find My Device” on Android devices) and lock activation to secure your device and linked accounts.
• Get help: Contact the nearest U.S. embassy or consulate if you need to, especially if you have trouble interacting with the local police.

Understanding the health risks: how to stay healthy on a cruise

When you’re going on a cruise, it’s important to learn about the health risks related to both cruising in general and the destination(s) you’re visiting and do your best to prepare for them.

What are the health risks for cruise travelers?

According to the Centers for Disease Control and Prevention (CDC), the most typical health issues people get while on cruises are:

• Respiratory illnesses, such as influenza, COVID-19, and the common cold.
• Gastrointestinal illnesses like norovirus.
• Seasickness.
• Sunburns.
• Bug bites and related illnesses like malaria, Zika, yellow fever, and Lyme.

Before you travel, you’ll want to look up what illnesses could be a concern in your destination(s) so you know the best way to prepare. Look up your destinations on the CDC’s website for location-specific health risks.

Good to know: Thinking about trying adventurous activities while you’re on land like snorkeling, horseback riding, or skiing? Take every safety precaution you can to prevent injuries, and make sure your travel insurance provides coverage for adventure sports. Travel insurance is an essential part of any vacation, and our Ultimate plan not only provides coverage for certain adventure sports, but also has an optional adventure sports upgrade with coverage for additional thrilling activities like zip lining, bungee jumping, and scuba diving deeper than 75 feet.

How can I help protect my health before my cruise?

Your cruise checklist for protecting your health before you vacation at sea:

• Check the CDC’s destination pages for location-specific advice.
• Visit your doctor at least one month before your vacation to make sure you’re medically able to travel on a cruise and up to date on all routine and recommended vaccinations. You’ll also want to ensure you’ll have enough supply of your prescription medications on your trip. Tell your doctor about your trip plans and destinations so they can give you health tips based on your individual medical history.
• Pack a travel health kit with essentials, especially things that could be hard to find at your destinations. Some items you may want to include are your prescription medications and supplements, over-the-counter medications, a mask, sunscreen with SPF 50 or higher, insect repellent, aloe for sunburns, effective hand sanitizer, and a filter water bottle or disinfection tablets. Bring more than enough of each item to last for your trip just in case you have an unanticipated longer stay.
• Get travel insurance with emergency medical and dental coverage, so you can worry less about out-of-pocket costs that come up from unexpected illnesses. When you purchase a plan, be sure to understand your emergency medical evacuation coverage, too.
• Enroll in the U.S. Department of State’s Smart Traveler Enrollment Program (STEP) to get travel alerts about health risks at your destinations and get help in an emergency.
• Pack a card that lists your blood type, medications, allergies, chronic illnesses, and any other details that could help medical professionals if you have an emergency. It’s a good idea to try to make translated copies of the card in your destinations’ local languages (if relevant).

“Make an appointment with your healthcare provider at least one month before you leave. They can help you get destination-specific vaccines and necessary medications and give you personalized information. Discussing your health concerns, itinerary, and planned activities with your provider allows them to give more specific advice and recommendations.”

Centers for Disease Control and Prevention (CDC)

Cruise tip: Your whole travel group should have a medical check-up before your cruise — including children. A pediatrician and your cruise line can advise you on recommendations and requirements for protecting kids’ health on your cruise.

Can I bring my prescription medications on my cruise?

If you have a pre-existing medical condition or require regular prescription medications, make sure you bring enough on your cruise to last for the whole trip — plus extra in case you have delays. Remember that you may not be able to get the medications you need on board or during a port stop.

Oh, and don’t forget to get a medication list or note from your doctor to show authorities if needed.

Cruise tip: Did you know some medications are banned in certain countries? So, it’s best to consult with your cruise line and physician before departure in case you need alternative medications while traveling.

