When taking a cruise, medical expenses cover is extremely important to protect you in the event you become unwell, especially if you’re miles away from the mainland. Use our comparison tool to compare specialist cruise policies and prices now!
If you’re off on a cruise holiday, we can search over 40 specialist travel insurers to help you find a policy that not only includes cover for pre-existing medical conditions, but also specifically insures you against cruise related issues that you wouldn’t normally get protection for with standard cover.
Whether you’re taking a short cruise around the Mediterranean, treating yourself to a Caribbean adventure or perhaps even a luxury worldwide cruise, the cost of your holiday is unlikely to be cheap.
So, you will probably require a higher level of cancellation and curtailment cover to ensure the cost of your holiday and any pre-paid excursions can be recouped in the event of being unable to travel.
You will also want adequate medical and personal liability cover to ensure you're not out of pocket should you require medical treatment which forces the ship to dock or for you to be airlifted to the nearest hospital.
When comparing cruise ship travel insurance quotes, it’s important to check the level of cover offered is enough to fully protect you.
Cruise holiday insurance is not a legal requirement.
However, many cruise ships and travel agents (especially in the UK) will require you to have adequate cover in place before allowing you to board, so having a cruise policy in place is the best way to ensure your holiday gets off to a smooth start.
As well as the usual benefits you would expect of standard travel insurance, adding ‘Cruise Cover’ to your policy can provide cover for:
You could get travel insurance for your cruise holiday for as cheap as £100.
The cost of UK cruise holiday insurance varies depending on your age, health, medical conditions and the cost of your cruise, amongst other factors like voluntary excess.
Another rule of thumb to bear in mind is that if you are between 35 and 59 years old, the cost of cruise insurance will be lower than if you are between the ages of 60-69. Prices can go up further for travellers above the age of 70.
Most standard travel insurance policies do not normally include cruise cover, but many insurers will offer it as an optional add-on.
In general, you’ll always get a more comprehensive cover from a company that specifically offers cruise insurance.
This is because they will have policies built around the individual requirements of cruise ships and cruise travellers.
The best way to get a great deal on your cruise travel insurance is by comparing the different deals that are available.
You can do this quickly and easily with Medical Travel Compared - it’s what we do!
Due to the nature of cruise holidays, it’s likely you will be visiting several countries or destinations (or perhaps even several continents if you’re on a worldwide cruise).
As such, it’s important that you’re covered for each of your destination points, even if you are only passing through or stopping for a day.
You can use our multi-destination filter to select all the countries you will be travelling to when you apply.
When comparing quotes, please pay careful attention to the level of Cancellation Cover provided.
Don't be tempted to selected a policy that offers a lower level of cover than what your cruise is costing, because this could invalidate your policy.
The cover limits on a policy are per insured person, so for example, if there are two of you travelling on the policy and the total of your cruise is costing £3,000, then you would need a policy that provides a minimum Cancellation Cover up to £1,500 per person.