Comparing Top Cruise Insurance Providers of 2024

When booking your next cruise vacation, selecting the right cruise insurance provider should be a top priority. With a wide range of options to choose from, comparing the top cruise insurance companies of 2024 can help you find the ideal policy for your cruise that provides coverage and protection tailored to your specific needs and concerns. As you evaluate plans from leading insurers like Nationwide, Allianz, and AIG, focus on key factors like levels of coverage, exclusions, pre-existing condition stipulations, and premium costs to identify the provider that offers you the best value. Finding the right cruise insurance gives you peace of mind so you can relax and enjoy every moment of your cruise knowing you and your trip are protected.

What Does Cruise Insurance Cover?

Cruise insurance provides coverage for unforeseen events that may impact your cruise. The specific benefits and coverage limits will vary between policies and providers, but most plans offer protection for medical emergencies, trip cancellation, and baggage.

Medical Emergencies

If you experience a medical emergency during your cruise, insurance can help cover costs for emergency medical treatment, medical evacuation, and repatriation of remains. Policies typically provide $25,000 to $50,000 in coverage, though higher limits are available for an additional premium.

Trip Cancellation and Interruption

If you need to cancel or cut your cruise short due to illness, injury or other covered reasons, cruise insurance can reimburse prepaid, nonrefundable costs. Coverage is often available up to the full cost of your cruise fare. Some policies provide coverage for travel delays, missed connections and port closures as well.

Baggage Coverage

Cruise insurance may provide compensation if your baggage is lost, stolen, or damaged during your trip. Coverage limits typically range from $500 to $2,500 per person. Higher amounts are available for additional fees on some plans. Coverage may extend to cameras, laptops and other valuables if you purchase a policy with an expanded definition of baggage.

While cruise insurance cannot prevent unforeseen events from happening, it can provide financial protection and peace of mind. Comparing policies and coverage options carefully based on your unique needs and cruise details can help ensure you choose a plan that fits both your budget and risk tolerance. With the right cruise insurance in place, you can set sail with confidence your investment is protected.

Top Cruise Insurance Providers for 2024

Nationwide Travel Insurance

Nationwide Travel Insurance is a highly recommended provider of cruise insurance for 2024. They offer three levels of coverage: Essential, Preferred and Premier. Their plans are very affordable and provide coverage for medical emergencies, trip cancellations, and delays. Nationwide Travel Insurance has an excellent reputation and customer service. They are based in the U.S. but provide coverage for cruises worldwide.

Seven Corners Travel Insurance

Seven Corners Travel Insurance is an excellent choice for families in need of cruise insurance. They offer very comprehensive coverage for children at no additional cost. Their plans cover emergency medical care, medical evacuation, trip cancellations, and interruptions. Seven Corners is recommended for adventure cruises and destinations where quality medical care may be limited. They have highly customizable plans to suit any budget or coverage needs.

AXA Assistance USA

AXA Assistance USA focuses on providing coverage for emergency medical care and evacuation during cruises. They offer some of the highest coverage limits for emergency medical and hospital expenses. AXA Assistance USA uses a global network of assistance centers and accredited hospitals to provide emergency services and medical care during cruises. They also offer coverage for trip cancellations and interruptions caused by medical emergencies. AXA Assistance USA is an ideal provider for cruisers with pre-existing medical conditions or for high-risk destinations.

In summary, the top cruise insurance providers for 2024 based on coverage, affordability, reputation and services are Nationwide Travel Insurance, Seven Corners Travel Insurance and AXA Assistance USA. Compare their plans and coverage details to find one that suits your specific cruise insurance needs. Always purchase cruise insurance as early as possible to ensure you are fully covered for any unforeseen events before or during your cruise.

What Type of Insurance Do You Need for a Cruise?

When planning a cruise vacation, purchasing insurance coverage specifically designed for cruises is highly recommended to protect your investment and provide financial security in case of unforeseen events. Cruise insurance plans cover risks inherent to sea travel like rough water conditions, missed ports of call, and medical evacuation that may not be included in standard travel insurance.

Comprehensive Cruise Insurance

Comprehensive cruise insurance provides the broadest level of coverage for medical expenses, trip cancellation or interruption, missed connections, lost baggage, and emergency evacuation. Plans typically include coverage for pre-existing medical conditions if purchased within a set time period after your initial cruise deposit, often 14 to 21 days. Comprehensive plans are best suited for cruisers with health concerns, those taking expensive or far-reaching itineraries, or for large groups.