Important cruise safety advice for prescription medications:

• Check that the medications you’re bringing with you are legal in your travel destinations. Asking for or possessing an illegal medication could get you arrested for drugs, even with a prescription from the U.S. If you’re unsure, leave your prescription medication safely stored in your room on board your cruise ship and don’t bring it on shore — as long as it’s safe to do so.
• Refilling a prescription in a foreign country can be challenging. Pharmacies overseas may not accept your U.S. script, so you may need to see a local doctor at your destination. Also, most travel insurance companies won’t pay for prescription refills because as a traveler, it’s your responsibility to leave on your trip with enough medication for the full duration of your cruise.
• Medications sourced overseas may contain different ingredients or come in stronger or weaker doses than what you’re used to taking.
• Ensure your overseas medication is genuine and hasn’t expired. Counterfeit or expired medications are common. The quality of medication in some countries varies widely, especially in developing countries.
• International maritime law bans cannabis on cruises, including legally prescribed medical cannabis. If you’re legally prescribed cannabis in the U.S., consult your doctor before leaving to prescribe alternative medication(s) for your cruise.

“It’s always best to travel with medications in their original containers, have enough for your trip plus a few extra days in case of delays, and take a letter from your doctor and the medication prescriptions. With commonly abused and trafficked medications like opiates, it’s smart to carry no more than a 30-day supply. Always keep your medication in a safe place to prevent it from getting lost or stolen.”

Dr. Joel Lockwood MD, FRCPC, Regional Chief Medical Officer at Zurich Travel Assist, our 24/7 assistance provider

How can I avoid seasickness while on a cruise?

Whether you’re heading on your first cruise or your fiftieth, it’s best to be prepared — just in case you have an upset stomach during your cruise.

Your cruise checklist to try to prevent and treat seasickness:

• Ask your doctor if it’s safe for you to take medications for seasickness and what they recommend. Some commonly taken medications for seasickness are Benadryl, Dramamine, and scopolamine.
• Stay hydrated and drink enough water.
• Eat food, chews, or lozenges containing ginger to help fight nausea, or try a drink with ginger in it.
• Stay by a window or on an open deck in the fresh air and look at the horizon.

If you become extremely seasick, it’s best to contact the medical staff on board for help.

How can I avoid norovirus while traveling on a cruise?

Norovirus can be common on cruise ships and can cause vomiting, diarrhea, and stomach cramps. It’s usually the result of food contamination, but it’s contagious and can spread quickly on cruise ships because of the close quarters and shared spaces with your fellow passengers.

Your cruise checklist to try to prevent norovirus:

• Practice good hygiene: Wash your hands regularly with soap and water. (The CDC says hand sanitizer just won't cut it when it comes to norovirus.)
• Use disinfectant on surfaces: Wipe down surfaces using antibacterial cleaners.
• Clean your laundry in hot water: If you do laundry on board or upon returning home, wash your items in hot water to try to kill germs.
• Do your research before departing: Steer clear of cruise lines that have a large number of reviews mentioning illness. Be sure to also check inspection reports for your cruise line or ship’s sanitation program.
• Practice water safety: Find out if it’s safe for tourists to drink the water in your port destinations. If not, drink bottled or filtered water only, and ask for no ice when ordering drinks. When buying bottled water, check that the seal is still intact.
• Practice food safety: Wash fruits and vegetables but avoid using tap water if it’s not safe. Choose popular and reputable places to eat and try to choose meals that are cooked fresh to order in front of you (not pre-prepared).

If you get a stomach bug on board your cruise, get help from the medical team on board. They can treat you with medication to relieve your symptoms and may request that you isolate in your cabin until you recover.

How can I try to prevent getting COVID-19 on my cruise?

Infectious diseases like COVID-19 can spread quickly on cruise ships. You may be more at risk of exposure on a cruise because of the large number of passengers living and socializing in close quarters over at least a few days.

“COVID-19 had a devastating effect on the cruise industry because of mass outbreaks on ships. During the height of the pandemic, cruise companies introduced COVID-19 policies, which included COVID-19 testing before and during a cruise, hand sanitizer stations on board, mask-wearing recommendations, and depending on the cruise company and countries where the ship docks, vaccination requirements.

