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Introducing the new Ready-Made Pension

A simple, hassle-free way to save for your retirement.

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Benefits and rewards all in one place with our packaged bank account for a £17 monthly fee.

From 1st July 2024, we’re making some changes to this account. The £17 monthly account fee will increase to £19 per month. In addition, we’re removing our foreign currency fees when you use your debit card for this account. Before deciding if this is still the right account for you, it’s important you read the Guide to Changes (PDF, 51KB) . This sets out all the detail on what’s changing.

Existing Ultimate Reward Current Account customers

Benefits that come with this account

Worldwide family travel insurance.

Multi-trip travel cover for you (under the age of 71) and your family (subject to eligibility).

Includes cancellation, medical costs and personal belongings cover.

Cover for certain winter sports, golf trips and UK breaks.

Administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

More on travel insurance benefits and exclusions

COVID-19 key points

AA Breakdown Family Cover

Covers Roadside Assistance and At Home in the UK, Channel Islands and Isle of Man.

The policy offers cover for you and your eligible family members, whether driver or passenger in any eligible vehicle

Provided by Automobile Association Developments Limited (trading as AA Breakdown Services)

More about AA Breakdown Family Cover benefits and exclusions

Mobile phone insurance

Covers breakdown, accidental damage, loss and theft up to £2,000.

Covers one phone per account holder.

Arranged through Lifestyle Services Group Limited with a single insurance provider, Assurant General Insurance Limited

More on mobile phone insurance benefits and exclusions

Home emergency cover

For sudden unexpected incidents that need immediate action to make your home safe and secure.

A qualified person chosen by the insurer will be provided to deal with the emergency.

Cover is for up to £250 per claim including VAT.

Underwritten by Inter Partner Assistance S.A. (IPA)

More on home emergency benefits and exclusions

Important information for customers with pre-existing medical conditions expandable section

Pre-existing medical conditions aren't covered under this policy, unless they are agreed with the insurer first. An additional premium may apply. If this affects you contact Allianz Assistance directly to find out more.

You might want to visit the Money Helper service, which lists firms offering travel insurance for customers with medical conditions. This could help if you’ve been offered cover with a high premium, been refused, or have had cover cancelled due to medical conditions. Think about what might suit your needs best and who you need specialist cover for. For more information  access the directory , or call them on  0800 138 7777  (Mon – Fri 8am to 6pm).

I'm ready to apply

Get more from your bank account with a monthly reward.

You can receive a Reward Extras offer each calendar month – by choosing one of the below offers for your Ultimate Reward Current Account. You’ll need to meet a set of conditions each month to get Rewarded.

Pick one of the following monthly rewards each year

£5 in your account.

Paid direct into your account

1x Cinema Ticket

See a film on us at any UK Vue Cinema (each ticket is valid for 12 months)

3x Digital Magazines

Choose from popular titles such as Cosmopolitan and Men's Health

How to qualify for a monthly reward

Choose to either.

• Spend £500 on your debit card each month
• Keep £5000 or above in your account each day of the month
• Pay in £1500  or more into your account each month
• Stay in credit  (keeping your balance at £0 or above)

To find out more take a look at our section on Reward Extras

With an Ultimate Reward Current Account you get

• Account Benefits Hub  - a handy feature allowing you to obtain account benefit information, submit and manage claims online & in our mobile app
• Exclusive Savings offers –  You’ll get exclusive access to our  Reward Bonus Saver  and  ISA Reward Bonus Saver  accounts
• Family Boost Mortgages  - Access to our  Family Boost mortgages
• Preferential travel money rates  – benefit from improved rates on your  travel money
• Up to 15% Cashback  - activate your offers using our mobile banking app or Online Banking and earn as you shop with  Cashback Extras . Merchant offers and cashback amounts vary
• The option to apply for an  arranged overdraft  - all overdrafts are subject to our assessment of your circumstances, and are repayable on demand
• Save the Change  - round up your card payments and put the change in your Halifax savings account with Save the change®
• Money Smart  - you can open our bank account and savings account for 11 to 15 year olds

Our mobile app features expandable section

• Contactless payments  - pay, tap & go with a Visa Debit Card up to £100. You can now use our mobile banking app to  choose a contactless payment limit  between  £30 & £95 . You can also add your card to Apple Pay and Google Pay
• Quick, secure sign in  - with the option to use fingerprint or other biometrics on compatible devices
• Freeze your card  - if you lose it or want to limit how it's used
• Cheque scanning  - pay in cheques of up to £10,000 in to your account by simply taking a photo of your cheque and uploading to the app. There is a maximum daily limit of £10,000 per day
• Check your credit score  - register to use Your Credit Score using Online Banking or our Mobile Banking app
• Mobile alerts  - you'll get alerts straight to your phone so you can stay up to date on your finances

Open an Ultimate Reward Current Account today

Download the app to apply.

Get a decision within 8-10 minutes

• Scan the QR code and join the millions of Mobile Banking app  users
• Apply for a new bank account
• Change your existing Halifax current account

Apply on the website

I'm a new customer

I'm an existing customer

Do you want a joint account?

Joint bank accounts are an easy way to help two people manage money together.

More about joint accounts

• Join the millions of Mobile Banking app users

Apply with our app

Joint bank accounts are an easy way to help two people manage money together.  

Still need some more information?

Switching to halifax expandable section, switch to us in seven working days.

Switching to us is quick and easy. Just fill in our simple online form and let us take care of the rest.

With the Current Account Switch Service, we'll switch your accounts within seven working days. And we handle all the admin - we'll set up your new account, transfer your Direct Debits, and close down your old account for you.  

How does the Current Account Switch Service work?  

New Customers Apply for a new current account and select to switch.

Existing Customers Sign in and complete our switching form .

You can continue to use your old account and your Halifax account.

We will transfer all your standing orders, direct debits, payments and wages from your old account to your selected account.

Switch complete.

We will close your old account and move any funds to your Halifax account. 

6 months 0% interest free arranged overdraft when you switch

To help you during your switch, we may be able to arrange an interest-free arranged overdraft for 6 months, subject to application and approval. An arranged overdraft can act as a useful safety net. You can use it to borrow money up to an agreed limit through your bank account.

To qualify for the interest-free offer you must:

• Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Halifax account.
• Have not used the offer within the last 12 months.
• Have applied, and been approved for an arranged overdraft on your new Halifax account.

What happens after the 0% interest free period ends?

Once your six month interest-free period ends we will charge interest daily. The daily arranged overdraft interest rate will be based on how you manage any accounts with us and on the credit information we hold about you. We will let you know this rate in the pre contract credit information we give you if you apply for an arranged overdraft.

Representative example (based on using an Ultimate Reward Current Account)

An arranged overdraft on an Ultimate Reward Current Account has a variable interest rate of  39.9% EAR , and a variable representative rate of  61.7% APR , based on borrowing  £1,200 .

The APR includes monthly account fees of £17 and an interest free amount of £50.

How does our overdraft compare?

You can use the representative APR to compare with other products or credit providers, this can help you make sure that you choose the right type of borrowing for you.

How much does my overdraft cost in pounds and pence?

As an example, the interest cost of borrowing £500 is:  £2.87  for 7 days,  £12.42  for 30 days and  £25.18  for 60 days.

Arranged overdrafts are subject to application and approval and repayable on demand. You must be 18 or over to apply. Arranged overdraft limits and interest rates vary based on your individual circumstances.

More about switching

Apply and switch now

Current Account Switch Guarantee

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

• The service is free to use and you can choose and agree your switch date with us.
• We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
• If you have money in your old account, we will transfer it to your new account on your switch date.
• We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
• If there are any issues in making the switch, we will contact you before your switch date.
• If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

For more information and FAQs, please read the Account Switching Guide (PDF 1.7MB) .

Cashback Extras expandable section

Whether it's the weekly shop, popping out for lunch or hitting the high street, Cashback Extras makes it easy to earn up to 15% cashback. The offers you get will come from places you might like to try, as well as places where you already shop. Merchant offers and cashback amounts vary. The retailers above are just some of the offers you may receive, merchant offers and cashback amounts vary

• Quick and convenient - select to activate your offers using our mobile banking app or Online Banking.
• Spend and earn - Use any of your Halifax debit or credit cards with your chosen retailers, in store or online, in line with the offer conditions. Your cashback will be paid into your current account at the end of the following month.
• Straightforward - you can keep track of the amount of cashback you've earned by visiting the Cashback Extras hub.

Save the Change expandable section

Struggling to save? We’ve come up with a simple way to turn your pennies into pounds

Switch on Save the Change® and when you buy something with your Halifax debit card, we’ll round up the amount to the nearest pound. At the start of the next working day, we’ll transfer the difference into your nominated Halifax savings account.

For example, if your coffee costs £2.20, we’ll transfer 80p from your current account into your savings account.

It’s a clever feature that takes your leftover change and builds it into bigger savings.

Find out more about Save the Change

Switch on Save the Change

Back to the top

Arranged Overdraft expandable section

An arranged overdraft can act as a short term safety net. You can use it to borrow money up to an agreed limit through your bank account.

• You can apply to add an arranged overdraft to your account and you’ll only pay daily arranged overdraft interest if you use it.
• If you use your arranged overdraft but pay it back before the end of the day, then you won’t pay any arranged overdraft interest for that day.

Helpful tools - You can use our eligibility checker and cost calculator to check your eligibility and calculate the cost of an arranged overdraft.

Applying for an arranged overdraft  - When you have applied for this account, at the end of the application you can apply for an arranged overdraft which you can add right away. You can also apply for one later.

Amending an arranged overdraft  - You can reduce or remove your arranged overdraft at any time through Mobile Banking, Online Banking or Telephone Banking or by visiting your branch. But you must repay anything you owe if you want to remove an arranged overdraft or anything over the new reduced limit you want. You can also apply to increase it. Using an arranged overdraft increases your overall borrowing and may affect your credit score.

If you don't have enough money in your account or available arranged overdraft to make a payment, we may either let you borrow through an unarranged overdraft or refuse to make the payment. Missing payments and using an unarranged overdraft can damage your credit score, please get in touch with us as we may be able to help you.

Applying for this product does not improve your eligibility for an arranged overdraft. 

All overdrafts are subject to application and repayable on demand. You must be 18 or over to apply.  

Please read our important information on overdraft rates and charges  

Arranged overdraft details.

• £50 interest free amount
• 39.9% EAR (variable) representative
• Your interest rate will be based on how you manage any accounts you have with us and on the credit information we hold about you
• No unarranged overdraft interest, fees or charges

Representative example

As an example, the interest cost of borrowing £500 is:

Useful tools

You can use our calculator to work out how much your anticipated arranged overdraft borrowing would cost over different periods of time. Check your eligibility and calculate the cost of an arranged overdraft:

Cost Calculator            Eligibility Tool

*EAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged over the year based on how often and how much you are overdrawn by, and the effect of compounding it – charging interest on interest already charged. This interest rate does not include any other fees and charges.

Find out more about arranged overdrafts

If you already have a current account with us and would like an arranged overdraft, you can apply for one through Online Banking or Mobile Banking. You can also apply to increase your existing arranged overdraft too.

Apply for an arranged overdraft

Family Boost Mortgages expandable section

Access to our Family Boost mortgages  –  this means your family could help with your deposit by putting 10% of the agreed property purchase price into a 3 year fixed term savings account.

Terms and Conditions expandable section

For more information and terms and conditions for this account, read the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB) .

For more information read the  Reward Extras Terms and Conditions (PDF, 54KB)

For more information on lifestyle benefits, read the  Lifestyle Benefits Terms and Conditions (PDF, 312KB)

For more information, read the Guide to Changes (PDF, 51KB)

More information about packaged bank account benefits

Aa breakdown family cover expandable section.

What you're covered for

The policy cover offers assistance at the roadside or at home if you or your eligible family member’s vehicle has broken down, whether as the driver or passenger.

There’s cover under the policy if your Ultimate Reward Current Account is open and you’re paying the monthly fee, This includes:

Mechanical breakdown - Assistance to deal with a breakdown on the road within the UK, Channel Islands and Isle of Man.

• Roadside Assistance - An AA Patrol will try to repair the vehicle at the roadside or, if this is not possible, arrange a tow to a local garage for you or eligible family members, the vehicle and up to 7 passengers.
• At Home  - Brings all the benefits of AA Roadside to your and your eligible family member’s doorstep and within ¼ mile from home.

With AA Breakdown Family Cover, there’s cover for account holders and certain family members in vehicles, whether you or they are the driver or the passenger. Family members must live at the account holder’s home address or, be temporarily living away from that address, but still within the UK (e.g. students). 