Medical-Focused Cruise Insurance

For healthy travelers on a budget, medical-focused cruise insurance provides coverage primarily for unforeseen illnesses or injuries that occur during your cruise. These plans typically exclude trip cancellation coverage and other benefits in exchange for a lower premium. They ensure you receive proper care and evacuation in a medical emergency but do not reimburse non-refundable deposits if you have to cancel for a covered reason. Medical-focused plans may be a good option for short cruises, especially if you have trip cancellation coverage through another source.

In summary, the level of cruise insurance needed depends on your health conditions, the specifics of your cruise itinerary, and your risk tolerance. While comprehensive coverage provides the greatest security, more basic plans can save costs for some travelers. No matter which option you choose, purchasing cruise insurance within two to three weeks of your initial deposit is recommended to ensure pre-existing medical conditions are covered should you need to file a claim.

How Much Does Cruise Insurance Cost on Average?

Cruise travel insurance policies typically cost between 5% to 6% of your total cruise fare. According to industry experts, the average cruise insurance policy costs around $457 USD per trip. The exact price you pay will depend on several factors, including the value of your cruise, your age, and the level of coverage you select.

Those looking for minimal coverage to protect their investment may pay on the lower end of the range, around $300 to $500 for a standard $5,000 to $10,000 cruise. Comprehensive “cancel for any reason” policies, on the other hand, could cost $750 or more for a cruise of the same value. Age also plays a role in determining your cruise insurance premiums. Travelers over the age of 65 may pay 10% to 30% more for a policy that includes medical coverage versus a policy for a younger traveler. This is because as you age, the risk of medical emergencies increases.

The type of cruise you take can also impact the cost of insurance. Adventure cruises, world cruises, and other exotic itineraries often have higher premiums due to an increased likelihood of unforeseen events disrupting travel plans. River cruises and luxury cruises also tend to warrant paying a premium, given their higher costs.

In summary, while the average cost of cruise insurance is $457 per trip according to industry estimates, the price you pay will depend on the specifics of your cruise. The most budget-friendly policies may start around $300, but you can expect to pay between 5% to 10% of your total cruise fare for a comprehensive policy that provides adequate coverage based on your needs and travel risks. Purchasing insurance, even if not legally required, provides financial security and peace of mind for your seafaring adventure.

When to Buy Cruise Insurance Policies

Purchasing cruise insurance is an important consideration when booking a cruise vacation. Cruise insurance provides coverage for unforeseen events that could disrupt your travels such as illness, injury, or trip cancellation. As with any insurance policy, the earlier you purchase coverage, the better. However, there are some key timeframes to keep in mind.

Purchase no later than 50 days before departure

The ideal time to purchase a cruise insurance policy is between 30 to 50 days before your scheduled departure date. Purchasing coverage during this window allows ample time for any pre-existing medical conditions to be properly evaluated while still providing coverage for unforeseen events that may arise just prior to your trip. Waiting until the last minute risks the possibility of undisclosed medical conditions not being covered under the policy.

Consider cancel for any reason coverage 14-21 days out

If you wish to purchase coverage that allows you to cancel your cruise for any reason, including situations not normally covered under a standard policy, you will need to purchase this additional coverage between 14 to 21 days prior to departure. Cancel for any reason coverage provides the broadest protection but at an additional cost. Purchasing closer to your departure date may not provide enough time for a full evaluation of your medical history.

Coverage can be purchased up until 24 hours before departure

While not ideal, cruise insurance policies can be purchased up until 24 hours prior to your scheduled departure in case of last minute changes or forgotten details. However, coverage for pre-existing medical conditions or the cancel for any reason benefit may not apply if purchased this close to departure. At a minimum, a standard policy can provide coverage for unforeseen illness, injury or other covered situations arising after the purchase date.

In summary, for the most comprehensive cruise insurance coverage including provisions for pre-existing medical conditions and cancel for any reason benefits, aim to purchase a policy between 30 to 21 days prior to your cruise departure date. Waiting until the last minute risks loss of coverage for your specific needs and budget. An ounce of prevention is worth a pound of cure – don’t set sail without the peace of mind that cruise insurance provides.

Cruise Insurance vs Travel Insurance – What’s the Difference?


Cruise insurance is designed specifically to cover risks associated with cruise vacations, such as trip cancellation or interruption, medical emergencies, and baggage loss or delay. In contrast, travel insurance provides coverage for a wider range of travel scenarios in addition to cruises. With travel insurance, you can obtain coverage for issues like flight delays or lost luggage when traveling to your cruise embarkation port. Some travel insurance plans also include coverage for non-cruise trip components like tours, hotels, and rental cars.