Although COVID-19 is no longer as prominent, COVID-19 and other respiratory viruses are still around and may affect your cruise. To understand what your chosen cruise company’s requirements are, check out their website before you book.”

Dr. Joel Lockwood MD, FRCPC, Regional Chief Medical Officer at Zurich Travel Assist, our 24/7 assistance provider.

If you’re still worried about catching COVID-19 on your cruise, try to avoid cruise lines that have had multiple large-scale COVID-19 outbreaks on board. If you’re taking an international cruise, research COVID-19 infection rates at your departure point and port of call destinations.

Tips for avoiding COVID-19 on your cruise:

• Be up to date with your COVID-19 vaccines before traveling.
• Wear a mask in busy or enclosed areas.
• Wash your hands often with soap and water.

For more ways to avoid COVID-19, read our COVID-19 travel guide.

Remember: Evidence of a COVID-19 vaccination may be required for entry into your travel destination and onto the cruise ship. Make sure you pack your vaccination records with you.

Looking for coronavirus coverage? Check out our COVID-19 travel insurance benefits.

How can I avoid sunburns while on a cruise?

Will you be immune to UV rays while cruising? No — and they may even be stronger thanks to reflection from the water. No matter how much time you spend in the sun at home, nothing compares to sun rays in the open ocean.

Tips for preventing sunburns on your cruise:

• Apply sunscreen with SPF 50 or higher as often as you can, and remember to reapply after sweating, swimming, or showering.
• Know your sun limits and take breaks in the shade if you need to.
• Cover up with protective UPF 50+ clothing.
• Wear a hat and sunglasses while outdoors.

Use extra caution on the first few days of your cruise and remember you can get sunburnt on cloudy days and during the winter, too.

“The sun’s rays are strongest between 10 a.m. and 4 p.m. Limit exposure to the sun during these hours, even in winter and especially at higher altitudes.”

 

“Use extra caution near water, snow, and sand. These three materials reflect the damaging rays of the sun, which can increase your chance of sunburn.”

U.S. Environmental Protection Agency on sun exposure

How can I avoid dehydration while on a cruise?

It’s easy to forget to keep up your water intake when you’re having fun. But nothing derails a cruise vacation faster than a trip to the on-board medical center. So, if you’re wondering how to stay healthy on a cruise, remember to drink lots of water.

Tips for preventing dehydration:

• Bring a water bottle with you everywhere you go. You can even pack a water bottle with measurements to keep track of your water intake.
• Think about packing electrolytes that you can mix into water for extra hydration.
• Use the water stations throughout the ship to refill your water bottle.
• When you leave the ship to spend time on land, try to bring water with you in case local water isn’t safe or readily available.

“The best way to stay healthy on a cruise and avoid illness is to play it safe and be prepared. Even then, accidents or emergencies can happen. The reality is that emergency medical care while on a cruise can be incredibly expensive, especially if you need to disembark for medical care or an emergency medical evacuation. Just like the CDC recommends, travel insurance is worth it.”

Dr. Joel Lockwood MD, FRCPC, Regional Chief Medical Officer at Zurich Travel Assist, our 24/7 assistance provider.

Understanding the safety risks: how to stay safe on a cruise

We’ve already covered how to choose a reputable cruise company and understand how safe your cruise destination is, but here’s some extra safety information to help you prepare for your vacation on the water.

Is it safe to get off the cruise at a port of call?

Cruise ships usually stop at places that are known for being safe and welcoming to those on board, ensuring everyone feels at ease during their visit.

Many ports now have built up areas right around the pier that feature shopping, restaurants, and more for passengers to enjoy close by. Some cruise lines in the Caribbean even dock at their own private islands — which are like on-sand extensions of the ship.

You’ll likely have no issues with crime on shore, but it can happen, so keep your guard up.

What types of petty crime and scams are common during cruises?