Eligible family members will include your:

• Siblings***
• Grandparents
• Children****
• Other family members*****

* including spouse, civil partner, fiancé/fiancée

** including stepparents, foster parents, father in-law, mother in-law

*** including brothers, sisters, brother in-law, sister in-law step-brothers, step sisters

**** including stepchildren, foster children, grandchildren, son in-law, daughter in-law

***** including aunts, uncles, nieces, nephews and first cousins

AA Breakdown Family Cover FAQ's

Please note:

• The service is only available in the UK, Channel Islands and Isle of Man.
• You or your eligible family member must be with the vehicle when it breaks down and when help arrives.
• There’s no cover when travelling in a car, van, minibus or motorcycle exceeding the weight restriction of 3.5 tonnes and max width restriction of 8ft 3in (2.55m).
• There may not be cover for same or similar causes of breakdown to that which the AA attended within the previous 28 days.
• The AA have the right to refuse to provide service if the vehicle is unsafe, unroadworthy, unlawful or you've failed to maintain it (for example no valid MOT or continued failure to refuel or charge your vehicle.)
• If you have an accident, the AA Breakdown Family cover does not provide vehicle recovery. The AA Accident Assist service may be available. See below for more information.

If you need breakdown assistance , please call:  0345 124 1400 .

You will need your Ultimate Reward Current Account sort code and account number to hand when you call.

The AA Breakdown cover is provided by Automobile Association Developments Limited, trading as AA Breakdown Services.

We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.

AA Accident Assist

AA Accident Assist is available to account holders only. This service could help if you or a person insured on your vehicle are in a motor accident where all parties are insured. The service could recover and fix your vehicle, provide a replacement vehicle or courtesy car and manage insurance claims.

The service is only available in England, Wales and mainland Scotland and is not available for motorbikes or mopeds.

We have included the AA Accident Assist terms and conditions in the Ultimate Reward Current Account Getting Started Guide. The link is provided below. You will only be asked to agree to the terms if you choose to use the service. The AA will check to see if you are eligible, talk through your situation, describe the help the service can offer, as well as any costs that may be involved, so that you can decide if you want to go ahead.

Please note that these are just some of the important points – full details of the conditions and exclusions can be found in the policy document included in the  Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

Travel insurance expandable section

• Worldwide multi trip travel - this includes certain winter sports and golf trips. There's also cover for UK trips which have at least 2 nights' pre-booked accommodation.
• Your children - there's cover for the children of you/your partner when travelling with either of you or another responsible adult, provided the children are 18 or under (24 or under if still in full time education). There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
• Your partner - a spouse, civil partner or partner.
• Personal Baggage - up to £2,500 if it is lost, damaged or stolen. This includes up to £500 for valuables, and up to £500 for a single article or pair or set of articles.
• Personal Money - up to £750 for loss, or theft. This includes up to £300 cover for cash. This is limited to £50 for under 16s.

Don't forget:

• Pre-existing medical conditions are not covered unless agreed with the insurer first. An additional premium may apply.
• The longest trip length is 31 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.
• £75 excess per adult per incident may apply.
• There is no cover if travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority.
• There is no cover if you cannot travel or choose not to travel because the FCDO, or any other equivalent government body in another country advises against travel due to a pandemic.
• To be covered trips must start and end in the UK.
• The policy only covers persons permanently resident in the UK and registered with a doctor in the UK.
• There is no cover for any amount recoverable from any other source such as your airline or your accommodation provider.
• All cover ends when the account holder turns 71. As long as the account holder is less than 71, their spouse, partner or civil partner will also be covered until they reach 71.

You can access your packaged bank account benefits, view policy details and make a claim in the app and via Online Banking.

• For app, click on ‘view account benefits’ from the more button or search for ‘account benefits’.
• For Online Banking head to the ‘account benefits’ section.

You can also make a claim by calling Membership Services   +44 (0)345 124 1400

If you’re abroad and need assistance, you can call Allianz Assistance’s 24 hour assistance helpline on  +44 (0)208 239 3931

Cover is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

Please note that these are just some of the important points - full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB) .

We will also provide you with the  Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.

Mobile phone insurance expandable section

Most of us would struggle without our mobile phones, so if it gets broken, damaged, lost or stolen there is cover for:

• Repair or replacement of your phone worth up to £2,000 (including VAT) per claim (replacement phones will come from refurbished or re-manufactured stock i.e. not brand new).
• One phone for you as the account holder, or up to two phones for a joint account.

Things to consider

• An excess of £100 is payable on all successful claims.
• You can’t have more than 2 successful claims per account holder in any 12 month period.
• If your phone is lost or stolen, you must let the police and your airtime provider know as soon as possible.
• You won't be covered for theft, loss, damage or breakdown where you have knowingly put your phone at risk or not taken care of it.
• You may be required to provide a proof of ownership to support your claim (for instance documentation from your network provider, till receipt etc.)

You can register your phone to make claiming easier Register your mobile phone details with the insurer via your online banking. Or call 0345 124 1400 . Lines are open from Monday to Saturday 8am to 8pm, and on Sunday from 9am to 5pm.

Please follow these steps to register your phone online:

• Sign into Online Banking . If you don't already use Online Banking you can register here .
• Select ‘More actions’ next to your Ultimate Reward Current Account.
• Then select ‘Account information and benefits’ and the ‘View account benefits.
• Register your phone with the insurer under the ‘Mobile phone insurance’ section.

Making a claim?

You can make a claim with the insurer by calling 0345 124 1400 . Lines are open from Monday to Friday 8am to 8pm, Saturday and Sunday from 9am to 6pm.

Mobile phone insurance is arranged through Lifestyle Services Group Limited with a single insurance provider, Assurant General Insurance Limited.

Please note that these are just some of the important points – full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB) .

Assurant provide a mobile device trade in service for UK resident Halifax customers. You can trade in eligible mobile devices for a cash payment directly into your current account.  More information on Assurant .

Home emergency cover expandable section

Home Emergency cover helps you deal with unexpected things that need immediate action to ensure your home is safe and secure. You never know when you might have to deal with your central heating failing or a pipe bursting in your home. The policy includes cover for up to £250 for the provider to choose a professional to deal with your problem.

The policy only covers home emergencies which need immediate action to:

• Make your home safe or secure.
• Avoid damage or prevent more damage.
• Get you electricity, gas or water back after total failure.

You are not covered if the home was left unoccupied for over 60 days.

If you need to make a claim, please note:

• You must contact the insurer before instructing any other tradesman.
• Are you a tenant? Ensure your landlord agrees before contacting the insurer.

If you don't do this, your claim could be rejected.

If you need to make a claim or want more information call 0345 124 1400 . Lines are open 24 hours a day, 7 days a week, 365 days a year.

You can also make a claim online using Online Banking or the Mobile Banking app. To do this, click on ‘Account Benefits’ under the ‘Benefits and Extras’ section and then select 'Home Emergency'.

Home emergency cover is underwritten by Inter Partner Assistance SA (IPA).

Travel Insurance Covid Cover information - Key points expandable section

• There is cover for emergency medical assistance overseas if you fall ill (including being diagnosed with an epidemic or pandemic disease)
• There is cancellation cover if you or your travelling companion are refused boarding on booked transport if the carrier or a Government authority will not let you travel because, at the point of boarding, you or they are showing symptoms of a contagious disease
• There is cancellation cover for anyone booked to travel and covered under the policy if they, or a companion they are travelling with, are asked to quarantine on an individual basis because of exposure to a contagious disease
• There won’t be cover if you’re abroad and you are instructed to return home, or choose to leave early to avoid having to quarantine when you get home due to the risk of exposure to a contagious disease. The instruction to return home could be from the UK Government or from the government of the country you’re visiting
• There is no cover for any amount recoverable from any other source such as your airline or your accommodation provider
• There is no cover if you choose not to or cannot travel because the FCDO (or any other equivalent government body) advises against travel due to a pandemic

Please read our travel insurance FAQs (PDF 1.45KB)

More information about additional account benefits

Reward extras expandable section.

Choose between:

• 3 x Digital Magazines  - Choose from popular titles such as Cosmopolitan and Men's Health
• 1 x Cinema Ticket  - See a film on us at any UK Vue Cinema (each ticket valid for 12 months)
• £5 in your account  - Paid direct into your account

How to qualify

Each month you meet your chosen set of conditions you’ll receive your reward by the 12th of the following month. If you choose a lifestyle benefit you’ll receive the offer to your registered email address. If you choose the £5 offer, we’ll pay it into your account and it’ll appear on your statement.

Choose either to:

• Spend £500  on your debit card each month
• Keep £5,000  or above in your account each day of the month

You will also need to pay at least £1,500 into your account each month and stay in credit (keeping your balance at £0 or above).

Magazine Subscriptions

Choose three digital magazine from a host of well-known titles. The magazines currently available are:

Cosmopolitan

Country Living

ELLE Decoration

Good Housekeeping

Harper’s Bazaar

House Beautiful

Men’s Health

Runner’s World

Women’s Health

How does it work?

A code will be sent via email to your registered email address with instructions on how to choose and access your magazines

Codes are valid for 12 months from the date of issue

Magazines can be read online or offline, through your internet browser, smartphone or tablet

Cinema Tickets

Enjoy one free cinema ticket each month to catch the latest blockbusters at Vue cinemas across the UK

You’ll also get a code for half price popcorn

You can use the cinema voucher for 2D, 3D or Xtreme films screenings. If there are any VIP seats available at your screening, then you'll get a free upgrade too

Codes are valid for 12 months, so you can save them for a film you’ve been waiting for

A ticket voucher code will be sent via email to your registered email address and can be used to make bookings online at  www.myvue.com  or at the box office at any Vue cinema in the UK only

Voucher codes are valid for up to 12 months from the date of issue and are not subject to time extensions

Voucher codes can be used to make bookings for 2D, 3D & Xtreme screenings any day of the week. No additional booking costs apply

Additional upgrade fees will apply

You can earn up to £5 each calendar month – that’s up to £60 a year

You can keep on top of your progress for each monthly £5 offer by using the Reward Extras Tracker

As long as you meet the criteria for Reward Extras and have selected the £5 benefit, you don’t need to do anything else

Reward Extras Frequently Asked Questions expandable section

How do I know if I'll get my reward each month?

Use the Reward Extras Tracker to check if you’re on course to get your reward each month.

You can find the tracker under your account options in Online Banking and the Mobile Banking App.  

When will I get my reward?

If you’ve done all the things we asked of you at the end of the month, you’ll get your reward around the 12th of the following month.

If you’ve selected a lifestyle benefit, you’ll receive the offer each month to your registered email address.

If you’ve selected the £5 offer, we’ll pay it into your account and it’ll appear on your statement. It’s as simple as that.  

What kind of spending counts towards the offer?

There are a few payments which don’t count for Reward Extras offers:

• When you take cash out of a cash machine, branch or Post Office counter.
• When you make a money transfer to another account.

Any payments being queried or disputed won't count towards the £500 or £5,000. And we’ll only count payments that leave your account by the last day of the month.

But all purchases on your card count. This includes purchases you make online, in-store and abroad.

You can also use digital wallets, like Apple Pay, Google Pay or similar schemes, as long as they’re linked to your registered debit card.  

Can I use this offer with a joint account?

Yes. Each month you just need to meet the offer conditions with your joint account.

Keep in mind, each joint account can only have one Reward Extras offer. You will only receive one benefit per account.  

How long does the offer last?

All offers will last for at least 12 full calendar months from the day you choose to add it to your account. So if you added the offer on 10 July this year, it would end on 31 July next year. If you met the conditions for the £5 reward from 10 July to 31 July this year, then you'd still get £5 for July as well.

Once you’ve added a Reward Extras offer, you can’t switch to another offer until the 12 months have passed.

We’ll get in touch before your offer ends to let you know what will happen next.  

What happens if I close my account?

You need to keep your account open to get your Reward Extras offer.

If you close your account before you’re due to get your offer then you won’t get your reward, even if you met all of the conditions in the previous month.  

When does my offer start?

Your offer will start on the day you add it to your account. If you’re renewing, it will start the day after the current one expires.

Money Smart expandable section

Money Smart is our bank account and savings account for 11 to 15 year olds with parental oversight. They get their own bank account and savings account and a contactless Visa debit card. Plus, there are no monthly fees and you get full visibility of your child’s account activity through our Mobile Banking app or Online Banking.

