Set sail confidently with our cruise travel insurance
Where are you going?
Enter your trip destination. If you’re traveling to multiple destinations, select the country where you’ll be spending the most time.
Important: We’re unable to provide coverage for any OFAC-sanctioned country. Please check the OFAC website and our travel alerts page for information on affected countries.
Going to Cuba? You’ll need our preapproval to get travel insurance coverage for a trip to Cuba. Please call our customer service team at 1-800-228-9792 to speak with us about your trip to Cuba.
How our cruise travel insurancecan help you
When you pack the best travel insurance for your cruise, you can be protected from the unexpected — which can happen anytime and anywhere. Whether it’s storms, illness, or injury, if you’re cruising with our coverage, you can keep calm and sail on with our support.
If you want trip cancellation coverage …
Our Ultimate, Advantage, and Essential plans offer a trip cancellation benefit that can help.
If you want protection for emergency evacuations …
You can keep your finances protected with our emergency medical evacuation and repatriation coverage.
If you want coverage for your children …
Our Ultimate plan offers kids-included pricing for your family-friendly cruise.
If you want 24/7 travel assistance …
Our plans come with round-the-clock emergency support wherever you choose to cruise.
Here's what you get with our comprehensive cruise travel insurance plans
Smoother sailing starts with coverage you can count on — and these plans offer our best travel insurance for cruises. Compare our comprehensive plans below to decide which one might cater to your cruise.
Before you buy: Don’t forget to read the description of coverage (DoC) for your chosen plan so you understand its benefits and limits. To access the document, get a quick quote and click the DoC link under the plan name.
Ultimate
For travelers who want maximum protection.
- Up to $50,000 trip cancellation
- Up to $75,000 trip interruption
- Up to $2,000 travel delay
- Up to $250,000 emergency medical*
- Up to $1,000,000 emergency evacuation and repatriation
Advantage
For travelers who want a step up from basic coverage.
- Up to $10,000 trip cancellation
- Up to $12,500 trip interruption
- Up to $1,000 travel delay
- Up to $50,000 emergency medical
- Up to $250,000 emergency evacuation and repatriation
Essential
For travelers who want reliable coverage at a lower cost.
- Up to $10,000 trip cancellation
- Up to $10,000 trip interruption
- Up to $600 travel delay
- Up to $25,000 emergency medical
- Up to $200,000 emergency evacuation and repatriation
| Our plan benefits and coverage details | Ultimate | Advantage | Essential |
|---|---|---|---|
| Trip cancellation, interruption, delay, and inconvenience | |||
|
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.
|
100% of trip cost ($50,000 maximum)
|
100% of trip cost ($10,000 maximum)
|
100% of trip cost ($10,000 maximum)
|
|
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
|
150% of trip cost ($75,000 maximum)
|
$125% of trip cost ($12,500 maximum)
|
100% of trip cost ($10,000 maximum)
|
|
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
|
$2,000 ($250 per day maximum)
|
$1,000 ($250 per day maximum)
|
$600 ($200 per day maximum)
|
|
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
|
$2,000 ($500 per item limit)
|
$1,000 ($500 per item limit)
|
$750 ($500 per item limit)
|
|
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
|
$500
|
$200
|
$200
|
|
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
|
$750
|
$500
|
$150
|
|
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason.
Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum |
$600
|
Not included
|
Not included
|
| Emergency evacuation and repatriation | |||
|
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
|
$1,000,000
|
$250,000
|
$200,000
|
| Emergency medical expense | |||
|
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
|
$250,000
*$50,000 for NH residents |
$50,000
|
$25,000
|
|
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
|
$500
|
$500
|
$500
|
|
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
|
Included if plan is purchased within 21 days of first trip payment and full trip cost is insured
|
Not included
|
Not included
|
|
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
|
90 days
Does not apply to NH residents |
120 days
Does not apply to NH residents |
180 days
Does not apply to NH residents |
|
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
|
Included
|
Included
|
Not included (secondary coverage)
Included for CT residents |
| Accidental death and dismemberment | |||
|
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
|
$25,000
|
$20,000
|
$10,000
|
|
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
|
$25,000
|
$20,000
|
$10,000
|
| Other benefits | |||
|
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
|
Included
|
Included
|
Included
|
|
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.
