ncl cruise line travel insurance

Quick Quote

• Airline Travel Insurance Review
• Country Travel Health Insurance
• Country Traveler Information
• Cruise Company Insurance Review
• Insurance Carrier Review
• Travel Company Insurance Review
• City Guides

Norwegian Cruise Travel Insurance - 2024 Review

Norwegian cruise travel insurance.

• Available at Check-Out
• Strong Insurance Partner
• Good Cancellation Protection
• Incredibly Expensive
• Totally Inadequate Medical Cover
• Very Poor Medical Evacuation Cover

Sharing is caring!

Norwegian cruise line was founded in 1966 and is the third largest cruise line in the world. Norwegian currently operates 17 ships and has plans to release 6 more soon. For their 17 fleets, Norwegian offers BookSafe Travel Protection.

In our Norwegian Cruise Travel (NCL) Insurance Review, we will run through the different trip insurance options that Norwegian offers and compare them against the wider travel insurance market.

First, let’s review the critical reasons to buy cruise travel insurance, to explain the logic behind some of our recommendations.

Norwegian Cruise Travel Insurance on Check-Out

For our review, we have two 62-year-old travelers going on a three-day cruise from Miami to the Bahamas. The total cost for the cruise came in at $1,102.76 for the two passengers.

As we get towards the check-out page, we are encouraged to buy Norwegian Cruise Travel Insurance. The exact image of what was presented is shown below. We are offered not one, but two cruise travel insurance options – ‘Platinum’ and ‘Standard’.

Don’t I Need to Buy Cruise Travel Insurance when I Buy My Cruise?

Every travel insurance policy has some ‘Time-Sensitive Benefits’ that are enabled when a traveler buys trip insurance within a short period of time after their initial trip deposit. This Time-Sensitive Period is normally 10-21 days. Generally, you have a couple of weeks to check out different trip insurance options. Get quotes from a few different travel insurance carriers to compare prices and benefits.

The main reason we want to get our cruise travel insurance in place sooner rather than later is that we get cancellation benefits once our travel insurance policy is in place.

Cruise Travel Insurance – Three Critical Benefits

Irrespective whether you buy Norwegian Cruise Travel Insurance, or buy a different travel insurance, there are three critical benefits that you really need to have in place.

• Cruise Cancellation Protection

Travel Medical Health Insurance

• Medical Evacuation Coverage

Norwegian Cruise Cancellation Insurance Protection

Every comprehensive trip insurance policy has cancellation benefits built in. When we refer to ‘Cruise’ travel insurance, we really do mean regular, comprehensive travel insurance. Every major travel insurance carrier has comprehensive trip insurance policies that will support you if you are traveling on a cruise ship, by rail, or by aircraft. It doesn’t matter to the travel insurance carrier what type of vacation you are enjoying. So don’t get caught up in buying a travel insurance policy with ‘Cruise’ in the title.

Norwegian Cruise Travel Insurance is referred to by Norwegian as ‘Booksafe Travel Protection’, so even Norwegian does not worry about including ‘Cruise’ in the title of their coverage. Every trip and cruise insurance policy will have basic cancellation protection that should offer a 100% refund for the following types of events:

• Accident, illness, or death of you, a traveling partner, business partner, or family member • Jury duty • Legal appearance • Traffic accident en route to airport • Death or hospitalization of your host at your travel destination • Weather • Bankruptcy of your travel provider

On a cruise, death or hospitalization of a host at destination is not relevant. But bankruptcy of your travel provider is important. Norwegian’s does NOT include bankruptcy protection, so please be careful on this.

These events happen rarely, which is why travel insurance policies include basic trip cancellation coverage for little cost. Many of us, however, will want additional travel cancellation protection.

NCL Cancellation Protection – Work

Norwegian Cruise Travel Insurance does a good job in offering us a 100% refund if we are terminated or laid off from full-time employment by our company. This assumes that the reason for the lay-off is no fault of our own. This is good coverage from Norwegian – only one year of continuous employment is required. Most airline policies, for example, require three years of continuous employment, so Norwegian does a good job in this respect.

However, what is missing with Norwegian’s policy is protection if our work vacation is cancelled. Norwegian Cruise Travel Insurance offers no vacation cancellation protection, and we consider this as a significant weakness for anyone who requires approval to go on vacation. Strong  Cancel for Work Reasons  Travel Insurance would incorporate this coverage. Norwegian Travel Insurance does not, so please beware.

There is one higher level of cancellation protection than Cancel for Work – it is called Cancel for Any Reason Travel Insurance.

Norwegian Cruise Cancellation Protection – Cancel for Any Reason

If you buy Norwegian Cruise Travel Insurance, you will get Norwegian's version of Cancel for Any Reason protection built in. It is not, strictly, insurance, as you will not get your money back if you cancel. You will get a credit to be used for future cruises, which is a pretty good substitute.

Norwegian Cruise Travel Insurance offers two alternatives – Platinum or Standard. Standard will provide a credit of 75% of your funds if you cancel your cruise with Norwegian. You can then use these funds for a future cruise. Platinum offers a 90% credit. The coverage is expensive, but travelers may well benefit from it. A sensible alternative to Norwegian’s Cancel for Any Reason coverage would be the  Cancel for Any Reason  protection that is embedded into many Comprehensive Travel Insurance policies. We will show a few alternatives later in this article.

Travel Medical Health Insurance is one of the most critical pieces of trip insurance that any traveler can have. It is essential, in our opinion. International private hospitals are not cheap and can often cost $3k to $4k per day. For this reason, we recommend that a traveler leaving the USA have at least $100k of Travel Medical Health Insurance in place.

Decent medical coverage is not expensive! Indeed, you will see this $100k figure in almost every comprehensive travel insurance available in the wider US market. The only time we are comfortable with less than $100k of travel medical insurance coverage is if the traveler has alternative insurance in place that the travel insurance can supplement. If you have any doubt - stick to $100k of Travel Medical Insurance coverage in any Travel Insurance, you buy.