To open Money Smart with your child you must:

• be 18 or over and your child be between 11 and 15 years old
• have an existing Ultimate Reward Current Account or Reward Current Account
• have an existing Kids' Saver or Kids' Monthly Saver for the child
• be registered for Online Banking
• both be living at the same UK address . If you or the child live outside the UK, you won’t be able to open an account for them.

More about Money Smart

Preferential exchange rates expandable section

As an Ultimate Reward Current Account customer you get preferential exchange rates when ordering travel money with Halifax.

Ordering travel money online is simple and secure. If you order by 3pm your money will be sent to your home or local branch the next working day.

More about travel money

Already have an Ultimate Reward Current Account?

You can now view your policy details and make new claims in the app and Online Banking.

Explore Account Benefits

Have you seen the other accounts we have to offer?

Our Halifax Current Account allows you to manage your money 24/7, at home or on the go - a free everyday banking option.

Everyday banking and you’ll earn a reward each month you meet a set of conditions. You may need to pay a £3 monthly fee, this is waived each month you pay in at least £1,500 to your account.

Compare our full range of current accounts

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the  Lending Standards Board . 

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

Download the statement of responsibilities (PDF 60KB)

Speak to us

You can call us on  0345 720 3040   from 8am – 8pm, seven days a week. Not all Telephone Banking services are available 24 hours a day, seven days a week.

If you would prefer to see us in person, just pop into your local branch .

Halifax current accounts and services are offered subject to status. Available only to personal customers aged 18 or over who are resident in the UK.

Whether you can have an arranged overdraft and the amount will depend upon your personal circumstances at the time you apply for one. Any overdraft we agree is repayable on demand.

The insurance cover and other services that come with the Ultimate Reward Current Account Benefits Package are renewed every month and will end if: (i) your Ultimate Reward Current Account is closed; (ii) you fail to pay the monthly fee for the account; (iii) your account is changed to another type of account with us; (iv) your residential address is no longer in the UK. Any other insurance policies that you yourself have taken out at a discount as part of the benefits package will not be affected.

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Compare current accounts

We offer a range of current accounts to suit different needs.

The 5 best cruise travel insurance plans

While smooth sailing will always be the aim, cruising today is often about expecting the unexpected. You can prepare yourself by taking out an insurance policy that can compensate you when your vacation at sea does not go as planned.

Need to cancel your trip last minute due to an accident or illness? Did your bags get delayed or lost? Do you need to exit the sailing early to take care of an emergency back home? Was there a mechanical issue with the ship that required a change of itinerary, causing you to miss your flight home?

For cruise news, reviews and tips, sign up for TPG's cruise newsletter .

All of these contingencies and more can be covered; it's just a matter of finding the best insurance policy for you. Here's how to evaluate which plan is the right choice for you, as well as five of the best cruise travel insurance plans available.

The best cruise travel insurance plan will always be a 3rd-party option

No plan will meet the needs of all cruise travelers, so there is little benefit to booking the one insurance option recommended by your cruise line during the booking process other than convenience.

You'll often find more affordable rates, comprehensive coverage and favorable terms utilizing third-party insurance companies. You'll have a wide choice of plans, so you can pick the one that works the best for your situation.

If you're wondering where the best place is to purchase third-party insurance, "No one comparison site is getting preferential deals," says Stan Sandberg, co-founder of TravelInsurance.com . "Insurance carriers' rates are the same anywhere." However, these insurance comparison sites can help you directly compare the pricing and coverage of multiple policies by a range of preferred providers.

Look for the following coverage options and compare coverage amounts to determine which third-party plan is the best cruise insurance option for your upcoming trip.

Related: Cruise travel insurance: What it covers and why you need it

Trip cancellation

You'll want to be reimbursed if an unexpected event forces you to cancel your cruise. Be sure to read the fine print of your policy, detailing which specific reasons for canceling your trip are covered and not covered.

Trip interruption and travel delays

You'll also want to be covered if issues occur after travel begins. It's important to find "a plan that offers trip interruption if something does happen during your trip, along with a plan that offers emergency medical evacuation, coverage for travel delays and missed connection benefits," adds insurance expert Meghan Walch from InsureMyTrip .

Related: What happens if you miss your cruise

COVID-19 contingencies

Walch advises all travelers booking a cruise to consider a plan that includes cancellation coverage for COVID-19. Note that you'll need more than a home test to file a claim. According to Walch, "You'll need a doctor saying that you have been diagnosed with COVID and specify that you are unable to travel."

In addition, look for coverage if you get sick and need to isolate away from home. "Some plans offer additional trip delay coverage, put in place as a result of needing additional or higher limits for instances that might include if the policyholder gets quarantined in a location," Sandberg adds.

Cancel for any reason

A cancel-for-any-reason optional upgrade offers the most flexibility. You can get a refund of up to 75% if you cancel your voyage for reasons not usually covered by travel insurance. However, it adds about 40% to your premium and can only be purchased within a limited window of time after your cruise purchase.

Related: What happens if my cruise line changes my itinerary or ship?

Lost or delayed baggage

Baggage loss insurance covers your luggage if it is lost, damaged or stolen during your trip. In the case that you make it on the cruise and your bags do not, the insurance agency can assist with locating and redirecting the bags to your next port, reimbursing you for items you may need to purchase to get you through your travels while you are without your belongings and covering your losses in the case that the bag is actually gone for good.

Note that certain high-cost items such as electronics, luxury watches and fine jewelry are not always covered by baggage loss insurance. Consider purchasing additional coverage for such items or — better yet — keep those items with you at all times.

Health coverage

Medical coverage is another consideration. "Most domestic health coverage [including Medicare] does not cover travel abroad, so it is important to look at a travel insurance policy that offers medical coverage during your trip, just in case anything happens," says Walch. "If you fall ill or are injured during the trip, it can be pretty expensive – even when going to the ship's onboard medical facility."

Related: How to avoid getting sick on a cruise

Hurricane coverage

Extreme weather and hurricanes are typically not covered if the cruise commences as scheduled, though you might be eligible for trip interruption coverage if weather cancels the cruise or cuts the itinerary short. There are also insurance plans that offer trip reimbursement if a destination on your itinerary is under a National Oceanic and Atmospheric Administration-issued hurricane alert or warning.

How much will cruise travel insurance cost?

Insurance pricing is dependent on the trip cost and the age of the insured travelers. Sandberg estimates that "travelers in their 30s or 40s can ballpark insurance coverage somewhere around 5% to 7% of the trip costs, with rates that can get lower depending on the extent of coverage."

Insurance is a tiered product that gets more expensive as you age. "As you get older, that range can expand to 10% of trip costs," notes Sandberg. "Adding bells and whistles, like 'cancel for any reason' [coverage], rates can rise to 11% to 12% of the cost of your trip."

Related: How cruising newbies waste money on their 1st cruise

5 best cruise travel insurance plans

Following extensive research scouring the fine print, we've selected five of the best cruise insurance plans that will appeal to a variety of seagoing travelers.

All five plans provide coverage for COVID-19-related trip cancellation and interruption.

For the leisure cruiser: TravelSafe Classic Plan

TravelSafe's Classic Plan is the best value all-around for the average cruiser, with superior coverage limits at a fair rate.

This plan's coverage includes an impressive $1 million per person for medical evacuation and a high $2,500 coverage limit for bag loss. You have extra time – 21 days – from your initial deposit to add a cancel-for-any-reason upgrade to your plan. The accident and sickness medical coverage is primary, with coverage up to $100,000.

The policy's $750-maximum trip delay coverage begins after a six-hour delay and includes kennel fees for up to $100 per day, along with coverage for additional meal and accommodation expenses.

For the budget conscious: AXA's Silver Plan

AXA's Silver Plan is the company's entry-level offering, with more value added than most budget insurance options — most notably the company's concierge service. Coverage under this plan includes robust trip cancellation and interruption coverage, both at 100% of the costs, along with $100,000 for emergency medical evacuation.

The plan also offers identity theft assistance in case your wallet or passport gets stolen while traveling, assisting with filing and obtaining police and credit reports, taking inventory of lost or stolen items, and even wiring emergency funds to you when you're really in a bind.

You won't have the option to purchase a cancel-for-any-reason add-on or opt in for a collision damage waiver on this lowest-tier plan.

For the luxury cruise traveler: John Hancock's Gold Plan

John Hancock's Gold Plan offers robust medical evacuation and repatriation coverage up to $1 million per person, ideal for those luxury cruises that rove to the farthest reaches of the globe. The plan has excellent baggage loss coverage at up to $2,500 per person, along with a low three-hour minimum travel delay ($1,000 per person, $200 daily limit) benefit.

Preexisting medical conditions are covered by this policy, though you must purchase your policy within 14 days of your trip deposit.

For increased medical coverage: Seven Corners' RoundTrip Choice Plan

Seven Corners' RoundTrip Choice Plan offers primary medical coverage for emergency accident and sickness medical expenses up to $500,000, while many other plans only offer secondary coverage. The plan's medical evacuation coverage is high at $1 million, and preexisting conditions are covered with a few conditions that apply, namely that you purchase the policy within 20 days of your initial trip payment.

The policy also offers detailed, robust COVID-19 coverage, including reimbursement for medical care if you contract COVID-19 while traveling. Its coverage also includes meals, local transportation and lodging if you're delayed six or more consecutive hours due to quarantining with COVID-19.

Coverage options on the plan may vary slightly depending on which U.S. state you claim as your residence.

For the adventurous cruiser: World Nomads' Explorer Plan

World Nomads is one of the few insurance companies that will cover more than 200 adventure activities on your travels, including scuba diving, skydiving and bungee jumping. The coverage for the long list of activities includes emergency medical expenses while outside the U.S., medical evacuation and repatriation, along with trip interruption.

World Nomads' Explorer Plan also offers $25,000 in coverage for nonmedical emergency evacuation for covered events, such as a natural disaster or political or security situations.

Travelers 70 and older are required to add a "Silver Nomads" policy, offered through TripAssure.

Bottom line

Cruising isn't always a blissful week spent relaxing on the pool deck or snorkeling among multicolored reefs. Mishaps occur, whether it's losing luggage, missing a flight or falling ill.

The best cruise insurance policies are the ones that won't let you sail without a safety net, charging a fraction of your trip expenses in exchange for the peace of mind that there's a plan in place should something go wrong. With a range of pricing and coverage options available, you can feel confident that you can find a policy to suit your travel needs.

Planning a cruise? Start with these stories:

• The 5 most desirable cabin locations on any cruise ship
• A beginners guide to picking a cruise line
• The 8 worst cabin locations on any cruise ship
• The ultimate guide to what to pack for a cruise
• A quick guide to the most popular cruise lines
• 21 tips and tricks that will make your cruise go smoothly
• 15 ways cruisers waste money
• The ultimate guide to choosing a cruise ship cabin

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Here are the 5 best cruise insurance plans

Cruise insurance can cover many situations, but you need to shop around to find the best coverage..

A cruise is an ideal vacation for anyone who likes the all-inclusive concept , where you pay one price and have just about everything taken care of, from accommodations to meals and activities. But they also aren't always cheap and a lot of things can go wrong. You could have a flight delay that causes you to miss your departure or be unable to sail because of a sickness. In these situations, cruise insurance can reimburse you for prepaid and non-refundable expenses.

CNBC Select analyzed 19 cruise insurance companies and selected the best plans for various situations. (See  our methodology  for more information on how we chose the best cruise insurance plans.)

Best cruise insurance

• Best overall: Nationwide Travel Insurance
• Best for affordable coverage : AXA Travel Insurance
• Best for adventure excursions: World Nomads
• Best for pre-existing conditions: Seven Corners Travel Insurance
• Best for cancel-for-any-reason coverage: Travel Guard Travel Insurance

Best overall

Nationwide travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Nationwide's wide coverage for travel insurance allows many different types of travelers to find coverage that fits their needs. Three levels of cruise insurance coverage gives extra options to cruise passengers.

24/7 assistance available

• 10-day review period on cruise insurance policies to make sure the plan meets your needs (not available in NY or WA)
• Most basic cruise plan doesn't offer CFAR coverage

Who’s this for? Nationwide is a top choice for many travelers due to its variety of cruise-specific coverage. The insurer offers three three tiers of cruise insurance, but its standard Universal Cruise Plan should meet many needs.

Standout benefit: Nationwide's cruise-specific plans can cover things like emergency accidents, sicknesses, itinerary changes, mechanical breakdowns and other trip interruptions or on-ship disruptions. The company also offers a 10-day review period on its cruise policies (not available in NY or WA), giving you extra time to look over the policy and ensure it’s a good fit. 

[ Jump to more details ]

Best for affordable coverage

Axa assistance usa travel insurance.

