The 5 Best Cruise Insurance Plans – Robb Report

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If you were an avid cruiser before cruising stopped due to the pandemic, you may be ready to stretch your legs again. Or, you could be an aspiring cruiser ready to snag big when cruise ships return from select US ports, the Caribbean, and Europe.

If you are planning a trip on the high seas, be sure to check insurance and Covid testing requirements. Some shipping companies require that you get travel insurance if you are not vaccinated.

Whether or not you have insurance coverage for a cruise, it is wise to have the proper protection prior to your trip. Here’s a look at the best cruise insurance.

GoReady selection plan

Why we chose it: GoReady’s Choice Plan offers a multitude of benefits at an excellent price-performance ratio.

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

If you’re still on the fence while traveling, you can add “cancel for any reason” insurance to your plan. This way, if you change your mind before you leave, you can receive part of your non-refundable travel payments.

Possible disadvantages: A $ 200 baggage delay after a 24-hour delay is tight compared to many other competitors. And if you want more than $ 500 in baggage loss coverage per person, you’ll need to upgrade from the Base Choice plan too.

HTH Worldwide TripProtector Preferred Plan

Why we chose it: The TripProtector Preferred Plan offers world-class benefits and coverage limits at a great price.

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

The Preferred Plan provides great coverage for travel accidents such as travel delay ($ 2,000 per person) and baggage loss ($ 2,000 per person). You will also find that Travel Interruption Insurance is more generous than its competitors at 200 percent of travel expenses. And if you want to worry even more, you can add “terminate for any reason” insurance.

Possible disadvantages: The $ 400 per person baggage delay after 12 hours of delay is on the low end compared to other top competitors.

Related: Compare travel insurance offers for 2021

Nationwide Cruise Choice Plan

Why we chose it: Nationwide’s Cruise Choice offers valuable benefits at a great price.

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

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

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

Possible disadvantages: On the lower end, you might find $ 750 per person for travel delay.

Seven Corners RoundTrip Pick Plan

Why we chose it: The RoundTrip plan offers a solid range of benefits at a great price.

In addition to $ 100,000 in emergency medical care and $ 500,000 in emergency medical insurance per person, receive $ 20,000 in non-medical evacuation insurance per person. The Choice plan also includes $ 1,500 for missed connections per person.

For even more flexibility, you can add “terminate for any reason” coverage.

Possible disadvantages: Baggage delay coverage ($ 500 per person) is a bit poor compared to other top competitors.

Trawick International Safe Travels Voyager Plan

Why we chose it: The Safe Travels Voyager Plan offers a host of world-class benefits at a competitive price.

Receive $ 250,000 in emergency medical expenses and $ 1 million in medical evacuation per person. The plan also includes a generous travel delay of $ 2,000 per person after a six-hour delay. If your baggage is lost, you have sufficient cover of $ 2,500 per person.

Possible disadvantages: We didn’t see any major drawbacks with this plan.

What insurance should I get for a cruise?

It is often a good idea to get comprehensive travel insurance before any type of international trip, including a cruise. Solid travel insurance protects you financially against a variety of travel problems:

If you need to cancel your trip for a reason covered by the policy, e.g. B. If you injure yourself shortly before the trip, you would like travel cancellation insurance. Also, if the weather or an airline delay is delaying your cruise, or if you have to cancel your trip due to a family emergency at home, both travel delay and travel interruption insurance are very valuable.

Loss of baggage benefits can help if your baggage does not make it on board your ship or if your personal belongings are stolen.

Travel health insurance can be the most important form of coverage given the Covid pandemic. You can be reimbursed for plans that include Covid coverage if you contract the virus and have to cancel before you travel, or if you get sick during the trip.

Medical evacuation insurance can pay off to get you to the nearest appropriate medical facility for your condition, whether it is an illness or an injury.

This coverage is essential if your US based health insurance plan has limited health coverage outside of the US. Medicare does not apply to health care outside of the United States except in very limited cases.

Would you like the option to cancel for any reason?

Meghan Walch, spokeswoman for travel insurance comparison provider InsureMyTrip, points out that standard travel insurance does not allow you to cancel a trip because you are concerned about Covid. Even with standard travel insurance, you cannot cancel if you change your mind, have a big argument with your travel companion, or are afraid of getting seasick.

If you want the highest level of cancellation flexibility for your travel plans, consider opting for a Cancel For Any Reason (CFAR) coverage add-on. It increases your insurance costs by 50 percent on average. With this upgrade you can cancel without giving a reason up to 48 hours before the trip. Reimbursement under a CFAR claim is generally 75 percent of travel expenses, not 100 percent.

“This is the only way you can recoup part of your prepaid, non-reimbursable travel expenses if you decide not to travel because of an increase in Covid cases,” explains Walch.

Check travel requirements

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

Carnival requires unvaccinated guests on ships sailing from Florida and Texas to provide proof of travel insurance. Each unvaccinated guest must have at least $ 10,000 in medical expenses and $ 30,000 in emergency medical evacuation, both including Covid coverage. This requirement does not apply to children under 12 years of age.

Even if you are fully vaccinated, it may be in your best interest to have solid travel insurance. “InsureMyTrip strongly recommends that all cruise lines take out travel insurance. Cruises can be expensive, and in the multi-leg type of cruise, travel insurance can help protect your investment, ”says Walch.


Erica Lamberg is a personal finance and travel writer based in suburban Philadelphia. She is a regular contributor to USA Today and her writings include NBC News, US News & World Report, Business Insider, Oprah Magazine, and Credit cards.com.

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