Let’s look at all the coverage levels from Norwegian Cruise Travel Insurance. The price we see below is that quoted to us for our $1,102.76 cruise.

Norwegian Cruise Insurance Coverage - **Platinum**

$250 / Stateroom

• Trip cancellation or interruption for a covered reason - Total NCL vacation cost
• Trip Delay - $500
• Emergency Evacuation - $50,000
• Accidental Medical Expense - $20,000
• Sickness Medical Expense - $20,000
• Baggage / Personal Effects - $3,000
• Enhanced Cancellation Protection provided by NCL - 90% cruise credit

Norwegian Cruise Insurance Coverage - **Standard**

$130 / Stateroom

• Emergency Evacuation - $25,000
• Baggage / Personal Effects - $1,500
• Enhanced Cancellation Protection provided by NCL - 75% cruise credit

The Norwegian Standard plan offers $20k in medical insurance.  Norwegian Platinum Cruise coverage offers the same benefit, which is inadequate for an unforeseen medical emergency.

Cruise Insurance 101 Travel Insurance Marketplace

It’s relatively simple to get alternative travel insurance options for your Norwegian Cruise. In fact, we need only one minute of your time. At Cruise Insurance 101 , give us your travel details, and we share them anonymously with our Travel Insurance Carriers. You get a series of quotes, showing you rates and coverage levels, from some of the most respected Travel Insurance Carriers in the USA. We only work with carriers who have ‘A’ ratings from A.M. Best, and customer service levels that we are happy to recommend.

AIG Travel Guard Plus Insurance

One of our favorite low-cost travel insurance policies is the AIG Travel Guard Plus  plan. Here are the protection levels incorporated into the policy.

Time-Sensitive Benefits  • Cancel for Any Reason: 0% refund • Cancel for Work Reason: 100% refund • Preexisting Waiver: Yes • Time Sensitive Period: 21 days • Free Look Period: 15 days • Preexisting Look Back: 180 days  Regular Benefits  • Medical Coverage: Primary • Hospital of Choice: No • Covered Cancellation: 100% refund • Financial Default: Yes • Medical Sickness: $100,000 • Medical Evacuation: $1,000,000.

This travel insurance from AIG comes in at $78.44 for our two travelers. Yet, it has $100k of Travel Medical Health Insurance embedded into it. Let’s look now at our final piece of critical coverage – medical evacuation insurance.

Travel Medical Evacuation Insurance

Sometimes an accident or illness is so severe that a medical evacuation is necessary. We want to get the patient to the most suitable medical facility to treat them, and oftentimes this is not going to be in a small port city of an underdeveloped country. A medical evacuation can involve specially equipped private jets with associated doctors and nurses on board. A near-shore evacuation can cost $100k - $250k. An evacuation from Asia or Africa can easily cost $500k. These are the minimum levels of coverage that we ever recommend to a traveler. There is simply no logical reason in taking less protection than this.

Norwegian Medical Evacuation Coverage

So, what Travel Medical Evacuation coverage does Norwegian provide in its two policies?

• Standard - $25k
• Platinum - $50k

What level of medical evacuation coverage do we see in a low-cost travel insurance?

• AIG Travel Guard Plus - $1,000,000

Again, this is a massive increase in protection from what is one of our cheapest policies. The Norwegian Cruise Insurance is totally inadequate in this regard.

Cancel for Work and Cancel for Any Reason

Where the AIG Travel Guard Policy also rates well is that it offers work vacation cancellation protection. If your previously approved vacation is cancelled, AIG will provide a 100% refund of your non-refundable costs. From such a low-cost travel insurance policy, that is a great benefit. Remember, Norwegian Cruise Travel Insurance does not provide this protection.

If you would like a policy with the optional benefit of  Cancel for Any Reason  trip cancellation protection, the Travel Insured WorldWide Trip Protector Plan is a great option.

It incorporates true Cancel for Any Reason protection. We say ‘true’ coverage, because if you need to cancel for any reason not normally covered by your other policy benefits, the insurer will write you a check for 75% of your trip costs. Cash is better than credit.

Here are the policy benefits:

Time-Sensitive Benefits

• Cancel for Any Reason: 75% refund
• Cancel for Work Reason: 100% refund
• Pre-Existing Waiver: Yes
• Time Sensitive Period: 21 days
• Free Look Period: 14 days
• Pre-Existing Look Back: 60 days

Regular Benefits

• Medical Coverage: Primary
• Hospital of Choice: Yes
• Covered Cancellation: 100% refund
• Financial Default: Yes
• Medical Sickness: $100,000
• Medical Evacuation: $1,000,000

Evacuation benefits are 50 times as much as Norwegian Cruise coverage. Medical coverage is five times as much. Travel Insured’s Medical coverage is Primary; Norwegian’s is Secondary. All this coverage costs 14% LESS than Norwegian’s Platinum coverage!

Norwegian Cruise Travel Insurance Review – Conclusion

Norwegian offers two policies that are expensive, with little in the way of critical protection for some of the most expensive risks. We consider the policies that Norwegian offers to be unsuitable for almost all travelers. There are many other options available to cruise customers by searching within the wider travel insurance market. We rate Norwegian Cruise Line insurance a 7 out of 10.

Cruise Travel Insurance in the USA

The US has one of the most significant travel insurance markets on earth. At  Cruise Insurance 101  we take the leading Trip Insurance Carriers and place them in our marketplace. We offer you at least a dozen alternative policies from these leading insurers. The rates we show are the same as if you had gone direct to every travel insurer yourself. We do not mark up prices. In fact, US anti-discrimination law  prevents such practices . As such, we can guarantee that you cannot buy the same policy at a lower rate.

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

Lady Coinbits

My agent, Shanna was awesome. Helped me find the best policy or my needs and explained everything to me.

monica munoz

Excellent customer service.

Spoke to Melanie. Excellent customer service, she was very thorough, answered all my questions, and was very nice.

A number of policies to choose from

A number of policies to choose from. Fast response. Reasonable price.

