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Is Cruise Travel Insurance Worth the Cost?

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Table of Contents

What is cruise travel insurance?

What does cruise travel insurance cover typically, how much is travel insurance for a cruise, do i need it if i have other travel protections, is cruise travel insurance worth it.

Cruise travel insurance covers the cruise itself, not related travel.

It's usually purchased through the cruise operator, typically before booking.

Check to make sure your credit card doesn't offer similar insurance before buying cruise insurance.

Cruising is one of America's favorite travel experiences. According to a 2021 report from Cruise Lines International Association, an industry trade association, 82% of cruisers will cruise again. As well, 62% of non-cruisers are open to the idea.

And why not? Cruises often give travelers the chance to experience multiple destinations plus enjoy onboard entertainment, activities and dining for a set, all-inclusive price . Cruises simplify budgeting in a year when travel prices have been hard hit by inflation .

But what happens if something goes wrong with your ship, or you can’t make it onboard because of health concerns? Cruise travel insurance might be the answer. It protects your payment and covers you against illness or injury.

Before you pay for a cruise travel insurance policy, here's a look at what it is, how it works and if it's worth it.

Cruise travel insurance is add-on insurance coverage that — just like travel insurance — will reimburse you for delays, interruptions, medical situations or other problems during the cruise.

Depending on which cruise line you're traveling with, you might be able to buy a travel insurance policy when booking your trip (through the cruise line directly) or at a later date (either through the cruise line or separately from a third party).

Protecting travel costs can be a smart money move. A September 2022 survey of 737 past cruisers by InsureMyTrip found that the average trip cost for an insured cruise vacation so far this year is $6,367, an increase of nearly 15% from before the pandemic.

Can you buy travel insurance after booking a cruise? It depends. Some cruise lines require the purchase of a travel insurance policy before the final payment date when charges become nonrefundable. Others require the purchase of coverage a certain number of days before departure. Read the fine print to find out the deadline to purchase and the specifics of its coverage.

Circumstances covered by cruise travel insurance vary by policy and by issuer. Many cruise lines partner with an insurance company to underwrite its policy benefits.

Some common benefits available as part of travel insurance from a cruise line include:

Trip cancellation and interruption . If you cancel your trip or unexpectedly cut it short for an eligible reason, such as severe weather or illness, you'll get back some or all of the upfront costs, depending on the policy.

Cancel For Any Reason . This coverage tends to be more flexible, forgiving and expensive at time of purchase. Policyholders can cancel for any reason not listed in the policy and still receive a portion of their trip cost back, either as cash or as a future cruise credit (assuming they meet other eligibility requirements).

Trip delay . Cruise delay insurance protection protects expenses if your trip is delayed beyond a set number of hours.

Baggage protection . This insures your luggage if it is lost, stolen, damaged or delayed, and gives money to buy necessary items until bags are recovered.

Medical coverage . If you get sick or injured during the trip, the policy covers treatment and related expenses up to a limit.

Emergency evacuation . When emergency evacuation is necessary, the policy covers the transport cost up to a limit.

COVID coverage . If your trip is canceled or interrupted due to COVID, the policy covers the unused prepaid expenses, medical treatment and emergency evacuation, up to policy limits.

When comparing policies, choose a policy that includes all of the benefits, protections and coverage limits that are important to you. While you may be tempted to choose the lowest-priced option, that policy may not have the coverage you need.

We examined cruise insurance prices for a seven-day trip in February 2023 from the U.S. to Mexico. The example traveler was 35 years old, from Georgia, and planned to spend $2,500 on the trip, including airfare.

The average price of each company’s most basic coverage plan was $124. These policies didn't include optional add-ons, such as Cancel for Any Reason coverage or coverage for pre-existing medical conditions .

Separately, we looked at five different cruise insurance add-ons for a similar trip. With this option, the average cost of basic coverage was cheaper than a standalone policy at $111.20. Keep in mind that cruise insurance policies offered by cruise lines typically cover the cruise portion of the trip only, but do include some Cancel For Any Reason coverage.

If you already have a standalone travel insurance policy or a credit card with travel protections, you may wonder if you need to purchase a cruise travel insurance policy.

Credit card travel insurance

Many travel credit cards include travel protections such as trip cancellation, interruption, delayed or lost luggage reimbursement, and emergency evacuation benefits. Before buying a cruise travel policy, compare the coverage benefits and limits to determine if you already have coverage with a credit card.

One benefit that cruise travel insurance policies offer that credit cards don't is the ability to cancel for any reason. Although you may not get back 100% of the cruise price, these policies allow you to cancel for any reason and get a portion of the price back as a credit toward a future trip. If the policy is priced low enough, it may be worth buying the insurance offered through your cruise line for that benefit alone.

Travel insurance policy

Standalone travel insurance policies can be purchased to cover one person or a family for a specific trip or multiple trips within a period of time. These policies are available at a variety of price points to meet a traveler's budget. When comparing policy options, you can balance price versus coverage options.

If you're traveling multiple times within a short period of time, it may be more economical to buy a more comprehensive travel insurance policy instead of separate policies for each trip.

Cruise travel insurance can be worth it to address your concerns about traveling and protect your investments. These policies offer numerous protections that will cover your expenses in case your trip is canceled, interrupted or delayed, or if you get sick during the trip.

Before buying this coverage, compare your options against your credit card benefits. You might also shop for general travel insurance policies to see if you can get a better deal than what’s offered through your cruise line.

If you’re not covered by your credit card, cruise travel insurance can be worth the added cost. It will give you peace of mind before setting sail, when signing up for that adventurous land excursion and when clicking "Book" for an expensive vacation in the COVID travel landscape.

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Guide to the Best Cruise Medical Insurance Plan 2024

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According to Reuters, approximately 35.7 million people worldwide are expected to go on a cruise in 2024. If this forecast is accurate, it will represent an increase of over 4 million passengers from 2023. This surge in passengers signifies a robust recovery for the cruise industry, which has seen significant improvements in safety measures, new and exciting cruise destinations, and the introduction of state-of-the-art cruise ships with advanced amenities designed to enhance the traveler experience.

The increase in cruise passengers can be attributed to several factors. First, cruise lines have implemented rigorous safety protocols and health measures to ensure the well-being of their guests in the wake of the COVID-19 pandemic. These measures include enhanced cleaning procedures, onboard medical facilities, and vaccination requirements, which have collectively restored traveler confidence.

The cruise industry also has expanded its offerings to include a wider variety of destinations and itineraries, catering to diverse traveler interests. From exploring the pristine beauty of Antarctica to experiencing the vibrant cultures of Southeast Asia, cruise lines are constantly innovating to attract new passengers and retain loyal customers. The introduction of new ships equipped with luxury amenities, such as infinity pools, gourmet dining options, and entertainment venues, further adds to the appeal of cruising.

But, for those planning a trip on a major cruise line with family, a partner, or a travel companion, it’s more important than ever to buy comprehensive travel insurance. COVID-19 has been a real game changer when it comes to cruise insurance. The pandemic has highlighted the importance of having robust travel insurance coverage to protect against unforeseen events and disruptions.

Finding a cruise travel insurance policy that provides medical benefits and specific coverage for personal items can be confusing and overwhelming. With so many options available, each with its own set of terms and conditions, it’s more important than ever to understand how to choose the right plan for your needs. And we are here to help! Our goal is to demystify the process and provide clear, concise information to help you make an informed decision.

In this guide, we’ll explain what to look for when shopping for a cruise medical insurance plan and reveal our favorite place to purchase travel insurance for your next cruise trip in 2024. Whether you are embarking on your first adventure or are a seasoned cruiser who has enjoyed many sailings over the years, you’ll know the current lay of the land—or rather, the sea—before you set off by understanding the key components of cruise insurance and how they apply to your travel plans to ensure a worry-free voyage.

What Exactly Is a Cruise Travel Insurance Plan?

Cruise travel insurance is a type of coverage that gives travelers peace of mind by protecting them against financial losses and risks that may occur before, during, or after their cruise. This typically includes incidents both on the ship and during shore excursions.

The coverage period generally begins when you purchase the policy until you disembark the cruise at the end of your trip. Covered incidents can range from travel delays and lost credit cards to damaged luggage and medical expenses.

Why Do I Need Insurance for My Cruise?

As they say, insurance is something you hope you never have to use but will be glad you have it when you need it!

For this reason, cruise insurance is something you should seriously consider if you can’t afford paying significant sums for medical care or non-refundable expenses from your trip if you need to cancel it.

Imagine you’re aboard your cruise, exploring exotic destinations and indulging in various on-board activities when suddenly you’re faced with a medical emergency.

A medical emergency can derail your trip at any time, whether you’re exploring exotic destinations or indulging in a new culinary delicacy onboard. Without insurance, you could be looking at thousands of dollars in out-of-pocket expenses for medical treatment, evacuation to the nearest hospital, and potential extended stays in foreign medical facilities. Emergency medical transportation to the U.S. alone can cost up to $25,000 from Mexico and the Caribbean, $90,000 from Europe, or $255,000 from Asia.

During our Norwegian Fjords cruise, we hiked Pulpit Rock from Stavanger, Norway. We witnessed one cruise passenger airlifted by helicopter from the top of the cliff back to our ship! I can’t even imagine how much that cost, let alone whatever medical expenses they had from their injuries.

We also saw another passenger who broke his finger after falling during the hike. He didn’t get a helicopter back to the ship but he was certainly going to need to get his injury treated as well.

Medical expenses don’t always have to be this dramatic either. I’ve personally visited the Medical Center on a cruise ship during two trips: once for tonsil stones and once for a severe rash. The visits cost $200-$300 each before cruise insurance.

But it’s not just medical emergencies that make cruise insurance indispensable. Consider the financial loss you could face if your non-refundable trip gets canceled due to inclement weather or if you miss the cruise because of a flight delay. Cruise insurance policies often cover trip interruption, allowing you to recoup your prepaid expenses.

Plus, there are myriad other benefits that cruise insurance offers. For instance, if you miss a connection due to a delayed flight, your policy might cover the cost of catching up to your cruise at the next port. Baggage delay coverage can also mitigate the inconvenience and additional costs associated with your luggage arriving late so if your luggage gets held up somewhere, your cruise insurance policy will reimburse you for essential clothing and toiletries, making your trip less stressful.

These benefits collectively provide peace of mind and financial security. Cruises often involve coordinating various arrangements, including international flights, hotel stays, and transportation, in addition to your time on the ship. In the event of a medical emergency, trip interruption, or even lost baggage, you’ll be glad to have a policy that covers substantial out-of-pocket expenses, ensuring that your dream vacation doesn’t turn into a financial disaster.

Does the health insurance I have at home cover me on a cruise?

The short answer is maybe / maybe not. It depends on what health insurance you have. Many health insurance policies do not cover you in an international destination or outside of your own home country. Even if it covers you abroad on land, it may not cover you on the ship itself.

You will need to check with your health insurance provider to find out exactly what they cover but either way, they will not cover your non-medical travel expenses should you need to cancel or postpone your cruise.

When to Buy Cruise Insurance

While you can take out insurance at any time, even as late as the day you set sail, several advantages arise from securing your cruise travel insurance as soon as you book your trip.

