The 5 Best Cruise Insurance Plans – Robb Report

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If you were a cruising enthusiast before the cruise suspension due to the pandemic, you may be ready to stretch your sea legs again. Or you could be an aspiring cruiser ready to hook a lot as cruise lines resume sailing from select US, Caribbean and European ports.

If you are planning a trip to the high seas, be sure to check the insurance and Covid testing requirements. Some cruise lines require you to purchase travel insurance if you are not vaccinated.

Whether you need insurance for a cruise or not, it’s a good idea to have the right protection in place before you set off. Here’s a look at the best cruise insurance plans.

GoReady Choice plan

Why we chose it: GoReady’s Choice plan offers a wide range of benefits at a great value.

Travelers can upgrade the Choice plan to $ 500,000 per person for emergency medical expenses and medical evacuation coverage. Coverage for travel delays can be increased to $ 2,000 per person.

If you are still hesitant to travel, you can add “cancel for any reason” coverage to your plan. This will allow you to get a portion of your non-refundable travel payments if you change your mind before departure.

Potential disadvantages: The $ 200 baggage delay coverage after a 24-hour delay is meager compared to many other competitors. And if you want more than $ 500 in lost baggage coverage per person, you’ll also need to upgrade from the Basic Choice plan.

Preferred Plan HTH Worldwide TripProtector

Why we chose it: The TripProtector Preferred Plan comes with top-notch benefits and coverage limits at a good price.

If you’re the type of traveler looking for generous policy limits, the Preferred Plan is worth considering. You will receive $ 500,000 in emergency medical expenses and $ 1 million for medical evacuation per person. The plan also includes $ 50,000 per person for accidental death and dismemberment.

The Preferred Plan offers excellent coverage for travel accidents such as travel delays ($ 2,000 per person) and lost luggage ($ 2,000 per person). You’ll also find trip interruption coverage of 200 percent of the cost of the trip more generous than the competition. And if you want even more peace of mind, you can add “cancellation for any reason” coverage to the policy.

Potential disadvantages: Baggage delay coverage of $ 400 per person after a 12 hour delay is low compared to other major competitors.

Related: Compare travel insurance quotes for 2021

Nationwide Cruise Choice Plan

Why we chose it: Choosing Nationwide Cruise offers valuable benefits at a good price.

You will receive $ 100,000 for emergency medical expenses and $ 500,000 for emergency medical evacuation per person. The plan also includes $ 25,000 per person for accidental death and dismemberment coverage while traveling.

Nationwide’s Cruise Choice plan includes premium baggage loss coverage of $ 2,500 per person. And coverage for missed connections is generous at $ 1,500 per person after a delay of just three hours.

Travelers who want more flexibility can add “cancel for any reason” coverage. If you want higher policy limits, upgrade to Nationwide’s Prime or Cruise Luxury plans.

Potential disadvantages: You could find $ 750 per person for low-end travel delay coverage.

Plan of choice Seven Corners Roundtrip

Why we chose it: The RoundTrip plan comes with a solid selection of benefits at a great price.

In addition to $ 100,000 of emergency medical coverage and $ 500,000 of emergency medical coverage per person, you will get $ 20,000 of non-medical evacuation coverage per person. The Choice plan also includes $ 1,500 in missed connection coverage per person.

If you want even more flexibility, you can add “cancel for any reason” coverage.

Potential disadvantages: Delayed baggage coverage ($ 500 per person) is somewhat low compared to other major competitors.

Trawick International Safe Travels Voyager Plan

Why we chose it: The Safe Travels Voyager plan offers a wide range of top-notch benefits at a competitive price.

You will get $ 250,000 for emergency medical bills and $ 1 million in medical evacuation coverage per person. The plan also includes generous travel delay coverage of $ 2,000 per person after a six hour delay. If your baggage is lost, you will have sufficient coverage of $ 2,500 per person.

Potential disadvantages: We did not find any major drawbacks to this plan.

What insurance should I take out for a cruise?

It is often a good idea to purchase comprehensive travel insurance before any type of international travel, including a cruise. A strong travel insurance plan will protect you financially against a wide variety of travel issues:

If you need to cancel your trip for a policy-covered reason, such as injuring yourself just before the trip, you will want trip cancellation coverage. In addition, if weather or an airline delay makes you late for your cruise or if you have to cut your trip short due to a family emergency at home, Trip Delay and Interruption Insurance will prove useful. very valuable.

Baggage loss benefits can help you if your baggage does not reach your ship or if your personal belongings are stolen.

Travel medical insurance may be the most important coverage in light of the Covid pandemic. Plans that include Covid coverage may reimburse you if you contract the virus before the trip and need to cancel, or if you become ill during the trip.

Medical evacuation coverage may pay to transport you to the nearest adequate medical facility for your condition, whether it is illness or injury.

This coverage is essential if your United States-based health plan has limited medical coverage outside of the United States and Medicare does not apply to health care outside of the United States except in very limited circumstances. .

Would you like the option to cancel for any reason?

Meghan Walch, spokesperson for travel insurance comparator InsureMyTrip, notes that standard travel insurance policies don’t allow you to cancel a trip because you have concerns about Covid. You also can’t cancel under a standard travel insurance policy for a change of mind, a big argument with your traveling companion, or a fear of seasickness.

If you want the highest level of cancellation flexibility for your travel plans, splurge for an add-on “Cancel for Any Reason” (CFAR) coverage. It adds an average of 50 percent to your cost of insurance. With this upgrade, you can cancel for any reason up to 48 hours before travel. Reimbursement for a CFAR claim is generally 75 percent of the cost of the trip, not 100 percent.

“This is really the only way for you to recoup some of your prepaid, non-refundable travel expenses if you decide not to travel due to a peak in Covid cases,” Walch explains.

Check travel requirements

Check with your cruise line for vaccination, Covid testing, and / or travel insurance requirements. The rules change frequently.

Carnival requires unvaccinated guests on ships departing from Florida and Texas to present proof of travel insurance. Each unvaccinated guest must have medical expense coverage of at least $ 10,000 and $ 30,000 emergency medical evacuation coverage, both of which include Covid coverage. This requirement is lifted for children under 12 years old.

Even if you are fully immunized, it may be in your best interest to have a solid travel insurance policy in place. “InsureMyTrip strongly recommends that all cruise lines take out a travel insurance policy. Cruises can be expensive, and with the multi-stop nature of a cruise, travel insurance can help protect your investment,” Walch explains.


Erica Lamberg is a personal finance and travel writer based in the suburbs of Philadelphia. She is a regular contributor to USA Today and her writing includes NBC News, US News & World Report, Business Insider, Oprah Magazine and Creditcards.com.


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