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Celebrity Cruises Travel Insurance - 2024 Review

Celebrity cruises travel insurance.

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Celebrity Cruises is considered by many to be one of the top cruising brands in the world. Over the years their desire for excellence in all levels of customer service has helped propel them to a long list of awards over the years including the 2020 Travvy Award for Best Premium Cruise Line. Celebrity Cruise Lines aims to provide their customer with the best cruise vacation possible, whilst also working hard to sustain the environment and striving to leave the world a better place. Celebrity pride themselves on their luxurious accommodations which invites you to “revel in stylish design.” Onboard experiences include world-class entertainment, state-of-the-art fitness and wellness centers, casinos, and so more. As with many other cruise lines in this day and age, Celebrity have also partnered a number of with renowned wolrd-class chefs which has helped earn them the 2020 WAVE Award for Best Onboard Dinning.

With over 300 destinations across all seven continents, Celebrity strive to offer something for everyone.

Sample Cruise Itinerary

In this review we consider the travel insurance protection offered by Celebrity when booking, and then compare it against other plans available in the wider marketplace. To do this, we need to go on a Celebrity cruise, so let's haul up the anchor and set sail.

For our example, we chose an 8-day cruise that departs from Athens, Greece, and travels to Italy and Spain before returning back to Athens. We selected cruise dates of 10/03/2022 – 10/10/2022. For our travelers, they are two adults who are aged 55 and 60 and the cruise price per person is $3,609 which gives us a total of $7,218.

As airfares are purchased separately and pricing can vary massively for this part, we have not considered the airfare within the pricing for the amount to be insured, however you will of course want to insure your airfare in your trip insurance.

Comparison Quotes

Celebrity Cruises offers it's CruiseCare Travel Protection as an add-on to your cruise booking. It contains both insurance and non-insurance benefits. Their current program is administered by Aon Affinity, with some of the coverages being underwritten by Arch Insurance Company. Whilst Arch is certainly a strong insurance partner, the overall CruiseCare Program is not, in our opinion, a strong travel insurance plan due to low coverage limits.

Based on our sample couple, ages 55 and 60, we created comparison quotes using  Cruise Insurance 101’s  travel insurance marketplace engine. For the comparison we used the trip cost as the cruise cost for both travelers, namely $3,609 per person for a total of $7,218.

When traveling outside the United States, we recommend to our customers that they should have a minimum of $100,000 in Medical Insurance cover, a minimum of $250,000 in Medical Evacuation cover, and whenever possible to purchase a plan that gives them a Pre-existing Medical Condition Waiver. These are the criteria we used to choose the selected quotes.

The least expensive plan with adequate coverage on our quote from Cruise Insurance 101 is the Trawick First Class . We will compare this plan to the CruiseCare plan that Celebrity currently offers.

This Trawick policy allows for cancellation for the most common reasons such as: unforeseen illness, accidental injury, or death of a family member. This is also the case with Celebrity’s CruiseCare plan. However, some travelers may also want the ability to cancel for any reason whatsoever, without then forfeiting their entire vacation investment. This is where a Cancel For Any Reason (CFAR) policy will allow the insured traveler to cancel for any reason not listed in the policy and still receive something in return. Trawick’s CFAR offers a 75% cash refund, whilst Celebrity’s CruiseCare CFAR offers a 90% refund, which is impressive, but this 90% refund is only in the form of future cruise credits. Not cash. It’s also important to point out that Trawick allows you to insure all the pre-paid, non-refundable expenses (which can include airfare, tours and excursions, etc). The Celebrity CruiseCare plan will only cover the cruise portion of your travels. This means that if you want to insure your flgihts as well (which you will), then you will need to buy a travel insurance plan in any event.

The Cancel For Any Reason (CFAR) policy that we chose for our comparison is the Trawick First Class (CFAR 75%). We chose this plan because it is the most affordable CFAR policy available that also meets the medical coverage limits that we recommend. In our example we compare this plan to the Celebrity CruiseCare Protection Plan (with CFAR).

Next, we break down the benefits of each policy in a side-by-side comparison so you can see the strenghts and weaknesses of each plan, and the price for each plan.

Cost Comparison

In our opinion, overall Celebrity’s CruiseCare Travel Protection plans are insufficient. They provide only a fraction of the recommended limits of $100,000 in Medical Insurance, and $250,000 in Medical Emergency Evacuation cover. Also, something which is very important to many cruise travelers who have a medical condition, Celebrity Cruises does not offer a Pre-existing Medical Condition Waiver, which would waive their 60-day Look Back Period contained under their plans. Furthermore, whilst the CFAR policy provides a high percentage return, it only provides it as a cruise credit which is then only valid for one year instead of a cash refund option. A cruise credit is fine if you want to travel again with Celebrity and can medically do so within a year, but if not, you lose your entire holiday investment. Finally, as mentioned above, it’s also important to consider that Celebrity’s plans will only insure the cruise portion of your trip, not your flights or any other pre-paid expenses. If you have the need to cancel your trip and haven't got additonal travel protection in place, you are likely to lose your flight cost and any other non-refundable expenses you have paid.

By shopping for cruise insurance through Cruise Insurance 101, our two travelers can save anywhere from $130.80 to $202.86, which could be applied to airfare, additional tours, or shopping as well as gaining superior protection and a cash refund CFAR benefit.

In the following sections, we discuss what to look for when shopping for travel insurance for your Celebrity cruise.

Trip Cancellation

A significant concern for travelers is  Trip Cancellation . If you become ill or have an accidental injury before your departure date, you may need to cancel your vacation, resulting in financial losses. This makes Trip Cancellation a very valuable feature if you’re keen to protect your vacation's financial investment.

The trip cancellation offered in the Celebrity Cruise insurance is a non-insurance benefit , which means that Celebrity Cruises offers the coverage and pays any claims, not an insurance provider. Their plans permit cancellation for the following reasons:

• Unexpected injury, illness, or death of traveler or family member.
• Residence uninhabitable by natural disaster, fire, flood, burglary

Unfortunately, Celebrity’s list of cancellation reasons lacks some of the most important coverages we would typically expect to see in a comprehensive travel insurance plan. We recommend policies that also include:

• Default or bankruptcy of the common carrier or travel supplier
• Cancel For Work Reason  (traveler required to work during the trip)
• Employer-initiated transfer of 250 miles or more
• Destination uninhabitable or unreachable by fire, flood or natural disaster
• Mechanical breakdown of a common carrier
• Traveler involved in accident en-route to departure
• Mandatory evacuation
• Documented theft of passports or visas
• Jury duty, or subpoena.

