Cruise Insurance Requirements

Ensure you have the right level of cover for your cruise with Just Travel Cover

Cruising is an exceptional way to travel, offering unique experiences at sea and various destinations all in one trip. However, many cruise companies now have specific requirements when it comes to your cruise insurance. Below is an overview of the general requirements and links to specific requirements for major cruise lines such as Cunard, P&O Cruises, Royal Caribbean, and MSC Cruises to ensure you are covered for your next cruise holiday, no matter who you are travelling with.

General Cruise Insurance Requirements

Most cruise lines require the following insurance cover and may ask for proof of your policy before you set sail.:

• Medical and Repatriation Cover: Minimum cover of £2 million for medical expenses and emergency evacuations. This ensures you are covered for medical treatment and, if necessary, repatriation to your home country.

• Pre-Existing Medical Conditions: Cover for pre-existing conditions is mandatory. Ensure your policy explicitly includes cover for any pre-existing conditions you have, failing to do so could void your insurance.

• Cruise-Specific Cover: Benefits should include missed ports, missed shore excursions, and cabin confinement due to illness. These cover unique situations that can occur during a cruise.

• Cancellation Cover:  Adequate cover to protect the cost of your trip. This protects you against financial loss if you need to cancel your cruise due to unforeseen circumstances.

To ensure compliance and peace of mind during your cruise, review the specific requirements for the cruise line you are holidaying with. To help you cruise with confidence, we have included some requirements of popular cruise lines below.

Why Choose Just Travel Cover

At Just Travel Cover, we understand the unique needs of cruise travellers of all ages. Cruise Travel Insurance is designed to provide cover tailored to the specific requirements of cruising, no matter the cruise line you are travelling with. Here’s what we offer:

• Cancellation Cover: Up to £12,500 per person (£50,000 per person on referral) if you need to cancel before you travel, for example if you are medically unable to travel, or there’s a close family bereavement – T&Cs apply.

• Emergency Medical Expenses: Up to £15,000,000, including repatriation, the cost of getting you home.

• 24/7 Medical Assistance: Access to round-the-clock medical support.

• Baggage Cover: Up to £3,000 depending on the insurer.

• No Age Limit (Certain Schemes): No age limit for European cruises with cover for travellers under 70 up to 365 days, 71-75 up to 180 days, 76-79 up to 124 days, and 80+ up to 94 days. There’s no age limit on Travel Insurance for worldwide cruises  either, but if you’re over 80 the max trip length is 94 days.

Some insurers on our panel also provide additional, cruise-specific benefits. All benefits and limits vary by insurer so please check the Policy Wording for full details.

• Missed Port Departure: Up to £2,000 for additional travel and room-only accommodation expenses to join your ship at the next port if you fail to arrive at your international departure due to adverse weather, accident, breakdown, etc.

• Cabin Confinement: Up to £1,500 if you fall ill while on your cruise and the ship’s medical officer confines you to your cabin to avoid spreading illness.

• Unused Excursions: Up to £1,000 if, due to cabin confinement, you are unable to use pre-booked excursion tickets.

• Itinerary Change: Up to £750 in the event of a missed port due to your cruise ship having to cancel part of the itinerary due to adverse weather or timetable restrictions.

• Cruise Interruption: Up to £1,500 if you require treatment in a hospital on dry land due to injury or illness and the hospital confirms you are well enough to rejoin the cruise.

At Just Travel Cover, we work with insurers who provide high cover limits and cover for pre-existing medical conditions. Please note that the limits cited are the maximum and vary between schemes.

Cruise Travel Insurance Requirements FAQs

Frequently asked questions about Cruise Travel Insurance requirements.

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