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Smooth Sailing Ahead: Your Guide to Cruise Travel Insurance [2023]

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Smooth Sailing Ahead: Your Guide to Cruise Travel Insurance [2023]

Best Cruise Travel Insurance for Seniors: Seven Corners

Best cruise travel insurance with covid-19 coverage: battleface, best cruise travel insurance for young travelers: aegis, best cruise travel insurance for adventure tours: img, best cruise travel insurance, cancel for any reason coverage: john hancock insurance agency, what is cruise insurance, is cruise insurance worth it, cruise insurance costs, types of cruise insurance, what to look for in a cruise travel insurance policy, how to get cruise insurance, final thoughts.

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Taking a cruise is one of the easiest ways to travel, but cruising isn’t immune to unexpected hiccups. Sudden illness, travel delays, or other unforeseen events could cancel or interrupt your cruising plans — you might even need medical coverage. 

With cruise insurance, you’re covered for unexpected issues that can interfere with your travel plans . Read on to learn what cruise insurance is, how to get it, and how to find the best cruise insurance policies, whether you’re buying directly from the cruise line or a third-party insurance company.

The 5 Best Cruise Travel Insurance Policies

The right cruise insurance policy offers the coverage you need at a good price, but policies aren’t one-size-fits-all. We’ve run quotes for various coverage scenarios — from seniors to adventure tours — to find the best cruise insurance policies . 

Consider these travel insurance policies for your next cruise:

Seniors cruising the world can get comprehensive coverage from Seven Corners Travel Insurance . We were quoted $89 for a 70-year-old cruising Mexico . The Seven Corners Trip Protection Basic policy offers trip cancellation and interruption, medical coverage, and medical evacuation, along with COVID-19 cancellation and medical coverage.

Comprehensive travel insurance, regardless of your age, is widely available and relatively affordable. Check out our complete guide to travel insurance for seniors .

If you’re concerned about COVID-19 derailing your cruise travel plans, getting cruise travel insurance with COVID-19 coverage is essential. The battleface Discovery Plan covers COVID-19 cancellation and medical expenses, along with regular trip cancellation, medical evacuation, and medical emergency coverage. We were quoted $36.54 for a 35-year-old cruising Italy on this plan.

Young travelers often have the lowest-priced travel insurance policies. We got a quote for just $30.27 from Aegis for a 22-year-old cruising the Bahamas . The Aegis Go Ready Choice policy covers COVID-19 medical and cancellation, trip cancellation and interruption, medical evacuation, and medical expenses.

Are you planning adventurous excursions on your cruise? IMG’s iTravelInsured Travel Lite , with options for winter, adventure, and extreme sports, can give you the coverage you need. We were quoted $58.87 for a 40-year-old traveler cruising to Costa Rica with plans to zipline . It covers trip cancellation and interruption, medical expenses, medical evacuation, and adventure sports with some exclusions, such as diving and adventure races.

Your travel insurance might not cover everything you want to do — particularly if you plan on adventure activities. Here’s our complete guide to adventure and extreme sports travel insurance .

If you’re especially concerned you may need to cancel your cruise, Cancel for Any Reason coverage allows you to cancel your trip and receive partial reimbursement for nonrefundable trip expenses, even if you cancel for reasons not normally covered by trip cancellation coverage. We were quoted $100.50 for a 55-year-old cruising Alaska for John Hancock Insurance Agency’s Silver plan , which reimburses up to 75% of your trip cost under Cancel for Any Reason coverage. It also offers coverage for COVID-19 medical and cancellation, trip cancellation and interruption, and medical expenses and evacuation with primary coverage.

Cruise insurance is travel insurance that covers cruises . It can help you manage all the what-ifs on your cruise. What if you need to cancel your booking? What if your flight is late? What if you get sick or hurt? Travel insurance for cruises can cover you for all of these things. 

Many travel insurance policies cover cruises, but cruise insurance may be tailored to the risks of cruises, covering transportation, accommodations, and activities. Getting travel insurance for cruises can offer peace of mind if you’re concerned about losing nonrefundable trip payments, travel delays, or covering emergency medical care.

Holland America Cruise ship in Alaska

Cruise bookings can be unforgiving, and cruise insurance can help you minimize your risk of losing the money you’ve paid for your trip. Travel insurance coverage is often a good idea if you’re concerned about losing nonrefundable prepaid travel expenses or covering emergency medical expenses . 