Travel Insurance

An illness, an accident or an unexpected situation can arise before or during any type of vacation. Such an event might cause you to cut short your cruise or cause your trip to be canceled altogether. Unfortunately, most cruise lines impose penalties for canceling a cruise, up to and including loss of the entire cruise price.

Because a cruise is a significant investment, most cruise lines offer some form of insurance to protect their passengers from financial loss in the event of an emergency. Details and prices vary from cruise line to cruise line, as do coverage limits and exclusions.

If you decide to purchase insurance, you will have two options, to go with the cruise line's plan or to use our independent insurance provider, Generali Global Assistance. Use the summaries below to compare policies and prices.

Generali can provide insurance coverage to all customers, regardless of their country of citizenship, except residents of the province of Quebec, Canada.

For more information or a complete copy of a policy, ask your Vacations To Go cruise counselor.

Independent Insurance Coverage

Generali Global Assistance

Cruise Line Coverage

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Is Cruise Travel Insurance Worth the Cost?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What is cruise travel insurance?

What does cruise travel insurance cover typically, how much is travel insurance for a cruise, do i need it if i have other travel protections, is cruise travel insurance worth it.

Cruise travel insurance covers the cruise itself, not related travel.

It's usually purchased through the cruise operator, typically before booking.

Check to make sure your credit card doesn't offer similar insurance before buying cruise insurance.

Cruising is one of America's favorite travel experiences. According to a 2021 report from Cruise Lines International Association, an industry trade association, 82% of cruisers will cruise again. As well, 62% of non-cruisers are open to the idea.

And why not? Cruises often give travelers the chance to experience multiple destinations plus enjoy onboard entertainment, activities and dining for a set, all-inclusive price . Cruises simplify budgeting in a year when travel prices have been hard hit by inflation .

But what happens if something goes wrong with your ship, or you can’t make it onboard because of health concerns? Cruise travel insurance might be the answer. It protects your payment and covers you against illness or injury.

Before you pay for a cruise travel insurance policy, here's a look at what it is, how it works and if it's worth it.

Cruise travel insurance is add-on insurance coverage that — just like travel insurance — will reimburse you for delays, interruptions, medical situations or other problems during the cruise.

Depending on which cruise line you're traveling with, you might be able to buy a travel insurance policy when booking your trip (through the cruise line directly) or at a later date (either through the cruise line or separately from a third party).

Protecting travel costs can be a smart money move. A September 2022 survey of 737 past cruisers by InsureMyTrip found that the average trip cost for an insured cruise vacation so far this year is $6,367, an increase of nearly 15% from before the pandemic.

Can you buy travel insurance after booking a cruise? It depends. Some cruise lines require the purchase of a travel insurance policy before the final payment date when charges become nonrefundable. Others require the purchase of coverage a certain number of days before departure. Read the fine print to find out the deadline to purchase and the specifics of its coverage.

Circumstances covered by cruise travel insurance vary by policy and by issuer. Many cruise lines partner with an insurance company to underwrite its policy benefits.

Some common benefits available as part of travel insurance from a cruise line include:

Trip cancellation and interruption . If you cancel your trip or unexpectedly cut it short for an eligible reason, such as severe weather or illness, you'll get back some or all of the upfront costs, depending on the policy.

Cancel For Any Reason . This coverage tends to be more flexible, forgiving and expensive at time of purchase. Policyholders can cancel for any reason not listed in the policy and still receive a portion of their trip cost back, either as cash or as a future cruise credit (assuming they meet other eligibility requirements).

Trip delay . Cruise delay insurance protection protects expenses if your trip is delayed beyond a set number of hours.

Baggage protection . This insures your luggage if it is lost, stolen, damaged or delayed, and gives money to buy necessary items until bags are recovered.

Medical coverage . If you get sick or injured during the trip, the policy covers treatment and related expenses up to a limit.

Emergency evacuation . When emergency evacuation is necessary, the policy covers the transport cost up to a limit.

COVID coverage . If your trip is canceled or interrupted due to COVID, the policy covers the unused prepaid expenses, medical treatment and emergency evacuation, up to policy limits.

When comparing policies, choose a policy that includes all of the benefits, protections and coverage limits that are important to you. While you may be tempted to choose the lowest-priced option, that policy may not have the coverage you need.

We examined cruise insurance prices for a seven-day trip in February 2023 from the U.S. to Mexico. The example traveler was 35 years old, from Georgia, and planned to spend $2,500 on the trip, including airfare.

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

Separately, we looked at five different cruise insurance add-ons for a similar trip. With this option, the average cost of basic coverage was cheaper than a standalone policy at $111.20. Keep in mind that cruise insurance policies offered by cruise lines typically cover the cruise portion of the trip only, but do include some Cancel For Any Reason coverage.

If you already have a standalone travel insurance policy or a credit card with travel protections, you may wonder if you need to purchase a cruise travel insurance policy.

Credit card travel insurance

Many travel credit cards include travel protections such as trip cancellation, interruption, delayed or lost luggage reimbursement, and emergency evacuation benefits. Before buying a cruise travel policy, compare the coverage benefits and limits to determine if you already have coverage with a credit card.

One benefit that cruise travel insurance policies offer that credit cards don't is the ability to cancel for any reason. Although you may not get back 100% of the cruise price, these policies allow you to cancel for any reason and get a portion of the price back as a credit toward a future trip. If the policy is priced low enough, it may be worth buying the insurance offered through your cruise line for that benefit alone.

Travel insurance policy

Standalone travel insurance policies can be purchased to cover one person or a family for a specific trip or multiple trips within a period of time. These policies are available at a variety of price points to meet a traveler's budget. When comparing policy options, you can balance price versus coverage options.

If you're traveling multiple times within a short period of time, it may be more economical to buy a more comprehensive travel insurance policy instead of separate policies for each trip.

Cruise travel insurance can be worth it to address your concerns about traveling and protect your investments. These policies offer numerous protections that will cover your expenses in case your trip is canceled, interrupted or delayed, or if you get sick during the trip.