Ideal Insurance Timeline

• Booking Your Cruise: The moment you book your cruise is the optimal time to purchase your travel insurance. This ensures you are covered for trip cancellation due to unforeseen circumstances such as illness or natural disasters. This is super important if you have pre-existing medical conditions as most insurance policies will only cover them if you purchase insurance within 10 days of the first payment you make on your trip. For example, if you get hospitalized due to an underlying medical condition, like diabetes or high blood pressure, after you’ve already made your final payment on the cruise, having purchased insurance early allows you to file a claim and recoup the non-refundable costs from your trip.
• Before Final Payment of the Cruise: Final payment of the cruise, which varies by cruise line and cabin type booked, is usually the last chance to add on travel insurance provided by the cruise line. If you haven’t purchased it already, make sure you compare the cost and coverage offered by the cruise line with independent policies to decide which is best for your trip.
• One Month Prior: A month before departure, you might want to consider expanding your coverage. Most of the best cruise travel insurance providers allow you to include additional elements like shore excursions, specific covered events, or higher levels of emergency care. This flexibility helps you tailor your policy to your precise needs as your trip details become clearer.
• Two Weeks Prior: Ensuring that any last-minute details or updates are made to your insurance policy is crucial. Most policies require that all prepaid, non-refundable expenses associated with the trip are included in your total trip cost that you provide to the insurance company. Get this updated if you’ve booked anything else that cannot be canceled for a refund.

Purchasing comprehensive cruise insurance promptly after booking offers numerous advantages, from peace of mind to financial protection. Given the numerous benefits and flexibility offered by different providers, taking the time to secure and tailor your insurance policy will ensure that your cruise experience is as smooth and worry-free as possible.

What Do Cruise Travel Insurance Plans Cover?

While it’s essential to read the fine print of any insurance policy to understand what you’re safeguarded for, travel insurance companies generally offer at least three levels of protection: a basic travel select plan, a full coverage plan, and a mid-tier “middle of the road” policy. These plans typically cover the following aspects of your cruise vacation:

• Medical Expenses and Emergency Evacuation: Coverage for medical expenses incurred on the cruise and the cost of emergency evacuation.
• COVID-19: While most plans cover illness or cancellation due to illness from COVID-19, you may require a physician to prove your condition. It’s important to note that declining to travel due to fear of exposure to the illness is usually not covered unless you have “Cancel for Any Reason” coverage.
• Trip Cancellation Insurance: Protection against trip cancellations due to serious injury or illness.
• Emergency Travel Assistance: Access to a 24/7 helpline connecting you to experts who can help with unexpected travel issues wherever you are.
• Lost Luggage: Compensation for lost or delayed luggage.
• Travel Inconveniences: Also known as trip interruption coverage, this provides a one-time payment for significant delays or diversions you experience.

While most cruise insurance providers offer standard plans, they also provide optional and customizable elements to ensure you get the benefits and coverage you need. Regardless of the type of plan you choose, ensure your travel insurance company will reimburse you in cash rather than future cruise credit.

How Much Does Cruise Insurance Cost?

The cost of cruise insurance depends on several factors, including the countries you are visiting, the cruise line you are traveling with, the country and state you live in, the length of the trip, and your age. The level of coverage you select also significantly affects the cost.

Travel Insurance Cost Breakdown

• Destination: The countries you are visiting impact the cost because some destinations have higher medical costs than others. For example, cruises to the Caribbean typically have lower insurance costs compared to cruises to Europe or Asia, where medical care can be more expensive.
• Duration: The length of your cruise influences the price. Shorter cruises (e.g., a 3-day Caribbean cruise) will generally be less expensive to insure than longer cruises (e.g., a 14-day European river cruise) because there’s a shorter period during which something can go wrong.
• Age: Older travelers tend to pay higher premiums due to increased health risks. For example, a 30-year-old might pay significantly less for the same policy than a 65-year-old.
• Level of Coverage: Basic plans that include trip cancellations due to weather and lost luggage coverage may start less than $50 per person. More comprehensive plans that include medical evacuation, surgical costs, and extensive medical treatment can cost $800 or more for a couple opting for full deluxe plan coverage.
• Additional Options: Optional add-ons to cover adventure sports, rental cars, vacation rentals, pre-existing medical conditions, “Cancel for Work Reasons” (CFWR), and “Cancel For Any Reason” (CFAR) may increase your premium.

Cruise Insurance Saving Tips

• Bundle Insurances: If you are considering medical travel insurance along with trip cancellation, trip delay, and baggage insurance, definitely look into comprehensive travel insurance. Comprehensive plans with waivers for pre-existing conditions are typically more expensive, but essential for travelers with ongoing health concerns. You should also consider bundling your cruise insurance with other travel plans like flight insurance, accidental death / dismemberment, or rental car insurance. This can save you some money and streamline your coverage.
• Early Booking Discounts: Many insurance providers offer discounts for policies purchased well in advance. The earlier you purchase, the greater the likelihood of securing a lower premium.
• Annual Plans: If you travel frequently, an annual travel insurance plan might be more cost-effective than purchasing individual policies for each trip but be aware that most annual travel insurance have lower coverage options, such as pre-existing condition waivers.
• Compare Plans: Shop around and compare different insurance providers. Online insurance comparison tools can help you find the best deal tailored to your specific needs.

Whatever plan you choose, you’ll likely have to pay an excess, which will also influence the overall cost of your plan. By understanding the various factors and employing some practical tips, you can secure a comprehensive cruise insurance policy that fits your needs and your budget.

Where to Buy Cruise Insurance

You have several options when it comes to where to buy cruise insurance: directly through your cruise line, a travel agent, or an insurance provider. Each method has its own set of advantages and disadvantages.

Cruise Line Insurance: Buying insurance through your cruise line can be convenient, as it’s tailored specifically for your cruise and can easily be added to your booking. However, premiums might be higher, and coverage may be limited compared to only the cruise portion of your trip.

Travel Agent: Using a travel agent to purchase insurance can ensure you get the best policy to suit your needs, as they have in-depth knowledge of different insurers and policies. The downside is that travel agents likely have preferred providers, potentially limiting your choices.

Insurance Providers: Purchasing directly from an insurance provider often provides the broadest range of options and can result in lower premiums due to direct purchase. However, this requires extensive research to find a reputable provider that offers comprehensive coverage at the best price… but keep reading to learn our solution for that!

Should I Buy Insurance Through My Cruise Line?

Cruise lines make it very easy to add travel insurance (or “vacation protection”) to your reservation but it’s worth noting that coverage from cruise companies may be more expensive and may not be as comprehensive as what you would get from a dedicated travel insurance provider.

Since cruise insurance shouldn’t be one-size-fits-all, it’s important to thoroughly review the coverage that cruise line plans offer, including their limits for medical expenses, provisions for pre-existing medical conditions, and other non-refundable expenses you may incur from the trip. For example, if you’re flying to the cruise port, will it cover the cost of your flights, pre-cruise hotel, or rental car if you aren’t booking these through the cruise line and have to cancel your trip suddenly? This is especially crucial if you are planning to spend multiple days in a destination before or after your cruise.

Who Should I Get Cruise Travel Insurance From?

For the most comprehensive coverage, consider purchasing your cruise travel insurance from a reputable travel insurance provider rather than through your cruise line. There are numerous reputable cruise insurance companies, including major players like Nationwide Mutual Insurance Company, AIG, ING, and Seven Corners, who offer robust coverage to protect you from various potential issues, from medical emergencies to trip cancellations.

Researching all the different cruise insurance providers and plans they offer can be time-consuming. That’s why using InsureMyTrip can be a great idea. InsureMyTrip is a comparison tool that simplifies this process by comparing travel insurance plans from multiple insurers.

How InsureMyTrip Works

• Aggregates Multiple Plans: InsureMyTrip collects travel insurance options from various providers, making it easy to compare different plans side by side.
• Customizable Filters: Users can filter plans based on specific needs, such as medical expense limits, trip cancellation policies, and specific exclusions.
• User Reviews and Ratings: InsureMyTrip includes user reviews and ratings for each plan, helping you gauge the experiences of other travelers.
• Expert Advice: The platform offers expert advice and resources, including COVID-related travel advisories, to keep you informed of the latest updates and travel safety guidelines.

Benefits of Using InsureMyTrip

• Time-Saving: Instead of visiting multiple websites and sifting through numerous policies, InsureMyTrip consolidates everything in one easy-to-navigate interface.
• Best Deals: By comparing multiple insurance plans, you can find the best deal that offers the most comprehensive coverage for the lowest price.
• Informed Decisions: Detailed information and user reviews help you make informed decisions based on the experiences of others and expert recommendations.

Tips for Using InsureMyTrip to Find the Best Cruise Insurance

• Know Your Needs: Before you start comparing plans, have a clear understanding of what coverage you need. This includes medical coverage limits, cancellation policies, and specific exclusions.
• Use Filters: Take advantage of the customizable filters to narrow down your options based on your requirements.
• Read the Fine Print: Carefully review the details of each plan, especially the exclusions and limits, to ensure it meets your needs.
• Check Provider Ratings: InsureMyTrip displays the AM Best rating for each insurance company on their site. AM Best is the largest credit rating agency in the world specializing in the insurance industry.
• Check Reviews: User reviews and expert ratings can provide valuable insights into the reliability and customer service of the insurance provider.
• Ask Questions: InsureMyTrip has live chat and a toll-free number for you to ask questions about the policies they offer so if you aren’t sure, ask!

Using InsureMyTrip can provide specific and detailed information on booking the best cruise insurance for your needs, making the process of finding and securing comprehensive coverage easier and more efficient. Click this link to learn more and get a cruise insurance quote.

Compare cruise insurance plans now

By leveraging comparison tools and choosing reputable providers, you can ensure that you have the best cruise travel insurance to protect you and your investment.

Final Thoughts

Whether you are departing from bustling New York, the tropical Bahamas, vibrant Sydney, or the culturally rich Tokyo, taking out cruise insurance for your next trip across one of the Seven Seas is a wise and prudent decision. Although it requires an additional payment beyond the cost of the cruise, considering it as a necessary trip expense or part of your transportation costs will provide invaluable peace of mind before your vessel departs. The assurance that you are protected against a wide range of potential issues allows you to fully enjoy your vacation without constant worry about unforeseen circumstances.

When planning your cruise, there are several additional considerations to keep in mind that can influence your decision on which cruise insurance plan to choose. One crucial factor is the political stability of your cruise destination. Some regions might experience political unrest or instability, which could impact your travel plans. Ensuring your insurance policy covers trip cancellations or interruptions due to political events is essential for such destinations.

Healthcare quality at your cruise destination is another important consideration. While onboard medical facilities can handle minor issues, serious medical emergencies may require treatment at local hospitals. Research the healthcare standards of the countries you will visit and choose an insurance plan that includes comprehensive medical evacuation coverage. This ensures you can be transported to a facility that meets your needs if required.