Because cruises are often less flexible than other types of travel, it’s generally a good idea to get cruise travel insurance. For example, you might be able to rebook a flight or hotel room, but if you cancel your cruise, you could lose your deposit or more. Often, cruise lines won’t offer any refunds if you cancel within a certain period before your cruise, such as 14 or 30 days .

Additionally, you shouldn’t expect your U.S.-based health insurance plan to cover you on your cruise, especially if you’re on an international cruise. And it’s exceptionally expensive if you need to be evacuated for a medical condition.

While everyone hopes for smooth sailing, the reality is a lot of unexpected issues could pop up on your cruise. Your flight to the cruise port could be delayed, you might get sick or injured on your cruise, or you might have to cancel the whole thing if illness or obligations prevent you from going on your cruise. A hurricane could interfere with cruising in storm hotspots such as the Caribbean and Gulf of Mexico. 

Cruise insurance can offer financial support for many unexpected problems you might experience with a cruise. And with a 24-hour travel assistance hotline , you can get knowledgeable help whether you need to find a local pharmacy or coordinate the replacement of lost travel documents such as your passport.

That said, you might have travel insurance coverage available with a credit card . Some credit cards offer travel insurance benefits such as trip cancellation and interruption, emergency medical treatment and evacuation, and travel delay coverage. Still, you should check the details of your credit card’s coverage to ensure it’s enough for your needs. 

Looking for a credit card with travel protections? Read our guide to the best credit cards for travel insurance coverage and protection.

Generally, expect cruise insurance to cost between 5% to 10% of the total cost of your cruise . For a $3,000 cruise, you’ll typically pay between $150 to $300 for comprehensive travel insurance coverage. But keep in mind several factors influence the cost of cruise insurance, including:

  • Add-ons, such as CFAR 
  • Coverage options 
  • Cruise cost 
  • Deductibles and limits 
  • Destination 
  • Group policies 
  • Traveler age 
  • Trip duration

Learn more about travel insurance costs in our guide to the average cost of travel insurance .

What Cruise Insurance Covers

Each travel insurance policy is unique, but travel insurance for cruise coverage typically includes:

  • 24/7 Assistance: You can get 24/7 support for itinerary changes, rebooking, medical emergencies, and more.
  • Baggage Protection: Your luggage is covered for loss, theft, or damage on your flight or during your cruise.
  • Cabin Confinement: You may get reimbursement if you have to stay in your cabin during your cruise, such as a required quarantine due to COVID-19.
  • Cancel for Any Reason: Usually available as an add-on, CFAR travel insurance allows you to cancel your cruise for any reason and receive a partial reimbursement of your nonrefundable travel expenses.
  • Itinerary Changes: You can get covered for changes in your cruise’s itinerary, missed port calls, or extended delays beyond your control.
  • Missed Connections: If you miss your cruise departure due to a flight delay or other covered reason, you can get reimbursed for your nonrefundable travel expenses.
  • Medical Emergencies: Cruise insurance can cover medical treatment on the cruise and may offer coverage for medical evacuation.
  • Trip Cancellation or Interruption: You can get reimbursed for your nonrefundable travel expenses if you cancel your cruise or end your trip early due to covered reasons such as illness or injury. You’re typically covered if the cruise line cancels due to mechanical issues, weather, or other unforeseen events.

Cruise-specific travel insurance may also offer reimbursement if your cruise ship is disabled. And if you want to cover shore excursions, be sure to include the cost of excursions in your total travel cost when you get quotes for cruise insurance.

While these coverage types are common among cruise insurance policies, checking the terms and conditions to confirm all coverage areas is a good idea.

There are many options for travel insurance, and you can generally choose as little or as much coverage as you’d like. You can opt for a comprehensive travel insurance policy, which may offer Cancel for Any Reason (CFAR) coverage, or you might prefer to limit your costs and choose just the coverage you need. For example, you might choose standalone trip cancellation insurance or a travel medical insurance policy but decide you don’t need coverage for missed connections or baggage.