Before buying this coverage, compare your options against your credit card benefits. You might also shop for general travel insurance policies to see if you can get a better deal than what’s offered through your cruise line.

If you’re not covered by your credit card, cruise travel insurance can be worth the added cost. It will give you peace of mind before setting sail, when signing up for that adventurous land excursion and when clicking "Book" for an expensive vacation in the COVID travel landscape.

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.

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

What does cruise travel insurance cover? And does it pay to buy cruise travel insurance?

The answer is not always clear-cut, as we'll discuss in this guide. But consider this: It's not always smooth seas when it comes to cruising. Even the best-laid plans for a cruise vacation can sometimes be thrown off course by an unexpected event.

You might need to cancel a cruise in advance due to the sudden onset of an illness, such as COVID-19 or the flu. Or, maybe you fall ill during the cruise and need emergency medical attention. Maybe your flight to your ship gets canceled, and you miss the vessel's departure. Or your ship is late arriving in port at the end of a voyage, and you miss your flight home.

In all of these situations, you might benefit from having cruise travel insurance — keyword "might."

Cruise insurance policies vary widely, and not every policy covers every type of mishap. That's why it always pays to read the fine print in a travel insurance policy before you purchase it to know what you're getting in advance.

It's also why you should read this introduction to everything you need to know about cruise insurance. It has many details, but the next time something unexpected happens on your cruise vacation, you'll be glad to be educated and covered by a comprehensive travel insurance policy.

What does travel insurance cover when you cruise?

The typical cruise insurance policy covers a wide range of circumstances that can go wrong in conjunction with a vacation at sea — both before and during the sailing.

For starters, policies often will reimburse you for the cost of canceling a cruise due to a last-minute crisis. They will also often cover costs related to an interruption of a cruise (maybe your ship breaks down, requiring you to fly home mid-voyage ). These two elements are known as trip-cancellation and trip-interruption insurance, and they are bundled into a typical travel insurance policy.

Some policies will also cover out-of-pocket costs related to a flight delay or cancellation that results in you missing your cruise departure (for instance, the cost of catching up to the ship at its next port). Expenses related to baggage delays and loss are often covered as well.

But perhaps most importantly, many travel insurance policies will cover medical expenses you incur while on a cruise. Some will even cover the cost of evacuating from a foreign destination if you are in the midst of a medical crisis.

Travel insurance giant Allianz Global Assistance reports that 53% of all cruise-related "billing reasons" for claims are because of illness for the insured person, while 14% are for an injury. Another 8% are for the illness of a family member, 4% for the death of a family member and 4% for the illness of a traveling companion, among other reasons.

Those percentages include illness and accidents that happen to cruisers just before a trip, making travel impossible. But, in many cases, such claims result from illness and injuries that occur during voyages.

"People often take risks during vacation that they might not take back home, whether riding a jet ski, zipping around on a motorized scooter in a city they don't know well or hiking unfamiliar terrain," James Page, senior vice president and chief administration officer of AIG Travel, told TPG .

Some policies also cover the financial default of a travel provider. In such cases, if your cruise line goes out of business before you sail, you could get all — or at least some — of your money back.

Cruise travel insurance policies don't cover everything. For instance, standard travel insurers generally will not reimburse you for the cost of a cruise you cancel due to worries about an outbreak of an illness. That's true even if a U.S. government agency such as the U.S. Centers for Disease Control and Prevention issues a recommendation that you don't cruise due to an illness outbreak, as it did during the COVID-19 pandemic .

If you want the ultimate flexibility to cancel for such a reason or any other, you'll want to look into a more expensive cancel for any reason travel insurance upgrade.

Related: Avoiding outbreaks isn't covered by most travel insurance policies

Where to find a cruise travel insurance policy

You can buy a travel insurance policy directly from your cruise line when booking your trip or through your travel agent (if you're using one, which often is a good idea when booking a cruise). You also can go directly to a third-party travel insurance provider or a travel-insurance aggregator site, such as InsureMyTrip or TravelInsurance . Your credit card might even give you some travel protections.

Here's what you need to know about each type of cruise travel insurance.

Third-party insurance companies

Third-party insurance companies that specialize in writing travel insurance include AIG Travel, Allianz Travel Insurance, Travelex Insurance and American Express Travel Insurance.

One reason to use a travel agent or a travel aggregator: They can help you find a policy that offers added coverage specific to cruising.

Related: The Points Guy's guide to the best travel insurance companies

"Many plans now offer benefits that will specifically appeal to cruise travelers, such as missed connection, missed port-of-call and cruise disablement coverage," Stan Sandberg, cofounder of TravelInsurance.com, said.

Missed connection coverage reimburses cruisers for a set dollar amount if they need to rebook travel to catch up with their cruise at the next port. Missed port-of-call coverage pays a benefit if the cruise ship misses a scheduled port of call due to weather, a natural disaster or a mechanical breakdown.

Cruise disablement coverage pays a benefit if the traveler is confined on a ship for more than five hours without power, food, water or restrooms.

As noted, policies vary widely. It's a good idea to compare plans and make sure the one you buy has the elements that are most important to you. One size doesn't fit all.

Credit cards with travel benefits

Some premium credit cards offer valuable travel protections comparable to what you might get from a standard travel insurance plan. For example, the travel insurance provided when you pay for travel with select cards can reimburse you for expenses if your baggage is damaged, you're stranded overnight due to a flight delay or cancellation, or you have to return home to handle a family medical emergency.

The Chase Sapphire Reserve card, for example, offers trip delay reimbursement, trip cancellation and interruption insurance, emergency medical coverage and even medical evacuation coverage , among other benefits. And yes, cruise lines are considered common carriers just like airlines.