Environmental risks also play a significant role in cruise planning. Destinations prone to natural disasters such as hurricanes, earthquakes, or volcanic eruptions can pose a threat to your trip. Make sure your insurance plan covers natural disaster-related cancellations, delays, or interruptions. Additionally, look into whether your policy includes provisions for unexpected environmental hazards, such as air quality issues or water contamination, which could affect your travel plans.

Ultimately, it’s worth doing your homework, comparing plans, and assessing the risks of not having trip cancellation coverage or having to pay out-of-pocket for a trip delay. The last thing you want is to have your cruising experience ruined because you didn’t take out common carrier connection coverage or trip interruption insurance, leaving you with a hefty bill to cover. By carefully considering these factors and using the checklist to guide your decision-making process, you can select the best cruise insurance plan to suit your needs, ensuring a smooth and enjoyable journey.

Taking these steps will not only safeguard your financial investment but also allow you to focus on the excitement and adventure that awaits on your cruise. With the right insurance policy in place, you can set sail with confidence, knowing that you are prepared for whatever the journey may bring.

Purchase cruise insurance now

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Cruise travel insurance: What it covers and why you need it

What does cruise travel insurance cover? And does it pay to buy cruise travel insurance?

The answer is not always clear-cut, as we'll discuss in this guide. But consider this: It's not always smooth seas when it comes to cruising. Even the best-laid plans for a cruise vacation can sometimes be thrown off course by an unexpected event.

You might need to cancel a cruise in advance due to the sudden onset of an illness, such as COVID-19 or the flu. Or, maybe you fall ill during the cruise and need emergency medical attention. Maybe your flight to your ship gets canceled, and you miss the vessel's departure. Or your ship is late arriving in port at the end of a voyage, and you miss your flight home.

In all of these situations, you might benefit from having cruise travel insurance — keyword "might."

Cruise insurance policies vary widely, and not every policy covers every type of mishap. That's why it always pays to read the fine print in a travel insurance policy before you purchase it to know what you're getting in advance.

It's also why you should read this introduction to everything you need to know about cruise insurance. It has many details, but the next time something unexpected happens on your cruise vacation, you'll be glad to be educated and covered by a comprehensive travel insurance policy.

What does travel insurance cover when you cruise?

The typical cruise insurance policy covers a wide range of circumstances that can go wrong in conjunction with a vacation at sea — both before and during the sailing.

For starters, policies often will reimburse you for the cost of canceling a cruise due to a last-minute crisis. They will also often cover costs related to an interruption of a cruise (maybe your ship breaks down, requiring you to fly home mid-voyage ). These two elements are known as trip-cancellation and trip-interruption insurance, and they are bundled into a typical travel insurance policy.

Some policies will also cover out-of-pocket costs related to a flight delay or cancellation that results in you missing your cruise departure (for instance, the cost of catching up to the ship at its next port). Expenses related to baggage delays and loss are often covered as well.

But perhaps most importantly, many travel insurance policies will cover medical expenses you incur while on a cruise. Some will even cover the cost of evacuating from a foreign destination if you are in the midst of a medical crisis.

Travel insurance giant Allianz Global Assistance reports that 53% of all cruise-related "billing reasons" for claims are because of illness for the insured person, while 14% are for an injury. Another 8% are for the illness of a family member, 4% for the death of a family member and 4% for the illness of a traveling companion, among other reasons.

Those percentages include illness and accidents that happen to cruisers just before a trip, making travel impossible. But, in many cases, such claims result from illness and injuries that occur during voyages.

"People often take risks during vacation that they might not take back home, whether riding a jet ski, zipping around on a motorized scooter in a city they don't know well or hiking unfamiliar terrain," James Page, senior vice president and chief administration officer of AIG Travel, told TPG .

Some policies also cover the financial default of a travel provider. In such cases, if your cruise line goes out of business before you sail, you could get all — or at least some — of your money back.

Cruise travel insurance policies don't cover everything. For instance, standard travel insurers generally will not reimburse you for the cost of a cruise you cancel due to worries about an outbreak of an illness. That's true even if a U.S. government agency such as the U.S. Centers for Disease Control and Prevention issues a recommendation that you don't cruise due to an illness outbreak, as it did during the COVID-19 pandemic .

If you want the ultimate flexibility to cancel for such a reason or any other, you'll want to look into a more expensive cancel for any reason travel insurance upgrade.

Related: Avoiding outbreaks isn't covered by most travel insurance policies

Where to find a cruise travel insurance policy

You can buy a travel insurance policy directly from your cruise line when booking your trip or through your travel agent (if you're using one, which often is a good idea when booking a cruise). You also can go directly to a third-party travel insurance provider or a travel-insurance aggregator site, such as InsureMyTrip or TravelInsurance . Your credit card might even give you some travel protections.

Here's what you need to know about each type of cruise travel insurance.

Third-party insurance companies

Third-party insurance companies that specialize in writing travel insurance include AIG Travel, Allianz Travel Insurance, Travelex Insurance and American Express Travel Insurance.

One reason to use a travel agent or a travel aggregator: They can help you find a policy that offers added coverage specific to cruising.

Related: The Points Guy's guide to the best travel insurance companies

"Many plans now offer benefits that will specifically appeal to cruise travelers, such as missed connection, missed port-of-call and cruise disablement coverage," Stan Sandberg, cofounder of TravelInsurance.com, said.

Missed connection coverage reimburses cruisers for a set dollar amount if they need to rebook travel to catch up with their cruise at the next port. Missed port-of-call coverage pays a benefit if the cruise ship misses a scheduled port of call due to weather, a natural disaster or a mechanical breakdown.

Cruise disablement coverage pays a benefit if the traveler is confined on a ship for more than five hours without power, food, water or restrooms.

As noted, policies vary widely. It's a good idea to compare plans and make sure the one you buy has the elements that are most important to you. One size doesn't fit all.

Credit cards with travel benefits

Some premium credit cards offer valuable travel protections comparable to what you might get from a standard travel insurance plan. For example, the travel insurance provided when you pay for travel with select cards can reimburse you for expenses if your baggage is damaged, you're stranded overnight due to a flight delay or cancellation, or you have to return home to handle a family medical emergency.

The Chase Sapphire Reserve card, for example, offers trip delay reimbursement, trip cancellation and interruption insurance, emergency medical coverage and even medical evacuation coverage , among other benefits. And yes, cruise lines are considered common carriers just like airlines.

If you're planning to rely on a card like the Chase Sapphire Reserve or The Platinum Card® from American Express * (among others) for travel insurance, just be sure to recheck your card's benefits and limits carefully against regular travel insurance. You must pay for at least part — and sometimes all — of the trip with that credit card to take advantage of its protections.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

Related: The best credit cards for booking cruises

Find out if your credit card protection includes travel accident insurance or covers preexisting medical conditions, and figure out when it will pay you back. Other questions to ask: What are the coverage limits? Will you have to pay for a foreign hospital bill upfront and then seek reimbursement later?

Cruise lines

Cruise lines often ask consumers booking a cruise to buy the line's own protection at the time of purchase. If specifics about the coverage are lacking, always ask the line for details in advance, review coverage perks and limits; then, compare those to one or two independent travel insurance policies or your credit card's insurance benefits.

Related: A beginners guide to picking a cruise line

Cruise line travel insurance policies sometimes have quirks. Many cruise companies will only offer a travel voucher or credit for future use in the event of a covered cancellation, not an outright refund.

Also, financial default may not be a covered event in a cruise line-sold policy, but it's typically covered with plans from third-party travel insurance companies.

Cruise line policies also can be more restrictive.

"Cruise line insurance seems to have become better and has more widespread coverage than in the past, but it typically won't cover air or pre- and post-travel [arrangements] unless those elements are purchased through [the line]," said Debra Kerper, a Cruise Planners travel adviser from Carrollton, Texas, who books travel and sells private insurance. "This is when private insurance coverage becomes so very important."

How much does cruise insurance cost?

Expect to pay anywhere from 4% to 8% of your total prepaid, nonrefundable trip expenses for a travel insurance policy. That's a wide range, we know, but it reflects the wide range of products out there.

You'll also find some basic plans that cost even less than 4% of your trip expenses, while some super-premium plans that cover just about any conceivable issue can cost as much as 12% of your trip expenses.

Related: What's included in your cruise fare?

All reputable insurance companies will offer a "free-look period" during which you can receive a 100% refund on your premium. This allows you to review the policy you've selected and return it for any reason within the period allotted — usually for a small administration fee of less than $10.

Under normal circumstances, you don't need to purchase a so-called "cancel for any reason" add-on to your cruise travel insurance policy unless you really need the flexibility. The upgrades are significantly more expensive.

You can receive a quote and purchase a policy online in minutes with any credit card. Although you may think travel insurance should code as "travel" when paid on a credit card and thus be eligible for bonus points on certain cards, that isn't always the case. Your points earnings will depend on the individual underwriter's merchant code. When in doubt, expect the purchase to fall under the insurance category for earnings.

Should I buy travel insurance for a cruise?

Whether you buy travel insurance is a personal decision that will depend on many factors. Would you be willing to absorb the loss of canceling a cruise on short notice due to an illness or accident? Could you afford an evacuation flight from a far-off port if you suddenly became seriously ill? Only you can answer those sorts of questions.

Here are some things to consider as you make that decision.

You might not be covered by regular medical insurance while cruising

If you're a U.S. citizen traveling internationally (which will be the case for most cruises), you may find that most private medical insurance plans in the U.S. won't cover you.

Additionally, Original Medicare only covers people traveling outside U.S. borders in limited circumstances.

While certain Medicare Supplement Plans do have some foreign emergency medical benefits, not all do. Be sure to talk to your Medical Supplemental Plan provider to see if you're covered, what's covered, what the limits are and how the bill is paid.

Also note that, in some countries (particularly those in Central and South America), travelers may not be discharged from a hospital until their bill is paid in full.

Related: Trip wrecked: 7 ways to prepare for any kind of travel disaster

Plus, if you have a medical incident overseas, you could find yourself stuck in a shared hospital room without air conditioning or a private bathroom. The level of care may not be what you expect.

"For people traveling internationally, it's crucial to know beforehand where to go for any treatment … and how they're going to pay for that treatment," Page said.

Getting evacuated for a medical condition is expensive

Most airlines won't accept seriously ill passengers, those carrying bulky medical equipment or those requiring a full medical team.

Even a low-cost weekend getaway on a cruise to the Bahamas out of Miami can turn costly if you suffer a serious accident or illness requiring medical treatment or an emergency medical evacuation.

Related: Do cruise ships have doctors, nurses, medical centers or hospitals?

Being flown back to the U.S. from a far-flung overseas location in a private, medically equipped aircraft, with a professional medical team on board, can run between $70,000 and $180,000, according to Mike Hallman, president and CEO of Medjet, a medical transport membership company.

"Domestic transports, which we cover as well, can cost upwards of $30,000," Hallman said.

Without proof of medical evacuation coverage, foreign providers will also want that money upfront. Hallman said that regular travel insurance will typically get you to an acceptable overseas hospital and even to a higher-level care facility if "medically necessary." Alternatively, medical evacuation coverage means you can fly home to your own hospital, doctors and family — without claim forms, cost caps on transports or surprise bills.

The tandem approach — buying both travel insurance and a separate medevac transport membership — is a good option, Hallman said.