|
Yes
|
No
|
No
|
|
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
|
Up to 180 days
|
Up to 30 days
|
Up to 30 days
|
|
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
|
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
|
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
|
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
|
|
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
|
21 days
|
21 days
|
21 days
|
|
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
|
Included, but limited to eligible activities (optional upgrade available for additional activities)
|
Included, but limited to eligible activities (optional upgrade available for additional activities)
|
Included, but limited to eligible activities (optional upgrade available for additional activities)
|
| Optional upgrades | |||
|
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.
|
Available (75% of insured trip cost up to $7,500)
|
Not available
|
Not available
|
|
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
|
Available ($50,000 with a $100 deductible)
|
Available ($50,000 with a $100 deductible)
|
Available ($50,000 with a $100 deductible)
|
|
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
|
Available (additional $250,000)
Not available to NH residents |
Not available
|
Not available
|
|
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
|
Available (waives exclusions on certain activities)
Search and rescue: $10,000 Security evacuation: $100,000 |
Available (waives exclusions on certain activities)
Search and rescue: $10,000 Security evacuation: $100,000 |
Available (waives exclusions on certain activities)
Search and rescue: $10,000 Security evacuation: $100,000 |
|
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
|
Available ($200,000, $500,000, or $1,000,000)
Not available to NH residents |
Available ($200,000, $500,000, or $1,000,000)
Not available to NH residents |
Available ($200,000, $500,000, or $1,000,000)
Not available to NH residents |
|
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
|
Available
Pet care: $250 Pet veterinarian expense: $2,500 |
Available
Pet care: $250 Pet veterinarian expense: $2,500 |
Available
Pet care: $250 Pet veterinarian expense: $2,500 |
|
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
|
Available ($2,000)
|
Available ($2,000)
|
Available ($2,000)
|
|
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.
|
Available (100% of insured trip cost up to $10,000)
|
Not available
|
Not available
|
|
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
|
Available (additional $3,000)
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Available (additional $4,000)
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Available (additional $4,250)
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
| Our plan benefits and coverage details | ||
|---|---|---|
| Ultimate | Advantage | Essential |
| Trip cancellation, interruption, delay, and inconvenience | ||
|
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.
|
||
|
|
|
|
|
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
|
||
|
|
|
|
|
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
|
||
|
|
|
|
|
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
|
||
|
|
|
|
|
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
|
||
|
|
|
|
|
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
|
||
|
|
|
|
|
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason.
Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum |
||
|
|
|
|
| Emergency evacuation and repatriation | ||
|
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
|
||
|
|
|
|
| Emergency medical expense | ||
|
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
|
||
|
*$50,000 for NH residents |
|
|
|
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
|
||
|
|
|
|
|
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
|
||
|
|
|
|
|
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
|
||
|
Does not apply to NH residents |
Does not apply to NH residents |
Does not apply to NH residents |
|
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
|
||
|
|
|
Included for CT residents |
| Accidental death and dismemberment | ||
|
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
|
||
|
|
|
|
|
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
|
||
|
|
|
|
| Other benefits | ||
|
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
|
||
|
|
|
|
|
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.
|
||
|
|
|
|
|
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
|
||
|
|
|
|
|
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
|
||
|
|
|
|
|
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
|
||
|
|
|
|
|
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
|
||
|
|
|
|
| Optional upgrades | ||
|
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.
|
||
|
|
|
|
|
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
|
||
|
|
|
|
|
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
|
||
|
Not available to NH residents |
|
|
|
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
|
||
|
Search and rescue: $10,000 Security evacuation: $100,000 |
Search and rescue: $10,000 Security evacuation: $100,000 |
Search and rescue: $10,000 Security evacuation: $100,000 |
|
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
|
||
|
Not available to NH residents |
Not available to NH residents |
Not available to NH residents |
|
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
|
||
|
Pet care: $250 Pet veterinarian expense: $2,500 |
Pet care: $250 Pet veterinarian expense: $2,500 |
Pet care: $250 Pet veterinarian expense: $2,500 |
|
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
|
||
|
|
|
|
|
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.
|
||
|
|
|
|
|
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
|
||
|
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Here's what you get with our on-trip cruise travel insurance plan
Want cruise coverage that kicks in after you say bon voyage? Check out our on-trip plan below to decide if it’s the best travel insurance for your cruise.
Before you buy: Our Travel Med Go plan doesn’t offer coverage if you need to cancel your cruise. If you’re interested in pre-trip benefits, check out our Ultimate, Advantage, or Essential plan.
Travel Med Go
Our post-departure plan with helpful on-trip coverage.