If you're planning to rely on a card like the Chase Sapphire Reserve or The Platinum Card® from American Express * (among others) for travel insurance, just be sure to recheck your card's benefits and limits carefully against regular travel insurance. You must pay for at least part — and sometimes all — of the trip with that credit card to take advantage of its protections.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

Related: The best credit cards for booking cruises

Find out if your credit card protection includes travel accident insurance or covers preexisting medical conditions, and figure out when it will pay you back. Other questions to ask: What are the coverage limits? Will you have to pay for a foreign hospital bill upfront and then seek reimbursement later?

Cruise lines

Cruise lines often ask consumers booking a cruise to buy the line's own protection at the time of purchase. If specifics about the coverage are lacking, always ask the line for details in advance, review coverage perks and limits; then, compare those to one or two independent travel insurance policies or your credit card's insurance benefits.

Related: A beginners guide to picking a cruise line

Cruise line travel insurance policies sometimes have quirks. Many cruise companies will only offer a travel voucher or credit for future use in the event of a covered cancellation, not an outright refund.

Also, financial default may not be a covered event in a cruise line-sold policy, but it's typically covered with plans from third-party travel insurance companies.

Cruise line policies also can be more restrictive.

"Cruise line insurance seems to have become better and has more widespread coverage than in the past, but it typically won't cover air or pre- and post-travel [arrangements] unless those elements are purchased through [the line]," said Debra Kerper, a Cruise Planners travel adviser from Carrollton, Texas, who books travel and sells private insurance. "This is when private insurance coverage becomes so very important."

How much does cruise insurance cost?

Expect to pay anywhere from 4% to 8% of your total prepaid, nonrefundable trip expenses for a travel insurance policy. That's a wide range, we know, but it reflects the wide range of products out there.

You'll also find some basic plans that cost even less than 4% of your trip expenses, while some super-premium plans that cover just about any conceivable issue can cost as much as 12% of your trip expenses.

Related: What's included in your cruise fare?

All reputable insurance companies will offer a "free-look period" during which you can receive a 100% refund on your premium. This allows you to review the policy you've selected and return it for any reason within the period allotted — usually for a small administration fee of less than $10.

Under normal circumstances, you don't need to purchase a so-called "cancel for any reason" add-on to your cruise travel insurance policy unless you really need the flexibility. The upgrades are significantly more expensive.

You can receive a quote and purchase a policy online in minutes with any credit card. Although you may think travel insurance should code as "travel" when paid on a credit card and thus be eligible for bonus points on certain cards, that isn't always the case. Your points earnings will depend on the individual underwriter's merchant code. When in doubt, expect the purchase to fall under the insurance category for earnings.

Should I buy travel insurance for a cruise?

Whether you buy travel insurance is a personal decision that will depend on many factors. Would you be willing to absorb the loss of canceling a cruise on short notice due to an illness or accident? Could you afford an evacuation flight from a far-off port if you suddenly became seriously ill? Only you can answer those sorts of questions.

Here are some things to consider as you make that decision.

You might not be covered by regular medical insurance while cruising

If you're a U.S. citizen traveling internationally (which will be the case for most cruises), you may find that most private medical insurance plans in the U.S. won't cover you.

Additionally, Original Medicare only covers people traveling outside U.S. borders in limited circumstances.

While certain Medicare Supplement Plans do have some foreign emergency medical benefits, not all do. Be sure to talk to your Medical Supplemental Plan provider to see if you're covered, what's covered, what the limits are and how the bill is paid.

Also note that, in some countries (particularly those in Central and South America), travelers may not be discharged from a hospital until their bill is paid in full.

Related: Trip wrecked: 7 ways to prepare for any kind of travel disaster

Plus, if you have a medical incident overseas, you could find yourself stuck in a shared hospital room without air conditioning or a private bathroom. The level of care may not be what you expect.

"For people traveling internationally, it's crucial to know beforehand where to go for any treatment … and how they're going to pay for that treatment," Page said.

Getting evacuated for a medical condition is expensive

Most airlines won't accept seriously ill passengers, those carrying bulky medical equipment or those requiring a full medical team.

Even a low-cost weekend getaway on a cruise to the Bahamas out of Miami can turn costly if you suffer a serious accident or illness requiring medical treatment or an emergency medical evacuation.

Related: Do cruise ships have doctors, nurses, medical centers or hospitals?

Being flown back to the U.S. from a far-flung overseas location in a private, medically equipped aircraft, with a professional medical team on board, can run between $70,000 and $180,000, according to Mike Hallman, president and CEO of Medjet, a medical transport membership company.

"Domestic transports, which we cover as well, can cost upwards of $30,000," Hallman said.

Without proof of medical evacuation coverage, foreign providers will also want that money upfront. Hallman said that regular travel insurance will typically get you to an acceptable overseas hospital and even to a higher-level care facility if "medically necessary." Alternatively, medical evacuation coverage means you can fly home to your own hospital, doctors and family — without claim forms, cost caps on transports or surprise bills.

The tandem approach — buying both travel insurance and a separate medevac transport membership — is a good option, Hallman said.

"We always recommend travel insurance, as it covers trip interruption, which is important, as well as medical coverage for the hospital and treatment costs," he said. "We pick up where they leave off."

You can't predict the weather

Cruising is a great way to explore multiple destinations in one trip. But it's good to remember that unexpected delays, interruptions or cancellations due to weather can happen during cruises, particularly during hurricane seasons in places such as the Caribbean and Asia (where hurricanes are called typhoons).

During a typical hurricane season (June 1 to Nov. 30), Allianz pays about 6,000 claims from customers whose travel plans in the Caribbean, Gulf of Mexico and southeastern U.S. are affected by the storms, according to a spokesperson for Allianz Global Assistance USA.

If you're hoping to insure against a storm-related disaster, it's good to buy travel insurance as early as possible. Once a storm or hurricane is named, it's too late to buy travel insurance to cover it.

Of course, cruise lines will move ships away from a weather threat. When the port lineup is adjusted or the cruise shortened, the company will offer the guest an onboard credit, onboard gift or future cruise credit rather than any refund. It depends on the circumstances of that specific voyage. You won't be able to make a claim on your cruise travel insurance policy just for a minor itinerary change .