Cruises are usually considered to be safe, with low incidence of crime on ships. The biggest cruise safety risks may come at your ports of call, when the cruise stops at a destination on land.

Tourists can often be the targets of petty crime — from opportunistic thieves to professional gangs that seek out unaware travelers.

Here are the most common petty crime and scam risks for cruise travelers while they’re off the ship:

• Theft: pickpocketing, theft, and robbery, especially at tourist hotspots or local ports.
• Violent crime: assaults, muggings, and armed robbery.
• Scams: fraudulent businesses or individuals in crowded areas and tourist centers (such as taxis without meters or fake tour guides).
• Drink spiking: drugs secretly slipped into a drink without permission.

Cruise tips to protect yourself from petty crime and scams

Sometimes unfortunate things do happen — but there are ways to reduce the likelihood of being targeted for petty crime.

How to avoid petty crime:

• Be aware of your surroundings.
• Be alert in crowds and on transportation.
• Book organized cruise excursions through your cruise line.
• Try not to flash expensive jewelry or belongings around.
• Avoid walking alone at night or in quiet areas.
• Never leave food and drinks unattended at bars and restaurants.
• Shield your PIN when using ATMs.
• Secure your valuables in your cabin room and consider leaving valuable belongings at home if possible.
• Research the common tourist scams in your destination so you know what to look out for.

Understanding the risks of severe weather and natural disasters affecting your cruise

Most cruise travelers jump on board in search of sunshine and the paradise of tropical islands. Others embark to discover far-reaching adventures in chilly Antarctica or enjoy cool summer nights along the Danube River in Europe. Research what the weather may be like at your destination and pack appropriately — and if it doesn’t look favorable at that time of year, it might be worth rethinking when you want to cruise.

But are cruises safe from the effects of the environment? No matter where you’re cruising, the weather can play an adverse role in your trip and send plans sideways, especially if you’re taking an adventurous expedition-style cruise. From rougher sea conditions and storms along your route to a major natural disaster like a hurricane hitting during your cruise, the weather can be unpredictable.

So, what can you do to help safeguard your trip from inclement weather? Depending on your coverage, cruise travel insurance may help reimburse the costs of your cruise cancellation or delay — and even nonrefundable tours at your ports of call — that arise from severe weather conditions.

Learn about local laws before you depart on your cruise

Often, it’s the thrill of the new sights and experiences that draws travelers to explore overseas destinations. And while you might be ready to taste your way through new cuisines and immerse yourself in another culture, it’s important to consider the local laws — which can be very different from U.S. laws.

In many countries, police may target and make an example of tourists. You can try to avoid this by learning the local laws in your destination — and following them.

What laws do I need to know about when going on a cruise?

It’s smart to research each port destination and its local laws thoroughly before you set out on your cruise.

Local laws to look up for your destinations:

• Driving laws.
• Legal drinking age or illegality of alcohol.
• Laws on smoking and drug use or possession.
• Gambling laws.
• Forms of identification to carry.
• Laws on public displays of affection, unwed couples, and LGBTQ+ travelers.

If you're arrested while traveling overseas, ask the authorities to contact the nearest U.S. embassy or consulate, or do it yourself if you’re able. But remember to obey local laws, because while the U.S. government can help with certain things, it won’t be able to get you out of jail.

Can I rent a car while in my port of call?

The safest and easiest way to enjoy your cruise’s ports of call is to sign up for organized cruise excursions — which often include transportation around the area. You’ll get the best taste of your destination in a short period of time, and guides know how to make the most of your experience while ensuring you’re back at the ship before it departs at the end of the day.

But if you’re looking for more freedom to explore the area, in some destinations it’s possible to rent a car during a port of call.

Be mindful that traffic conditions and laws may be different than in the U.S. Along with your destination’s road rules being different than what you’re used to — like driving on the opposite side of the road — the rental vehicles might work a bit differently. So, there’s an increased risk of being involved in an accident or running into trouble when you rent a car abroad.

Before you get behind the wheel, be sure to check that you’re allowed to — and what rules you need to follow.