Consider these factors as you compare the best cruise travel insurance policies:

  • Cancellation Window: Understand how many days before your cruise departure you must cancel to qualify for reimbursement.
  • Coverage Availability: Travel insurance policies typically offer cruise coverage, but it’s best to confirm that a policy specifically covers cruises before you purchase it. Also, consider availability for coverages that may be important to you, such as CFAR or adventure sports. 
  • Customer Reviews and Reputation: You can get insight into the insurance provider and how claims and customer service work by reading customer reviews and ratings.
  • Eligibility Criteria: Cruise insurance policies may have eligibility criteria such as limits on age or trip duration and preexisting conditions. For example, some travel insurance policies max out at 90 days.
  • Exclusions and Limitations: Read the policy to understand what’s excluded or limited specifically to cruise-related coverage, such as reimbursements for port closures, itinerary changes, or medical incidents on the cruise.
  • Policy Cost: Get multiple quotes and compare each cost and coverage value to ensure you get a good value for your cruise insurance policy.
  • Purchase Timeline: You’ll usually need to purchase your cruise insurance within a certain period of booking your trip, so be sure you’re buying your policy within that timeframe.
  • Reimbursement Structure: Review the cruise insurance policy to confirm how much you can be reimbursed for under qualifying circumstances, such as if you need to cancel or interrupt your trip.

Woman booking cruise travel with laptop 1

You can buy cruise insurance from the cruise line when you book, or a travel agent may offer cruise insurance plans. You also have the option to purchase cruise trip insurance independently. It’s a good idea to get multiple quotes to compare your costs and coverage and get the best deal on cruise insurance.

You should buy cruise insurance when you make your first deposit so you’re immediately covered for trip cancellation. Here are some of the options and coverages if you purchase cruise insurance directly from the cruise line:

Before you purchase cruise insurance from a cruise line, compare your third-party options. You can get quotes from multiple travel insurance companies at once using a travel insurance aggregator such as Squaremouth .

Even a meticulously planned cruise can run into unforeseen disruptions — and cruise insurance can come in handy for the unexpected.

Cruise insurance covers you for sudden illnesses, travel delays, and more, offering financial protection so you’re safeguarded against uncertainties. Whether you get cruise insurance from the cruise line or third–party insurance providers, understand your coverage and how it protects your investment in cruise travel.

Frequently Asked Questions

Does my health insurance cover me on a cruise.

Some health insurance policies offer limited coverage on cruises, but coverage often depends on where you’re cruising and your planned activities. Check with your insurance provider about coverage before you depart on your cruise. Find out if supplemental cruise insurance is available if you want to use your existing health insurance coverage.

Are cruises covered under travel insurance?

Cruises are typically covered under travel insurance , so you don’t necessarily have to buy specialized cruise insurance, such as coverage from the cruise line. Travel insurance can cover trip cancellations and interruptions, medical emergencies, lost luggage, and more on your cruise trip.

Can you buy cruise insurance after booking?

You can buy cruise insurance after booking. It’s generally best to purchase cruise insurance as soon as possible after making your initial trip deposit — when you have money on the line. The sooner you purchase cruise insurance, the sooner you’re covered for trip cancellations.

Can you buy medical insurance for a cruise?

You can buy medical travel insurance to cover your medical expenses on a cruise, offering coverage such as medical emergencies, illnesses, and injuries.

How do I add travel insurance to my cruise?

You can add travel insurance to your cruise when you book with the cruise line or a travel agent. Alternatively, you can purchase travel insurance directly from travel insurance agencies.

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About Jessica Merritt

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 Travel Insurance for Seniors in April 2024

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As an older adult, you may look forward to traveling the world when you retire. Whether taking a single trip or traveling extensively, health concerns and sickness can derail even the best plans.

One way to address those risks is to purchase one of the best travel insurance policies for older adults . We cover multiple insurance carriers and provide policy premiums and benefits examples to help you find the best travel insurance to meet your needs.

This is the shortlist of the best travel insurance for older adults:

HTH Travel Insurance .

John Hancock .

TravelSafe .

Seven Corners .

World Nomads .

Factors we considered when picking a travel insurance policy

Choosing the right travel insurance policy is an important decision. Yet, the best travel insurance company depends on your needs and budget. Here are the factors we focused on when making this list.

Available policy types . The best travel insurance companies offer multiple policy types to meet the needs of various travelers.

Policy coverage limits . How much will the policy cover if you need to make a claim?

Exclusions . Do you have pre-existing conditions that may affect your ability to travel, increase the potential for medical treatments during your trip or cut your trip short? What would cause the insurance company to deny a claim?

Cost . How much does the insurance company charge for a basic policy? Is this price affected by your age, length of the trip or overall health condition?

Website usability . We value insurance companies that make it simple for travelers to compare options, get a quote and purchase a policy online.

Customization . Are the insurance company's policies customizable to meet a traveler's needs or must they choose from a rigid set of options?