Related: Everything you need to know about cruising during hurricane season

Costs can mount quickly when things go wrong

Even if the cruise line does provide a full or partial refund or cruise credit for an itinerary change or some other interruption, travelers could have to swallow the cost of other travel elements not purchased through the line. That could include nonrefundable flights , prepaid resort or hotel nights, nonrefundable tour fees and more.

Travel insurance can cover those, plus help with flight delays or cancellations, baggage loss or theft.

If a winter storm causes you to miss your flight to where the ship is boarding , "travel insurance could help you get to the next port to join the cruise, so you don't miss your entire trip," Page said.

In fact, 13% of "billing reasons" for claims to Allianz are for common carrier delays (such as a flight delay), while weather and natural disaster-related claims account for about 3%.

The government probably won't bail you out

While cruise ships have medical facilities, they're usually not equipped to treat serious illnesses. If you experience a serious medical problem on a vessel, you may have to get off the ship in a foreign port to seek treatment at a hospital. In such a case, if you don't have medical evacuation insurance, you may then find yourself stranded in that port awaiting a medical evacuation.

Don't expect Uncle Sam to step in and help foot the bill.

The U.S. Department of State's Bureau of Consular Affairs clearly states the importance of buying travel insurance.

"The U.S. government does not provide medical insurance for U.S. citizens overseas," the bureau says on the website. "We do not pay medical bills. You should purchase insurance before you travel."

You may need more assistance than you think

If you're injured or become severely ill during a cruise, especially in a foreign country, it may be difficult to access help without the assistance of trained professionals that comes with many insurance plans.

Many travel insurance companies provide around-the-clock assistance with locating overseas clinics and pharmacies, getting to a doctor or hospital, refilling lost or depleted prescriptions, assisting with up-front payments to hospitals, and arranging flight changes so you can get home.

Travel insurance companies also can arrange for an air ambulance, a nurse escort, oxygen and a lie-flat seat on a flight home if your medical condition warrants it.

You want to be careful if you have preexisting conditions

When you cruise, it's important to be fully covered, which means having comprehensive medical coverage that includes any preexisting conditions. Otherwise, if you head into a doctor's office overseas, have any tests completed, or visit an urgent care center or emergency room, you might not be covered.

Here, timing is extremely important. Cruisers seeking coverage of preexisting conditions, as well as cancel for any reason insurance, generally must book within seven to 21 days of the first payment they make for a trip. The timing varies by insurer.

Bottom line

Cruise insurance isn't for every traveler — or even for every sailing. It's not inexpensive. However, it can bring a lot of peace of mind if you're about to head out to sea. Do your homework, compare plans and always assess the risks.

Planning a cruise? Start with these stories:

• The 5 most desirable cabin locations on any cruise ship
• The 8 worst cabin locations on any cruise ship
• A quick guide to the most popular cruise lines
• 21 tips and tricks that will make your cruise go smoothly
• Top ways cruisers waste money
• 12 best cruises for people who never want to grow up
• The ultimate guide to what to pack for a cruise

• Cruise and Hotels
• Norwegian Cruise
• Essential Guide to Norwegian Cruise Health Insurance: Benefits and Coverage Explained

Norwegian Cruise Health Insurance is a vital aspect to consider when planning for a cruise vacation. It provides coverage for unexpected medical expenses and ensures peace of mind during your journey. However, understanding the benefits and coverage of this insurance can be complex. That’s why we have put together this Essential Guide to Norwegian Cruise Health Insurance: Benefits and Coverage Explained, to help you navigate through the intricacies of this important aspect of your travel plan.

In this guide, we will break down the essential elements of Norwegian Cruise Health Insurance, providing you with a clear understanding of what it entails and how it can benefit you. From emergency medical coverage to trip cancellation protection, we will explore the comprehensive coverage options available and explain the benefits each one offers. Additionally, we will discuss the pre-existing condition coverage, exclusions, and limitations, ensuring that you have a complete picture of what is included in your policy.

To give you a quick overview of the key points covered in this guide, here is a table summarizing the most important aspects of Norwegian Cruise Health Insurance:

By referring to this guide, you will gain valuable insights into Norwegian Cruise Health Insurance, allowing you to make informed decisions when selecting the right coverage for your needs. Whether you are a first-time cruiser or a seasoned traveler, this guide will serve as a valuable resource to ensure you have the necessary protection for a worry-free cruise experience.

Sources: – [Norwegian Cruise Line Travel Protection](https://www.ncl.com/why-cruise-norwegian/travel-protection) – [Understanding Travel Insurance](https://www.insuremytrip.

Does my health insurance cover me on a cruise ship?

When planning a cruise vacation, it is essential to consider whether your health insurance provides coverage while you are on board. While some health insurance plans may cover emergency medical expenses on a cruise ship, it is crucial to review your policy’s benefits and limitations. The Essential Guide to Norwegian Cruise Health Insurance: Benefits and Coverage Explained provides detailed information on the various factors to consider, such as the type of coverage you have, the geographical limitations, and the potential need for additional travel insurance. Understanding your health insurance coverage beforehand will ensure peace of mind and can help you make informed decisions regarding your health and well-being during your cruise. For more information on this topic, please refer to the Essential Guide to Norwegian Cruise Health Insurance: Benefits and Coverage Explained.

What is covered by cruise insurance?

Cruise insurance offers coverage for a range of situations that can occur during your trip, ensuring peace of mind and financial protection. Norwegian Cruise Health Insurance provides benefits such as emergency medical expenses, medical evacuation, trip cancellation/interruption, and lost baggage. In case of a medical emergency, the insurance covers the costs of hospitalization, doctor visits, and prescription drugs. Additionally, if you need to be transported to a medical facility, the insurance will arrange and cover the expenses of medical evacuation. Trip cancellation or interruption due to unforeseen events, such as illness or severe weather, is also covered, allowing you to recoup your non-refundable expenses. Furthermore, if your baggage is lost, damaged, or stolen, the insurance will provide compensation for your belongings. It is important to carefully review the policy and understand the coverage limits and exclusions before selecting a cruise insurance plan.