Tips for renting a car at a port of call:

• License: You must have a valid U.S. driver’s license — or international driving permit in some cases — to rent a vehicle in another country.
• Travel insurance: Make sure you protect your trip with travel insurance — and look for rental car insurance like our rental car damage upgrade. Remember that most travel insurance providers won’t provide coverage for car rentals in all countries, so check that your destination is eligible for rental car travel insurance.
• Road rules: Know local driving laws to avoid fines, bribes, and more.
• Drive safely: Be diligent while driving, wear your seat belt, and never drink and drive.
• Time: Make sure you can pick up, use, and return your rental car and get back to the ship in time for its departure. If you’re left behind, you may have to cover the cost to meet the ship at the next port.

Understanding local customs and culture

Cruising is a convenient way to experience many cultures in one vacation; you might even wake up in a new country each morning of your getaway.

That said, if you’re a bit nervous about being in a new country when you’re not accustomed to each destination’s culture, why not research your destination’s customs while you’re on board? Whether you’re in the South Pacific Islands, Mediterranean, or Egypt, you can avoid offending the locals by learning a few things about their culture before you depart. This way, you can try to stay out of trouble and ensure you’re respecting the destination you’re visiting.

Local customs to know before you go:

• Religious practices and celebrations
• Acceptable dress standards, particularly at religious sites
• Tipping best practices
• Food and dining customs
• Haggling for prices
• Displays of affection
• Local greetings, both formal and informal
• Common hand gestures that may offend locals

“Immersing yourself in a new culture is one of the most rewarding and exciting parts of international travel. It’s important to do so with respect to local laws, customs, and culture. Do it right and you’ll come away with lifelong memories. Do it wrong and you could end up in trouble.”

Frank Harrison, Regional Security Director Americas at Travelex Insurance’s 24/7 assistance provider, Zurich Travel Assist.

Useful cruise tips for every type of traveler

Whether you’re taking a long-awaited family vacation, embarking on a solo adventure, or soaking up a romantic escape, here are some essential cruise safety tips to keep in mind.

Are cruises safe for families?

For many families, a cruise is the ideal way to travel because of the wide variety of kid-friendly activities and amenities on board and at ports of call. But there are some details to consider before booking your cruise.

Our cruise tips for traveling with kids:

• Some cruise operators are more family-friendly than others, so do your research to find one that suits your family.
• Research carefully if you’re planning to embark on a cruise in a developing country to ensure facilities on board and at ports of call are safe for kids.
• Try to pack everything your kids will need during your cruise, plus extra for unexpected delays. But just in case, research local supermarkets near your ports of call to see if you can get items like toiletries, diapers, wipes, clean water, and baby formula before you board your cruise. Also check if these items will be available on your cruise, because some may have stores on board where you can get the basics.
• Bring the whole family to the doctor before your cruise to make sure all recommended family vaccinations are up to date.

Are cruises safe for solo travelers?

If you want to take an exhilarating vacation alone, you might be considering a cruise because you have access to a bunch of easy-to-access and organized amenities and adventures, the ability to see different countries in a short period of time, and the added protection of security on the cruise ships. But you may also be wondering about cruise safety when you’re traveling by yourself.

Our cruise tips for solo travelers:

• Some cruise operators are better equipped for solo travelers than others, particularly solo female travelers. You may even find cruises that are specific to solo travelers, which may better suit your needs.
• Book port of call activities and tours through the cruise line so you know they’re credible and can travel with others.
• Avoid walking alone late at night at port destinations.
• Leave a copy of your itinerary and contact details with friends or family back home.
• Use only registered taxis and avoid public transportation in regions where it’s not safe.

Are cruises safe for students?

Want a relaxing break from studying hard for your exams and writing papers? Here’s our safety advice for young adults planning a cruise.