- Trip cancellation
- Up to $50,000 emergency medical
- Additional $250,000 emergency medical upgrade available
- Up to $250,000 emergency evacuation and repatriation
- Up to $1,000 baggage and personal effects
| Our plan benefits and coverage details | Travel Med Go |
|---|---|
| Trip interruption and delay | |
|
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
|
$1,000 maximum
|
|
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
|
$500 ($200 daily limit)
|
|
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
|
$300
|
|
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
|
$1,000 ($500 per item limit)
|
|
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
|
$500
|
| Emergency evacuation and repatriation | |
|
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
|
$250,000
|
| Emergency medical expense | |
|
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MS, MT, VT, and WA have a $50 deductible.
|
$50,000
|
|
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VA, and WA have a $50 deductible.
|
$500
|
|
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
|
180 days
Does not apply to NH residents |
|
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
|
Included
|
| Accidental death and dismemberment | |
|
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
|
$10,000
|
|
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
|
$10,000
|
| Other benefits | |
|
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
|
Included
|
|
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
|
Up to 60 days
|
|
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
|
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
|
|
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
|
21 days
|
|
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
|
Included, but limited to eligible activities (optional upgrade available for additional activities)
|
| Optional upgrades | |
|
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
|
Available ($50,000 with $100 deductible)
|
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If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
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Available (additional $250,000 for emergency medical expense only)
Not available to NH residents |
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If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
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Available (provides coverage for certain additional activities not included in the base plan)
Search and rescue: $10,000 Security evacuation: $100,000 |
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If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
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Available
Limit options: $200,000, $500,000, or $1,000,000) Not available to NH residents |
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If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
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Available
Pet care: $250 Pet veterinarian expense: $2,500 |
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Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
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Available ($2,000)
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Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
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Available (additional $4,000)
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
| Our plan benefits and coverage details |
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| Travel Med Go |
| Trip interruption and delay |
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Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
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Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
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Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
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Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
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Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
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| Emergency evacuation and repatriation |
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Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
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| Emergency medical expense |
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Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MS, MT, VT, and WA have a $50 deductible.
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Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VA, and WA have a $50 deductible.
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This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
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Does not apply to NH residents |
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If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
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| Accidental death and dismemberment |
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Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
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Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
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| Other benefits |
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If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
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The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
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We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
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This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
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We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
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| Optional upgrades |
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If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
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If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
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Not available to NH residents |
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If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
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Search and rescue: $10,000 Security evacuation: $100,000 |
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If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
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Limit options: $200,000, $500,000, or $1,000,000) Not available to NH residents |
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If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
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Pet care: $250 Pet veterinarian expense: $2,500 |
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Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
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Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
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Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Here's what you get with our flight cruise travel insurance plans
Traveling by sea and air? Our flight plans can help protect you on the plane and throughout your trip depending on which plan you choose. Explore our two levels of flight coverage below.
Before you buy: Think you’ll want coverage for canceling your cruise? Our flight plans don’t offer our trip cancellation benefit. For pre-trip protection, take a look at our Ultimate, Advantage, or Essential plan instead!
Flight Insure Plus
Our plan with extra coverage during your flight and throughout your trip.
- Up to $1 million accidental death for air travel
- Up to $10,000 emergency medical and dental
- Up to $100,000 emergency evacuation and repatriation
- Up to $1,000 baggage and personal effects
- Up to $50 missed connection
Flight Insure
Our plan with simple coverage during your flight.
- Up to $1 million accidental death for air travel
- Emergency medical
- Emergency evacuation and repatriation
- Baggage and personal effects
- Missed connection
| Our plan benefits and coverage details | Flight Insure Plus | Flight Insure |
|---|---|---|
| Accidental death | ||
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Benefit for loss of life as a result of an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip.
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Up to $1 million
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Up to $1 million
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| Medical and dental | ||
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Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip and emergency dental treatment if you're injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
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$10,000
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Not included
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Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
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$100,000
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Not included
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This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
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180 days
Does not apply to NH residents |
Not applicable
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If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
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Included
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Included
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| Travel inconvenience | ||
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Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
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$1,000 ($250 per item limit)
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Not included
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Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
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$500
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Not included
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Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
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$50
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Not included
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| Other benefits | ||
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If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
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Included
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Included
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The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
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Up to 180 days
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Up to 180 days
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We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
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All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
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All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
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This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
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21 days
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21 days
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| Our plan benefits and coverage details | |
|---|---|
| Flight Insure Plus | Flight Insure |
| Accidental death | |
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Benefit for loss of life as a result of an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip.