"We always recommend travel insurance, as it covers trip interruption, which is important, as well as medical coverage for the hospital and treatment costs," he said. "We pick up where they leave off."

You can't predict the weather

Cruising is a great way to explore multiple destinations in one trip. But it's good to remember that unexpected delays, interruptions or cancellations due to weather can happen during cruises, particularly during hurricane seasons in places such as the Caribbean and Asia (where hurricanes are called typhoons).

During a typical hurricane season (June 1 to Nov. 30), Allianz pays about 6,000 claims from customers whose travel plans in the Caribbean, Gulf of Mexico and southeastern U.S. are affected by the storms, according to a spokesperson for Allianz Global Assistance USA.

If you're hoping to insure against a storm-related disaster, it's good to buy travel insurance as early as possible. Once a storm or hurricane is named, it's too late to buy travel insurance to cover it.

Of course, cruise lines will move ships away from a weather threat. When the port lineup is adjusted or the cruise shortened, the company will offer the guest an onboard credit, onboard gift or future cruise credit rather than any refund. It depends on the circumstances of that specific voyage. You won't be able to make a claim on your cruise travel insurance policy just for a minor itinerary change .

Related: Everything you need to know about cruising during hurricane season

Costs can mount quickly when things go wrong

Even if the cruise line does provide a full or partial refund or cruise credit for an itinerary change or some other interruption, travelers could have to swallow the cost of other travel elements not purchased through the line. That could include nonrefundable flights , prepaid resort or hotel nights, nonrefundable tour fees and more.

Travel insurance can cover those, plus help with flight delays or cancellations, baggage loss or theft.

If a winter storm causes you to miss your flight to where the ship is boarding , "travel insurance could help you get to the next port to join the cruise, so you don't miss your entire trip," Page said.

In fact, 13% of "billing reasons" for claims to Allianz are for common carrier delays (such as a flight delay), while weather and natural disaster-related claims account for about 3%.

The government probably won't bail you out

While cruise ships have medical facilities, they're usually not equipped to treat serious illnesses. If you experience a serious medical problem on a vessel, you may have to get off the ship in a foreign port to seek treatment at a hospital. In such a case, if you don't have medical evacuation insurance, you may then find yourself stranded in that port awaiting a medical evacuation.

Don't expect Uncle Sam to step in and help foot the bill.

The U.S. Department of State's Bureau of Consular Affairs clearly states the importance of buying travel insurance.

"The U.S. government does not provide medical insurance for U.S. citizens overseas," the bureau says on the website. "We do not pay medical bills. You should purchase insurance before you travel."

You may need more assistance than you think

If you're injured or become severely ill during a cruise, especially in a foreign country, it may be difficult to access help without the assistance of trained professionals that comes with many insurance plans.

Many travel insurance companies provide around-the-clock assistance with locating overseas clinics and pharmacies, getting to a doctor or hospital, refilling lost or depleted prescriptions, assisting with up-front payments to hospitals, and arranging flight changes so you can get home.

Travel insurance companies also can arrange for an air ambulance, a nurse escort, oxygen and a lie-flat seat on a flight home if your medical condition warrants it.

You want to be careful if you have preexisting conditions

When you cruise, it's important to be fully covered, which means having comprehensive medical coverage that includes any preexisting conditions. Otherwise, if you head into a doctor's office overseas, have any tests completed, or visit an urgent care center or emergency room, you might not be covered.

Here, timing is extremely important. Cruisers seeking coverage of preexisting conditions, as well as cancel for any reason insurance, generally must book within seven to 21 days of the first payment they make for a trip. The timing varies by insurer.

Bottom line

Cruise insurance isn't for every traveler — or even for every sailing. It's not inexpensive. However, it can bring a lot of peace of mind if you're about to head out to sea. Do your homework, compare plans and always assess the risks.

Planning a cruise? Start with these stories:

• The 5 most desirable cabin locations on any cruise ship
• The 8 worst cabin locations on any cruise ship
• A quick guide to the most popular cruise lines
• 21 tips and tricks that will make your cruise go smoothly
• Top ways cruisers waste money
• 12 best cruises for people who never want to grow up
• The ultimate guide to what to pack for a cruise

MarketWatch Guides is a reviews and recommendations team, independent of the MarketWatch newsroom. We might earn a commission from links in this content.  Learn More

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

Best Cruise Insurance Plans of 2024

• Based on the  MarketWatch  Guides industry-wide review of the travel insurance policies,  Nationwide, Faye and Allianz offer the best cruise insurance.
• Cruise insurance can help protect your vacation by reimbursing prepaid, nonrefundable expenses in unexpected situations such as emergency medical bills and costs related to baggage loss.
• Our team evaluated 64 cruise plans to identify the top options for your next cruise. We score plans based on cruise-specific options, average cost, policy coverage, medical coverage and evacuation limits.

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Kelly Larson is a senior editor with 14 years of experience creating and optimizing data-driven, reader-focused digital content. Kelly enjoys running and exploring the outdoors with his sons.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

The Best Cruise Insurance Plans for 2024

To determine the best cruise insurance options for our review, we collected several sample quotes, carefully examined policy and coverage details, and evaluated providers with specialized cruising plans. Our thorough research found that the following travel insurance companies provide the best cruise insurance plans in the industry.

Here are our top picks for the best cruise insurance companies:

• Nationwide Travel Insurance: Our top pick
• Allianz Global Assistance: Best for concierge services
• AIG Travel Guard: Best for families
• Berkshire Hathaway Travel Protection : Best for luxury travelers
• Travelex Insurance : Best for budget travelers
• Trawick International : Best for student travel insurance

How We Picked the Best Cruise Insurance Companies

To recommend the best providers to our readers, we looked for the following factors when evaluating coverage options for cruise insurance:

• Cruise-specific plan options: Our team sought out travel insurance providers that offer cruise-specific plans with coverages not found on standard policies, such as shipboard service disruption coverage, prepaid excursion reimbursement and more.
• Medical coverage: This protection helps pay for medical care at a local facility if you’re injured on your cruise. Companies with more generous medical coverage limits ranked higher in our roundup.
• Medical evacuation: We prioritized companies offering higher medical evacuation coverage, which can benefit you depending on how long and far you are from a port while on the cruise ship.
• Coverage maximums: We considered whether a provider offered higher-value coverage options for travelers planning longer trips or opting for an all-inclusive luxury package.
• Cost: We requested sample quotes from dozens of travel insurance providers and compared price and coverage options to determine the insurer offering the best values.

Nationwide Travel Insurance

Why we picked nationwide for cruise insurance.

After earning 4.6 out of 5 stars when rated using our travel insurance methodology, we chose Nationwide as one of the best cruise insurance options for these reasons:

• Nationwide offers plans specifically for cruises with benefits such as shipboard service disruption, prepaid excursion reimbursement and missed connection benefits.
• Cruise-specific policies include medical and non-medical evacuation coverage.
• Nationwide covers up to 100% of your total trip costs for a covered cancellation and up to 150% of your total costs for trip interruption.

Pros and Cons

Offers multiple plans specifically for cruising

Provides coverage for cancelation for work on all plan types

Gives travelers 10 days to request a refund

CFAR coverage is not available as an add-on with the Basic Cruise plan

Medical coverage is secondary to your primary health insurance plan

Allianz Global Assistance

Why we picked allianz for cruise insurance.

Allianz earned 4.1 out of 5 stars when rated using our travel insurance methodology, and we chose it as one of the best cruise insurance options for these reasons:

• Allianz extends free coverage for children 17 and under when you choose the OneTrip Prime plan, which can be ideal for families cruising together.
• Epidemic coverage includes trip cancellation, interruption, travel delays, emergency medical care and emergency transportation.
• Trip change protector coverage can reimburse you the fees or extra expenses incurred if you need to change your cruise itinerary for a reason listed in your policy.

Coverage limits are per insured, not in total

Offers CFAR and rental car protection upgrades

Free coverage for children 17 and under with the OneTrip Prime plan

Limits emergency medical coverage to $50,000 per insured

Coverage is pricier than our other recommended plans, according to our research

AIG Travel Guard

Why we picked aig travel guard for cruise insurance.

AIG Travel Guard earned 4.6 out of 5 stars when rated using our travel insurance methodology, and we chose it as one of the best cruise insurance options for these reasons:

• If you or your traveling companion lose your life or limbs during your cruise, AIG Travel Guard offers non-flight accidental death and dismemberment (AD&D) coverage.
• AIG’s Preferred Plan includes one free child aged 17 and under with each paying adult on your policy.
•  You’ll find an array of policy add-ons with AIG such as CFAR coverage, adventure sports coverage, pet coverage and more that can offer you additional protection.

Travel inconvenience benefits reimburse you for cruise diversions

Includes coverage for one child 17 and under with each paying adult

Offers non-flight AD&D coverage

Limits travel medical coverage to $50,000

Optional coverages don’t apply to free coverage for children

Berkshire Hathaway Travel Protection

Why we picked berkshire hathaway for cruise insurance.

Berkshire Hathaway earned 4.6 out of 5 stars when rated using our travel insurance methodology, landing a spot on our best cruise insurance due to the following:

• WaveCare® covers up to 100% of your total trip costs for covered cancellations and 150% of your total trip costs for covered interruptions.
• Berkshire Hathaway’s cruise-specific plan offers coverage beyond the norm, including cruise disablement, cruise diversion and river cruise diversion coverage.
• WaveCare® provides coverage for emergency evacuation and repatriation up to $750,000.

Covers cruise-specific events such as ship disablement and cruise diversion

Provides 24/7 access to emergency assistance services

Provides 15 days since purchase for full refund on policy

Offers affordable coverage compared to other providers on our list

Caps medical expense coverage at $75,000

No CFAR coverage add-on available with WaveCare®

Why We Picked Travelex for Cruise Insurance

Travelex earned 4.7 out of 5 stars when rated using our travel insurance methodology — the highest score out of all providers we’ve reviewed. It landed a spot on our best cruise insurance list for the following reasons:

• Travelex offers some of the most affordable plans of the providers on our list, and allows parents to extend coverage to their children for a slightly higher rate.
• Add-on coverages available through the Travel Basic plan include car rental collision coverage and flight accidental death and dismemberment (AD&D).
• The Travel Basic policy has no deductible and is considered a primary coverage plan.

Plans include 24/7 travel assistance

Offers a 15-day money-back period after purchasing a policy

Provides the most affordable plan in our review

No CFAR add-on coverage available with Travel Basic

Caps trip interruption benefits at 100%

Trawick International

Why we picked trawick international for cruise insurance.

We awarded AXA Assistance USA a rating of 4.5 out of 5 stars. We’ve included it on our list of the best cruise insurance providers for these reasons:

• The Safe Travels Voyager plan, marketed as Trawick’s most popular cruise insurance coverage, includes 30 covered reasons for trip cancellation.
• Trawick offers various optional add-on benefits, such as CFAR coverage, 24-hour AD&D, trip interruption for any reason (IFAR) coverage and more.
• Trawick provides a stipend for a hospital companion to evacuate with you during a medical emergency.