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

• Three tiers of plans available
• Highly rated for financial strength
• Cancel for any reason only available on highest-tier coverage

Who’s this for? Budget-conscious cruisers should consider AXA . In our research, AXA's Silver Plan stood out as the top budget plan for its mix of affordable premiums and essential coverage. CNBC Select also named AXA one of the best overall travel insurance providers .

Standout benefit: AXA's Silver Plan includes the standard coverage you need to protect yourself from delays and cancellations, as well as employment layoff coverage. This benefit reimburses you for prepaid and nonrefundable travel costs if you cancel because of involuntary layoff or you are terminated from your job. You only need to have been at your current employer for one continuous year to qualify, which is generous compared to other plans that require at least three continuous years of employment for this coverage — if it's even included at all.

Best for adventure excursions

World nomads travel insurance.

World Nomads offers travel insurance for all sorts of travelers, from families to solo adventure travelers. Policies are underwritten by Nationwide and offer strong coverage of emergency accident and illness situations, as well as emergency evacuation scenarios.

• Affordable coverage for many travelers
• Coverage for adventure activities like scuba diving, bungee jumping and more
• Lower trip cancellation limits than other travel insurance we reviewed

Who’s this for? World Nomads offers insurance underwritten by Nationwide , geared specifically toward thrill-seekers. The World Nomads Explorer Plan covers over 200 adventure activities and sports. With this plan, you can take part in just about any excursion without fear of negating your coverage .

Standout benefit: The World Nomads Explorer Plan covers baggage and personal items for loss, theft or damage for up to $3,000 and $1,500 per item. Sporting equipment is included in this coverage, so you can bring your golf clubs along on your cruise without worry.

Best for pre-existing conditions

Seven corners travel insurance.

Policies provide missed and delayed tour/cruise connection coverage. Cancel for any reason coverage and pre-existing conditions waiver are also available if you buy your plan within the specified time. ***CFAR and IFAR are subject to certain eligibility criteria and are not available in all states

• High coverage limits available
• Offers group insurance (10+ people)
• Covers Covid-19 illness
• Pre-existing conditions waiver not available for the Economy plan
• Cancel for any reason not available for the Economy plan

Who’s this for? Seven Corners offers a standard Trip Protection Economy plan and a more premium Trip Protection Elite plan. The Seven Corners Trip Protection Elite plan stands out for offering generous coverage limits and an add-on option for cancel for any reason (CFAR) coverage, which both pair well with its pre-existing conditions waiver.

Standout benefit: This plan's pre-existing conditions waiver for medical coverage applies to plans purchased within 20 days of booking and paying your initial trip deposit. That's a generous window compared to some plans which can require you to purchase insurance within seven to 14 days. If you don't purchase your coverage within the waiver window, this plan only considers conditions existing within the previous 60 days, whereas other plans may look back up to 120 days.

Best for cancel for any reason coverage 

Travel guard® travel insurance.

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Who’s this for? AIG's Travel Guard Preferred plan comes with a wide range of coverages and a variety of useful add-ons for an extra fee such as pet coverage , wedding coverage and cancel for any reason coverage (CFAR).

Standout benefit: The optional CFAR insurance for this plan begins at 12:01 a.m. on the day after you pay for coverage and ends two days before departure (or when the travel is canceled). This benefit reimburses up to 50% of the trip cost (up to $25,000 maximum), which includes reimbursement for:

• 50% of change fees
• 50% of cancellation penalties for unused travel
• 50% of award travel redeposit fees

More on our top cruise insurance plans 

Nationwide universal cruise plan.

Nationwide's standard Universal Cruise Plan will be more than sufficient for many cruisers. It offers strong coverage for many different scenarios, but if you're seeking higher levels of coverage or are taking a long cruise, you can opt for the Choice Cruise Plan, or the Luxury Cruise Plan, which offers the highest level of benefits.

Trip cancellation and interruption

The full trip cost (100%) is covered for both cancellations and interruptions. This includes canceling because of a Covid-19 illness .

Covered delays of six hours or more (or at least three hours for missed connections) are eligible for reimbursement of:

• Up to $500 per day
• $500 maximum

Medical coverage and evacuation and repatriation

• $75,000 in emergency accident and sickness coverage
• $250,000 in evacuation and repatriation coverage
• $750 in emergency dental treatment coverage

Pre-existing conditions

No coverage for pre-existing conditions that fall within 60 days of your policy's start date.

Notable perks

All of Nationwide's cruise plans, including the Universal Cruise Plan, include cancel for work reason coverage, meaning you may be covered if you need to cancel because of work-related issues, as well as coverage for extension of the school operating session. The Universal Cruise Plan also provides coverage for delayed and lost baggage, which begins to kick in after delays of eight hours or more, as well as coverage for trip delays of three hours or more for missed connections or other trip delays of six hours or more. You can also get reimbursed if your trip is canceled or interrupted because of terrorism (foreign or domestic) or financial default of the travel provider (14-day waiting period applies). Itinerary changes that cause you to miss a pre-paid excursion are covered by up to $250.

[ Return to summary ]

AXA Silver Plan

AXA offers three insurance plans, with the Silver Plan being the most affordable. The Gold Plan has most of the same types of coverage with higher reimbursement limits. Meanwhile, the Platinum Plan is for anyone who prefers premium benefits, such as cancel-for-any-reason coverage.

The full trip cost (100%) is covered for both cancellations and interruptions. This includes canceling because of a Covid-19 illness.

After a 12-hour delay or more, you're eligible for:

• Up to $100 per day
• Primary medical coverage of $25,000 per (covers Covid-19)
• Evacuation and repatriation coverage of $100,000 per person

No coverage for pre-existing conditions that fall within this policy's 60-day look-back period.

AXA's Silver Plan comes with coverage for delayed and lost baggage, including $200 per person for covered delays of 24 hours or more and $750 per person ($150 per item) for lost baggage and items. You can also get reimbursed if your trip is canceled or interrupted because of terrorism (foreign only) or financial default of the travel provider (10-day waiting period applies). If a hurricane or bad weather causes your travel provider to cease services for at least 48 hours, you can be reimbursed for up to the full trip cancellation/interruption coverage. Notably, you must purchase the coverage before a storm is named.

World Nomads Explorer Plan

The Explorer Plan is World Nomads' premium travel insurance plan and covers a longer list of activities than the Standard Plan. You can review the list of covered activities here and decide if the more affordable Standard Plan works for you.

Covered up to the trip cost with a $10,000 maximum.

Covered delays of six hours or more are eligible for reimbursement of:

• Up to $250 per day
• $3,000 maximum
• $100,000 in emergency accident and sickness coverage
• $500,000 in evacuation and repatriation coverage

No coverage for pre-existing conditions that fall within 90 days of your policy's start date.

This plan includes $35,000 in rental car damage coverage (where it's valid) due to collision, theft or a natural disaster. And an accidental death and dismemberment benefit of $10,000. When your baggage is delayed for more than 12 hours, you can be reimbursed up to $150 a day ($750 maximum) for any necessary personal items you purchase.

Seven Corners Trip Protection Elite

The Seven Corners Trip Protection Elite plan has generous coverage limits for evacuation and repatriation and accident and sickness. Seven Corners Travel Insurance plans also cover Covid-related illnesses.

Trip cancellations are covered for 100% of the trip cost and interruptions are covered for 150% of the trip cost.

Trip delays of six hours or more can qualify for reimbursement of:

• Up to $300 per day
• $1,500 maximum
• $250,000 in emergency accident and sickness coverage
• $1,000,000 in evacuation and repatriation coverage
• $750 in emergency dental coverage

Pre-existing conditions are covered if you purchase coverage within 20 days of making your initial trip deposit. If you don't qualify for the pre-existing conditions waiver, there is no emergency medical coverage for conditions existing within 60 days of your policy's start date.

This plan covers baggage delays of more than 12 hours for up to $600 and covers lost, damaged or stolen bags or personal items for up to $300 per item ($2,500 maximum). It also has missed cruise connection coverage of $150 per day for accommodations and meals ($1,500 maximum).

AIG Travel Guard Preferred

The CFAR coverage is available as an upgrade on Travel Guard's Preferred and Deluxe plans. If you don't need this optional upgrade, you could save money on your premium with Travel Guard's Essential plan.

Trip cancellations are covered for 100% of the trip cost (up to a max of $150,000) and trip interruptions are covered for 150% of the trip cost (up to a max of $225,000).

Trip delays of five hours or more can qualify for reimbursement of:

• Up to $200 per day
• $800 maximum
• $50,000 in emergency medical coverage
• $500 in emergency dental coverage

A pre-existing conditions waiver applies when you purchase coverage within 15 days of the initial trip deposit.

With this plan, you'll have coverage for lost, stolen or damaged baggage or travel documents for up to $1,000. You also receive baggage delay reimbursement for delays of more than 12 hours with a coverage limit of up to $250 per day ($300 maximum). If you miss a connection, you can be reimbursed up to $1,000 for unused prepaid or nonrefundable travel you missed and transportation expenses to rejoin your trip.

When should I buy insurance for a cruise?

It's usually best to purchase cruise insurance shortly after booking. This lets you take advantage of the protections sooner and qualify for certain benefits such as pre-existing condition waivers.

Is there a difference between travel insurance and cruise insurance?

Travel insurance typically covers cruises and other types of travel, whereas cruise insurance is designed to specifically protect you while cruising or getting to your cruise.

Does cruise insurance cover missed ports?

Cruise insurance may cover missed connections, but it's important to read your policy before you purchase it. Each policy has different limits on how much you'll be reimbursed and what exactly you'll be reimbursed for.

Bottom line

Cruise insurance plans protect you in all sorts of situations when something goes wrong while you're cruising. You can be covered for emergency medical expenses, trip delays, trip cancellations or interruptions and more. Shop around and compare providers to find the best cruise insurance policy for you.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every cruise insurance   review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best cruise insurance plans.

Our methodology 

To determine the best cruise insurance plans,  CNBC Select  analyzed the offerings of 19 insurance companies and compared them based on various factors. These included the maximum coverage limits, optional coverages, types of coverage, premiums and what the policies cover. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction.

We based premium costs on a sample cruise with the following details (when applicable):

• 40-year-old male
• Living in New York, New York
• Sailing for seven days in April
• Total trip cost: $2,800
• Destination: Mexico
• Flying to the port of departure

Sample quotes assumed that payments were made on the date of quoting.

Note that the premiums and policy structures advertised for cruise insurance companies are subject to fluctuate in accordance with the company's policies.

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The Best Cruise Insurance in April 2024

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Table of Contents

What to look for in cruise insurance

Factors we considered when picking the best cruise insurance companies, an overview of the best cruise insurance, best cruise insurance options, more resources for cruise travel insurance shoppers.

Cruising is back, but many travelers are still reluctant to board ships alongside thousands of other travelers. Cruise insurance has you covered if:

You need to be reimbursed for canceling your trip.

Your flight to the port gets delayed.

You need to pay for medical care if you get sick on board.

You need to fly home in case of an emergency.

Of course, there's much more than just this list that cruise insurance can cover.

No matter the reason you might be looking for coverage, here are some of the best cruise insurance companies available to help bring you peace of mind on your next experience at sea:

World Nomads .

Berkshire Hathaway .

Travelex Insurance Services .

Travel Guard by AIG .

When shopping for cruise insurance, make sure to look for coverage that offers the following:

Trip delay and cancellation.

Medical expenses, including emergency evacuation.

The option to cancel for any reason (including COVID-19).

Adventure activities if you’re planning certain onshore excursions.

Cruise insurance isn’t much different than traditional travel insurance. Any good travel insurance should cover cruises in addition to travel by air or car.

After our analysis, we've determined these are some of the best cruise insurance options available.

» Learn more: The best travel credit cards right now

We used the following factors to choose top insurance providers to highlight:

Specifics of coverage: Including what coverage plans include and whether they offer useful coverage and benefits for cruises specifically.

Amount of coverage: Including the maximum payouts for trip cancellation and trip interruption claims.

Cost: We compared prices to determine average costs across basic plans.

Customizability: We checked to see if policies allow users to customize options to suit their specific needs.

» Learn more: The guide to cruise travel insurance

We searched for quotes from several companies for a seven-day trip in February 2023 from the U.S. to Mexico. The traveler was 35 years old, from Georgia, and planned to spend $2,500 total on the whole trip, including airfare.

The average price of each company’s most basic coverage plan was $124. These policies didn't include optional add-ons, such as Cancel for Any Reason coverage or coverage for pre-existing medical conditions .

» Learn more: Should you insure your cruise?