What matters most to you also impacts which travel insurance is best for you. Whether it's medical evacuation, pre-existing conditions or the repatriation of remains, each policy's coverages and limits differ.

Additionally, policy premiums can vary widely based on the length of coverage and your age. If you frequently travel, buying an annual policy instead of policies for each trip may make more sense. Additionally, your premiums may be much different as a new retiree at 65 compared with someone in their 70s or 80s.

You may be able to save money on your travel insurance policy by taking advantage of credit card benefits. For example, many travel cards include trip cancellation, delay and interruption benefits, luggage protection and rental car coverage at no additional charge when using the card to book flights and rent cars.

» Learn more: How to find the best travel insurance

An overview of the best travel insurance for older adults

We requested quotes from multiple travel insurance companies for a 10-day trip to Madrid in July 2023. Our hypothetical traveler is a 65-year-old man from California who is spending $8,000 for the trip. His trip cost includes airfare plus prepaid hotels and excursions.

On average, the price of a policy offered by the listed companies was about $514, with a median price of $609.

* Cost refers to the basic coverage cost if multiple options are available.

There are various coverage options and price points when comparing travel insurance policies for older adults. While the lowest-priced options in the chart are the most affordable, their policies offer different coverage. For example, policies from HTH Travel Insurance only provide medical coverage but not trip interruption, delay or cancellation protection.

Comparing coverage limits and exclusions when selecting a policy is important so you are satisfied when making a claim.

» Learn more: Is Cancel For Any Reason travel insurance worth it?

Top travel insurance options for older adults

Let's look at our six travel insurance policy recommendations for older adults.

HTH Travel Insurance

What makes HTH Travel Insurance great:

Medical benefits of up to $1 million with deductibles as low as $0.

Access to English-speaking doctors in more than 180 countries.

Insurance covers hospital care, surgery and prescription drugs.

Here's a snippet from our HTH Travel Insurance review:

"HTH has a few travel insurance policies. These include medical plans and trip protection plans, so you'll want to decide what type of coverage you require."

Since Medicare doesn't cover healthcare needs when traveling outside the United States, some travelers purchase healthcare-only policies such as this one from HTH Travel Insurance. For our test trip, their healthcare-only coverage cost is just $90. However, keep in mind that this plan only provides medical coverage — if you want insurance for things like trip cancellation , trip interruption or baggage delay, you'll need to purchase a different plan.

travel insurance for cruises for seniors

John Hancock

What makes John Hancock great:

Emergency medical evacuation coverage starts at $250,000 per person.

Trip interruption coverage of 125% of trip cost.

Trip delay benefits start at six hours.

Here's a snippet from our John Hancock review:

"John Hancock offers three different plans for travelers depending on their needs: Gold, Silver and Bronze. As you'd expect, the Gold level comes with the most coverage and the highest price, while the Bronze level costs the least."

John Hancock's basic coverage cost for our test trip is $616, which is slightly above average. This policy is ideal for travelers worried about health problems requiring an emergency medical evacuation during their trip.

travel insurance for cruises for seniors

What makes TravelSafe great:

Coverage for pre-existing conditions is available if the policy is purchased within 21 days of booking travel.

Includes a $500 benefit for missed connections or trip delays.

Trip cancellation protection of up to $10,000.

Here's a snippet from our TravelSafe review:

"TravelSafe insurance offers two different plan types: Basic and Classic. Both of them only cover single trips; the company doesn't sell multi-trip or year-long plans. The TravelSafe Basic plan offers a lower level of protection than the company's more expensive option, TravelSafe Classic."

TravelSafe's basic coverage cost for our test trip is $855. While this policy has a higher price, it offers coverage for pre-existing conditions if you buy it within 21 days of booking your trip.

travel insurance for cruises for seniors

Seven Corners

What makes Seven Corners great:

Lost baggage benefits of $500 per person (per item limit of $250).

Delayed bags are reimbursed up to $100 per day ($500 max).

Trip delay of up to $200 per day per person after six hours ($600 maximum).

Here's a snippet from our Seven Corners review:

"The RoundTrip Basic plan is a good comprehensive travel insurance option and offers 100% trip cancellation (for trips up to $30,000), 100% trip interruption, $100,000 for emergency medical expenses (secondary coverage), $250,000 for medical evacuation/repatriation, lost luggage, baggage delay and other benefits."