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| Medical and dental | |
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Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip and emergency dental treatment if you're injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
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Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
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This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
|
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Does not apply to NH residents |
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If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
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| Travel inconvenience | |
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Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
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Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
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Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
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| Other benefits | |
|
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
|
|
|
|
|
|
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
|
|
|
|
|
|
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
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This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
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Important:
* This coverage only applies to emergency medical expenses that first arise during your trip. You’ll have a $50 deductible if your primary residence is in Connecticut, Indiana, Kansas, Missouri, Montana, Vermont, or Washington. Residents of New Hampshire are eligible for up to $50,000 emergency medical and dental coverage with the Ultimate plan.
Why vacation with our cruisetravel insurance?
You can match your coverage to your trip and move forward with a team that understands the ups, downs, and surprises of travel.
Personalize your policy
We have up to nine upgrades to choose from, so you can protect your cruise your way.
25+ years’ experience
We’ve been helping our travelers keep their cruises on track for over two decades.
24/7 travel support
Get help fast whenever — and wherever — you need it, whether you’re on land or at sea.
Get to know ourcoverage a little bit more
Cruise smarter with benefits and upgrades that help keep up with every twist and turn at sea.
Unpack our benefits
Our plans offer a variety of perks to help protect you from port to port. Whether it’s travel delays or emergency medical expenses, you can cruise through unexpected issues with our coverage.
Discover our upgrades
Like having options? With up to nine optional upgrades like adventure activities and cancel for any reason on the Ultimate plan, you can sail into the sunset with personalized travel insurance for your cruise.
Pack our Travel On app
Keep your policy in your pocket — and more. Travel safer with our app’s tap-to-call 24/7 assistance, destination information, and real-time safety alerts.
Tips and tricks forcruise vacations
We’re here to help you set your sights on a safer and smoother cruise.
Want a safer cruise?
Check out our cruise safety guide so you can make smarter decisions and have a more relaxing onboard experience.
Want to save money on your cruise?
From the best times to book a cruise to which cabin to choose, here are our tips for cruising on a budget.
Want the truth about cruises?
We’re debunking seven myths about cruises so you can have the confidence to plan a getaway on the water.
Want to know more about our cruise travel insurance?
Get the details on our cruise coverage so you can sail into savings and security.
No, not when you buy one of our Travelex plans. We include cruise vacations in our base plans, so there’s no need to include an upgrade for this type of vacation.
All you need to do is compare our plans to discover which one may have the right coverage for your trip. Then, get a quote online to buy.
Still interested in our upgrades? We have up to nine available depending on which plan you select.
We don’t have a specific cruise plan, because all our plans apply to travel at sea! So, you can set sail with confidence no matter which plan you choose.
Depending on which plan you choose, you can pack helpful benefits for cruises like:
- Missed connection if you’re delayed getting to the port
- Reimbursement for lost or delayed baggage on and off the ship
- Trip interruption if something cuts your cruise short
- Emergency medical for onboard treatment or a trip to the doctor at a port stop
- Emergency medical evacuation for transportation to the medical care you need
Plus, with 24/7 travel assistance included with all our plans, our provider is available around the clock to help you on land and at sea.
Head to our compare plans page to see how our plan benefits and limits differ!
Like any vacation, it’s important to protect the time, effort, and funds you’ve invested in your cruise plans. With our cruise coverage, you can feel more at ease on the high seas with an expert team on your side. No matter the time or place, we’re ready to offer solutions for unexpected issues during your vacation – whether it’s financial support or help accessing the right medical care.
Wondering what mishaps could happen on your cruise and how we can help? Whether you lose your luggage on the cruise ship, miss a connecting flight on your way to your cruise port, or slip and fall on the pool deck, our cruise insurance can reimburse you for unforeseen expenses that come up from these situations — and more.
Our Travelex plans apply to your entire trip from start to finish. We can help if your cruise is unexpectedly canceled, interrupted, or delayed — even if you bought non-refundable tickets or tours. So, if something comes up before you set sail, our cruise insurance may reimburse you for the prepaid Bahamas snorkeling tour you booked or the cruise tickets you purchased to explore Europe.
Concerned about catching a cold or a bad case of sea sickness on your cruise? If you unexpectedly get sick or hurt during your cruise vacation, we can reimburse you for unforeseen emergency medical costs, both on and off the ship.
Along with helping to safeguard your trip, our travel insurance for cruises can also help protect the journey your luggage takes. If your belongings are lost, stolen, or damaged on your cruise, we can help cover the cost of replacing them. This could come in handy on a cruise, where you’ll be among larger crowds. To learn more about our luggage coverage, visit our lost or delayed baggage page.