Celebrity CruiseCare Travel Protection will provide a full refund if you have to cancel for a covered reason, but their Cancel For Any Reason policy only provides a 90% refund in the form of a future cruise credit, not a cash refund. Also, their protection plans do not cover any travel arrangements booked outside of your cruise, such as flights and transfers.

Both the Trawick First Class policy and the Trawick First Class (CFAR 75%) policy can cover all of your travel arrangements, regardless of where you booked them. Additionally, they both offer a 100% refund for covered Trip Cancellations, a 150% refund for covered Trip Interruptions (more on this below), and a wide list of covered reasons, including if you need to cancel due to contracting COVID.

Trip Interruption

A  Trip Interruption  is a situation during your trip that causes you to miss some or the rest of your vacation. Trip Interruption cover is similar to Trip Cancellation, but when an event occurs during your trip.

The most common trip interruption events are an injury or illness of a traveler. If you are unfortunate to have an injury or illness on your vacation but you can continue traveling after some treatment, the trip interruption benefit in the travel insurance reimburses the unused portion of your trip, and also covers the cost for you to rejoin the trip in progress.

Trip interruption also includes cover if a family member has a sudden grave illness or has sadly passed away. If your covered situation requires that your end your trip early to return home, Trip Interruption also reimburses for the unused portion of the trip, plus the added cost of going home early.

In the Celebrity CruiseCare Travel Protection insurance policy, Trip Interruption benefits include up to 150% of the total trip costs if you need to interrupt due to a covered reason. That amount includes reimbursement of unused trip costs plus the added cost of transportation home.

Travel insurance plans like the Trawick First Class also offer 150% of trip costs for interruption. Therefore, they cover up to 100% of the unused costs, plus up to an additional 50% to cover transportation costs to return home.

Cancel For Any Reason

Cancel For Any Reason  cruise insurance gives a cruise traveler the highest level of flexibility and refund if they need to cancel their trip for any reason that is not covered in the policy schedule.

If you cancel your Celebrity cruise for a reason  not  listed in their policy, they will grant you future cruise credits for 90% of the prepaid, non-refundable cancellation fees paid to them. However, cruise credits expire after one year and they are non-transferrable and not redeemable for cash. Remember it is Celebrity, and not their insurance policy, that provides this part of the CruiseCare Travel Protection. Whilst a 90% CFAR cruise credit is attractive, it is only useful if you can use it. When it comes to refunds, we always prefer cash since future credits may not be used and will then expire. Cash doesn't have an expiration date!

Alternatively, travel insurance policies like Trawick First Class with Cancel For Any Reason included pays out 75% as a cash refund of all prepaid, non-refundable trip costs, including any arrangements made outside of Celebrity Cruises. This could include flights, hotels, rental cars, excursions, and transfers.

As you would expect there are a number of stipulations for a Cancel For Any Reason policy to pay out, but these are quite straightforward:

• Purchase the policy within 10 to 21 days (depending on policy bought), of your initial payment or deposit date,
• Insure 100% of the prepaid trip costs subject to cancellation penalties or restrictions. If you have yet to book your entire trip, buy your travel insurance for what has already been booked, within 10-21 days (depending on policy), and add to it as you book additional parts of your trip,
• Cancel your trip 2 days or more before your scheduled departure date.

Medical Insurance for Emergency Treatment

One of the most important factors in selecting trip insurance is having sufficient Medical Insurance  when you travel. Anything can happen at anytime, often when we least expect it, be it accidental injuries or a sudden illness.

If you have a medical emergency when traveling and you don’t have sufficient medical insurance coverage when overseas, you may find yourself with huge, unexpected hospital bills to pay out of your own pocket. Many Americans mistakenly believe that countries which have universal health care for their own citizens will treat them for free if they have a medical emergency. Unfortunately, this is not the case.

Instead, Americans receive treatment at private hospitals, not public ones, and they must pay like anyone else does. Admission for inpatient care can cost $3,000-$4,000 per day in a private hospital, and then you need to factor in the additional costs of treatment, x-rays, surgeries, and specialists.

A common misconception is that Medicare will pay for hospitalization overseas.  Unfortunately, it won’t. Medicare does not pay for medical providers outside the US. Some Medicare supplements plans do cover overseas, but these have a small lifetime limit or reduced benefits, and will pay for emergencies only. They can also still require you to pay 20% of the costs. As a result, you could go on your dream vacation and end up with medical bills in the thousands.

Cruise Insurance 101   urges overseas travelers to take travel medical insurance of at least $100,000 per person . In our opinion, in a medical emergency, $100,000 would provide ample health care and will help protect your retirement savings from a potentially massive unexpected financial burden.

Celebrity CruiseCare Travel Protection provides a $25,000 benefit for Medical Insurance that would cover illness or injury. Compared to Trawick’s First Class policy which includes $150,000 of medical coverage per person, you can immediately see that the Trawick plan is much better suited to ensure you receive proper treatment without ending up in debt.

Emergency Medical Evacuation

Medical Insurance isn’t the only potentially expensive part of a trip.  Emergency Medical Evacuation  transports you from the place of injury or illness to the closest hospital. Once you’re stable enough for transport, Medical Evacuation brings you home via commercial flight or, if necessary, private medical jet.

Medical evacuation flights can be very expensive and cost up to $25,000 per hour of flight time. Regular health insurance does not cover this. In addition, the US State Department does not offer any medical treatment or evacuation assistance for US citizens. Cruise Insurance 101 advises travelers to carry at least $250,000 of Medical Evacuation cover  to assure there’s enough coverage to get them back home from almost anywhere in the world if they were to experience a serious medical event.

Celebrity CruiseCare Travel Protection includes Medical Evacuation up to $50,000 per person.  By contrast the Trawick First Class plans both provide $1,000,000 per person for Medical Evacuation. Whilst $50,000 may initially sound like quite a lot of cover, when one takes into account the sort of costs possible with emergency evacuation, and the substantially greater levels of cover available with a full comprehensive travel insurance plan, the Celebrity CruiseCare Travel Protection plan starts to look somewhat lacking in substance if the worst were to happen.