Here’s a closer look at our five recommendations for cruise insurance and what makes them unique.

Allianz Global Assistance

What makes allianz global assistance a top choice for cruise insurance:.

Multiple policies are available for international and domestic travel.

Plans offer trip cancellation and interruption coverage for COVID-19.

Offers emergency medical and transportation.

For our test trip, Allianz Global Assistance’s basic plan cost $106, slightly below average.

World Nomads

What makes world nomads a top choice for cruise insurance:.

Adventure activities like mountain biking and scuba diving are covered, perfect for land-based experienced (though which sports are covered varies from plan to plan).

Offers comprehensive travel insurance plans for domestic and international travel.

Larger-than-average coverage for baggage loss and delays.

For our test trip, World Nomad’s basic plan cost $63, well below average. But the actual trip cost isn’t taken into consideration for trip cancellation and interruption coverage.

Berkshire Hathaway Travel Protection

What makes berkshire hathaway travel protection a top choice for cruise insurance:.

A wide range of comprehensive plans cover cancellation, emergency medical and transportation coverage, and emergency travel assistance.

A cruise-specific plan includes some compensation for cruise disablement and the most emergency medical and evacuation coverage of any of these plans.

There are many plans available, including plans that cover adventure activities.

A Berkshire Hathaway WaveCare cruise-specific plan was $202, quite a bit more than average, but with the most medical evacuation coverage.

Travelex Insurance Services

What makes travelex insurance services a top choice for cruise insurance:.

Three comprehensive plans are available.

Kids-included pricing is available with the Travel Select plan.

There's an option to add accidental death and dismemberment coverage to the basic plan.

The Travel Basic plan from Travelex Insurance Services cost $116 for our sample trip; just below the average for plans listed here.

Travel Guard by AIG

What makes travel guard by aig a top choice for cruise insurance:.

Cancel For Any Reason coverage is available as an optional upgrade on two plans.

A pre-existing condition waiver is also available as an add-on.

Travel Guard by AIG offers a basic Essential plan for $133, just a little higher than average, but adding coverage may raise that price.

Bookmark these resources to help you make smart money moves as you shop for cruise travel insurance.

The best travel insurance companies.

The best credit cards for cruises .

What is travel insurance?

Is travel insurance worth getting?

10 credit cards that provide travel insurance .

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Does Halifax Ultimate Reward Travel Insurance Cover?

• Coverage for you, your living spouse, and any children under the age of 18 (or 24 if they’re in full-time education).

Does Halifax travel insurance cover cancellation?

There is now coverage if you are overseas and are ordered to return home or prefer to leave early to avoid having to quarantine when you return due to an epidemic or pandemic declared by the World Health Organization (WHO) or a government body. The UK government or the government of the nation you’re visiting could issue the order to come home.

If you or someone you’re traveling with has scheduled to fly and the carrier or a government body refuses to allow you go because you or they are showing symptoms of a contagious sickness at the time of boarding, you or they are entitled for additional cancellation coverage.

If anyone traveling with the insurance holder has been advised to quarantine owing to a potential exposure to COVID-19, cancellation coverage will now be offered for those protected under the policy. Local lockdowns and a broader quarantine order are not included in this.

If you become unwell while traveling, you are still insured for emergency medical care. Anyone planned to go and protected under the policy will still have cancellation and medical coverage if they are required to quarantine on an individual basis.

On December 1, 2021, NHS Test and Trace / NHS Test and Protect (Scotland) contacts a friend you’re traveling with and informs them that they need to self-isolate and will be unable to accompany you. You will be insured for travel cancellation in this case.

You are scheduled to depart on December 1, 2021. There were no restrictions on traveling to your destination at the time you booked. The Foreign, Commonwealth and Development Office’s travel advice to that place changes two days before your journey begins, and now advises against all but essential travel. As a result, you must reschedule your vacation. You would not be protected for any cancellation expenses in this case, and you would need to seek compensation from the travel provider or another source, such as your credit card issuer.

It is critical that you study the terms and conditions of travel insurance to verify that the coverage matches your requirements.

What is covered by Halifax Ultimate Reward account?

The family travel insurance policy covers you, your spouse or partner (if you live together), and any children under the age of 18, or 24 if they’re in full-time education. Personal goods, specific sports and hobbies, and golf excursions are all covered.

Existing medical issues are not covered unless they are initially agreed upon with the insurer, in which case an additional premium may be required.

• Multi-trip travel around the world, including specific winter sports and golf excursions. There’s also coverage for UK excursions that include at least two nights of pre-booked lodging.
• Your children – any of your children who are 18 years old or younger, or who are 24 years old if they are in full-time education. When traveling with the account holder or a responsible adult, you are covered.
• As long as they reside with you, your partner can be a spouse, civil partner, or partner.
• If your personal baggage is lost, damaged, or stolen, you may be entitled to compensation of up to £2,500. This includes assets worth up to £500 and a single article, pair, or set of articles worth up to £500.
• Personal money is covered up to £750 in the event of loss or theft. This includes up to £300 in cash coverage. For those under the age of 16, the amount is limited to £50.
• Pre-existing medical issues are not covered unless the insurer has agreed to cover them.
• The excursion with the longest duration is 31 days. A maximum of 31 days of coverage in a calendar year for winter sports.
• Children are only protected if they are accompanied by you, the account holder, or another responsible adult.
• If you go against the recommendation of the Foreign, Commonwealth and Development Office (FCDO) or any regulatory authority, you are not covered.
• If you are unable to travel or prefer not to go because the FCDO or another equivalent government organization in another nation advises against travel due to a pandemic, you are not covered.
• When the account holder reaches the age of 71, all coverage terminates. As long as the account holder is under the age of 71, their spouse, partner, or civil partner (with whom they live) is insured until they become 71. Eligible children can also be covered if they are traveling with the policyholder’s spouse, partner, or civil partner.

If you need support when traveling abroad, dial +44 (0)208 239 3931 for Allianz Assistance’s 24-hour assistance line. Call Allianz Assistance at +44 (0)345 124 1400 if you need to lodge a claim or want additional information. You can also submit your claim online through the Allianz Assistance Hub, which is accessible via your banking app or Online Banking.

AWP Assistance UK Ltd (business as Allianz Assistance) administers the policy, which is underwritten by AWP P&C SA.

Please note that these are only a few of the key issues; the policy document included in the Ultimate Reward Current Account Getting Started Guide has complete details of the limitations and exclusions (PDF 1.3MB).

As part of the account application procedure, we will also send you the Insurance Product Information Booklet (PDF 2.4MB).

If your travel has been disrupted, you may also use our helpful travel disruption tool.

Do the Halifax do travel insurance?

Overview of Halifax travel insurance. Halifax’s Ultimate Reward Current Account package account includes travel insurance. For a monthly charge of £17, the account also includes AA breakdown cover, mobile phone insurance, and home emergency cover. AXA Insurance UK plc underwrites its insurance.

What is not covered in travel insurance?

Baggage delay, damage, and loss plans do not cover all of your belongings. Glasses, hearing aids, dental bridges, tickets, passports, keys, cash, and cell phones are all common travel insurance exclusions. These things are sometimes covered, but only up to a particular cost limit, so if you have several expensive electronic items (such as a laptop, tablet, and mobile phone), you may not have enough coverage to cover the loss of all of them.

Is Halifax Ultimate Reward account changing?

If we don’t hear from you by May 15, 2020, your account will be converted to a current account, and you won’t be eligible for monthly Reward Extras. You can upgrade to a Reward Current Account at any time after your account has been converted to a Current Account if you believe it is the ideal account for you.

We’re also adding a £3 monthly account maintenance fee on June 1, 2020, although this won’t apply if you deposit at least £1,500 into your account each month.

Between June and August, we won’t charge the £3 monthly account maintenance cost to help you get acclimated to your new account.

However, you must still pay £1,500 each month to be eligible for your reward.

To help you decide if this account is perfect for you, we’ve highlighted everything you’ll need to do to obtain Reward Extras.

Can I downgrade my Halifax Ultimate Reward account?

It’s good news for existing Halifax customers since if you haven’t received a switching bonus from Halifax since April 2020, you can still claim the bonus.

However, unlike Natwest, Halifax would not allow you to switch into an existing account and receive a bonus. You will need to create a new account.

If you have a Halifax “Current Account”

The Current Account from Halifax is a no-frills ordinary account. If you have this, all you need to do now is create a Reward or UItimate Reward account.

If you have a Halifax Reward account

Many of you, I’m sure, already have this account thanks to the generous £5 per month offer. As a result, you’ll need to create an Ultimate Reward account. You can downgrade the account once you’ve switched and received the money if you don’t want to maintain it (details below).

If you have both the Reward and Ultimate Reward accounts

If you already have both of these accounts, that shouldn’t be a problem.

Simply downgrade one of your existing Halifax accounts to a different type of Halifax account. After that, reapply for the same account. Then switch back to normal mode! Halifax has confirmed that this is acceptable.

Of course, there may be some differences in your insurance policies if you do this with the Ultimate Rewards account, so compare them before deciding to downgrade the old account.

How do I claim on my Halifax phone insurance?

If you haven’t already done so, you can register your mobile phone number with the insurer via online banking or by dialing 0345 124 1400.

Raising a claim

You must notify the authorities and your airtime supplier as quickly as possible if your phone is lost or stolen. If you do not do these steps, your claim may be denied.

• Your phone’s make and model. Check your instruction manual for this information, or remove the back cover and battery to find a label with this information.
• Your network/service provider. Tip: Your service provider’s information is frequently displayed on your phone’s screen or on your contract or monthly statement.
• The IMEI (International Mobile Equipment Identity) number is a unique identifier for mobile devices. Tip: Dial *#06# on your phone’s keypad to get this information shown on your phone’s screen.
• Click on your Ultimate Reward Current Account once you’ve enrolled into Online Banking.
• Then, under the ‘Account information and benefits menu,’ select ‘View account benefits.’
• Your policy information will be automatically loaded if you’ve already entered your mobile phone insurance data.
• If you want to file a claim, go to ‘View and update details’, then ‘Make a claim,’ and follow the onscreen instructions.

What is Halifax Reward net?

The Halifax Incentive account is now fee-free and offers a £2 monthly reward provided you deposit at least £750, pay out two or more direct debits, and keep your account in good standing. You have until June 12 to determine whether or not to opt-in if you opened your Rewards account after March 13th.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

Does Travel Insurance Cover Cruise Excursions? [Comparisons and Exclusions]

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Best Cruise Excursion Travel Insurance for Scuba Excursions: battleface

Best cruise excursion travel insurance for paragliding excursions: worldtrips, best cruise excursion travel insurance for bungee excursions: tin leg, best cruise excursion travel insurance for covid-19 coverage: aegis, best cruise excursion travel insurance for seniors: seven corners, what is cruise excursion travel insurance, travel insurance often excludes high-risk activities, credit card travel insurance may exclude high-risk excursions, what cruise excursion travel insurance costs, types of cruise excursion travel insurance, what to look for in a cruise excursion travel insurance policy, how to get travel insurance for cruise excursions, final thoughts.

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A cruise can take you to exciting destinations with adventurous shore excursions, but no trip is immune to unexpected interruptions. Cancellations, delays, missed port calls, or illness can all interfere with your plans. But cruise excursion travel insurance can help if you experience any of these unfortunate setbacks.

Cruise excursion travel insurance covers nonrefundable excursion costs and more , offering financial protection if you’re unexpectedly unable to complete your planned activities.

This guide highlights some of your cruise excursion travel insurance options, what you should expect to pay for it, common coverages, and how to choose the best policy.

The 5 Best Cruise Excursion Travel Insurance Plans

You have many options for cruise travel insurance that covers excursions, but you should customize your coverage based on your needs and planned activities .

Consider these cruise excursion travel insurance plans that offer good value for the coverage provided:

The battleface Discovery Plan covers trip cancellation, though you can add trip interruption coverage. There’s also hurricane and weather coverage, including common carrier delays, mandatory evacuations, and uninhabitable accommodations.

It offers up to $100,000 in emergency medical as primary coverage with a $0 deductible and up to $500,000 in medical evacuation and repatriation benefits . These benefits extend to excursions, including snorkeling and diving up to 40 meters deep, but deep-sea diving, skydiving, bungee jumping, and other extreme activities are excluded. For a 35-year-old cruising the Bahamas with plans to snorkel and scuba dive, our quote was $36.54 .

With the WorldTrips Atlas Journey Preferred plan , you can get covered for trip cancellation and interruption, emergency medical treatment, medical evacuation and repatriation, and more.