Only you can know which travel insurance is right for you and your trip. Our three comprehensive plans — Ultimate, Advantage, and Essential — can protect cruise vacations, so they may be good options for your trip. They offer the essential coverage you need if a sudden incident happens during your getaway at sea. Plus, each plan includes access to our Travel On app for tap-to-call assistance, real-time safety alerts, and more.
Wondering which one of our plans could be the best travel insurance for your cruise? Here are some details on each of our plans:
Ultimate
Our most comprehensive —and customizable — plan. It offers up to $50,000 trip cancellation, $1,000,000 emergency evacuation, $250,000 emergency medical coverage, and much more.
Advantage
Our mid-tier plan with great coverage at an even greater price. It offers up to $10,000 trip cancellation, $250,000 emergency evacuation, $50,000 emergency medical coverage, and other key benefits.
Essential
Our budget-friendly protection plan with essential coverage. It offers up to $10,000 trip cancellation, $200,000 emergency evacuation, and $25,000 emergency medical coverage — plus other benefits.
Want to customize your policy to better suit your cruise? Check out our optional upgrades:
- Cancel for any reason upgrade: available on our Ultimate plan
- Cancel for business reasons upgrade: available on our Ultimate plan
- Rental car damage upgrade: available on our Ultimate, Advantage, and Essential plans
- Additional medical upgrade: available on our Ultimate plan
- Adventure activities upgrade: available on our Ultimate, Advantage, and Essential plans
- Accidental death for air travel upgrade: available on our Ultimate, Advantage, and Essential plans
- Pet care upgrade: available on our Ultimate, Advantage, and Essential plans
- Rental property security deposit upgrade: available on our Ultimate, Advantage, and Essential plans
- Additional baggage upgrade: available on our Ultimate, Advantage, and Essential plans
You can! Because if you want to go on a cruise, we don’t want unexpected issues with your conditions to stop you.
If you buy our Ultimate plan within 21 days of your first trip expense, insure your entire trip cost, and are able to travel when purchasing our coverage, we can offer coverage for your pre-existing conditions.
What’s that look like? If your ongoing illness acts up and you need medical care on your cruise, it normally wouldn’t be covered because of our pre-existing condition exclusion. But with our Ultimate plan and the requirements met above, we can waive that exclusion and offer you the benefit. So, if pre-existing asthma affects your airways at sea or diabetes throws your blood sugar for a loop, we can support your unexpected medical costs.
Our base plans do offer coverage for certain sporty experiences like snorkeling, horseback riding, kayaking, and surfing. This way, your emergency medical coverage stays with you, letting you enjoy cruise excursions with extra confidence!
Want to take your adrenaline up a notch on your cruise with ziplining, scuba diving, or bungee jumping? Our base plans exclude more thrilling activities like these, but our adventure activities upgrade removes that exclusion!
If you buy our Ultimate, Advantage, Essential, or Travel Med Go plan and add our adventure activities upgrade, we’ll offer medical coverage for those exciting adventures. It’s smart to add security when there’s more risk, so be sure to check out the upgrade when you get a quote — so you can feel freer to focus on fun.
Whether it’s 3 a.m. on the ship or 2 p.m. on land, our 24/7 assistance provider is always ready to guide you through any choppy waters. Whether it’s a medical emergency, a lost bag, or a delayed excursion, they’re here to help you navigate the situation so you can get back to enjoying your cruise. Just tap the assistance button in our Travel On app to reach them fast!
We want our traveler to go with their bucket list takes them — not chain them to computers in a hotel lobby! That’s why we make it easy to file a claim remotely.
With our online claims portal, you can file a claim anytime, anywhere, even from the middle of the ocean (as long as you have Wi-Fi). Just enter your policy confirmation number, and you’ll be able to submit your claim, upload documents, and track its status all in one place.
Yes! In fact, we recommend that you buy travel insurance for your cruise as soon as you book any part of your vacation. This means you can benefit from trip cancellation coverage for as long as possible.
Why else should you purchase as soon as you book? If you get our Ultimate plan within 21 days of your first trip payment and insure your whole trip cost, we can include coverage for your pre-existing conditions. Then, if your ongoing illness acts up during your cruise and you need medical treatment, we may reimburse you for those costs. This coverage can be helpful whether you're looking for cruise travel insurance for seniors or coverage for your family.
It’s fast, free, and easy to find out how much your cruise insurance will cost — just get a quote at the top of this page. All you have to do to start is enter your destination!