Provides $1 million in medical evacuation coverage with the Safe Travels Voyager plan

Covers the emergency evacuation of a hospital companion

Offers optional CFAR coverage of up to 75% of your trip costs

Some plans only available to U.S. citizens and residents

Caps evacuation coverage for your hospital companion at $1,000

What To Look For in Cruise Insurance

According to the Cruise Lines International Association (CLIA) 2023 State of the Cruise Industry Report , cruising continues to be one of the fastest-growing sectors of tourism, with a projected 36 million people choosing a cruise vacation in 2024. While purchasing travel insurance to cover your cruise vacation is a personal decision, there are some coverages to look for that can enhance your policy.

• Travel medical insurance : If you’re worried about illnesses or potential injuries during your cruise, travel medical insurance covers medical expenses up to a maximum amount.
• Emergency medical evacuation coverage : If you suffer a medical emergency and require transport to a hospital while at sea, emergency medical evacuation coverage can help cover expenses associated with transport.
• Trip cancelation insurance : If you’d like to recoup any prepaid, non-refundable travel expenses if you need to cancel your trip, trip cancelation insurance can reimburse you if the event is covered under policy terms.
• Trip interruption insurance : If your trip is cut short for a reason covered with your travel insurance policy, trip interruption coverage can provide reimbursement for any unused travel expenses.
• Cancel for any reason (CFAR) coverage : If you’re concerned about canceling your trip for a reason not listed under a policy’s coverage terms, consider cancel for any reason (CFAR) coverage , which allows you to cancel your trip for virtually any reason.

Travel medical insurance is especially worth considering if you’re cruising abroad, as domestic healthcare may provide limited to no coverage out of the country.

If you’re looking at plans explicitly marketed for cruises, you may find unique benefits like cruise diversion, disablement and prepaid excursion reimbursement. Other benefits to look for with a cruise insurance policy include travel delay coverage, baggage insurance and missed connection coverage. If you’re worried about coverage for pre-existing conditions or COVID-19, check if a plan offers these protections as you shop around.

Compare The Best Cruise Insurance Plans

See the table below for a direct comparison of our picks for the top cruise insurance plans, including average costs, our recommended plan and CFAR coverage amounts.

What Is Cruise Insurance and How Does It Work?

Cruise insurance is synonymous with travel insurance, and it can be any policy that offers the coverage you’re looking for to protect your trip expenses. While some providers offer plans marketed toward cruisegoers, many standard, comprehensive travel insurance policies provide coverages worth considering for cruise protection.

A cruise insurance policy works just like travel insurance. Your policy will cover you for the duration of your cruise and can cover a single person or a whole family. When a covered event occurs, you’ll file a claim with your chosen provider for reimbursement of expenses or financial losses. Note that all cruise insurance policies have exclusions, so read the fine print of your plan before you purchase it.

What Does Cruise Insurance Cover?

Depending on your choice of plan, cruise insurance can provide the following coverages:

Travel medical insurance can cover your medical bills if you get ill or injured on your cruise and need medical attention.

Emergency medical evacuation coverage can provide transportation or evacuation to a medical facility from your cruise ship.

Trip cancellation coverage can compensate you for non-refundable expenses if you cancel your trip for a reason covered by your policy.

If you need to cut your cruise short, trip interruption coverage can provide reimbursement for any unused, non-refundable expenses.

If your travel carrier delays your trip, you can receive reimbursement up to a set amount as outlined in your policy.

If your baggage is damaged, stolen, missing or delayed during your trip, baggage loss and delay coverage can reimburse you for the items you packed in your luggage.

In addition, some cruise insurance plans offer coverages exclusively tailored to cruisegoers, such as cruise disablement coverage, prepaid excursion reimbursement, missed connection benefits and non-medical evacuation coverage. 

According to our research, you’ll also likely have access to a 24/7 hotline for travel emergencies — we’ve found this is a standard provision among travel insurance companies. If you’re looking for pre-existing condition coverage, many providers offer a waiver if you buy your coverage within a specific time frame from your initial trip deposit.

Is Cruise Insurance Required?

While cruise insurance isn’t typically legally required, it can be worth considering if you don’t want to risk your investment in your cruise booking. However, it’s best practice to check with your specific cruise line about any outstanding requirements around travel insurance. Even if travel insurance isn’t required, having coverages such as travel medical, trip interruption and trip cancellation cruise insurance can give you the peace of mind to enjoy your cruise fully.

When You Should Buy Cruise Insurance

If you plan on purchasing cruise insurance, it’s worth considering as soon as possible. For example, if you’d like emergency medical coverage through your cruise insurance policy to cover any pre-existing conditions, most travel insurance providers require you to purchase a policy within a certain number of days from when you make your first payment toward the cruise. You may not qualify for this waiver if you wait until the last minute to purchase your plan.

If your cruise is fast approaching and you’d still like to buy a policy, our research has found that some providers offer plans that can be purchased as late as 24 hours before your trip.

How Much Does Cruise Insurance Cost?

According to our analysis, the average cost of cruise insurance is $242. However, we found that the cost ranges from $81 to $500 and heavily depends on the total trip cost and age of the traveler.

The cost of cruise insurance can vary between customers. Your age, trip length, trip cost, plan type, number of travelers and destination all impact the overall premium you will pay. According to our research, trip cost, and age impact cost the most, with older travelers typically paying much more than younger travelers for the same trip.

The best way to determine what you will pay for your coverage is to get a quote. According to data from Berkshire Hathaway, you can expect to pay between 5% and 10% of your total cruise vacation price for insurance.

To help you get a better idea of what you might pay for cruise insurance, we requested multiple quotes from the providers in our review using various sample traveler profiles. The table below summarizes our findings:

To calculate costs, we collected quotes for each of the following trips and traveler profiles:

• 70-year-old couple taking a $3,000, seven-day cruise in Mexico
• 65-year-old taking a $1,200, five-day cruise in the Bahamas
• 34-year-old couple taking a $6,000, seven-day cruise in Greece
• 21-year-old taking a $900, five-day cruise in the Caribbean

How To Buy Cruise Insurance

You can purchase cruise insurance online and at your convenience. If you’d like to speak with a customer service representative about any questions or concerns about a policy, most travel insurance companies provide a phone number and contact information at the top of their website.

To start gathering quotes, head online to the quote portal of the company of your choice. For this example, we’ll walk you through getting a quote with Nationwide, our top pick for cruise insurance. We were asked to provide some trip details and personal information right away, such as our cruise line, destination, travel dates, total trip costs and more.

Once you’ve provided the information needed, you’ll be taken to your plan choices and their associated costs. Like many other cruise insurers, Nationwide offers a sample plan contract for you to read through, as well as coverage details to help you fully understand what’s covered or excluded with your policy.

After making your plan choice, you’ll need to provide more information on you and your traveling companions. From there, you’ll be able to finalize your purchase and be ready to cruise with protections in place that can help you navigate unexpected situations. While every cruise insurer’s purchasing process won’t look exactly the same, most follow the same format and will require the same information to purchase a policy.

Can You Buy Cancel For Any Reason Insurance for Cruises?

In short, yes, you can purchase travel insurance with cancel for any reason (CFAR) add-ons for a variety of travel insurance companies and plans. Cancel for any reason, coverage often time won’t cover the full value or price of your trip, but if you need to cancel for whatever reason, it is better to have some degree of coverage and get a partial refund than have to lose out on a trip and the monetary value behind it. Below is a list of CFAR coverage amounts for our recommended cruise travel insurance providers.

Is Cruise Insurance Worth It?

Determining whether cruise insurance is worth it is a personal decision. Cruises can get expensive quickly, so if you’re embarking on a 14-day international cruise that you’ve spent months saving up for, you may prefer to protect your investment. Spending a fraction of your total cruise expenses on insurance can help prevent you from forfeiting the entire cost of a non-refundable trip should the worst happen.

According to our 2024 travel insurance survey, of the 165 respondents who bought a policy for an upcoming cruise, 97% claim that travel insurance is worth it, with the majority citing peace of mind as the reason.

Angela Borden, a product marketing specialist at Seven Corners, noted that “When you’ve made a financial investment in your trip or need to protect your health when you travel, travel insurance is 100% worth it.” She also pointed out that coverage can help you recoup your expenses if the unexpected happens. 

“Travel insurance can also reimburse you if your belongings are lost, stolen, or damaged and you need to replace them during your trip,” she added. “Again, that’s a financial savings you would have missed out on if you didn’t have travel insurance.”

If you are unsure whether cruise insurance is worth it, we recommend getting a quote from our highlighted insurance providers before you set sail.

Frequently Asked Questions About Cruise Insurance

What should cruise insurance cover.

Cruise insurance should provide you with 100% coverage for trip cancellation and at least 100% trip interruption coverage. Your policy should also include baggage loss, trip delay coverage, medical care and emergency evacuations. 

When should I buy trip insurance for a cruise?

While your trip insurance cost might not increase if you buy a policy at the last minute, it’s best to buy coverage as soon as you make your initial trip deposit. Most insurance companies only allow you to add CFAR coverage a few days after you make your first trip payment. If you’re considering this insurance add-on, buy coverage as soon as possible. 

Do I need special insurance for a cruise?

Whether you need travel insurance specifically for cruises depends on the provider. While some travel insurance companies specify that policies provide coverage even if you’re on a cruise, others may exclude cruises from standard travel plans. For this reason, it’s best to check the terms of your coverage before purchasing a policy. 

Some companies, like Nationwide and Berkshire Hathaway, offer cruise-specific protection plans in addition to standalone travel insurance policies.  

What are the benefits of cruise insurance?

There are multiple benefits to investing in a cruise insurance policy. Cruise insurance provides you with money back for nonrefundable trip expenses, which can help you recoup a portion of your costs if you need to cancel at the last minute. Cruise insurance also provides protection when you’re on a boat and visiting international ports of call, with medical insurance coverage and compensation for travel expenses if you’re forced to evacuate during your vacation.

Does cruise insurance include COVID-19 coverage?

Travel insurance policy purchases have spiked since the COVID-19 pandemic. Most travel policies consider COVID-19 the same as any other illness, which means you may be entitled to use your insurance benefits if you’re hospitalized or cannot travel due to COVID-19. However, this also means that the fear of catching a new COVID strain will not entitle you to use your cruise insurance. 

If you’re concerned about the effect of the coronavirus pandemic on your vacation plan, consider upgrading to CFAR coverage.

More Travel Insurance Guides

• Best COVID-19 travel insurance companies
• Best travel insurance companies
• Cheapest travel insurance
• Best group travel insurance companies
• Health insurance for visitors to USA
• Best senior travel insurance
• Best travel insurance for families
• Best student travel insurance plans
• Travel insurance for parents visiting the USA
• Best travel medical insurance plans
• How much does travel insurance cost?

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

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• Cruises Under $300
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Answered: How Much Does Cruise Insurance Cost?

Note: Cruzely.com nor the author are an insurance professional. Be sure to review any policy and ask your insurance company any questions you might have.

We are an affiliate of InsureMyTrip, linked below. We receive a small commission if you buy travel insurance through the links included in this article, at no cost to you.