Pre-existing Medical Conditions

A significant concern for senior travelers can be pre-existing medical conditions. A Pre-Existing Medical Condition is one in which you’ve received medical treatment, testing, medication changes, added new medications, or received a recommendation for a treatment or test that hasn’t happened yet. Most travel insurance policies exclude pre-existing conditions unless you purchase the policy within the required time-period from your initial trip deposit date (called the Time Sensitive Period). Otherwise, the insurer will look backward 60, 90, or even 180 days (depending on the policy) from the date you purchased the insurance to see if there are any pre-existing medical conditions they won’t cover. This is called the Look Back Period. Any medical conditions older than this Look Back Period, unchanged or stabilized with no medication dosage changes are covered, as are any new conditions that arise after you purchase the policy.

If you must cancel, interrupt, or seek medical treatment for a medical condition while traveling, travel insurance policies typically exclude claims related to Pre-existing Medical Conditions. However, if you purchase the policy within a few days of your Initial Trip Payment or Deposit date, many policies add a Waiver to the policy that covers Pre-existing Conditions. As a result, there is no Look Back Period and Pre-existing Conditions are covered. What's more, most of the plans on Cruise Insurance 101 that offer a pre-existing condition waiver offer it at no additional cost. All you need to do is buy the plan within the time senstive period to get the added protection.

The CruiseCare Travel Protection covers Pre-Existing Conditions provided that:

• Your payment for this plan is received within the Time Sensitive Period (14 days of Initial Trip Payment) and
• You insure 100% of the cost of all Travel Arrangements that are subject to cancellation penalties and
• You or the individual with the Pre-Existing Condition, are not disabled from travel at the time You make Your payment for this plan, and
• Trip cost per person does not exceed $15,000 per person

The Trawick First Class policies also cover Pre-existing Medical Conditions, and the same 14-day Time Sensitive Period applies. Additionally, the Trawick policy does not have a cap on the trip cost.

Price and Value

In our opinion Celebrity’s CruiseCare Travel Protection plans carry minimal coverage and are more expensive than other options available on the wider travel insurance marketplace. The medical insurance cover is only $25,000, while the medical evacuation cover is only $50,000, which we feel may not be adequate for a serious illness or injury. Turning to their Cancellation reasons we feel these are rather limited and adding the Cancel For Any Reason option substantially increases the cost of the insurance yet only grants future cruise credits that will expire after just one year. Overall, we believe it offers limited value for the price charged.

In contrast, by comparison shopping, we found the standard Trawick First Class policy comes in at $354.20. It includes far superior medical and evacuation benefits, a 100% refund for trip costs for covered cancellation, a 150% refund for covered trip interruption, and a very robust list of cancellation reasons.

Choosing the CruiseCare Travel Protection plan with Cancel For Any Reason didn’t provide any better value. Their Cancel For Any Reason option will certainly provide a 90% cover, but only as a future cruise credit for up to one year, not a cash refund. Again, by comparison shopping, we found the Trawick First Class (CFAR 75%) policy for $602.14. It includes $150,000 of medical insurance and a substanial $1,000,000 for medical evacuation. Plus, it includes a Cancel For Any Reason provision that refunds 75% of your trip costs back in cash, not future cruise credit. It has far superior coverage levels over Celebrity’s policy at a more affordable rate.

Celebrity’s CruiseCare Travel Protection plans provides travelers with a minimal insurance policy for a high cost that could leave travelers unpleasantly surprised if they were to have an emergency. Medical coverage and medical evacuation limits are worryingly low, and there are a limited number of covered cancellation and interruption reasons, as well as insufficient trip cost reimbursement. Overall, we rate it a 7 out of 10.

Travelers planning a Celebrity vacation will find the best value for their money and peace of mind when they shop for travel insurance at Cruise Insurance 101 Travel Insurance Marketplace. There, you can review dozens of options and select the best policy to fit your needs.

To help you find the best policy, Cruise Insurance 101 recommends having at least $100,000 in travel medical coverage and $250,000 emergency medical evacuation when traveling within 2 to 3 hours of the US. If traveling further afield we recommend $500,000 of emergency evacuation cover. And, if you purchase the policy within the 14-21 days of initial trip payment, please consider a travel insurance policy with includes a pre-existing condition waiver to ensure that you get the most coverage for your money.

If you are planning a Celebrity cruise in 2022 or beyond, be sure to pack insurance before you travel. You never know when you may need it.

Have questions? Chat with us online, send us an email at  [email protected]  or alternatively call us at  +1(786) 751-2984 . We would love to hear from you.

Safe Travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

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Melonie was so helpful and explained everything. This was so easy and I had been putting off getting cruise insurance from the fear that I would be on the phone for hours. Not the case.

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Very efficient communication. Willing to accommodate my needs with a large group traveling together.

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Used and easy to compare travel….

Used and Easy to compare travel insurance prices and very thorough.

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Table of Contents

Look to your credit cards, first

What to consider if you buy a separate cruise travel insurance policy, what cruise travel insurance doesn't cover, how to shop cruise travel insurance options, is cruise travel insurance necessary.

Travel insurance can save you when you’re in a pinch, and cruises are especially important to protect. Whether you experience a flight delay, your car breaks down or you get sick, having a backup plan that will cover the cost of your trip, or at least help you get there without extra expense, can be essential. It’s recommended to arrive one day before the departure of your cruise to allow for any delays because if you arrive late to the departure point, the ship may have already left.

If you find yourself stranded at the pier long after your cruise has left, or aren't able to get to the pier at all, cruise travel insurance can help. These are some of the best travel insurance options for cruises.

» Learn more: The best travel credit cards right now

Many credit cards provide sufficient travel protection that can help you in the event of a delay or cancellation. It can even help if you arrive on time, but your bags do not. Other travel protections include helping if you need medical attention or evacuation during your trip, as well as insurance for a rental car if you decide to drive in one of the ports you visit.

Some of the popular credit card options that provide ample protections include:

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

Marriott Bonvoy Brilliant® American Express® Card . Terms apply.

United℠ Explorer Card .

You'll need to review the policy before the trip to decide if you need to purchase additional coverage.

» Learn more: What to know before buying travel insurance

If you don't have a credit card with coverage or you want to add more protection, it is wise to buy insurance as soon as possible after booking the cruise. Some companies require that you buy cruise insurance within two weeks of making the initial deposit, particularly if you're hoping for pre-existing medical coverage.

The longer you wait to buy cruise insurance, the higher the price may become.

