Shopping for cruise travel insurance

If you’re lucky enough to have a cruise holiday coming up in the next few months then now is a good time to start planning ahead for your journey.

While the fun bit might be shopping for cruise wear and pulling the sunhat out of storage, now is also a good time to start thinking about getting your affairs in order. Checking your passport is in date, confirming travel details, getting any vaccinations you may need, and thinking about an insurance policy are all worth thinking about.

And when you take care of the details far in advance, you can start your holiday stress free.

Why do I need it?

Travel insurance – some people won’t travel without it, while others think it’s unnecessary. Most people don’t ever need to call on their travel insurance policy while travelling, but if you ever have a medical emergency, having a plan in place can be invaluable.

It’s not unusual to see insurance come as a package deal or an added extra that comes with anything from a mobile phone plan to opening a new current account. While these basic plans cover the broad strokes, purchasing a policy specifically for your cruise is worth considering. It’s a different kind of holiday to the average city break, and for that reason you want to make sure you read the fine print.

For example – many travel insurance policies only cover single destinations, or provide medical cover in particular countries. Others have time limits – typically between 30 and 60 days – and if you’ll be cruising longer than that the policy won’t pay out when you need it most.

Age and pre-existing medical conditions can also have an impact, along with any more adventurous excursions you might undertake while you’re away. Check the fine print – will your once in a lifetime trek through the jungle be covered if you happen to fall and hurt yourself along the way?

Where can I get it?

The good news is, finding cruise travel insurance isn’t difficult at all. Many of the top price comparison sites have special deals specifically for cruising. The advantage of going online is you can enter all your details and any relevant specifics, and find several policies that might work at the same time.

As with any kind of insurance policy, always be sure to read the fine print to identify any possible exclusions – and remember, the cheaper the policy, the more likely it is to leave out some vital aspect of cover you need. Try and resist the temptation to just go with the cheapest deal, and check first it’s one that will actually be useful to you and worth the money in the first place. Some top sites include…

Holiday Extras – By booking cruise insurance with Holiday Extras you’ll benefit from the protection and simplistic booking process provided by their basic policies, along with further cover for the duration of your cruise.

Moneysupermarket – This price comparison website specialises in travel insurance and has a handy section about things to consider when looking for cruise insurance in particular.

Go Compare – Another popular price comparison website, it also includes a helpful section that explains how to differentiate between normal travel insurance and travel insurance specific to cruising when you’re filling out your information.

Travelsupermarket – You can find competitive quotes on Travelsupermarket, and the helpful cruise insurance section on the website offers a few tips on what you should be looking for in a policy.


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Mother of three grown-up daughters I am the ultimate multi-tasker and am passionate about my role as Silversurfers Website Editor and Social Media Manager. Always on the lookout for all things that will interest and entertain our community. Fueling fun for the young at heart!

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