You just spent thousands on an amazing cruise that you can’t wait to go on. Then you spent hundreds more for a flights to Miami to set sail and a hotel room the night before.

Then, the unfortunate happens. A week before your trip you get hurt in an accident and there’s no way you can make it. Sure you can cancel your trip, but being so close to your departure date, you’re likely to get dinged with cancellation penalties that eat away at your refund.

In other words, you’re out a lot of money, with no trip to show for it.

Or what if you get hurt or sick on your cruise? Or what if you miss it altogether because your flight gets delayed? Or what if your luggage gets lost in transit?

All of these scenarios aren’t meant to scare you. They are meant to show you how travel insurance for your cruise can come in handy. In these scenarios travel insurance can cover you, providing compensation for any money out of pocket you lost.

Why We Think Cruise Insurance is Important, Yet Some People Don’t Buy

In fact, you might be surprised at what travel insurance for your cruise can cover. From having to cancel your cruise for certain reasons, being delayed and missing the ship, getting hurt or sick and requiring medical attention, or even having an emergency that cuts your trip short, insurance can cover you in many cases.

You can even buy some plans that allow you to cancel your trip for any reason at all and still be compensated.

Many cruise passengers forego insurance, however. For one, they think that they don’t need it. It is true that most of the time you won’t need or use cruise insurance. Most trips go off without a hitch. But just like health or car insurance, having it when there is an incident is invaluable.

We think others don’t buy insurance because they believe it costs too much. What’s surprising is how affordable it can actually be to insure your cruise.

The rule of thumb we’ve always followed is that travel insurance should cost between 5-7% of your cruise. So for a $3,000 trip, they say you can expect to pay between $150 and $210.

That’s not chickenfeed, but it’s also a relatively affordable price to pay for some peace of mind.

Pricing Out Cruise Insurance

We wanted to see just how true that 5-7% actually is. To investigate, we used a site called InsureMyTrip.com . InsureMyTrip is a travel insurance broker. With one search, you can get prices from numerous companies to insure your trip. It’s like Google for travel insurance.

We recently ran several scenarios to see just how much cruise insurance actually costs. All searches were for a week-long Caribbean cruise for two people and only looking at policies that provided comprehensive coverage. This includes cancellation coverage, emergency medical coverage and medical evacuation coverage.

Keep in mind that just like other forms of insurance, you can dial up or down the level of benefits. So with lower benefits you can expect lower prices.

Here are the results:

As you can see, prices vary much more than the 5-7% range. We found that depending on age and the level of coverage you select, it can range anywhere from 3% of your trip cost to more than 12% of trip cost.

The variance has a lot to do with coverage levels. Just as with car insurance, bare-bones travel insurance is much cheaper than premium plans, but comes with a lower level of coverage. We recommend studying a couple of mid-priced plans to see their coverage levels before automatically going with the cheapest plan.

Do I Have to Sail With Insurance?

In the vast majority of cases, travel insurance for your cruise is optional . If you don’t want to spend the money, you don’t have to. Some cruise lines, however, do require coverage if you sail unvaccinated (at least for the time being).

Apart from that, the decision whether or not to purchase insurance is up to you. Personally, we like to have some protection when the price of the cruise starts to run into the thousands of dollars or we will be sailing for more than four days. In this case, it’s nice to have some peace of mind should anything happen. 

To find the best deal on travel insurance, we suggest using a site like InsureMyTrip.com . This site can search several different insurers at once so you can compare multiple quotes, see how much your cruise insurance might cost, and everything that it covers. Get a free quote here .

For more details on buying cruise insurance, be sure to read our guide on the topic .

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Cruise Line Shareholder Benefit Questions & Answers (How Much, How to Get It, and More)

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The Best Travel Medical Insurance of 2024

Allianz Travel Insurance »

Seven Corners »

GeoBlue »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

• Allianz Travel Insurance: Best Overall
• Seven Corners: Best for Families
• GeoBlue: Best for Expats
• WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

• Up to $50,000 in emergency medical coverage
• Up to $250,000 in emergency medical evacuation coverage
• Up to $2,000 in coverage for baggage loss and damage
• Up to $600 in baggage delay insurance
• Up to $1,000 for travel delays
• Up to $10,000 in travel accident insurance
• 24-hour hotline assistance
• Concierge services

SEE FULL REVIEW »

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

• Up to $5 million in comprehensive medical coverage
• Up to $500,000 in emergency evacuation coverage
• Up to $10,000 in coverage for incidental trips to home country
• Up to $25,000 in coverage for terrorist activity
• Up to $500 in accidental dental emergency coverage
• Up to $100 per occurrence in coverage for emergency eye exams
• $50,000 in coverage for local burial or cremation
• 24/7 travel assistance
• Up to $25,000 in coverage for accidental death and dismemberment per traveler
• Up to $500 for loss of checked baggage
• Up to $5,000 for trip interruptions
• Up to $100 per day for trip delays
• Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

• Up to $250,000 in coverage for emergency medical evacuation
• Up to $25,000 for repatriation of mortal remains
• $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

• Up to $1,000,000 of maximum coverage
• Up to $1,000,000 for emergency medical evacuation
• Up to $10,000 for trip interruptions
• Up to $1,000 for lost checked luggage
• Up to $100 per day for travel delays
• Up to $25,000 in personal liability coverage
• Medical coverage for eligible expenses related to COVID-19
• Ability to add coverage for your spouse and/or child(ren)
• Repatriation of remains coverage up to overall limit
• Up to $5,000 for local burial or cremation 
• $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Should You Buy Cruise Insurance and Is It Worth It?

One of the most common questions we hear from our guests is, “Should I buy cruise insurance?” If you want to spend more time relaxing and less time worrying, the answer is yes. Cruise travel insurance offers some peace of mind for travelers. That’s why we offer Princess Vacation Protection (PVP), a simple way to ease your worries before setting sail. This travel protection includes the Cancellation Fee Waiver, a non-insurance feature provide through Princess Cruises, travel insurance benefits underwritten by Nationwide®, and non-insurance emergency assistance services. Available in both a Standard and Platinum plan, choose the plan you want based on the coverage and plan price that works best for you. Captain's Circle members who have achieved Ruby, Platinum or Elite status who elect to purchase Standard PVP automatically receive a complimentary upgrade to PVP Platinum; we'll pay the difference in plan cost on your behalf. Here are some additional benefits of our travel protection plan — Princess’ form of cruise insurance.

Trip Delays

Delayed flights and missed connections; they happen to the best of us. Here at Princess, we understand that some things are out of your control. That’s why Princess Vacation Protection may reimburse you up to $500 for expenses not arranged through Princess — such as hotels and meals — if you are delayed in getting to your trip or up to $1,500 if you are delayed getting home.*

*The Trip Delay benefit is a maximum of $1,500 if you experience both pre-cruise and post-cruise delays.

Trip Interruptions

If you prepaid for land and sea arrangements through Princess — such as a hotel reservation or shuttle — and missed them due to a covered reason like illness or injury, the plan will reimburse up to the total trip cost. In such event, if you need to start your vacation late or end it early, the plan may instead cover the cost of one-way airfare to get your vacation back on track.

Problems with Personal Belongings?

While the possibility of lost, delayed or damaged luggage and other personal items on your vacation is uncommon, it’s wise to be prepared. Princess Vacation Protection covers up to $1,500 with Standard PVP or up to $3,000 under PVP Platinum if your belongings are lost, stolen or damaged during your trip. Princess Vacation Protection also covers up to $500 toward the purchase of necessary personal effects if your luggage is delayed 24 hours or longer en route to your vacation. To help prevent problems, be sure to attach nametags to each of your bags and be sure to keep valuables and important items such as passports and medications with you.

Medical Coverage

Of all the reasons to buy cruise insurance, medical coverage while traveling, especially outside the country, is one of the most important. Enjoy some peace of mind knowing that Princess Vacation Protection can reimburse most medical expenses that may arise on your trip. The Standard plan covers up to $10,000 if you become injured or sick during travel. If you require emergency medical transportation during your trip, the Princess Vacation Protection plan covers up to $25,000 of expenses that are outlined in the PVP policy . Under PVP Platinum, these coverage limits are doubled.

24/7 Support

Nothing says support quite like anytime, anywhere assistance. With just the click of a button, connect with one of the agents of LiveTravel, the emergency assistance provider, who can answer questions and ease your concerns about finding medical care, legal services, passport replacement etc.

There are a lot of things that are out of our control when we travel. Choosing to protect your vacation isn’t one of them. Still wondering: Is cruise insurance worth it? We certainly think so! Travel protection from Princess can help you make the most of your vacation. Before making your purchase of Princess Vacation Protection, please review the terms, conditions and exclusions of the plan by visiting our Princess Vacation Protection page .

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Zanzibar president defends mandatory insurance for tourists amid backlash

Zanzibar President Dr Hussein Mwinyi (right) greets the new Italian Ambassador to Tanzania, Giuseppe Sean Coppola, during the latter's courtesy visit to the Zanzibar State House. PHOTO | COURTESY

By  Jesse Mikofu

What you need to know:

All foreign visitors are required to acquire inbound travel insurance cover of up to 92 days stay in the islands, from the Zanzibar Insurance Corporation, starting October 1, 2024.

Unguja. Zanzibar president Hussein Mwinyi has defended the mandatory insurance cover for tourists entering the archipelago, saying that his government bears high costs when the visitors get sick or involved in accident.

The insurance for non-residents which costs $44, in addition to their Tanzania e-Visa, was criticised by the tour operators and opposition politicians who argue that it can add unnecessary cost for tourists who rarely travel without the cover.

Zanzibar introduces $44 insurance fee for visitors

Tato faults Zanzibar mandatory insurance for arriving visitors

Speaking at the Zanzibar State House on September 26, 2024, during a meeting with Italy’s new ambassador to Tanzania, Dr Mwinyi explained that the new insurance policy will safeguard both tourists and the government.

He said the introduction of travel insurance for tourists is aimed at strengthening the tourism sector and creating a safer, more visitor-friendly environment, while reducing the financial burden on the government which has been covering expenses for tourists who fall ill or experience accidents.

"The government has been shouldering significant costs for tourists who fall ill, get into accidents, or even pass away while visiting. The introduction of this insurance will ease that burden," Dr Mwinyi said.

ACT-Wazalendo calls for withdrawal of mandatory travel insurance in Zanzibar

While the move announced in July was criticised, some other stakeholders welcomed it as a necessary step for safety.

The insurance will cover health emergencies and other incidents tourists might encounter while in the country. That includes accidents, loss of personal belongings, or even death, offering protection within Tanzania’s borders.

Dr Mwinyi stressed that travel health insurance is a common practice worldwide, helping to ensure that tourists receive quality healthcare and are protected against potential mishaps.

He clarified that the objective is not to create an additional revenue stream for the government but to improve the tourism sector, making Zanzibar a safer destination for international visitors.

Dr Mwinyi also praised the partnership between Zanzibar and Italy, emphasising Italy’s significant role in Zanzibar's tourism sector. He encouraged Italian businesses to explore investment opportunities in other sectors of the island’s economy, beyond tourism.

Ambassador Giuseppe Sean Coppola reaffirmed Italy’s commitment to supporting Zanzibar, particularly in healthcare, tourism, and waste management.