Also, your own health insurance may not cover cruise travel or medical attention onboard a ship. Often, some personal insurance plans do not protect passengers once they have sailed more than six hours from any U.S. port. This may come as a surprise for those who thought they were protected, which is why it can be wise to purchase additional coverage for a cruise.

Since medical treatment on a ship may be more expensive, and evacuation at sea may require a helicopter or small boat, having emergency coverage can be essential.

If you’re still deciding on additional protection, consider these factors:

Destination: Is it remote or far from an airport or medical facility? How difficult will it be for you to find medical care or leave the ship?

Length of stay: How long will you be traveling? If it's only a few days, the probability that you will need coverage is less than if the trip were longer or farther from home.

Credit card protections: Read the fine print of your credit card benefits. If you used that card to pay for your travel, you may already have protection in the event of trip delay or cancellation, missing or lost luggage, medical reasons or weather issues.

Personal liability: Will you be engaging in activities that may make you responsible for someone else’s injury? Will you be renting a car or participating in activities like boating, biking or motorized water sports? If you may be held liable for someone else’s injury, insurance can help protect you.

As important as knowing how you will be protected, it is also paramount to know what is not included.

For example, if any injury or health issue is alcohol-related, it may not be covered. You might also want to know if natural disasters like a hurricane, terrorist incidents or bankruptcy by the cruise line are also covered. Sometimes, there are specific carve-outs for such situations.

Another important factor to consider is COVID-19 protection , as not all insurance plans include it. You will want to consider what happens if you get sick before the sailing or onboard since you may have to find accommodation if you are not able to travel for a period of time.

Some cruise insurance policies will cover itinerary changes. This means if you have your heart set on visiting a particular place, but it gets cut from the itinerary (a common occurrence due to weather conditions), you would receive some form of compensation. Not all plans include this, and for certain trips with a popular port (like visiting Alexandria, Egypt, to drive to the Pyramids), it may be wise to check if you are covered.

» Learn more: Should you insure your cruise?

There are many providers of travel insurance, and often, cruise companies will recommend a partner when making a reservation. Those are often best since the cruise line has a history of working with that company and has considered the intricacies of the various ports its ships are visiting. Still, policies vary.

If you want to buy a policy beyond what is already offered by your credit card, start with an aggregator site like Insure My Trip that compares several policies based on the criteria you choose. How long will you be gone? Where are you going? Do you have any pre-existing conditions? All of these things can affect the price of a policy that you purchase.

There are other respected insurance options like Travel Guard , which has policies specifically geared toward cruise trips. SafeCruise from VisitorsCoverage is another plan that is designed for cruise travel, and it includes an upgrade for a partial Cancel For Any Reason reimbursement.

Deciding if you want to protect your trip probably depends on your budget. If you can afford a worst-case scenario without protection, then maybe you won’t need to purchase travel insurance for cruises.

But for most travelers, having a backup plan in case anything goes wrong makes the trip that much more enjoyable.

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.

The Go Plan from Generali Global Assistance

Troubles such as illness, injury of a family member, adverse weather causing delayed flights or lost luggage can occur when you least expect them and may affect your vacation. Travel insurance can help protect your vacation investment and provides added comfort so you can enjoy your trip. If you decide to purchase travel insurance, you have the option of using our preferred partner, Generali Global Assistance. The Go plan featured here can protect you before, during and after your trip with important insurance coverage and concierge services.

Plan Details

Some of the covered reasons for trip cancellation and trip interruption include:

• Covered sickness, injury or death of you, a family member or traveling companion
• Common carrier delays resulting from inclement weather, mechanical breakdown or unannounced strikes
• Financial insolvency of a travel supplier
• Your primary residence or accommodations at your destination are made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster
• Mandatory hurricane evacuations
• Being called into emergency military duty for a natural disaster
• A documented theft of passports or visas
• Your involuntary termination of employment or layoff after you've been working with the same employer for at least one year (applies to trip cancellation coverage only)
• A terrorist act which occurs in your departure city or in a city to which you are scheduled to travel while on your trip, and which occurs within 30 days of your scheduled departure date

The table below provides the coverage and benefit limits of the Go plan.

The Go plan also includes informational services and concierge services from Generali’s designated provider.

Informational Services These services include travel guidance before you leave home and during your trip.

Concierge Services Get pre-trip assistance scheduling golf tee times, making restaurant, airline and rental car reservations or obtaining tickets for performances and special events.

All benefits and services are described on a general basis. For complete details on policy exclusions and benefits, contact Generali Global Assistance for a sample plan document.

For trips over $10,000 per person or longer than 31 days in length, please contact your Vacations To Go travel counselor for a price. All prices include a travel insurance premium and an assistance services fee.

Other Details

Purchase Rule This plan must be purchased the same day the first trip payment is made. In addition, the traveler must be medically able to travel at the time the policy is purchased.

Free Look Generali offers a free look period (varies by location) for the Go plan. In the days after you purchase your plan, you have the ability to cancel your coverage and receive a full refund of the plan cost as long as you haven't left for your trip or filed a claim.

Policy Confirmations You will receive a plan document which describes the benefits and limitations in detail. If you do not receive your documents within 10 days or 24 hours for email, call Generali Global Assistance at 800-994-3765.

Note : Insurance coverage is provided to all travelers listed on the policy, who must be residents of the United States or purchase this insurance from a company that is based in the United States.

• Celebrity Cruises

Pros, Cons of Buying Celebrity's Travel Insurance?

By jasm8449 , August 2, 2014 in Celebrity Cruises

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We have purchased the cruise insurance offered by Celebrity in the past, but I'm wondering if there is anything about their coverage that is lacking compared to other insurance providers. What I've liked about Celebrity's is that they offer 75% of the trip cost if you cannot sail for uncovered reasons.

BTW we're from Canada, and while Celebrity's insurance provider will cover us, perhaps some other US based insurance companies won't.

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In the past we've purchased the Celebrity insurance at times when we've been concerned about contingencies that were not covered by most travel insurance policies just for the 70% cancel for any reason benefit. But do be aware that this benefit only gives a future cruise credit and only covers the cost of the cruise paid to Celebrity.

In general most of the important coverage limits for items other than cancellation are lower on the Celebrity policy than on similarly priced policies from independent travel insurance companies. For example the medical evacuation coverage limits are lower in most cases and many view this coverage as one of the most important as the actual costs, in the unlikely event you need it, are extremely expensive.