With an adventure sports upgrade, some covered activities include bungee jumping, cave diving, kitesurfing, paragliding, surfing, and diving up to 10 meters deep . There’s secondary emergency medical coverage of up to $100,000 with preexisting conditions covered if you purchase your policy shortly after booking.

Medical evacuation and repatriation benefits are $1 million , along with coverage for travel and baggage delays and loss of baggage or personal items. There’s also a missed connection benefit. Our quote for a 25-year-old cruising Cozumel with plans to paraglide came to $67 for full coverage .

Your cruise and adventurous excursions are covered by the Tin Leg Adventure travel insurance policy. This policy offers trip cancellation and interruption coverage, up to $100,000 in primary medical coverage, and $1 million in medical evacuation coverage.

Although this isn’t a Cancel for Any Reason policy , you can cancel for medical or work reasons to receive full reimbursement. You’re also covered for travel or baggage delays, missed connections, and loss of baggage or personal items. Limited sports and adventure activities are covered, and we confirmed bungee excursions are included in coverage with this policy. We got a quote for a 40-year-old cruising New Zealand with plans to bungee jump that cost $72 .

If you’re concerned COVID-19 could derail your cruise and excursion plans, it’s a good idea to select a policy with COVID-19 coverage, such as the Aegis Go Ready Choice plan . This travel insurance policy covers trip cancellation and has secondary medical coverage of up to $500,000 with COVID-19 coverage , whether you need to cancel or get medical treatment.

There’s also trip interruption coverage and up to $500,000 in medical evacuation benefits, along with benefits for travel or baggage delay, missed connections, and loss of baggage or personal items. There’s limited coverage for excursions and activities, with extreme sports such as bungee jumping, skydiving, cliff diving, and parasailing excluded from coverage. For a 45-year-old cruising Hawaii, our quote came to $54.22 .

Seniors purchasing cruise excursion travel insurance should expect to pay more than younger cruisers, but quotes and coverage are still reasonable.

The Seven Corners Trip Protection Basic plan offers trip cancellation and interruption coverage with up to $100,000 in secondary medical coverage and $250,000 in medical evacuation benefits.

The policy also covers missed connections, baggage and travel delays, and loss of baggage and personal items. Our quote for a 65-year-old cruising Norway came to $89 .

Cruise excursion travel insurance is travel insurance coverage that includes coverage for activities and tours you’re taking on your cruise . Generally, cruise travel insurance covers trip cancellation and interruption, medical emergencies, and travel support 24/7 , but some activities, such as adventure sports, may not be included. That’s where cruise excursion travel insurance comes in, extending cancellation, interruption, and medical benefits to cover your cruise excursions, too.

Is Cruise Excursion Travel Insurance Worth It?

If you’re planning pricey, nonrefundable cruise excursions, it’s generally worth insuring them. You could lose your excursion costs if you cannot get a refund for a canceled, delayed, or missed excursion. 

Cruise excursion travel insurance is often worth it for the medical coverage , too. Your regular health insurance may not extend to the location or activities. That means if you’re injured on a cruise excursion, you might not get any help with medical bills — unless you have cruise excursion travel insurance to cover your activities.

It’s a good idea to get travel insurance. Still, remember that some travel insurance policies cover low-risk activities such as hiking or snorkeling but exclude adventure sports such as diving or ziplining. 

Specific exclusions depend on the insurance policy, but these are some activities that may be excluded from standard travel insurance policies:

• Base jumping
• Bungee jumping
• Martial arts and combat sports
• Motor racing and motorsports
• Mountaineering and rock climbing
• Off-piste skiing and snowboarding
• Paragliding and hang gliding
• Scuba diving and deep-sea diving

You may need to upgrade your plan or add on activities coverage if the excursions you’ve planned aren’t covered by your travel insurance policy.

As with basic travel insurance, you may find your credit card travel insurance lacking coverage for adventurous cruise excursions. Generally, credit card travel protections are limited to basic medical expenses, trip cancellation or interruption, lost baggage, and travel accidents . 

Credit card travel protections often exclude extreme or adventure sports such as diving or ziplining, though you should read the terms and conditions of the benefit to be clear about what is and isn’t covered.

Consider upgrading your travel insurance to include your cruise excursions if you plan to do risky excursions not covered by your credit card travel protection.

Credit card travel insurance may not cover your cruise excursions, so find out the details of coverage and consider paying for travel insurance if your activities aren’t covered.

Cruise excursion travel insurance costs depend on your coverage, activities, and other factors, but you should generally expect to pay about 5% to 10% of your total trip cost for comprehensive travel insurance that covers cruise excursions.

Factors that influence the cost of your cruise excursion travel insurance policy include:

• Destination
• Trip duration
• Traveler age

What Cruise Excursion Travel Insurance Covers

Cruise excursion travel insurance is generally part of a comprehensive travel insurance policy that includes trip cancellation and interruption, medical emergency, baggage protection, evacuation and repatriation coverage, and more . 

Coverage specific to cruise excursions includes:

• Excursion Cancellations: You may be reimbursed if your scheduled excursion is canceled by the cruise line or tour operator.
• Excursion Delays: You could get compensation for missed time or an alternative activity if your excursion is delayed.
• Medical Emergencies: Your policy may cover medical emergencies that arise during the excursion.
• Missed Port Calls: If you can’t participate in an excursion because your cruise ship didn’t make the port call, you may be reimbursed.

Getting cruise excursion travel insurance that exclusively covers shore excursions is possible. However, this type of policy isn’t common. Most travelers find it more cost-effective and helpful to choose a comprehensive travel insurance policy that covers general cruise travel and cruise excursions.

As you consider cruise excursion travel insurance policies, you should shop around and get quotes from multiple companies. Consider these factors as you compare your options for cruise excursion travel insurance:

• Add-Ons: Optional coverage, such as Cancel for Any Reason coverage, can expand your protection.
• Cost: Consider each policy’s overall cost compared to its coverage value.
• Coverage for Your Excursions: Read the policy’s terms and exclusions to ensure your specific excursions or activities are included in the coverage. For example, exclusions may include adventure sports, diving, parasailing, and ziplining, though you may have the option to select coverage for these activities.
• Coverage Limits and Deductibles: Compare each policy’s coverage limits and deductibles to ensure they align with the cost of your excursions and planned travel.
• Exclusions: Understand what’s specifically excluded in the policy by reading the terms and conditions that stipulate situations and circumstances that aren’t covered.
• Extensive Coverage: Look for a policy that offers coverage for excursion cancellations, interruptions, delays, missed port calls, medical care, and 24/7 assistance services.
• Provider Reputation: Read reviews to learn about the provider’s customer service, claims process, and other insights into what working with the insurance company is like.

To get cruise excursion coverage, you’ll need to do 2 things:

• Include the cost of your cruise excursions in your total trip cost when you get travel insurance quotes.
• Ensure you select a travel insurance policy that covers cruises and the activities you plan to do , such as adventure sports.

Start by researching and choosing a comprehensive travel insurance policy covering cruises and the specific excursions you’ve planned. Calculate your total trip cost, including all nonrefundable prepaid expenses, such as your cruise fare and excursions. Then, review the policy details, including the terms and conditions, to confirm whether your cruise excursions are covered, specifically looking at exclusions and limitations of the policy.

Once you’ve found a policy that meets your needs, purchase it and retain your documentation, including policy details, coverage, and contact information to get help on your trip if needed.

Cruise excursion travel insurance can be a valuable addition to your cruise plans, protecting you from nonrefundable excursion costs and offering medical coverage for activities. As you shop for travel insurance for cruise excursions, ensure you include the cost of your excursions in quotes and confirm that the policy covers all of your planned activities so your entire cruise is covered onshore and off.

Frequently Asked Questions

Does my health insurance cover me on a cruise.

Cruise health insurance coverage depends on your health insurance provider and where you’re cruising. Before you set sail, check with your health insurance company to confirm your coverage and any limitations. You may be able to add a cruise supplement if your health insurance doesn’t cover cruises.

Are cruises covered under travel insurance?

Yes, cruises are generally covered by comprehensive travel insurance plans. These plans cover your travel to and from the port, the cruise, and beyond, with trip cancellation and interruption coverage, medical emergency coverage, and coverage for lost luggage, evacuations, and more. You should confirm with the insurer that your policy covers missed port calls and other cruise-related incidents. If you want to cover cruise excursions, be sure to include the cost of excursions in your total trip cost and confirm that your planned activities aren’t excluded from coverage.

What is cruise coverage on travel insurance?

Cruise coverage on travel insurance is specific to cruises, such as missed port calls or onboard medical emergencies.

Is travel insurance worth it for a cruise?

Cruise travel insurance is generally worth the cost. Cruise lines tend to be unforgiving with cancellation policies, so trip cancellation coverage can come in handy. And if you experience an illness or accident on your cruise, travel insurance can help you get and pay for the medical care you need. Covering your excursions makes sense, too, if your excursion costs are nonrefundable.

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A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Best Cruise Travel Insurance Plans of February 2024

(Updated Feb 2024) Here are the best plans to cover your cruise, plus everything else you need to know about cruise travel insurance

Looking for the best cruise travel insurance for your upcoming trip?

Your search ends here. Our complete guide features the best cruise travel insurance plans. But we’re not just going to give you a travel insurance for cruise recommendation. We’re going to walk you through everything else you need to know about insuring your cruise. You’ll learn about the various types of coverage – including trip interruption coverage, medical emergency coverage, and much, much more.

Cruises are one of the most insured types of trips because this style of travel comes with unique risks. In fact, over 75% of cruisers buy travel insurance for their trip, versus about 40% of travelers in general.

What are these cruise-specific risks? You might have connecting flights to catch the departing ship. Your cruise could be during hurricane season. When you’re on the cruise you will be far from hospitals. Cruise companies also have strict cancellation rules. These policies put your trip expenses at risk if you need to cancel. This is the beauty of purchasing cruise travel insurance – you gain peace of mind knowing that in a worst case scenario, you aren’t out the thousands of dollars you spent on the adventure.

Before we unveil the best cruise insurance companies and plans of the year, we want to talk about the type of coverage we recommend you get.

Criteria for cruise travel insurance coverage

I recommend the following standards for choosing a plan, and will expand on each at the end of the guide. These criteria are mandatory for my picks:

• Trip cancellation includes Covid coverage
• Emergency medical includes Covid coverage
• Emergency medical coverage is $100,000 min.
• Medical evacuation coverage is $250,000 min.
• ‘Cancel for any reason’ available

I recommend the above criteria, and my picks meet these standards. The following criteria are good to have if possible. I factor these into my choices:

• Hurricane & weather cancellation coverage includes NOAA hurricane warnings
• Hurricane & weather coverage triggers at 12 hours or less
• Itinerary Change coverage included
• Missed Connection coverage included

Now, we’ll talk you through the importance of various types of travel insurance coverage for cruises later on. Right now, we’re excited to unveil the best cruise insurance plans of the year for travelers just like you. We’ll start off with a recommendation for most travelers:

Best cruise travel insurance for most travelers

This is my top cruise plan based on the criteria above, individual plan features, and cost. Below I have also selected a best plan for families and seniors. All recommended plans are from A.M.Best Rated reputable companies that specialize in travel insurance.

What makes this the best overall plan? This plan covers hurricane warnings, while many plans don’t. It has missed connection coverage to help you “catch up” to your ship. It has itinerary change coverage if unexpected changes happen. It has the option for Cancel For Any Reason coverage, which has become very popular since Covid. Finally, it is fairly priced so you get good value for the money.

• Covid covered for sickness cancellation and emergency medical
• $100,000 Emergency Medical (Primary)
• $1,000,000 Medical Evacuation
• Cancel For Any Reason upgrade is available if purchased within 21 days of first trip payment
• Weather coverage includes NOAA hurricane warnings
• Travel Delay after 12 hour common carrier delay
• Includes itinerary change coverage
• Very good Missed Connection coverage $2,500/person after 3 hour delay
• Great for: Best overall plan. This plan has cruise-specific coverage like Missed Connection, Itinerary Change, and hurricane warning coverage that makes it stand out.

Example quote $232 (includes all travelers): For the above plan, the example trip includes 2 travelers (45, 45) on a 7-day cruise with airfare, with a total trip cost of $3,500).

Best cruise insurance for families

This is the best cruise insurance for parents traveling with children. Families will have extra concerns to consider, and this plan covers families better at a good price. Again, all recommendations are from reputable companies that specialize in travel insurance.