Our cruise tips for students:

• Young travelers can be targets for petty crime or sexual assault. Stay vigilant and travel with friends rather than alone.
• Always keep an eye on your drinks and food to avoid spiking.
• Leave a copy of your itinerary and contact details with friends or family back home.
• Use only registered taxis and avoid public transportation in regions where it’s not safe.

Are cruises safe for LGBTQ+ travelers?

It’s important that you feel safe and comfortable on your trip — so you can focus on enjoying it! Some countries or cultures continue to discriminate against same-sex couples or those who identify as LGBTQ+, so it’s smart to do some research while planning your vacation.

Our cruise tips for LGBTQ+ travelers:

• Before you book your cruise, research your destinations to ensure you’re traveling somewhere you feel safe, included, and free to experience everything each country has to offer.
• If you have an “X” gender marker on your passport, check with your destinations’ embassies or consulates to see if it’ll be accepted before departing.
• Bring essential documents with you, like medical documents related to your health and legal documents proving custody or parentage of children.

Want more advice? Check out our LGBTQ+ travel safety guide for more cruise tips.

Are cruises safe for seniors?

Cruises can be wonderful trips for seniors, especially with so many amenities within little walking distance. Plus, it’s an easier and more relaxing way to see different countries. But there are some important things to keep in mind if you’re wondering how to stay healthy on a cruise and have fun when traveling in the golden years.

Our cruise tips for seniors:

• If you have mobility issues or special requirements, make sure your cruise line can accommodate you and has the facilities you’ll need.
• Learn about common tourist scams so you don’t fall victim to “helpful” locals at ports of call — and always book cruise excursions through your cruise line rather than travel on your own.
• Bring any medications you need from home, along with a letter from your doctor and original packaging.
• If you have a pre-existing medical condition, double check that you disclosed it to your travel insurance provider and that you’ll have coverage for it.

A few more cruise safety tips to help you travel smarter

Yes, we’ve got a couple extra tips up our sleeve to help you cruise smoothly. Consider these before you pack your bags:

1. Always be aware of your surroundings, how to get back to the ship, and planned departure times at ports of call.

2. Know the onboard emergency plans.

3. Pay attention to safety drills on board.

4. If at ports of call, know the ship’s horn alerts that indicate an emergency or evacuation notification.

5. Buy cruise travel insurance as soon as you book your trip, so you can have protection every step of the way.

6. Make digital copies of your passport, ID, and applicable visa permits in case of emergency. Consider making physical copies too.

7. Save your cruise’s emergency contact details and local emergency phone numbers in your phone in case you run into an issue at port.

8. Notify your bank that you’re traveling overseas and what countries you’ll stop in. In many cases you can set this up for your debit and credit cards through the bank app on your phone.

9. Arrange multiple sources of money so you’re not cut off from funds if you have a lost or stolen card.

10. Do your due diligence and research cruise lines thoroughly before booking.

11. Don’t get a tattoo or henna at your cruise ports; the risk of infection from unsterilized tools is higher in some countries.

12. Learn some simple phrases in the local languages for your destination to help keep you safe or download a translation app that you can use overseas.

Cruise with our team by your side

At Travelex, we’ve been protecting U.S. travelers for over 25 years — and with millions of travelers cared for on adventures all across the globe, we know how to help if the unexpected happens.

From overseas medical emergencies to helping travelers deal with natural disasters, cancellations, and crime, we’ve seen it all — and our best cruise safety advice starts with cruise travel insurance.

Before you travel and while you’re on your cruise, our global team of travel experts puts your safety and wellbeing first. With 24/7 emergency assistance included on all our plans, our assistance provider is by your side when you need them most.

Plus, our Travelex travel insurance can help reimburse you for the costs of medical emergencies, travel delays, cancellations, lost or stolen luggage, and more. You can even customize most of our plans to include coverage for adventure sports if you’re planning to try them on your cruise vacation. And with our Travel On app, you not only have the convenience of your coverage details on hand, but also updates on your cruise safety with real-time security alerts, destination risk ratings, and more.

Ready to protect your cruise trip with our Travelex team?

Get a quote now.