I'm pretty sure that all travel insurance must be tailored to the laws of where you live and/or the companies must be registered where you live to sell you policies. I know when I've bought insurance one of the questions on the form, before the insurance is even quoted, is our country and state of residence. If you Google travel insurance you'll find some web sites that quote and compare travel insurance from many insurers. You can fill out a short form on their web site and it will list several polices with different options that will be available to you if they can sell to residents of your country. The only way you'll know who can sell you travel insurance is by checking it out.

We often buy an independent insurance policy so we can cover our whole trip ---- cruise, airfare, hotels, anything prepaid. In the US, there is a website called insuremytrip.com that guides you in comparing different policies as to coverage, cost, and so on. I'm thinking there must be something similar in Canada if you do a little digging. However, if we are taking a trip which is mainly just the cruise, like out of NYC where we can drive to the port, we are more likely to go with the Celebrity policy for their cancel for any reason feature.

I think you have to look closely at the amount of coverage for medical and evacuation costs. $10,000 medical and $25,000 evacuation coverage is, IMHO, quite low. For those that might wind up in a US hospital, that $10,000 might cover the first day. While the cost of evacuation from the ship to a hospital may be free depending on the country (e.g. The US coast guard does not charge for emergency medical evacuations), the cost to get you back to your home can be significantly higher if you need to travel with a doctor at your side or in a chartered plane.

Don't assume that just because Celebrity sells the policy, it's a good policy for you.

Our personal view is that we need at least $50,000 medical and $100,000 evacuation insurance and even then, we have an annual MedJet Assist policy that covers getting us home. The only advantage we see in the cruise line offered policy is that they often have some sort of "cancel for any reason" and get a credit for a future cruise...and in some cases, they are not priced by age so if you are elderly, they may (sometimes) cost less than if you bought a comparable policy independently.

I'd advise going to insuremytrip, squaremouth or some other on-line travel insurance site and seeing what an independent policy offers.

Sloop-JohnB

Fellow Canadian here...

We buy our Medical Health Insurance separate from Travel Insurance... As we tend to travel a lot over the course of a year (including many side trips across the boder to the USA). We buy an annual plan with good coverage that covers us for up to 15 / 30 days out of the country at a time (which plan depends on our Big Trip plans for that year... Although top ups can be bought for extra days... Ie going to be out of country 35 days not 30)

Travel Trip Insurance we purchase when we've made a significant investment that is difficult to cancel refund... So not for road trips (hotel cancellations tend to be easy) but YES for Cruises, All Inclusives and Air Travel.

Generally speaking... Celebrity's Insurance has been great for our cruises and works for the cruise & fly portions when we book flight thru ChoiceAir (i am also another one that likes the "any reason clause")... Or if we've used a TA or in particular a Loyalty Program then we buy insurance thru the (ie Airmiles.ca in that way we insure both the trip and our points used)

I agree with the others you need to be very aware of what your coverage is and how it is applied... Especially so when it comes to Medical Health Insurance... Because god forbid if something was to happen you want to get out of a Foreign / US Hospital and get home to Canada ASAP (LSIMON mentioned buying Med Insurance from some one here in Canada... That is extremely important IMO because of our Medicare System and for example how OHIP would apply costs / dovetail for expenses)

So ya evac and return are key clauses to look at understand

In the past we've used big name companies for our Med Insurance... Blue Cross & CAA. Felt safe & secure as we did have a relative once who had a serious issue while abroad and they were covered 100%.

Hope this helps,

You might want to take a look at http://www.kanetix.ca. It will provide you with quotes from a number of different Canadian companies.

If you are a federal government employee or retiree with PSHCP coverage, you should also look at Medoc travel insurance. I recently had to make a claim due to a medical issue that required us to return to Ottawa half way through a two week cruise and I was extremely satisfied with the claim process and outcome.

.... Celebrity's Insurance has been great for our cruises and works for the cruise & fly portions when we book flight thru ChoiceAir (i am also another one that likes the "any reason clause")...

I'm fairly sure that, at least on the USA Policy, Celebrity's covers airfare for cancellation and trip interruption/delay to the amounts stated in the policy no matter who you buy your airfare from. At least that is my read on the policy terms. But I do not believe that any airfare or other costs, beyond the basic non-refundable cruise cost paid to Celebrity, is covered under their "any reason" clause.

Always a good idea to check the actual policy terms and a copy of the terms is on Celebrity's site or other insurers site if buying elsewhere. A lot of people make incorrect presumptions on what is covered and what is not. It isn't too unusual to see a post on cruise critic about a problem where someone says "I hope they had cruise insurance" when the event being discussed is something travel insurance would never cover.

I'm fairly sure that, at least on the USA Policy, Celebrity's covers airfare for cancellation and trip interruption/delay to the amounts stated in the policy no matter who you buy your airfare from. At least that is my read on the policy terms. But I do not believe that any airfare or other costs, beyond the basic non-refundable cruise cost paid to Celebrity, is covered under their "any reason" clause.   Always a good idea to check the actual policy terms and a copy of the terms is on Celebrity's site or other insurers site if buying elsewhere. A lot of people make incorrect presumptions on what is covered and what is not. It isn't too unusual to see a post on cruise critic about a problem where someone says "I hope they had cruise insurance" when the event being discussed is something travel insurance would never cover.

True enough.

You said what I was trying to say much better than I did (just couldn't find the right words for some reason)

When it comes to Insurances (any type travel or other) it comes down to Buyer Be Ware in my book... You have to know 100% exactly what you are purchasing... Hoping you are covered is not enough.

Ps... Last Celebrity Cruise we were on the Summit in an Aft Sunset Veranda... LOVED IT. We booked it partly due to your recommendation / photos here on CC. So a big heartfelt THANKS for all you do to help others on this Forum.

cruisegoal100

Would suggest that you consider what for us is one of the most important items...namely does the insurance cover pre-existing conditions. Many, if not all of the cruise line policies DO NOT provide this coverage.

Happy cruising!

Would suggest that you consider what for us is one of the most important items...namely does the insurance cover pre-existing conditions. Many, if not all of the cruise line policies DO NOT provide this coverage. Happy cruising!