Pricing and Providers

Cruise lines typically offer their own cruise insurance or partner with a single insurance provider. Travel insurance, on the other hand, can be purchased from various independent providers. As a result, travel insurance may provide access to a wider range of policy options at potentially lower costs. When comparing cruise insurance to travel insurance, it is advisable to compare policies and pricing from different providers to determine which option offers the best value for your needs.

Policy Details

The specific coverage, exclusions, and limits can vary significantly between different cruise insurance and travel insurance policies. For example, some policies may cap medical coverage at $10,000 per person while others offer up to $50,000 or more. Certain policies may exclude claims related to pre-existing medical conditions. When choosing between cruise and travel insurance, carefully compare the details of different policies to ensure the coverage, limits, and exclusions suit your needs and risk tolerance.

In summary, while cruise insurance and travel insurance both provide valuable trip protection, there are several differences to consider regarding coverage scope, provider options, policy details, and pricing. For many travelers, a comprehensive travel insurance policy from a reputable provider may represent the best option to safeguard their cruise investment and gain the peace of mind to fully enjoy their well-deserved vacation.

Why Is Cruise Insurance More Expensive Than Other Types?

Cruise insurance premiums tend to be higher than standard travel insurance due to the significant costs involved with cruising. As mentioned previously, cruise insurance covers 100% of the trip costs up to $25,000 per person. Cruises require booking well in advance, often 6-18 months ahead of the sailing date, and many components are paid for upfront on a nonrefundable basis.

Prepayment of Major Expenses

When booking a cruise, travelers pay for nearly all major components such as the cabin, dining, and entertainment upfront. If a traveler needs to cancel for a covered reason like illness or injury, cruise insurance reimburses these sizable prepayments. The insurance companies price policies based on the total trip cost and the likelihood of claims to ensure they can cover reimbursements.

Medical Care on Board

Cruise ships essentially function as floating cities with hundreds to thousands of passengers and crew onboard for the duration of the trip. If a traveler falls ill or suffers an injury while at sea or in a port of call, emergency medical care and evacuation can be extremely expensive. Cruise insurance helps offset these potentially high costs in the event of a medical emergency.

Repatriation Fees

If a traveler needs emergency medical care on board that requires disembarking the ship, most cruise lines charge “repatriation fees” to transport the passenger back home. These fees, which can amount to $50,000 or more by air ambulance, are covered under most comprehensive cruise insurance policies. Repatriation coverage adds significantly to the overall cost of a policy.

In summary, the main reasons cruise insurance premiums exceed standard travel insurance rates are the substantial upfront costs, risks of medical emergencies at sea, and high repatriation fees in the event of a medical evacuation. For the peace of mind and financial security, the additional cost of a comprehensive cruise insurance policy is worthwhile for most travelers.

Cruise Insurance Tips and Recommendations

When embarking on a cruise, purchasing insurance is highly advisable to protect your investment and ensure peace of mind. Cruise insurance, also known as “travel insurance,” covers unforeseen events like trip cancellations, interruptions, and medical emergencies. Some cruise lines recommend particular insurance providers, but you can also compare policies from various companies to find the right coverage for you.

It is recommended that you purchase insurance covering 100% of your total trip costs in the event of cancellation. For other incidents, aim for coverage of at least 100-150% of costs. Review policy details to verify coverage of cruise-specific issues like port closures, missed shore excursions, and shipboard medical care. Some policies offer additional coverage for lost baggage, travel delays, and emergency medical evacuation.

For the over-65 crowd, look for companies offering dedicated cruise insurance for seniors. These policies may have lower age restrictions and include benefits like bedrest indemnity or companion rider coverage. Individuals with pre-existing medical conditions should disclose these when purchasing insurance to avoid potential coverage disputes.

When comparing policies, consider both the overall coverage and specific benefits offered. Ask about exclusions, limitations, and the claims process. Purchase insurance as soon as possible after booking your cruise, ideally within 14-21 days. Most policies require purchase at least 14 days before departure, and earlier purchase often means lower premiums.

Some highly-rated cruise insurance providers include Allianz, Nationwide, AIG Travel Guard, and Royal Caribbean’s CruiseCare. These companies offer a range of coverage levels at varying price points. Do some research on independent review sites to determine which company and policy is right for your needs and budget.

With the proper cruise insurance in place, you can set sail with the peace of mind that unforeseen events will not derail your seafaring adventure or leave you stranded with costly out-of-pocket expenses. Carefully choose a policy providing the coverage you need so you can relax and enjoy your voyage without worry.


Though you now have a comprehensive understanding of the top cruise insurance providers, the decision remains in your hands. Carefully weigh the pros and cons of each company as they relate to your specific travel plans and budget. Whichever option you choose, cruise with confidence knowing your investment is protected. Plan your dream voyage and sail away with peace of mind.

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