Cruise

Cruise image
FAQ's

Going on a cruise holiday? Then you need specialist cruise travel insurance.

Although standard travel insurance policies can cover cruises, most may not include the levels of cover you need. Our cancellation limit goes up to £9,999 per person, meaning you won't be out of pocket if you find you have to cancel your trip.

Cover is available in the UK, Europe and Worldwide for up to 6 months (186 days) and with our policy you tailor make it by telling us how much cancellation cover you need.

Benefits of specialist cruise insurance:

  • No upper age limit
  • High cancellation cover limits
  • 24/7 Medical Emergency Helpline
  • Online medical screening
  • Cover for existing medical conditions (subject to acceptance by insurer)
  • Specially designed for cruise holidays for peace of mind
  • Over 100 activities covered for free

You may be enjoying a short 2 night trip to the medieval city of Bruges costing less than £250 per person or setting off from Dubai to Southampton on a 91 day Cruise costing from £8,000 per person. From one extreme to the other, we can cover your cruising holiday!

Summary of the benefits of cruise travel insurance cover

For full terms and conditions, please read the Policy Wording.

  • Cancellation
  • Departure delay
  • Missed departure
  • Abandonment after 24 hours
  • Personal possessions
  • Individual item
  • Valuables in total
  • Possessions delayed in transit (more than 12 hours)
  • Personal money (cash limit)
  • Loss of travel documents
  • Emergency medical expenses
  • State hospital benefit/cabin confinement
  • Curtailment
  • Personal liability
  • Personal accident
  • Legal advice & expenses
  • 24/7 emergency medical helpline
  • Cruise

  • up to £9,999 (amount shown on schedule)
  • £30/12 hours up to £150 in total
  • £1,000
  • up to selected sum insured on schedule
  • £2,500
  • £250
  • £400
  • £200
  • £1,000 (£250)
  • £500
  • £10,000,000
  • £50 per day, £1,000 in total
  • up to selected sum insured on schedule
  • £2,000,000
  • £10,000
  • £25,000
  • yes
  • Excess up to age 70 (71 years +)

  • £100 (£150)
  • Nil
  • Nil
  • £100 (£150)
  • £75 (£75)
  • Nil
  • £75 (£75)
  • Nil
  • £75 (£150)
  • Nil
  • £100 (£150)
  • £250 rented property damage £50 all other claims
  • Nil
  • £75 (£75)

Cruise Insurance FAQs

What is the maximum duration?

Our policy covers cruises up to 6 months in duration (or 186 days).

Why do I need specialist cruise insurance?

Other 24/7 travel insurance policies exclude cruises, but it doesn't matter, we have a specialist cruise insurance policy specially designed for cruise holidays.

Not only can you get much higher cancellation limits (up to £9,999 per person) but you also get other special benefits including higher medical and repatriation limit (£10,000,000), and cover if you are confined to your cabin.

Other standard travel insurance policies will not provide these levels of cover and you could find yourself out of pocket

What is an excursion?

An excursion is a trip that you take once you are at a port.

You can plan these before you depart and they can help you make the most of your time at shore.

From bus tours to a round of golf and water sports to stunning scenery, your travel agent can give you a list of excursions they recommend.

Are there any safety tips for cruising?

See our blog post on Cruising safely – on and off the ship for tips.

How do I know how much cancellation cover I need?

You need to know how much your cruise is costing you which includes travel to your cruise departure point, the cruise itself including any extras such cabin upgrades, any excursions you have pre-booked and pre-paid for and travel back to your home.

When you get a quote you will be asked for the amount of cancellation covered needed per person. If you are unsure, take the total amount and divide it by the number of people in the party.

If you have any problems or need clarification on something, please call us on 0845 260 1580 or 02392 419 044. We are open Monday to Friday 8am – 6pm, closed Bank Holidays.

What is a pre-existing medical condition?