Seven Corners' basic coverage cost for our test trip is $602, which is slightly above average. It offers superior protection against lost or delayed luggage, which can really put a damper on your travel plans.

travel insurance for cruises for seniors

What makes Tin Leg great:

Trip cancellation and interruption for COVID included at no extra charge.

Coverage extended up to seven days for medical quarantine .

Sports equipment is covered under baggage loss coverage.

Here's a snippet from our Tin Leg review:

"Tin Leg offers nine different travel insurance coverage policies. Prices vary for each depending on your itinerary and trip costs. The Basic plan is exactly what it sounds like: a policy for low-risk trips. It includes coverage for trip cancellation, delay and interruption, plus missed connections, emergency medical and evacuation, and lost and delayed luggage coverage."

Tin Leg's basic coverage cost for our test trip is $844. COVID's impact on retirees can be severe, so having a policy with generous benefits regarding coronavirus is critical. One of the best features includes up to one week of additional coverage at no charge if you're medically quarantined.

travel insurance for cruises for seniors

World Nomads

What makes World Nomads great:

Covers more than 200 adventure activities.

Ability to extend coverage while traveling.

Emergency medical coverage of $100,000 for all policies.

Here's a snippet from our World Nomads review:

"World Nomads offers the Standard and Explorer travel insurance plans and excels in sports/activity-related travel insurance coverage while offering solid trip delay, baggage delay and lost luggage protections. The provider offers insurance plans for travel to nearly any country and is available to residents of most countries."

World Nomads' basic coverage cost for our test trip is $74. However, take note of the coverage limits on its policies, which can be much lower than the cost of your trip. Its Basic policy coverage caps trip cancellation or interruption at $2,500, which could leave a large gap in comparison to our traveler's $8,000 trip cost.

Best travel insurance for older adults recapped 

The types of insurance plans for older adults — and how much they cost — vary significantly. There are options for those who only want to cover medical costs and plans for those who want coverage for any travel mishap that might befall them.

Other things to consider are pre-existing medical conditions, what types of activities you're doing and how long you'll be traveling.

Your chosen policy will depend on your travel needs and your comfort with risk. The upfront cost may be well worth it if you need to make a claim on an expensive injury, a canceled flight or a medical evacuation. 

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

Chase Sapphire Reserve 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℠.

Chase Sapphire Preferred Credit Card

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℠.

Chase Southwest Rapid Rewards® Plus Credit Card

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.

travel insurance for cruises for seniors

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Cruise Insurance: Why You Need It + 4 Best Options for 2024

travel insurance for cruises for seniors

Seven Corners »

travel insurance for cruises for seniors

Travelex Insurance Services »

travel insurance for cruises for seniors

AXA Assistance USA »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Cruise Insurance Plans.

Table of Contents

  • Seven Corners
  • Travelex Insurance Services

Cruise vacations come with the same considerations as any other trip, including the potential for trip cancellations, trip interruptions, unforeseen medical expenses and even a need for emergency medical evacuation. Add in the potential for unruly weather during hurricane season , and it's easy to see why cruise insurance plans are so popular and recommended.

Read on to find out which cruise travel insurance plans U.S. News recommends and how they can protect the investment you made in a cruise when something goes wrong.

Frequently Asked Questions:

All cruise insurance plans are unique, and some have different coverages than others. However, most travel insurance plans for cruises cover the following:

  • Trip delays, interruptions and cancellations: This kind of coverage is essential any time of the year, but especially during hurricane season when storms can impact your travel plans. 
  • Protection for medical emergencies: This type of coverage can help pay for unexpected medical bills if you're injured on board the ship or hurt during a shore excursion. You can also choose a cruise insurance plan that covers emergency medical evacuation from the ship or to the nearest hospital.
  • Coverage for lost or delayed baggage: Coverage for baggage is important for cruises just like any other trip. This type of insurance can pay for essential items you need to buy if your bags are lost or stolen and don't make it on the ship. 

With each of these protections, a coverage limit is listed with your plan. This means you may get reimbursed for your losses or prepaid travel expenses up to this limit, but only when a covered reason applies to your claim.

One of the main reasons to buy cruise insurance is for medical emergencies. Note that, once you're on a cruise ship or visiting a destination outside the United States, your own U.S. health insurance plan will not apply. The same truth applies if you have government health coverage like Medicare.

You can purchase cruise insurance through your cruise line, but these plans are often very basic with low limits for medical expenses and other coverages. For example, cruise line travel insurance policies often come with just $25,000 in coverage for emergency medical expenses and up to $50,000 in coverage for emergency medical evacuation, which may not be enough.