He expressed Italy’s willingness to assist in areas such as managing neglected tropical diseases (NTDs) in Pemba and improving maternal and child health.

Regarding the tourism sector, ambassador Coppola pledged to provide training and capacity-building initiatives for Zanzibar’s tourism institutions and stakeholders, aiming to boost Zanzibar’s status as a leading global tourist destination.

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Lyft Fare Estimator

Planning your next Lyft ride just got easier than ever. Our Lyft Estimate tool takes the guesswork out of your travel expenses.

Whether for a meeting, a night out, or catching a flight, our tool provides real-time fare estimates, ensuring you're informed before your Lyft ride.

Recent Estimates

Lyft is an American ride-sharing company headquartered in San Francisco. Its primary mission is to connect passengers in need of a ride with drivers who have a car.

Founded in 2012, Lyft operates in over 300 cities . To book a Lyft taxi, simply download the Lyft app from either Google Play or the Apple App Store.

How to Use the Tool

Enter your pickup and drop-off locations, and the Lyft estimator will provide you with fare estimates in real-time.

Use this Lyft estimate service for the latest fare details on your next ride.

Stay updated and find useful Lyft tips on our Facebook page .

Lyft Estimate

To simplify things, we've provided a fare cost example based on a 5-mile trip and a 10-minute drive. This is a straightforward example, but it offers a rough price estimate for where Lyft rides may be most affordable or expensive.

Most Affordable Locations

• Davenport ($7.96)
• Lawton ($8.62)
• Wichita Falls ($9.13)
• Fayetteville ($9.17)
• Woodward ($9.23)
• Athens ($9.35)

Higher-Priced Locations

• Hamptons ($23.09)
• Lake Tahoe ($20.15)
• Florida Keys ($19.06)
• Western Montana ($18.75)
• Cape Cod ($18.48)
• Pullman ($18.35)

Lyft Promo Code

If you're new to Lyft, you can use their official promo code to get a discount on your first ride. If you're already a Lyft user, you can earn free rides by referring friends. You'll receive a free ride when your friends take a Lyft.

Lyft Driver Requirements

To become a Lyft driver, you must meet safety standards . You need to be at least 21 years old, have a valid driver's license, maintain a clean driving record, pass a criminal background check, and have car insurance.

Join Lyft and help improve transportation for many people. Lyft offers excellent medical insurance and provides free transportation funds each month. There are currently many job openings at Lyft.

Tipping Your Lyft Driver

Lyft offers a cashless experience, so there's no need to carry cash to tip your driver. You can adjust the tip amount within the Lyft app or by clicking ' Tip driver ' at the bottom of your email receipt.

Lyft vs. Uber

While Uber is expanding globally, Lyft focuses on providing reliable service in Lyft cities . You can find more information on Lyft vs. Uber, including valuation and fare prices. Both Uber and Lyft are part of the sharing economy.

Scheduling Your Lyft Ride

You can easily schedule a Lyft ride. Select your destination, tap 'Schedule,' choose a date and time, confirm the pickup and dropoff, and you're set. It's a smart way to plan your ride; learn more about it here .

Visa-Free Trips

While Lyft primarily operates in the United States, many travelers love to go abroad. Lyft doesn't require your passport, but you can visit many countries visa-free .

Lyft Competitors

Uber is Lyft's primary competitor, operating worldwide. Use the Uber estimator tool to estimate fares in cities where both Uber and Lyft are available.

Elevate your ride

When driving through cities with varying altitudes, your Lyft ride can feel different. You can check your current elevation and barometric pressure nearby to ensure you feel comfortable during your Lyft ride.

Lyft Stock Price

Lyft's stock symbol is LYFT and it is traded on the NASDAQ stock exchange. Keep an eye on Lyft's stock price to follow how the company is doing in the stock market. It's an easy way to see if Lyft is doing well or not.

It was supposed to be a brief work trip to Uganda. Now he owes a hospital $30K

A man from Alberta has been at the Medipal International Hospital in Kampala, Uganda for over two months with a hefty medical bill. He says he can’t leave until it’s been paid for, but he doesn’t have travellers’ medical insurance.

Colin Crane, from Edmonton, went to Africa in June for a business trip as an independent contractor. He got sick a few weeks later and took himself to the hospital.

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“I had trouble sleeping, breathing and eating,” said Crane.

He says that, after he got a blood test, the nurses had to help him back to his bed. The results came back and confirmed he had severe malaria.

“When you get it, and you don’t treat it or seek medical attention on time immediately your organs start shutting down due to its complication,” said Linda Wefila, the principal nursing officer at the hospital where Crane was treated.

Crane’s kidneys stopped working and he was on dialysis. He thought he’d be at the hospital for a few days but slipped into a coma for six weeks.

“I woke up to intravenous bottles coming out of me and I couldn’t move. I could hardly lift my head off of the pillow,” said Crane.

Unfortunately, that wasn’t the only problem Crane would face. Hospital staff told him the medical bill was $30,000 and will increase the longer he is there. He said he wasn’t able to leave until it was paid.

“If he can make 50 per cent of the $30,000, we are able to let him go with a payment plan,” said Wefila.

But even paying half of the amount is a challenge. Crane did not have medical insurance while travelling. He said that because he’s made multiple trips to Africa for work without any issues, he didn’t think about the risks, and is now paying for them.

Martin Firestone, a travel expert, says Crane’s circumstance is a hard lesson to learn and a reminder to all travellers abroad about what can happen if they don’t get the medical coverage.

“One slip and fall or even a car accident and you are really out of luck because you’re going to have to pay the bill or face the consequences,” he said.

Firestone says it’s a positive sign that the hospital is willing to honour a payment plan.

“I would argue that he should really try to negotiate the bill down significantly and then work on a payment plan off that.”

In a statement to CTV News, Global Affairs says it’s providing Crane with “consular assistance” and “due to privacy considerations, no further information can be disclosed.”

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Crane says he hasn’t had any luck getting a loan from the government to help with the bill. He’s now hoping that through his Gofundme page generous donors might step up to help him get home.

“I appreciate all the help I can get,” said Crane.

Crane’s recovery will still take up to two more months and Wefila says the quicker he is out of a hospital setting the better it is for his health.

“Staying in the hospital for a long time is not helping when it comes to rehabilitation. Him getting into the community gives his body some sense of adaptability for him to be able to go back to normal,” she said.

Crane says his experience has been difficult but he’s trying to keep a positive outlook. He’s hoping his story is a reminder to other travellers to buy medical insurance while outside of Canada.

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Entertainment

Sean 'Diddy' Combs wants to testify at his trial, lawyer says: 'I don't know that I can keep him off the stand'

​Sean 'Diddy' Combs wants to testify at his criminal trial for charges of sex trafficking and racketeering, according to his attorney.

Complainant breaks down as cross-examination resumes in Hoggard sexual assault trial

The emotional cross-examination of the woman accusing Jacob Hoggard of sexual assault continued at his trial Friday, as the Canadian musician's defence lawyer sought to highlight possible issues with the complainant's memory.

Canada economy tops July growth forecast, but seen stalling in August

Canada's gross domestic product expanded at a faster-than-expected 0.2 per cent rate in July, driven by growth in retail trade and public sectors, but the economy likely stalled in August, Statistics Canada data showed on Friday.

'It's a big pizza': Edmonton pizzeria selling pie that can feed up to 60 people

A pizza chain in Edmonton claims to have the world's largest deliverable pizza.

This U.S. couple relocated to Italy after retiring. It didn't go according to plan

Regina and John Zdravich left the U.S. for Italy after falling in love with the European country, then unexpectedly found themselves 'homeless.'

Halloween superfans see the culture catching up to them. (A 12-foot skeleton helped)

Home Depot was about to launch something big — really big — when the pandemic hit in the spring of 2020: a 12-foot skeleton.

Toronto Raptors confirm plans to retire Vince Carter's No. 15

The Toronto Raptors have confirmed that Vince Carter's No. 15 will be the first number to be retired by the NBA franchise.

Canadian legend Christine Sinclair announces retirement from professional soccer

Canadian legend Christine Sinclair announced Friday that she will retire from playing professional soccer at the end of the season.

Veteran centre Bryan Little to sign one-day contract, retire as Winnipeg Jet

The Winnipeg Jets announced Friday they are signing Bryan Little to a one-day contract, allowing the centre to retire with the franchise he spent his entire NHL career with.

Toyota Motors, Mazda issue recalls for Canadian vehicles

More than 12,000 vehicles in Canada are included in two separate recalls by Toyota Motor Corp. and Mazda.

Doug Ford wants a tunnel under Ontario's Highway 401. He could learn something from Boston's 'Big Dig'

Ontario's Premier Doug Ford wants to dig Canada's largest city out of its traffic woes.

Rare Corvette found stripped of parts and dumped on dirt road outside Barrie, Ont.

A bizarre discovery was made on a dirt road in Clearview Township.

Local Spotlight

Breathtaking encounter with humpback whales captured by B.C. filmmakers

When a group of B.C. filmmakers set out on a small fishing boat near Powell River last week, they hoped to capture some video for a documentary on humpback whales. What happened next blew their minds.

'I loved growing up in Nova Scotia': Sarah McLachlan excited to return to Halifax roots for tour

Sarah McLachlan is returning to her hometown of Halifax in November.

'Hats off to him': 87-year-old player still hitting the court in Sackville, N.B.

Wayne MacKay is still playing basketball twice at Mount Allison University at 87 years old.

'You're headed on a Tim's run': Alberta man puts Canadian spin on hit songs

A man from a small rural Alberta town is making music that makes people laugh.

'It's my most stolen image': Concerns raised about stolen Indigenous art for Orange Shirt Day

An Indigenous artist has a buyer-beware warning ahead of Sept. 30, the National Day for Truth and Reconciliation.

Ice cream criminals: Lethbridge break-in sees suspects steal plenty of pints

Police are looking to the public for help after thieves broke into a Lethbridge ice creamery, stealing from the store.

Delivering smiles: Winnipeg Canada Post employees going above and beyond while on the job

An ordinary day on the job delivering mail in East Elmwood quickly turned dramatic for Canada Post letter carrier Jared Plourde. A woman on his route was calling out in distress.

'We'll come back': Fire destroys barn, 17,000 plants at family-owned N.B. business

Fire has destroyed a barn and 17,000 plants at a family-owned business in Lower Coverdale, N.B.

No deal after two days of negotiating in the Vancouver grain workers strike

Negotiations to end a strike by grain terminal workers in Metro Vancouver have stalled, with the employers' association saying it's "disappointed" with the results of two days of talks.

Police make four more arrests in viral video that showed woman stealing Porsche from Mississauga driveway

Police have arrested four more people in connection with a viral video that showed a woman stealing a Porsche from a Mississauga driveway and then striking its owner as she attempted to flee the scene.

Man dies after being pulled out of water by Toronto marina

A man has died after being pulled out of the water by Toronto's waterfront, police say.

Calgary's supervised drug consumption site 'isn't working': mayor

Calgary's mayor says a supervised consumption site isn't working, but the city is waiting for the province to take action.