Does your insurance work on a cruise ship?

When planning a cruise vacation, it is crucial to consider whether your insurance will cover any potential health emergencies that may occur on board. The Essential Guide to Norwegian Cruise Health Insurance: Benefits and Coverage Explained provides valuable insights into this matter. While some insurance policies may offer limited or no coverage on cruise ships, it is recommended to opt for a comprehensive travel insurance plan specifically designed for cruises. These plans typically include benefits such as emergency medical coverage, evacuation services, trip cancellation/interruption coverage, and baggage loss/delay coverage. It is crucial to review the policy details, limitations, and exclusions before purchasing insurance to ensure it meets your specific needs.

How much does it cost to see a doctor on a cruise ship?

The cost of seeing a doctor on a cruise ship can vary depending on the cruise line and the specific medical services required. Most cruise ships have onboard medical centers staffed by qualified doctors and nurses to attend to passengers’ healthcare needs. These medical centers are equipped to handle minor illnesses and injuries. However, it is important to note that medical services on cruise ships can be expensive, with initial consultations typically ranging from $80 to $150, excluding any additional treatment or medications. It is strongly recommended for cruise passengers to have adequate health insurance coverage that includes medical expenses incurred while on board. This ensures peace of mind and financial protection in the event of a medical emergency at sea. For more information on health insurance options for Norwegian cruise passengers, please refer to the Essential Guide to Norwegian Cruise Health Insurance: Benefits and Coverage Explained.

Is ncl travel protection worth it

When considering a Norwegian Cruise Line (NCL) vacation, it is important to evaluate the value of NCL travel protection. This comprehensive insurance plan offers benefits that can provide peace of mind and financial protection in the event of unforeseen circumstances. The coverage includes trip cancellation and interruption, medical expenses, emergency medical evacuation, and baggage protection. With NCL travel protection, travelers can relax and enjoy their cruise knowing they are protected against unexpected events. To learn more about the benefits and coverage of NCL travel protection, visit the official Norwegian Cruise Line website.

In today’s world, health insurance has become an essential part of our lives. Whether we are traveling abroad or simply planning a cruise vacation, it is crucial to understand the benefits and coverage offered by health insurance plans. This is especially true when it comes to Norwegian Cruise Line, one of the most popular cruise lines in the world. In this comprehensive guide, we will delve into the intricacies of Norwegian Cruise health insurance, explaining the benefits and coverage provided by these plans.

First and foremost, it is important to note that health insurance for Norwegian Cruise Line is not mandatory, but it is highly recommended. Accidents and illnesses can happen at any time, and being prepared with the right insurance coverage can provide peace of mind and financial protection. Norwegian Cruise Line offers a variety of insurance plans that cater to different needs and budgets. These plans are designed to cover medical expenses, emergency medical evacuation, trip interruption, trip cancellation, and other unforeseen circumstances that may arise during your cruise vacation.

One of the key benefits of Norwegian Cruise health insurance is the coverage it provides for medical expenses. While onboard medical facilities are available on Norwegian Cruise ships, they are not free of charge. In case of illness or injury, having health insurance can alleviate the burden of hefty medical bills. Norwegian Cruise health insurance plans typically cover doctor visits, hospital stays, prescription medications, and medical treatments. It is important to carefully review the terms and conditions of the insurance plan to understand the limits and exclusions of coverage.

Emergency medical evacuation is another critical aspect of Norwegian Cruise health insurance. In the event of a serious medical emergency that requires immediate medical attention beyond the capabilities of the onboard medical facilities, emergency medical evacuation ensures that you will be transferred to the nearest appropriate medical facility. This can involve helicopter or air ambulance services, which can be extremely expensive without insurance coverage. Norwegian Cruise health insurance plans often include emergency medical evacuation as part of their coverage, providing peace of mind and financial protection in case of a medical emergency.

Trip interruption and trip cancellation coverage are also important components of Norwegian Cruise health insurance. Unexpected events such as illness, injury, or natural disasters can disrupt travel plans and result in financial loss. Trip interruption coverage reimburses you for the unused portion of your trip if you are forced to interrupt your cruise due to covered reasons. Trip cancellation coverage, on the other hand, provides reimbursement for non-refundable trip expenses if you have to cancel your cruise before it even begins. These benefits can save you from significant financial loss and allow you to reschedule or cancel your cruise without worrying about losing your investment.

When considering Norwegian Cruise health insurance, it is essential to read the policy carefully and understand the coverage, limits, and exclusions. Each insurance plan may have different terms and conditions, so it is important to choose a plan that best suits your needs and budget. It is also a good idea to compare different insurance providers and obtain quotes to ensure you are getting the best coverage at a competitive price.

In conclusion, Norwegian Cruise health insurance offers valuable benefits and coverage for travelers embarking on a cruise vacation. From medical expenses to emergency medical evacuation and trip interruption/cancellation coverage, these insurance plans provide financial protection and peace of mind. It is crucial to carefully review the terms and conditions of the insurance plan, compare different providers, and choose a plan that suits your needs and budget. By investing in Norwegian Cruise health insurance, you can enjoy your cruise vacation with the knowledge that you are protected in case of unforeseen circumstances.

Sources: 1. Norwegian Cruise Line – Travel Protection Program: [https://www.ncl.com/freestyle-cruise/travel-protection-program] 2. Cruise Critic – Norwegian Cruise Line Travel Insurance: [https://www.cruisecritic.com/articles.cfm?ID=1562] 3. InsureMyTrip – Norwegian Cruise Line Travel Insurance: [https://www.insuremytrip.com/travel-insurance-plans-coverages/norwegian-cruise-line/] 4. TripSavvy – Norwegian Cruise Lines Travel Insurance: [https://www.tripsavvy.

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Save my name, email, and website in this browser for the next time I comment.

• Share full article

Advertisement

Supported by

Help! I Missed a Cruise and the Cruise Line’s Own Travel Insurance Won’t Pay.

