CRUISE TRAVEL INSURANCE
Share your cruise itinerary and ask about the details relevant to life at sea.
Specialist cover for cruise holidays, including medical care and missed port protection.
Find tailored travel insurance at the right price by comparing deals from the UK’s leading insurance providers.
Cruise travel insurance is a specialist policy designed for travellers going on cruises. It offers all the standard benefits of travel insurance, but with extra protection for situations related to cruise holidays, like missed port departures to cabin confinement, lost baggage, medical treatment on board, and itinerary changes due to weather. Cruise insurance helps you stay protected throughout your entire journey at sea and on land. With Quays, you can compare cruise insurance policies from trusted UK insurers and find the right level of cover for your next sailing.
Yes, cruise trips come with risks that are not always covered by a standard travel policy.
Because you are far from home, at sea, and often visiting multiple countries in one trip, you need a policy that supports:
Without dedicated cruise cover, these scenarios could lead to extremely high costs, especially when medical care at sea or emergency evacuation is involved.
Every insurer is different, but most cruise policies offer extra layers of protection beyond standard travel insurance.
Here’s what you can usually expect:
If you need urgent medical care while on the ship, your policy helps cover onboard medical treatment, hospitalisation in a foreign country, and medical evacuation if necessary.
If you arrive late and the ship has already left, your insurer may cover transport costs so you can rejoin the cruise at the next port.
If you fall ill and a doctor instructs you to stay in your cabin during the cruise, you can receive compensation for the days you’re unable to enjoy the facilities.
Weather conditions or mechanical issues can force a ship to skip a planned port. Cruise insurance may offer compensation for missed excursions or activities.
If illness, injury, orCover for essential items, personal belongings, and checked baggage so you’re not left without your holiday essentials. unexpected events force you to cancel or cut your trip short, you may be reimbursed for unused portions of the cruise.
If illness, injury, or unexpected events force you to cancel or cut your trip short, you may be reimbursed for unused portions of the cruise.
24/7 helplines so you can get support whenever you need it whether at sea or on shore24/7 helplines so you can get support whenever you need it whether at sea or on shore
Most cruise policies allow you to select cover based on your route. Common options include:
Depending on your trip, you may want extra protection. Many UK insurers offer optional add-ons such as:
Reimbursement for prepaid excursions if you miss a port due to weather or schedule changes.
Higher limits for cameras, tablets, phones, and other devices you bring on board.
For travellers who want a higher limit for medical treatment, especially on long cruises.
If your cruise includes skiing, scuba diving, hiking tours, or adventure excursions.
Extra protection for jewellery, designer items, or valuable clothing.
An exclusion is a scenario or issue that you won’t be
Like all travel insurance, cruise policies have exclusions. These may include:
covered for. Almost all insurers have exclusions, but they can vary between providers so always take the time to compare. Common exclusions include:
• Travelling to countries or regions that the Foreign Office has advised travellers not to visit
• Claims that are the result of drinking too much alcohol or taking drugs
• Cancellation for reasons that you have control over, such as having to cancel your holiday because you haven’t renewed your passport in time.
Yes, many UK insurers offer cruise insurance for travellers with medical conditions, as long as you declare them during your quote.
You may be asked a few questions about your health history, current medication, and recent treatments. Once approved, your policy will cover:
Yes, it’s not uncommon for travel insurance policies to have age limits. These are usually between 75 and 85 years old. Some insurers also restrict cover for things like winter sports if you are an older traveller.
You can still find travel insurance for over 70s and travel insurance for over 80s, but you are likely to have fewer options and pay higher costs.
If you have health issues, or have been refused cover elsewhere, you may need a policy from an insurer that specialises in covering medical conditions.
Age
Average cost of travel Insurance
50s
£19.74
60s
£38.44
70s
£55.86
80s
£121.20
Cruise travel insurance is a specialist policy that covers cruise-specific risks such as onboard medical treatment, missed port departures, cabin confinement, and itinerary changes, alongside standard travel insurance benefits.
Yes. Cruise insurance includes extra cover for situations standard travel insurance often excludes, such as missed ports, medical care at sea, and cruise itinerary disruptions.
Yes. Even UK or European cruises can involve high onboard medical costs and itinerary changes, which cruise insurance is designed to cover.
Yes. Most cruise policies cover onboard medical treatment, emergency care at port destinations, and medical evacuation if specialist treatment is required.
Cruise insurance may cover additional travel costs to help you rejoin the ship at the next port if you miss departure due to reasons beyond your control.
Cabin confinement cover provides a daily benefit if you’re medically required to remain in your cabin and unable to take part in cruise activities.
Yes. Cruise insurance is available for travellers with pre-existing medical conditions, as long as the condition is declared and accepted by the insurer.
Yes. Most cruise insurance policies cover organised shore excursions, though high-risk activities may require an additional add-on.