'I want to leave but I'm scared': Calgarian and her kids stuck in Lebanon as conflict rages on

Safaa went to Lebanon looking to meet with a specialist for her Crohn's disease. Now, she and her four children are caught in the conflict between Israel and the militant group Hezbollah.

Rats are overtaking Overbrook

A rat infestation in Overbrook is causing a major headache for residents, who say the problem is out of control. Rats can be seen in yards day and night, with no sign of relief.

'It sounded like a tornado': Former Ottawa resident describes Hurricane Helene making landfall

When Hurricane Helene roared ashore in Florida as a Category 4 storm on Thursday, former Ottawa resident Judy Brown felt its wrath.

Ottawa Hospital parking rates set to increase starting Tuesday

Parking rates at The Ottawa Hospital (TOH) will increase as of Tuesday for patients, visitors and staff.

Woman found dead in Hemmingford, Que. after going missing; man, 31, charged

A 31-year-old man has been charged following the death of a woman who went missing in southern Quebec earlier this week.

Former Montreal rabbi acquitted of sex charges

A former Montreal rabbi has been acquitted of sexual assault and sexual interference with a minor.

Quebec MNA accuses SAQ of being backed by 'racist, far-right pro-genocide groups'

Quebec solidaire (QS) accused Quebec's liquor control board of being supported by 'racist, far-right pro-genocide groups."

1 hospitalized after fire at 124 Street apartment building

An apartment building in west central Edmonton was evacuated because of a fire on Friday afternoon.

RCMP says Premier Smith wrong on RCMP numbers despite monthly updates

The Alberta RCMP says Premier Danielle Smith was "inaccurate" in statements about the province's Mounties on Thursday.

Crash closes westbound Highway 16 west of Edson

A crash scene made westbound Highway 16 impassable west of Edson Friday morning.

BREAKING | Teen who pleaded guilty in N.S. school stabbing sentenced to 2 years' probation

A youth who stabbed two staff members at a Bedford, N.S., high school in March 2023 has been sentenced to two years of probation, with certain conditions.

2 dead after vehicle lands in ditch near Hay Settlement: N.B. RCMP

A 43-year-old man and a 45-year-old man, both from Sussex, N.B., have died as the result of a single-vehicle crash near Hay Settlement, N.B.

Manitoba signs off on sale of Portage Place

The Province of Manitoba has signed off on the sale of Portage Place.

Ontario woman arrested in Sask. following alleged child abduction: Manitoba RCMP

An Ontario woman who allegedly abducted her three children from Ontario and crossed into Manitoba was arrested in Saskatchewan this week.

Indigenous artist Jackie Traverse teams up with students to create mural

A prominent Indigenous artist has teamed up with students in The Pas to create a mural bringing attention to Missing and Murdered Indigenous Women and Girls.

Sask. police watchdog says RCMP discharged guns in fatal Fishing Lake First Nation incident

Saskatchewan's Serious Incident Response Team (SIRT) says it has determined that RCMP officers fired their guns, as it continues its investigation into a fatal incident on Fishing Lake First Nation that left a 34-year-old man dead.

RCMP say inmate failed to return to correctional centre in Yorkton, may be in Regina

RCMP are asking the public to be on the lookout for a 55-year-old man who failed to return to a correctional centre in Yorkton Thursday night and is thought to be travelling to or in the Regina area.

'Momentum and belief are powerful': Riders look to build on last week's win Saturday against Ottawa

The Saskatchewan Roughriders will try to win two games in a row for the first time since July when they face the Ottawa Redblacks at home on Saturday afternoon.

Councillors, advocates question report on corn crop destruction in Wilmot Township

Advocates are demanding an apology after a staff report regarding the destruction of corn crops in Wilmot Township was found to be lacking in detail.

Eight houses damaged after two suspicious fire in Erin, Ont.

Wellington County Ontario Provincial Police (OPP) are asking for the public’s help as they investigate two fires in the town of Erin, that are considered suspicious.

Saskatoon's homeless population nearly doubled this year

Saskatoon's homeless population is on pace to more than double in one year, according to data from the Saskatoon Fire Department.

EXCLUSIVE | New poll reveals some key issues for voters in upcoming Sask. election

The most important issues for Saskatchewan voters depends on which party they support, according to a new poll.

Saskatoon lowering speed limit on third neighbourhood bikeway street

A third neighbourhood bikeway street in Saskatoon will soon have a speed limit of 30 kilometres per hour (km/h).

Northern Ontario

Sault considers buying, demolishing former hospital, selling it for residential development

At its meeting Oct. 1, city council in Sault Ste. Marie will vote on a staff recommendation to buy the former Sault Area Hospital site on Queen Street East and Lucy Terrace.

London man charged with attack on Muslim women

The National Council of Canadian Muslims and Hikma Public Affairs Council have both released statements on social media regarding the reported incident.

'It’s not something in the past': Londoners prepare to observe the National Day for Truth and Reconciliation

Monday is Truth and Reconciliation Day – a day to remember lives lost a residential schools.

Local artist designs special Indigenous logo for Toronto Argonauts

Emily Kewageshig's artwork will be featured on the helmets of the Toronto Argonauts at their annual Orange Jersey Game happening this weekend.

New road officially opens to help relieve traffic congestion in Barrie's south end

The highly-anticipated Bryne Drive South extension in Barrie opened Friday afternoon, and is expected to alleviate traffic congestion in the city's busy south end.

Multi-vehicle crash on Highway 400 sends one to hospital

A multi-vehicle collision on Highway 400 in Bradford caused some traffic backups ahead of the weekend.

Toronto man wins RVH 50/50 $271,000 jackpot

A man from Toronto is taking home the Royal Victoria Regional Health Centre (RVH) Auxiliary 50/50 September jackpot worth $271,560.

Police searching for suspects following alleged assault

The Windsor Police Service is looking to identify three suspects after an alleged assault involving a knife and bear mace.

Pedestrian airlifted to hospital following collision with vehicle

One person has been taken to hospital with life-threatening injuries following a collision in Chatham Thursday night.

Windsor installs decorative lighting downtown

The City of Windsor has installed decorative lighting along Ouellette Avenue to “strengthen the core”.

Vancouver Island

'like lego': eby says he'd fast-track prefabricated homes to ease b.c. housing crisis.

British Columbia NDP Leader David Eby says his government would fast-track factory-built homes as part of its strategy to ease the province's housing crisis.

'Don't know where the animals came from': Runaway pigs rounded up in West Kelowna, B.C.

A pair of runaway pigs are in the custody of an animal sanctuary in the Okanagan after evading police and volunteers for hours earlier this week.

Video shows historic bridge in Kamloops, B.C., collapsing after fire

The Red Bridge, a historic landmark in Kamloops, B.C., was completely destroyed by fire early Thursday morning.

Pregnant pit bull with 10 puppies rescued from rat-infested B.C. home

Animal protection officers in British Columbia have rescued three pit bulls – including one that gave birth to 10 puppies – from a rat-infested home in Kelowna.

Sticky-fingered bandits in Lethbridge ice cream heist charged

A man and woman have been charged after a Lethbridge ice creamery was broken into earlier this week. Staff arrived at Cookie Crimes, in the 300 block of Sixth Street South, just before 5:30 a.m. on Monday to discover the front window broken.

Thousands of baby turkeys killed in Vulcan County barn fire

Fire investigators are working to determine the cause of a blaze that killed about 9,000 turkey chicks in Vulcan County, Alta.

Peace bonds, withdrawn charges for Lethbridge high school football players accused of sexual assault

Four Lethbridge high school football players accused of sexual assault last year won't go to trial.

Sault Ste. Marie

Impaired driving suspect in the Sault fell asleep in the drive-thru

Police in Sault Ste. Marie have charged a 47-year-old suspect after a 911 caller reported someone asleep in line at a local drive-thru.

Sault suspect accused of committing several offences in two-hour crime spree

Sault Police say a 50-year-old suspect had a busy morning Thursday, and is now charged with committing several offences between 9 a.m. and 11:15 a.m.

Small English soccer team has huge year, thanks in part to Newfoundland and Labrador

A soccer game in England on Tuesday night drove a spike in online traffic across the Atlantic to a website launched by the Newfoundland and Labrador government.

Luck of the draw: N.L. ads to be featured in match against football giants Chelsea

Newfoundland and Labrador sponsored a minor football team in England, now they’re about to play one of the biggest clubs in European soccer.

Newfoundland and Labrador monitoring rise in whooping cough cases: medical officer

Newfoundland and Labrador's chief medical officer is monitoring the rise of whooping cough infections across the province as cases of the highly contagious disease continue to grow across Canada.

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ARTICLES / SEPTEMBER 25, 2024

Lockton Philippines Debuts “Safe To Go” – An Insurance Platform for Filipino Travelers to South Korea

As travel enthusiasm soars, Lockton Philippines is thrilled to announce the launch of "Safe To Go," our pioneering travel insurance platform. This platform is designed to revolutionize the way Filipinos perceive and approach travel protection. With the rising trend of Filipino travelers planning to invest more on adventures in 2024, and with Korea consistently being a top destination, it becomes necessary to prioritize safety and peace of mind while indulging in travel experiences.

Our recent survey reveals that 82% of Filipino travelers opt for insurance, with a focus on medical coverage, trip cancellation, and lost luggage. This high level of awareness underscores the importance of travel insurance for Filipinos.

Lockton Philippines' dedication to delivering the best for its clients has resulted in the development of “Safe To Go”. This platform simplifies the travel insurance selection process for trips to Korea, adopting a client-centric approach. It addresses common misconceptions about travel insurance being expensive, complex, and inconvenient, providing a user-friendly experience instead. The platform offers a seamless method to assess and choose the best travel insurance options based on the user's trip details, such as age and duration of stay.

"Safe To Go" empowers users by presenting a carefully curated list of insurance options, highlighting their benefits, and sorting them by price. This approach allows travelers to make informed decisions without feeling overwhelmed. The platform enables users to purchase insurance anytime, anywhere, pay online, and eliminates the need for lengthy discussions with agents.

Once the purchase is complete, users receive their policy in real-time via email from the insurance provider of their chosen package. This email includes all necessary contact information for emergencies or claims, ensuring that travelers are well-equipped for any situation.

In the coming months, we will be onboarding additional insurance providers to offer a wider range of options to cater to all types of travelers. Our goal is to ensure that every traveler, regardless of their unique needs or preferences, can find the most suitable and comprehensive coverage.

Furthermore, with the increasing interest in travel beyond Korea, the next phase will see an expansion of our travel insurance coverage to Asian countries. This expansion aligns with our commitment to providing enhanced protection for travelers, who remain our top priority. Lockton may also provide travel insurance for employment purposes. For further details, please reach out to Marge Bunyi at [email protected] (opens a new window) .

Lockton Philippines continues its pursuit to deliver best-in-class service by focusing on client needs and enhancing travel safety. With “Safe To Go,” we make securing travel insurance straightforward, affordable, and hassle-free, so you can focus on enjoying your journey to Korea.

Embark on your adventure to Korea worry-free and make sure you are #AlwaysSafeToGo. Visit SafeToGo.ph and get your travel insurance for Korea today!

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