Any serious or recurring medical condition which has been previously diagnosed, investigated or treated in any way, at any time prior to travel, even if this condition is currently considered to be stable and under control. These include:

  • any heart or circulatory condition
  • a stroke or high blood pressure
  • a breathing condition (including asthma)
  • any type of cancer
  • any type of diabetes
  • any psychological conditions, including stress, anxiety, depression, eating disorder or mental instability (no cover can be given for this)
  • any condition where the client has been given a terminal prognosis (no cover can be given for this)

Any condition where the client:

  • had treatment in the last 2 years for any serious or re-occurring medical condition
  • has been asked to take regular prescribed medication in the last 2 years
  • has been referred to a specialist or consultant for hospital tests, diagnosis or treatment in the last 2 years
  • is waiting for any routine non-emergency tests or treatment of any description
  • has had their regular prescribed medication changed by their doctor in the last 6 months.

Can a non-resident of the UK purchase a policy?

24/7 cruise insurance is available to residents of the United Kingdom, the Channel Islands and the Republic of Ireland only.

Do I need Worldwide cover for a European Cruise which has an overnight stop-over in Israel or Egypt?

Yes, as your trip includes an overnight stop-over.

Where the trip on land is less than 12 hours and is all during daytime with the ship leaving in the evening this can be included as Europe on a European Cruise.

Is there a dress code?

If you've never been on a cruise before, it can be difficult to know what to wear onboard. You may have seen films like 'Titanic' where all the passengers are dressed up in their best finery, but you don't actually have to go all out all of the time. Read up on what the dress codes are for each of the restaurants on different nights to see how much you need to dress up and follow the guidelines accordingly. Make sure you have some nice outfits just in case you do need to dress up on a couple of evenings.

Is there a charge for extra entertainment?

Cruises are considered to be all inclusive holidays so it can be difficult to know what is part of your package and what is classed as an extra. There are normally several different forms of entertainment going on onboard and some of them may be chargeable outside of your package. Find out exactly what's included before you book and be aware of anything that may cost you extra. For example, you can often find that some drinks are included in the price, but you're charged extra for alcoholic or carbonated beverages.

Do I need a passport?

Given that on a cruise you spend most of your time on a ship, it is a common question that passengers ask. Bear in mind that you do make port, often in several countries and there is the opportunity to go on land and visit the local area. It's always worth making sure you take your passport and that it has long enough on it to see you all the way through your cruise. The key here is that it's better to be safe than sorry.

Can I contact people back home?

When you're out in the middle of the ocean, it's highly unlikely that your mobile phone is going to pick up a signal. However, many cruise ships now have onboard Wi-Fi so you can connect to the internet, using Skype or email to get in touch with people back home. Some ships also have phones that you can use to call as and when you need to. A pay as you go option is often available on a lot of ships, so if you just want to touch base a couple of times on your trip, this may be the best option.

What if I smoke?

The vast majority of cruise ships operate a no smoking policy on the majority of the ship. However, smokers can go to designated areas on the ship, away from the non-smokers onboard. Many ships are also very strict on the age limit of people smoking and won't allow under-18s to purchase or consume any tobacco products onboard. While you may legally be able to smoke under this age in some countries that you visit on your cruise, the ship will stick to this rule throughout your trip.

What if I get sick onboard?

Cruise ships have onboard medical staff and even a hospital so you will be able to get treatment if anything should happen. In severe cases, the ship will head to the nearest port if you need to get specialist treatment or go to a proper hospital. Make sure you have travel insurance before you leave, so that you aren't landed with a huge bill. Check to see if your policy covers you for cabin confinement and repatriation which are special to cruise specific policies.

Cover options

Activities

We include over 100 activities at no additional cost on our policies including swimming, tennis, beach games, ten pin bowling, team games, snorkelling and many more.

View activities covered for free before you travel

If you know you will be taking part in a more hazardous sport due to an excursion you have booked, check out our seven other activity packs and add them to your policy for an additional premium.

Further activity packs available

If you find that you are already travelling and your current policy doesn't cover you for an activity you want to take part in, call us on 0845 260 1580 or 02392 419 044 and we may be able to include it for you (additional premium may be payable).

† Cruise £11.04 – Based on an individual aged between 18 and 50 going on a cruise with a holiday value of £499 and travelling around Europe.

Specialist cruise insurance with high cancellation limits
Brand: 24/7 travel insurance
£11.04