Do you really have pre-existing conditions AS DEFINED BY THE POLICY...or do you just have chronic conditions that you know are pre-existing? Let me explain. The first thing to find out BY READING THE POLICY is whether you have a pre-existing condition you should worry about....most policies have a "lookback" period that ranges from 60-180 days. Many of us have long term conditions where we visit the doctor annually or semi-annually for routine test..and a routine test can include a stress test, echocardiogram, etc. If you have not changed medications (or dosages) or had a non-routine visit to your doctor related to the issue, then you DON"T have a preexisting condition. Let me say it another way...you have high blood pressure...had it for years....taking medication that controls it with no changes in the past 60-180 days....and you have a heart attack on the ship, you would be covered because you don't have a pre-existing condition. Another example..if you have afib and you are on coumadin where the dosage changes based on blood tests then you probably have a pre-existing condition; if you take Xaralto/Pradaxa/.... where there aren't dosage changes, then you may well not have a pre-existing condition even though, in both cases, you have the same medical condition.

If you actually do have a pre-existing condition as defined by the policy, then you should take travel insurance when you first book the ticket because most policies (check this for the specific policy you are offered) waive the pre-existing condition exclusion if you buy within 14-21 days of booking (it varies).

Do you really have pre-existing conditions AS DEFINED BY THE POLICY...or do you just have chronic conditions that you know are pre-existing? Let me explain. The first thing to find out BY READING THE POLICY is whether you have a pre-existing condition you should worry about....most policies have a "lookback" period that ranges from 60-180 days. Many of us have long term conditions where we visit the doctor annually or semi-annually for routine test..and a routine test can include a stress test, echocardiogram, etc. If you have not changed medications (or dosages) or had a non-routine visit to your doctor related to the issue, then you DON"T have a preexisting condition. Let me say it another way...you have high blood pressure...had it for years....taking medication that controls it with no changes in the past 60-180 days....and you have a heart attack on the ship, you would be covered because you don't have a pre-existing condition. Another example..if you have afib and you are on coumadin where the dosage changes based on blood tests then you probably have a pre-existing condition; if you take Xaralto/Pradaxa/.... where there aren't dosage changes, then you may well not have a pre-existing condition even though, in both cases, you have the same medical condition.   If you actually do have a pre-existing condition as defined by the policy, then you should take travel insurance when you first book the ticket because most policies (check this for the specific policy you are offered) waive the pre-existing condition exclusion if you buy within 14-21 days of booking (it varies).

I agree with everything said here, and would add another thing to double-check with respect to stability. Under some policies, a medical condition must be stable both 90 days before the booking and 90 days before the date of departure. So if your doctor has just changed or given you a new prescription, don't book for another 90 days, even if the cruise is a year and a half away. I'm not sure that I understand the rationale for this, as you are ensuring yourself for the cruise, not the cruise booking, but perhaps others can suggest a reason.

I've never seen a travel insurance policy with both 90 day periods...all that I've seen in the US only look at the 60-180 days before you purchase the policy. Perhaps this is a Canada thing???

I suppose that's possible. :(

Big PRO - FANTASTIC!!!!!!!! We bought the insurance on Summit. I though the insurance was only if something happened when we were on the ship. We booked our air and hotel independent of Celebrity so did not think the insurance would cover anything pre-cruise - BUT THEY DID:)

I fell in San Juan when doing my power walk. Ended up going to the ER in San Juan and getting a bunch of stitches. They paid for the entire cost of the ER plus the cost of getting the stitches out on the ship.

We always buy the ship insurance, and will continue to do so after having such a fantastic experience with it when I needed it.

Big PRO - FANTASTIC!!!!!!!! We bought the insurance on Summit. I though the insurance was only if something happened when we were on the ship. We booked our air and hotel independent of Celebrity so did not think the insurance would cover anything pre-cruise - BUT THEY DID:)   I fell in San Juan when doing my power walk. Ended up going to the ER in San Juan and getting a bunch of stitches. They paid for the entire cost of the ER plus the cost of getting the stitches out on the ship.   We always buy the ship insurance, and will continue to do so after having such a fantastic experience with it when I needed it.

How were you charged for getting the stitches out on the ship?

When a member of our party had a similar situation, they billed the charges for his medical treatment on the ship to his shipboard account, so he needed to pay them himself and then get reimbursed later.

He was informed that he would need to file a claim with his own insurance company first because the ship's insurance provided only "secondary" coverage, and they needed to receive proof of rejection from his own insurance carrier before they would pay anything.

So he first had to submit the claim to his own insurance company, then wait until he received a written statement from them of what they were refusing to pay in order to submit it to the ship's insurance company.

They did pay eventually, but it was a hassle that involved a lot of red tape through several billing cycles before the ship's insurance finally reimbursed him.

From what you are saying though, it looks like there should be a much easier way to handle it.

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Should You Buy Travel Insurance Before Taking a Cruise?

W hen you book most forms of travel these days, you're often asked if you'd like to purchase travel insurance. Different airlines, cruise ships, and hotel brands might have different names for this, such as "vacation protection," but these are optional products that are designed to make sure that if something goes wrong, you aren't on the hook financially.

To be fair, I typically decline travel insurance for flying. Since all of the major airlines allow you to change your flight for free, if I get sick and can't travel, I simply use the value of my ticket toward a future flight.

However, cruises are a different situation. Not only could you potentially get sick and miss the cruise altogether, but there are other things that could go wrong. What if you get so sick on board that you need to be medically evacuated back to the U.S.? What if severe weather in your hometown prevents you from getting to the cruise port?

With these and other potential scenarios in mind, here's what you need to know about buying travel insurance for a cruise and whether it's a good idea.

What does travel insurance cover?

Travel insurance is a type of insurance policy underwritten by an insurance company (not by the cruise line or airline itself). While the exact coverage can vary, here are some of the things it will typically cover on a cruise:

Read more: check out our picks for the best car insurance companies

• Trip cancellation protection
• Trip interruption coverage in case you need to come home early
• Baggage insurance to cover loss, damage, or theft
• Baggage delay protection, which reimburses for essential items while you wait for delayed luggage
• Medical coverage (Note: U.S. health insurance typically doesn't apply when on a cruise ship or when traveling internationally.)
• Evacuation protection, in case you need to be medically evacuated back to the U.S. while traveling

In addition, the protection plans offered directly through the cruise lines might have additional benefits. For example, Carnival's Vacation Protection provides travel insurance underwritten by Nationwide, but also makes it easier to get a refund if you need to cancel.

Not only does it refund 100% of your trip's cost if you need to cancel for a covered reason like weather or illness, but you can cancel for any reason whatsoever and get 75% of your money back (you usually can't get a refund at all once the final payment date has passed).