What makes this the best plan for families? This plan covers hurricane warnings, while many plans don’t. It covers school year extension for cancellations, for something like extra school to make up for snow days. It has missed connection coverage to help you “catch up” to your ship. It has the option for Cancel For Any Reason coverage, which has become very popular since Covid. Finally, the pricing is very good when traveling with children under 18.

Worldwide Trip Protector

• Travel Delay after 6 hour common carrier delay
• Missed Connection coverage $500/person after 3 hour delay
• Unique family-friendly coverage for cancellation if your school year is extended unexpectedly.
• Very good value, the sample quote below is under 4% of the trip cost– well below average
• Great for: Families concerned about delays, Travel Insured has a generous delay trigger and high coverage.

Example quote $224 (includes all travelers): For the above plan, the example trip includes 4 travelers (45, 45, 12, 10) on a 7-day cruise with airfare, with a total trip cost of $6,500).

Best cruise plan for seniors

• Pre-existing conditions covered
• Great for: The best overall pick is also great for senior travelers. The pricing is competitive in this higher premium bracket, plus it covers pre-existing conditions

Example quote $938 (includes all travelers): For the above plan, the example trip includes 2 travelers (70, 70) on a 14-day cruise with airfare, with a total trip cost of $9,000).

How much does cruise travel insurance cost?

In general, travel insurance costs between 4-10% of your insured trip cost. I chose the policies above because they met the criteria listed. The plans also had unique individual coverages and were well priced.

Here is a summary of the cost of travel insurance from the examples above:

• Best Overall Plan – TravelSafe Classic 6.6% of the trip cost
• Best Family Plan – Travel Insured WTP 3.4% of the trip cost
• Best Senior Plan – TravelSafe Classic 10.4% of the trip cost

Why is the “family” plan such a low percentage of the trip cost? Because there are more travelers the cost of the trip is spread between all travelers, and therefore the risk per traveler is reduced. This reduces the insurance company’s risk exposure.

How much travel insurance do I need for a cruise?

As we covered at the top of the page, I recommend minimum levels of emergency medical and evacuation coverage. Due to the nature of cruise trips, these higher levels provide adequate protection:

• Emergency medical coverage $100,000 min.
• Medical evacuation coverage $250,000 min.

Requirements by cruise line

With cruise lines operating again, many require unvaccinated travelers to buy medical coverage to board the ship. These are the requirements of the cruise lines and I believe they are too low. But, the cruise lines are requiring this to protect themselves.

Royal Caribbean: Travelers must have $25,000 in Emergency Medical coverage and $50,000 in Medical Evacuation coverage.

Carnival Cruise Line: Travelers must have $10,000 in Emergency Medical coverage and $20,000 in Medical Evacuation coverage.

Disney Cruise Line: Travelers departing from Florida must have $10,000 in Emergency Medical coverage and $30,000 in Medical Evacuation coverage.

What expenses can I insure?

Travel insurance covers your pre-paid, non-refundable trip expenses . This includes airfare to your port of departure, hotel at the port of departure, the cruise fare, shore excursions, organized tours, or event tickets. It is important to spend a few minutes to gather all of your trip costs to make sure you don’t miss anything. If the expense is not included in your insured trip cost, you will not be covered.

What does cruise insurance cover?

Finding the best cruise travel insurance means finding the right coverage. Every trip is different, and cruises come with their own list of risks.

Protection before you leave

Trip Cancellation Insurance This protects your trip cost if you need to cancel or interrupt your trip for a covered reason. The most common reason people cancel is someone getting sick right before the trip. It also covers death in the family, hurricane & weather, house fire, quarantine, jury duty, terrorism, and more. The medical issues also apply to family members, so a parent getting sick and needing your care would be covered.

Cancel For Any Reason (CFAR) Coverage Upgrade The list of covered reasons for cancellation includes most common situations. But, that list cannot include everything. Cancel For Any Reason insurance extends your cancellation coverage to “everything”. You need to cancel at least 48 hours before departure and insure your full trip cost. You also buy in time (usually within 10 days of your first trip payment). All the above best cruise travel insurance plans have CFAR as an optional upgrade.

Protection while at sea

Emergency Medical Coverage This covers expenses for emergency medical treatment while on your trip. Your insurance from home may not cover you when you leave your home country.

Emergency Evacuation Coverage This coverage pays for medical transportation . It includes an ambulances to the hospital, an airlift from a remote location, or a medical flight back home.

Primary medical coverage Having Primary coverage for medical emergencies is better than Secondary coverage. It means the plan will pay first, without needing to use any other insurance you may have. With a Secondary coverage plan you would need to use any other coverage you might have first. Then you would use the travel insurance coverage. You’re covered either way, but having Primary coverage makes it easier to file a claim.

Protection throughout your trip

Travel Delays This covers extra expenses caused by travel delays . For example, a few extra nights in a hotel, meals, or personal items.

Baggage Loss, Theft, or Damage This covers your baggage not only on your flight, but on your entire trip. It will reimburse you for personal items and luggage if your bags are lost, stolen, or damaged during your trip.

Baggage Delay If your baggage is delayed in reaching your destination, you might need extra cloths or personal items. This coverage reimburses you for these expenses.

Covid-19 Cruise Insurance: How is coronavirus covered?

The pandemic remains a concern for all travers, especially those traveling with children or elderly parents. The plans above cover cancellations if you get Covid-19. A doctor will need to verify that you cannot take your trip. In this case, Covid is treated like any other sickness for trip cancellation coverage .

The best cruise travel insurance plans also cover Covid for emergency medical treatment. This is important when you travel abroad where your insurance from home may not cover you.

There are many other covered reasons for trip cancellation . These include severe weather, terrorism, house fire, or a death in the family. Getting sick before your trip is the most common.

What makes cruises different than other trips?

Cruises are a different type of travel. To find the best cruise travel insurance, you need to consider some extra risks that are unique to cruises. These include hurricanes and other weather-related concerns, the harsh cancellation policies associated with cruise lines, high pre-paid expenses, and the distance to emergency medical help. We’ll break these issues down more in-depth to help you understand why travel insurance for cruises is so important.

Cruising and hurricane season

Bad weather and hurricanes affect thousands of trips every year. Many cruises go to hurricane-prone destinations, putting them more at risk. Your flight can be canceled or delayed, causing you to miss your boat.

What makes good hurricane & weather coverage ?

Low time trigger for delays – Trip cancellation coverage covers common carrier (airlines) delays of a certain length of time. Some companies set this amount at 6, 12, 24, or even 48 hours. That would mean your flight would need to be delayed for 48 hours before your cancellation coverage would apply. So, the shorter this time, the better for you. I selected 12 hours or less for the criteria.

Hurricane warnings covered – This is not a common feature in most plans, which is why 2/3 of the best plans include it. This extends your coverage because you don’t actually need to be affected by the hurricane, but you can cancel your trip with full reimbursement if the NOAA issues a hurricane warning. Note: you must purchase travel insurance before the storm is named.

Missed connection coverage – This helps you catch up to your itinerary if you miss your departure for a covered reason, such as bad weather or a flight breakdown on the way to the port.

Itinerary Change coverage – This will reimburse travelers for missed events if their travel supplier changes their itinerary.

Cruise lines have harsh cancellation penalties

Cruise companies usually have the most harsh cancellation penalties of all travel suppliers. Hotels would let you cancel up until the day before, and airlines would charge a fee to change your tickets. Cruise lines would have a penalty schedule that put you on the hook for the full expense weeks before departure.

One bright side of the Covid pandemic has been the relaxing of some of these hard policies. To get travelers spending money again, travel suppliers have reduced or eliminated many of these penalties.

Even with these new policies the best you can hope for in the event of a cancellation is a voucher with the cruise line. The downside is they expire. This puts you under pressure to book another trip with the same cruise line in that time frame.

You have high pre-paid expenses

Cruises are sold as package travel experiences. This means costs like lodging, transport, and even meals are combined into a single cost. These expenses are pre-paid and non-refundable. That means you could lose your expenses if you needed to cancel.

You are far from hospitals if there’s an emergency

Cruise ships have medical care on board, but it is not a fully equipped and staffed hospital. If you have a serious issue onboard you want the proper medical care. Serious conditions include a stroke, heart attack, or appendicitis. Off the ship, you are likely in foreign locations where you would want proper medical care.

When should I buy my plan?

My rule: Buy travel insurance within 10 days of your first trip payment.

Some travel insurance coverage is time-sensitive. This means you need to purchase your plan soon after your initial trip deposit . This period of time is different for each company. The lowest is 10 days, and some companies are as high as 30 days.

This is why 10 days is the safest goal for you. No matter which company, 10 days will put you within that time-sensitive window.

What coverage is time-sensitive?

Cancel For Any Reason coverage (also known as CFAR) is an optional coverage with some plans. Every company that sells CFAR requires you to purchase within their time frame. If you try to purchase after this time period, you will not be able to.

Pre-existing condition coverage is time-sensitive. This does not cost extra, but many companies will cover this if you purchase at the right time.

Are these insurance companies trustworthy?

Yes. All companies featured in our review of the top travel insurance for cruises are reputable. You don’t have to take our word for it either – they are regulated by the Division of Insurance.

Zero Complaint Guarantee

Every policy purchased through CoverTrip comes with a unique Zero Complaint Guarantee .

If you are unhappy with how your travel insurance claim is handled, Squaremouth’s team of licensed claims adjusters will investigate your case and mediate with the provider on your behalf. If the complaint is not resolved to Squaremouth’s satisfaction, they will remove the provider from the website and stop selling their policies.

Cruise travel insurance FAQs

Before we wrap up our yearly review of the best cruise insurance companies and plans, we want to answer some frequently asked questions we get on this subject. If you still have questions after reading through these FAQs, don’t hesitate to reach out – we’re passionate about helping you get coverage that fits your needs and budget!

Why do I need travel insurance for a cruise trip?

A few reasons. Your pre-paid expenses for your cruise are non-refundable, and you could lose it if you needed to cancel. Cruises often take place during hurricane season, which means more opportunity for a cancellation. Cruises take you far from hospital care in the event of a medical emergency.

Is cruise travel insurance refundable?

Yes. Every travel insurance plan we sell comes with a Free Look period. This means you have a certain number of days to examine your coverage, and still have the ability to cancel for a full refund. This period is different for each company, but 10 days is a safe standard to keep in mind.

What is the cheapest cruise travel insurance company?

Most travel insurance companies have 2-3 plans at different premium levels, following the “good, better, best” pricing strategy. I tend to recommend plans in the middle level because they have great value– the right mix of coverage and pricing. Cheaper travel insurance plans will have lower coverage limits for medical, evacuation, baggage, and delays. They might also be missing some less popular coverages. We have a complete guide on the cheapest travel insurance available if you’re interested.

What is not covered by travel insurance?

Travel insurance covers sudden and unforeseen events such getting sick, a death in the family, a hurricane, theft, a house fire, and more. Therefore, if you already know you will need to file a claim you cannot purchase travel insurance to cover it. The list of exclusions also includes losses as a result of war, professional sports, some hazardous activities, drug/alcohol abuse, etc. Learn more in our in-depth discussion on what travel insurance covers .

Are cruises covered under travel insurance?

Yes, travel insurance covers cruises. Some companies market “cruise” plans, which is a collection of coverages that are important to cruise travelers.

Is travel insurance necessary for a cruise?

Yes, sort of. In the past insuring cruises insurance was popular but not necessary. For example, up to 70% of cruisers buy insurance, vs just 40% of regular travelers. But Covid has made travel insurance a requirement in many ports-of-call so it is necessary.

Can you get cruise insurance after booking?

Yes. I recommend you purchase within 10 days of your first trip payment. If you do this, you have the most options and access to coverages like Cancel For Any Reason and Pre-existing Conditions. You can purchase travel insurance right up until departure, but if something happens that causes a cancellation, you need to already have coverage purchased.

Final Thoughts On The Best Cruise Insurance Coverage

That concludes our list of the best cruise insurance plans of the year. You now know which companies and specific plans best suit your needs. More importantly, you recognize the importance of insuring your cruise. Travel insurance in general is important – but even more so when your trip involves a cruise. There are unique risks to this type of vacation that travel insurance covers. So, what are you waiting for? Enjoy peace of mind and protection by investing in quality cruise insurance coverage today! And if you want to learn more about comparing travel insurance , read our complete guide. It will help you gain confidence in making your decision.

DamianTysdal

Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.

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• P&O Cruises ( UK )

Travel Insurance with bank?

By boatboy2000 , February 15, 2022 in P&O Cruises ( UK )

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boatboy2000

Hi does anybody have travel insurance with their account and what banks have cruise cover included with the account?