Fortunately, you can buy cruise insurance from any travel insurance provider when planning this type of trip. By buying coverage from an independent travel insurance provider instead of your cruise line, you get to select the exact coverages and limits you need for the best protection possible.

  • Seven Corners: Best Overall
  • Travelex Insurance Services: Best for Families
  • AXA Assistance USA: Best for Medical Emergencies
  • Berkshire Hathaway Travel Protection: Best Cost

Plan is cruise-specific

Get coverage for missed cruise connections and tours

Medical expense coverage is secondary if you opt for lower-tier Basic plan

  • Up to 150% in reimbursement for trip interruption
  • Up to $250 per person, per day in trip delay coverage ($2,000 maximum)
  • Up to $250 per day in missed tour or cruise connection coverage ($1,500 maximum)
  • Primary emergency medical expense coverage worth up to $500,000
  • Medical evacuation and repatriation of remains coverage worth up to $1 million
  • Political and security evacuation coverage worth up to $20,000
  • Up to $2,500 in protection for baggage and personal effects (limit per item of $250)
  • Up to $100 per day ($500 maximum) in coverage for baggage delays of six hours or more

Travel Select plan offers coverage with pricing for kids included

Customize your plan with additional medical coverage, adventure sports coverage and more

Only $1,000 in coverage for baggage and personal effects

$200 maximum coverage for baggage delays

  • Trip cancellation coverage worth up to 100% of total trip cost (maximum $50,000)
  • Trip interruption coverage worth up to 150% of trip cost (maximum $75,000)
  • $2,000 in trip delay coverage for a delay of at least five hours ($250 per day)
  • $750 in coverage for missed connections (delay of at least three hours required)
  • Emergency medical expense coverage worth up to $50,000 (dental emergency sublimit of $500 included)
  • Emergency medical evacuation coverage worth up to $500,000
  • $1,000 in protection for baggage and personal effects
  • Up to $200 in coverage for baggage delays (at least 12-hour delay required)
  • Travel assistance services

Provides comprehensive coverage for all aspects of cruising

High policy limits for medical expenses and emergency evacuation

Does not offer cruise-specific travel insurance

  • Trip cancellation coverage up to 100%
  • Trip interruption protection up to 150%
  • $1,250 in travel delay coverage ($300 per day)
  • $1,500 in protection for missed connections
  • Emergency accident and sickness coverage up to $250,000
  • Emergency medical evacuation coverage up to $1 million
  • Nonmedical emergency evacuation coverage up to $100,000
  • $50,000 in accidental death and dismemberment coverage
  • Baggage and personal item coverage up to $3,000
  • Baggage delay coverage worth up to $600

Comes with enhanced medical and luggage benefits, protections for cruise ship disablement, and more

Cruise delay coverage kicks in after five hours

Baggage delay coverage is only for $200 and doesn't kick in for 24 hours

No option to purchase CFAR coverage

  • Up to $75,000 in protection for emergency medical care
  • Emergency evacuation and repatriation of remains coverage worth up to $750,000
  • Cruise cancellation coverage for 100% of trip cost up to $25,000 per person
  • Cruise interruption coverage for 150% of trip cost up to $37,500 per person
  • Cruise delay coverage worth up to $1,000 ($200 per day for delays of five hours or more)
  • Missed connection coverage worth up to $500 (for delay of three hours or more)
  • Cruise ship disablement coverage worth up to $500
  • Up to $1,500 in coverage for baggage and personal effects

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel, travel insurance and cruises for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries, some of which have included cruises all over the world. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

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travel insurance for cruises for seniors

Cruise Packing List: 56 Essentials Chosen by Experts

Gwen Pratesi and Amanda Norcross

This cruise packing list includes all of the essentials – plus items you didn't know you needed.

travel insurance for cruises for seniors

The 12 Best All-Inclusive Cruises for 2024

When most of the extra costs are paid before you sail, you can truly enjoy your cruise.


  1. Travel Insurance For Cruises For Over 65

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  2. Best Cruise Travel Insurance for Seniors

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  3. Cruise Ship Insurance For Seniors

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  4. Cruise Advice For Your Best Cruise Ever

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  5. Travel Insurance for Seniors Post-Covid (for 2022)

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  6. Why Cruise Travel Insurance is More Important than Ever

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  1. 11 Tips On Alaska Cruises For Seniors

  2. Unlock the Secrets: Cruising Solo Over 60 Made Easy!