Different options to consider

For travel insurance, there are two main options: You can buy single trip coverage (this is what the cruise lines and airlines offer) that will protect you on one specific vacation. Or you can buy an annual travel insurance policy directly from an insurance company. For example, Allianz is a major travel insurance provider, and in full disclosure, I have a policy for myself and my family through them.

If you travel more than once or twice per year, especially on cruises, it's worth comparing the costs, as an annual travel insurance policy can often be more budget-friendly (and often provides better coverage). On the other hand, if you're taking a once-in-a-lifetime trip, simply buying protection through the cruise line can be a better way to go.

It's also worth noting that some travel credit cards have their own travel protections. They can provide their own trip cancellation insurance, trip interruption and delay coverage, baggage insurance, and a few other benefits if you use your card to pay for the trip. They may not, however, provide the medical and evacuation coverages that are highly important while cruising, so be sure to research all the details ahead of time.

Make sure you're protected one way or another

The bottom line is that when taking a cruise, it's highly advisable to make sure you have some sort of travel protection, especially for medical emergencies. The best choice for you depends on how often you plan to cruise, as frequent cruisers can typically save money by purchasing an annual travel insurance policy. But if you aren't sure, it can be a smart idea to compare the costs before deciding.

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Key West & Bahamas

From FORT LAUDERDALE, FLORIDA - onboard CELEBRITY SUMMIT

†Taxes, fees and port expenses $153.17 USD *

At Celebrity Cruises®, we believe choice matters. That’s why we’ve pre-packaged our most popular amenities—drinks, and Wi-Fi— Tips charged separately. So you can now choose the most convenient way to get the best value from your cruise.

 Drinks

Choose from an incredible array of beers, spirits, cocktails, liqueurs, frozen drinks, wines by the glass, sodas, juices, specialty coffees and bottled water.

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We know staying in touch is important, so we’ve included internet access for all guests. Browse the web, check email, and use messaging apps.

Cruise Itinerary

• Port of Departure
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Fort Lauderdale, Florida

Mon, Oct 13, 2025

Departs: 4:00PM

At Sea - Cruising

Tue, Oct 14, 2025

Key West, Florida

Wed, Oct 15, 2025

Docked: 8:00AM to 5:00PM

Thu, Oct 16, 2025

Nassau, Bahamas

Fri, Oct 17, 2025

Sat, Oct 18, 2025

Arrival: 7:00AM

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About This Ship

Revolutionized Celebrity Summit

Celebrity Summit

Onboard Features

Cosmopolitan

The airy Main Restaurant offers exquisite menu selections, which change nightly to give you a variety of classic and contemporary choices. And the service? Legendary.

Clean, crisp flavors and inventive cuisine meet an extensive list of sustainable and biodynamic wines. Exclusively for AquaClass guests.

The exclusive restaurant for guests of the Retreat. Select and cutting edge, the globally inspired menus at Luminae are not available in any other restaurant on board.

Rendezvous Lounge

The Rendezvous Lounge is the perfect place to gather before dinner for a cocktail and dancing.

Cellar Masters

Immerse yourself in wine culture. Cellar Masters lets you try a bold collection of both familiar and unknown wines from around the world.

The Martini Bar

Sit back and relax, listening to up-tempo tunes and enjoying a collection of rare vodkas and a portfolio of fine caviars.

The Retreat is an unparalleled vacation experience that includes every stunning suite, a private restaurant, and an exclusive lounge that rivals any high-end resort.

Say "Ahh" in spa-inspired staterooms designed just for you. Savor clean eating at Blu and escape to the Persian Garden.

Tailored services and amenities await you in these exceptionally appointed staterooms. We're here to help you make the most of your time on board and on shore.

Camp at Sea

For our Camp at Sea program, we’ve designed more than 500 activities that make every sailing a brand new experience and an unforgettable memory for our junior cruisers.

Relax, recharge, and play the hottest slots and table games at The Casino. It offers a sophisticated ambiance and a captivating atmosphere that comes alive with plenty of action.

Shops on Summit

Celebrity's European-inspired piazza and elegant galleria hold riches of chic sophistication. Marble walkways lead you to modern boutiques and fine jewelry stores.

Fitness Center

Bring your workout routine along on your modern luxury vacation and enjoy a variety of new fitness classes and seminars along with world class cruise fitness amenities.

Art Gallery

When you visit the Art Gallery, you'll be surrounded with one of the world's largest permanent collections of contemporary art, accompanied by a complete art program.

Rooftop Terrace

A restaurant, a bar, and an alfresco movie theater. With cozy furnishings and gourmet fare, the inviting Rooftop Terrace beckons you to stay a while.

Jogging Track

Built around the ship’s top deck, the jogging track let’s you take in breathless ocean views while you workout. It’s so mesmerizing, you’ll forget you’re breaking a sweat.

Adults-only Solarium

A serenely beautiful adults-only pool and hot tub experience, The Solarium let’s you relax and daydream of the next destination you’ll be exploring.

SEARCH FLIGHTS FOR THIS CRUISE

Price is per person and applies to selected sailing, lowest available fare stateroom category, based on double-occupancy, reflects any promotional savings, and is subject to change and availability until booked. Additional terms and conditions apply to offers. Full deposit must be paid by deposit payment required due date. Standard full deposit penalty is applied if booking is cancelled within final payment period; see Celebrity’s cancellation policy for details. Non-Refundable Deposit Bookings (“NRDB”): To qualify for the lowest available cruise fare, guest must choose a non-refundable deposit. All deposit payments for NRDB made after 03/02/23 are non-refundable from the time of booking. NRDB are applicable to groups at prevailing rates. Not applicable to incentive, contract, or charter groups. Nonrefundable deposit offers are applicable to sailings within final payment, however full deposit is due at time of booking. 

Celebrity Edge® Series Iconic Suites, Edge Villas, Penthouse Suites, Royal Suites, Celebrity Suites, AquaClass® Sky Suites, and Sky Suites (and Family Suites during Holiday sailings) require double the deposit amounts listed.

All Included  pricing applies to sailings booked and departing on or after October 4, 2023, excluding Galapagos cruises, in an inside, ocean view, veranda, Concierge Class, or AquaClass stateroom (“Eligible Bookings”). All guests within an Eligible Booking who choose “All Included” pricing, will receive a Classic Drinks Package and an unlimited Basic Wi-Fi package. All guests in the same stateroom must choose the same rate.  Please visit www.celebritycruises.com/things-to-do-onboard/onboard-packages/beverage-packages for further information on available beverages and full restrictions and www.celebritycruises.com/things-to-do-onboard/onboard-packages/internet-and-phone-packages for further information on wi-fi.