Thinking of switching banks TIA

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Nationwide Flexplus but it costs £13 per month.

Halifax Ultimate Reward £17 per month but pay in a certain figure per month - sorry can't recall how much - and they give you £5 back.  Offers Allianz insurance with cruising but not the bells and whistles. Does have benefit of offloading cover.

Plugtheleak

I'm with Natwest and travel insurance policy included with Platinum Account seems to be good

For Cruise cover you have to distinguish two separate sections:

1)  Are you covered for medical and evacuation whilst on the ship

2)  Are you covered for additional things like missed ports.

We have the Nationwide plus account which covers the first one (which is the essential part). The second one is an optional extra if you want it.

2 hours ago, AlanCruise said: For Cruise cover you have to distinguish two separate sections: 1)  Are you covered for medical and evacuation whilst on the ship 2)  Are you covered for additional things like missed ports.   We have the Nationwide plus account which covers the first one (which is the essential part). The second one is an optional extra if you want it.

Yes that's what I meant by bells and whistles.  Do beware some policies do not include item 1.

19 hours ago, Megabear2 said: Halifax Ultimate Reward £17 per month but pay in a certain figure per month - sorry can't recall how much - and they give you £5 back.  Offers Allianz insurance with cruising but not the bells and whistles. Does have benefit of offloading cover.

Trouble with Halifax Ultimate is you have to pay £1500 minimum into account each month and the biggie is have a balance of £5000 or more for every day of the month to get the £5 back.

32 minutes ago, majortom10 said: Trouble with Halifax Ultimate is you have to pay £1500 minimum into account each month and the biggie is have a balance of £5000 or more for every day of the month to get the £5 back.

You do pay in £1500 or more but there is no obligation to have £5000 in your account.   You need to spend £500 a month on your debit card which with fuel and food is sadly easily achievable! We use ours for household bills and it never has that amount in it, at most usually £2,000 at a time.

There is no requirement on the Nationwide Flexplus account to have regular amounts paid in, or to use it for D. D. payments etc.  We no longer use it as our principal current account so don't have a lot in there.  Also, if you have a joint account both account holders are covered.  

3 hours ago, Megabear2 said: You do pay in £1500 or more but there is no obligation to have £5000 in your account.   You need to spend £500 a month on your debit card which with fuel and food is sadly easily achievable! We use ours for household bills and it never has that amount in it, at most usually £2,000 at a time.

Correct we get the five pounds a month than they take seventeen off us to run it

Having tipped over the 75 age, there are not many Banks that will cover me. Co op does until you are 80, so I may change to them this year. Anyonne with them ?

34 minutes ago, bobstheboy said: Having tipped over the 75 age, there are not many Banks that will cover me. Co op does until you are 80, so I may change to them this year. Anyonne with them ?

Nationwide will including over 80, but at an additional premium. 

5 hours ago, Megabear2 said: You do pay in £1500 or more but there is no obligation to have £5000 in your account.   You need to spend £500 a month on your debit card which with fuel and food is sadly easily achievable! We use ours for household bills and it never has that amount in it, at most usually £2,000 at a time.

If you dont spend £500 every month on your debit card which is not easily achievable for everybody you have to have £5000 in your account for each day of the month to get £5 reward cashback.

1 hour ago, kruzseeka said: Nationwide will including over 80, but at an additional premium. 

Nationwide Flexplus covers you for travel insurance up to the age of 70 and over that you have to pay a premium of £65 every year and have a medical screening on a yearly basis.

CRUISENSNOOZE

Hi, We are with Barclays Travel Insurance. They have 2 levels £12.50  and £18. We have the Travel Plus Pack at £18pm which gives us worldwide cover, RAC recovery in UK and Europe and 6 Airport Lounge Passes a year. We used to have RAC cover which cost us about £120 p.a. and if you use Airport Lounges on special offer, it would still be about £20 ea...so £216 per year for the travel insurance is very cheap. They give full coverage for cruising and repatriation. I believe this Travel insurance is to the age of 80. (we are 66 and 69).

The downside...sort of. The insurance only covers for holidays/cruises up to 31 days. The upside..they will give you full cover for any additional days for a one off payment. For example: we are on a 65 day cruise around South America and back through Caribbean. We had to pay an additional £236 for the 2 of us. We are away in France and Germany for 75 days with our car and caravan and the cost for this including upgrading the RAC cover was £136.  For us this works out very cheaply considering what P&O travel insurance quoted us for the single trip around south America!!...I must look out the quote again.

Lloyd's cover you till the age of 80. That's with Allianz insurance cover for £21 per month.

1 hour ago, majortom10 said: If you dont spend £500 every month on your debit card which is not easily achievable for everybody you have to have £5000 in your account for each day of the month to get £5 reward cashback.

Yes I did say that.  As I say we use ours for household expenses so don't find £500 difficult but I acknowledge everyone is different.  However the travel insurance is excellent and with Allianz will cover my husband's myriad of serious health conditions on renewal for £293 a year compared to the £1,400 we had to pay Avanti in September for insurance that doesn't have the offloading cover.

On 2/16/2022 at 10:16 PM, Megabear2 said: Yes I did say that.  As I say we use ours for household expenses so don't find £500 difficult but I acknowledge everyone is different.  

Intetested as to why you use a debit card rather than a reward credit card (B.A, Virgin, IHG, Tesco - which includes several cruise lines in their reward scheme - etc.)?

Only use Amex credit card mainly for travel.  I fly a lot so have my monthoy debit card linked to Virgin to get extra shopping points which become free flights or upgrades.  I also use the debit card to get the benefits on Halifax account mentioned above. My husband's travel insurance costs mega amounts so with phone insurance and RAC spending £500 per month in groceries and fuel is worth the price of £17 per month reduced by a fiver.  

On 2/16/2022 at 3:33 PM, kruzseeka said: There is no requirement on the Nationwide Flexplus account to have regular amounts paid in, or to use it for D. D. payments etc.  We no longer use it as our principal current account so don't have a lot in there.  Also, if you have a joint account both account holders are covered.  

My partner has a Nationwide FlexPlus account, and the annual travel insurance covers me too.

4 hours ago, Wacktle said: My partner has a Nationwide FlexPlus account, and the annual travel insurance covers me too.

That's good - I thought it had to be a joint account for both to be included. 👍

For the nationwide account, you only need to make it a joint account for the car breakdown insurance part, so that you can both call them out whatever vehicle you are driving.

2 hours ago, kruzseeka said: That's good - I thought it had to be a joint account for both to be included. 👍

No it covers not just 2 but your dependent children as well.

28 minutes ago, majortom10 said: No it covers not just 2 but your dependent children as well.

Even better! 

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A cruise vacation can take much of the stress out of planning a vacation. With a pre-set itinerary on the high seas, you don't have to worry about how you're getting to your destination and what you're going to do there. However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best cruise insurance plan that won't leave you high and dry in an emergency.

Our top picks for the best cruise insurance

• Best Overall: Nationwide Travel Insurance
• Best for affordability: AXA Assistance USA
• Best for seniors: Seven Corners Travel Insurance
• Best for expensive trips: HTH Worldwide Travel Insurance
• Best for exotic locations: World Nomads Travel Insurance

How we rate cruise insurance companies »

Best overall: Nationwide

Nationwide Travel Insurance  is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

It has three cruise insurance options: Universal, Choice, and Luxury. The Nationwide Choice plan, for example, offers $100,000 in emergency medical coverage and $500,000 in emergency medical evacuation coverage.

The right plan for you depends on your budget and coverage needs. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship.

Read our Nationwide Travel Insurance review here.

Best for affordability: AXA

AXA Assistance USA  offers three comprehensive coverage plans: Gold, Silver, and Platinum. Each of these plans offers coverage for issues like missed flights, medical emergencies, lost luggage, and more.

The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.

In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise.

The coverage limits on AXA's policies are on the higher end compared to other providers. And you can buy coverage for a little as 4% of your trip cost depending on your age, travel destination, and state of residence.

Read our AXA Travel Insurance review here.

Best for seniors: Seven Corners

Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. While other providers do offer coverage to those 80+ years old, Seven Corners is known for its affordable premiums while offering above-average medical expenses and medical evacuation coverage limits — two areas of travel insurance coverage that are even more important as we get older.

Seven Corners also offers the option of a preexisting conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

You can choose between the Trip Protection Basic or Trip Protection Choice plans, with the higher-tier Choice plan costing more but providing more coverage.

Read our Seven Corners Travel Insurance review here. 

Best for expensive trips: HTH Worldwide

HTH Worldwide Travel Insurance  offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The higher the tier, the more coverage you'll get for things like baggage delays, trip delays & cancellations, and medical expenses. But their premiums remain reasonable even at the highest tier of coverage.

Not only does the HTH Worldwide Trip Protector Preferred plan offer higher-than-average medical emergency and evacuation coverage limits ($500,000 and $1 million, respectively), but you'll also get a baggage loss coverage limit of $2,000 per person and coverage for trip interruption of up to 200% of the trip cost. You also have the option to add CFAR coverage for an additional cost.

Read our HTH Worldwide Travel Insurance review here.

Best for exotic locations: World Nomads

World Nomads Travel Insurance  has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too.

Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. And you'll get higher coverage limits with their Premium Plan. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues.

What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise.

Read our World Nomads Travel Insurance review here.

Introduction to Cruise Insurance

Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical. The best travel insurance plans will provide flexibility to add coverage options to fit your travels needs.

Understanding the Basics of Cruise Insurance

At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage. Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference.

Why Cruise Insurance is Important

Picture this: You're all set for your dream cruise, but a sudden family emergency means you can't set sail. Or worse, you fall ill in the middle of the ocean. Without cruise insurance, you're not just missing out on an adventure, but also facing potentially huge financial losses. That's why securing cruise insurance isn't just recommended; it's a crucial part of your cruise planning.

Types of Cruise Insurance Coverage

Cruise insurance isn't a one-size-fits-all life jacket. There are various types of coverage, each tailored to protect different aspects of your cruise experience.

Trip Cancellation and Interruption Coverage

This coverage is like your safety net, catching you financially if you need to cancel your trip last minute or cut it short due to emergencies, be it due to personal, health-related, or even certain work conflicts.

Medical Coverage

Being on a cruise shouldn't mean being adrift from medical care. Medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances.

Emergency Evacuation Coverage

In the rare case that you need to be evacuated from the ship due to a medical emergency or severe weather, this coverage ensures you're not left adrift in a sea of expenses.

Baggage and Personal Effects Coverage

Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience.

Buying Cruise Insurance

Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs. 

When to Purchase Cruise Insurance

Timing is everything. Purchasing your insurance soon after booking your cruise can often provide additional benefits and ensure you're covered for any early surprises. As you get closer to your trip your coverage options may get more expensive, and certain providers may not be able to offer you coverage.

How to Find the Best Deals on Cruise Insurance

Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like SquareMouth is a good place to compare multiple quotes from all of the major carriers at once.

How we reviewed cruise insurance plans

When comparing cruise travel insurance providers, we evaluated them based on the following criteria to come up with our list of top picks:

Customer Satisfaction

We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction. We also look at customer review sites like Trustpilot and SquareMouth.

Policy Types

We look at policy types and offerings, from standard travel protections to adventure sports coverage. We look at the amount of insurance offered

Average Premiums

We compare average premiums per trip. Some companies also offer annual plans, and we compare policies accordingly.

Claims Paid

How frequently do companies pay claims easily and quickly? We check customer reviews and other resources to see which companies honor policies most effectively.

We look at the company's overall behavior. Is it operating ethically? Companies can earn additional points for such behaviors.

You can read more about how Business Insider rates insurance here.

How much does insurance cost for a cruise?

As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage. The price will vary depending on factors like your age, your travel destination, and whether you require additional coverage.

When is the best time to buy cruise insurance?

If you're booking a cruise, we recommend purchasing travel insurance when you make your first trip payment. That could be for the cruise itself or an expense like airfare to get you to your cruising destination. This way, if you have to cancel your trip, you'll have the most extended coverage period possible.

Can I buy my own cruise insurance?

You can buy your own cruise insurance that isn't offered directly through the cruise line operator. In fact, this could be a better option if you want coverage for your travel to the cruise's departure point, not just for the cruise itself.

What is the difference between travel insurance and cruise insurance?

The difference between traditional travel insurance and cruise insurance is that cruise insurance offers more specialized coverage, for situations such as missing a departure port and more coverage for medical evacuations, since it's more expensive to evacuate someone at sea than on land. 

Can I claim for missed ports on a cruise?

Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim, and before you travel so you know what compensation you're entitled to.

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