All Included pricing applies to new individual bookings only. Changes to booking may result in removal of Offer. Prices and Offers are subject to availability and change without notice, may be withdrawn at any time, and not applicable to charters or contracted groups. All Included pricing is non-transferable and not combinable with certain rates including, Travel Agent, Interline, Net, Exciting Deals, or worker cabins.  Single occupancy guests paying 200% cruise fare are eligible for All Included pricing. Refer to celebritycruises.com and the Cruise Ticket Contract for additional terms and conditions. Celebrity Cruises reserves the right to cancel offer at any time, correct any errors, inaccuracies, or omissions, and change or update fares, fees, and surcharges at any time without prior notice.

Imagery and messaging may not accurately reflect onboard and destination experiences, offerings, features, or itineraries. These may not be available during your voyage, may vary by ship and destination, and may be subject to change without notice.

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How to earn rewards

Perhaps unsurprisingly, you can maximize your rewards by spending on Celebrity Cruise purchases. Those purchases will net you 2x points per $1 spent. But the card also lets you earn 2x points when you spend with its sister brand, Royal Caribbean. This flexibility is useful if you cruise with both lines.

All other purchases will net you 1x points per $1 spent, though you won’t earn rewards for balance transfers or cash advances.

How to redeem rewards

You can redeem your MyCruise rewards for upcoming voyages, cabin upgrades, companion fares, on-shore excursions, or onboard amenities like dining, drinks, and spa visits.

Additional benefits

Frequent cruisers can put this card’s other notable perks to good use. Cardholders that spend at least $10,000 annually will earn a 10,000 anniversary bonus each year. You can also receive a 10% discount on premium beverage packages and private shore excursions.

You won’t pay foreign transaction fees as a Celebrity Cruises Visa Signature cardholder, which can help you keep more cash in your pocket if you often travel internationally. Additional card benefits are relatively standard and include $0 fraud liability, account alerts, digital wallet accessibility, and free FICO scores via mobile app.

Who is the Celebrity Cruises Visa Signature best for?

This card is best for travelers who enjoy cruises and are particularly loyal to Celebrity or Royal Caribbean. If you prefer traveling on land or frequent another cruise line, it’s likely not the best option for your wallet.

But those who love these brands and take cruises fairly frequently could benefit from earning this card’s welcome offer, rewards, and discounts — especially considering the fact that this card doesn’t charge an annual fee.

Celebrity Cruises Visa Signature pros

No annual fee or foreign transaction fees

Option to earn a welcome bonus

Increased rewards for Celebrity Cruise and Royal Caribbean spending

Discounts on cruise amenities

Celebrity Cruises Visa Signature cons

Regular APR applies immediately

Can’t use rewards for general travel expenses

Maximum rewards rate is only 2x points

Upgrades are subject to availability

Where can you use Celebrity Cruises Visa Signature?

As its name indicates, this is a Visa card. Since Visa cards are accepted in over 200 global territories and countries, you can use your card almost anywhere.

How to make a Celebrity Cruises Visa Signature payment

You can pay your monthly bill through the following channels:

Online by logging into the mobile app or website

By phone: 800.236.6497

By mail: PO Box 15019 Wilmington, DE 19850-5019

In person at a local Bank of America branch

Celebrity Cruises Visa Signature customer service info

If you have questions or concerns about your card, you can reach the Bank of America customer service team through your Celebrity Cruise Visa Signature online dashboard or via phone at 1.757.677.4701. Representatives are available for phone calls 24/7.

Alternative cards to consider

The Celebrity Cruises Visa Signature may be right for you if you enjoy cruise tourism and are loyal to the Celebrity and Royal Caribbean brands. That said, it’s not the best card for everyone. These alternative travel cards could work if it doesn’t sound like the right option for you.

United Gateway℠ Card

Why we like it : If you prefer traveling by air and are a loyal United customer, the United Gateway card is worth considering. This card features a welcome bonus: Earn 20,000 points after spending $1,000 in the first three months. You’ll also earn 2x miles on United purchases, on local transit and commuting, and at gas stations; and 1x miles on other purchases.

This card is well-suited for occasional United flyers, and it has a $0 annual fee.

Capital One Venture Rewards Credit Card

Why we like it : The Capital One Venture Rewards Credit Card is another great option if you’re looking for a card that could help you offset more general travel purchases. As a new cardholder, you can earn 75,000 bonus miles after spending $4,000 in the first 90 days.

This card’s reward structure is also fairly straightforward compared to some competitors. You’ll earn 5x miles on hotel and rental car purchases through Capital One Travel and 2x miles on everything else. You can redeem your rewards for trips through Capital One Travel, travel with over 15 partners, gift cards, merchandise, and more. The Capital One Venture Rewards card has a $95 annual fee.

Chase Sapphire Preferred Card

Why we like it : The Chase Sapphire Preferred Card is very popular, and with good reason. Cardmembers can earn a 60,000-point welcome bonus after spending $4,000 in the first three months. Those 60,000 points are worth 25% more when redeemed for travel through Chase.

Besides a generous welcome offer, you’ll earn 5x points on travel purchases in the Chase portal (excluding hotel purchases that qualify for this card’s annual $50 hotel credit); 3x points on restaurant, online grocery store, and select streaming service purchases; 2x on general travel purchases; and 1x on everything else. This card has a $95 annual fee.

This article was edited by Alicia Hahn

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers.

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We want this to be the best vacation of your life. Whether you’re travelling solo or with family, you always hope for the best – but you just never know what can happen during your trip.

If you have credit card travel insurance, or coverage through work, it may not have all the coverage you’ll want, so it’s wise to have a comprehensive Manulife plan on your side. You can choose from many affordable options to cover emergency medical expenses, baggage loss, trip cancellation, and more.

When you’re faced with unexpected health problems or disruptions, Manulife Travel Insurance can help you avoid costly out-of-pocket expenses. For more information, and to find out what is the best travel protection plan for you:

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In the Travel Insurance Division, Manulife combines quality protection at affordable rates. Along with unparalleled commitment to customer service, Manulife Travel Insurance provides customers with coverage options that are among the best in the industry.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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