A young woman booked her first big trip, a Mediterranean cruise on Norwegian, but missed the boat when her flight was delayed. Since she bought the cruise line’s own travel protection plan, why is she stuck with the bill?

By Seth Kugel

Dear Tripped Up,

After graduating from college in 2022 and working for a year, I used my bonus and some of my savings to book a nine-day Mediterranean cruise on Norwegian Cruise Line for my partner and me. Our $7,657 cruise package included airfare from Atlanta to Barcelona, Spain, via Newark, and Norwegian’s own BookSafe Travel Protection Plan , which included travel insurance and also allowed me to “cancel for any reason” for a 75 percent credit. Weather delayed our first flight, we missed the connection, and United Airlines could not get us to Barcelona in time to embark. I called Norwegian and agents suggested I buy last-minute tickets on a different airline, but I don’t have that kind of money. And even if I did, there were no direct flights to later ports, and I was unwilling to risk missing another connecting flight. So we spent the night in the Newark airport, paid for a return flight to Atlanta the next morning and canceled the cruise and remaining air legs. I got $1,184 back right away from Norwegian, and then an additional $232 back (for my return flight) from travel insurance when I filed a trip delay claim, but a trip cancellation claim for the cruise was denied outright. I feel I should at least get the 75 percent credit — otherwise what was the protection plan for? Can you help? Ivy, Atlanta

You’re not the first traveler to write Tripped Up after missing a cruise because of flight delays on the very itinerary the cruise company booked for them.

You also went out of your way to solve this problem on your own, first, registering complaints with the Better Business Bureau, the Georgia attorney general, and the Department of Agriculture and Consumer Services in Florida (where Norwegian is based), all to no avail. Even when I offered to help, you didn’t stop and — before I could do anything — prodded Norwegian into giving you a slightly-more-than-75-percent credit, or $5,420, for a future cruise “as a gesture of good will.” Impressive.

I would have moved on to help another Tripped Up reader, but Norwegian’s use of the responsibility-shirking phrase “as a gesture of good will” bugged me. I wanted to know why BookSafe didn’t cover you, and what other cruise customers can do to protect themselves.

The BookSafe plan actually has two main parts: a travel insurance policy, administered by Aon Affinity and underwritten by Nationwide, and a “cancel for any reason credit feature,” provided by Norwegian itself.

I read through the fine print, and it turns out (and Aon confirms) the travel insurance portion does not provide reimbursement for a cruise if airline issues cause a traveler to miss it. But under the Cancel for Any Reason component, it looks to me as if Norwegian should have given you that credit with no hassle.

I tried to confirm that with Norwegian, but the company declined to answer most of my questions, instead responding with imprecise statements via email.

“Although Norwegian Cruise Line provides flight arrangements as part of its cruise offering,” the first email read, “we do not have control over the operations of the airlines and are not responsible for any flight modifications or cancellations.”

“It is because of the very nature of unexpected situations, such as this, that we strongly recommend all guests purchase travel insurance,” the statement continued.

But again, you purchased the travel protection plan and the insurance portion did not cover you. As for the Cancel for Any Reason credit component, Norwegian sent another email, which you forwarded, that read, “We are unable to issue credits for the penalties assessed to your reservation as this does not qualify under Cancel for Any Reason prior to departure.”

When you complained to the Better Business Bureau initially, Norwegian doubled down, giving it same wording.

I can’t understand why. For the credit to kick in, BookSafe clearly states you need only cancel “prior to the ship’s departure,” not prior to your flight’s departure. You forwarded me a cancellation document, dated the day you flew back to Atlanta — which was also the day the cruise set sail. That would seem to qualify, unless Norwegian determined the cancellation took place minutes or hours after the ship departed. That would be pretty disingenuous of them, considering you had been on the phone with them since the night before, asking about your options.

When I asked Norwegian about the original rejection, I got a statement saying you “had incorrectly filed a claim for a trip delay instead of a trip cancellation claim" and that the credit was “later added” to your account.

To me, that’s somewhere between muddled and false. What actually happened was that you filed a “trip delay” claim to Aon that turned out only to cover your flight back to Atlanta. (That’s what trip delay coverage does, cover unexpected expenses.) Then, you filed a “trip cancellation” claim, also to Aon, but that was never going to work: Trip cancellation coverage lapsed once you got on the plane and yet another kind of coverage, “trip interruption,” kicks in. But filing for that wouldn’t have done you any good: Norwegian’s trip interruption policy does not cover airline delays.

That’s why you ended up — after some blood, sweat and tears, that is — with the 75 percent credit from Norwegian.

It’s confusing, no doubt. You fell into a common trap about trip cancellation, delay and interruption policies — assuming that this coverage will pay for anything that is truly not your fault. But claims adjusters tend to be extremely literal in interpreting the fine-print list of “perils” or “hazards” your policy covers.

“If it’s there, you’re good, and if it’s not there, you’re not good,” said Stan Sandberg, a co-founder of TravelInsurance.com , a site that aggregates policies from different companies, providing convenient direct links to the state-specific policies.

I got curious and decided to compare the fine print of BookSafe with the default travel protection plans at cruise operators like Carnival, Disney, MSC, Princess, Royal Caribbean and Viking. I used the New York versions for consistency, and looked specifically at how well they covered issues caused by delays and cancellations of “common carriers” — airlines, trains and the like.

All the plans have “trip delay,” “trip cancellation” and “trip interruption” coverage administered by insurance companies. Most include a separate “cancel for any reason” credit portion that the cruise lines administer themselves. (Only MSC does not.)

I focused on trip interruption, which typically provides a maximum benefit of 125 or 150 percent of the trip’s value. That means a traveler could in theory be reimbursed for the full cost of the cruise, plus additional expenses incurred because of the interruption.

Three of the seven plans I looked at — Norwegian, Royal Caribbean and Princess — leave airline issues out of trip interruption benefits entirely, making it impossible, in a situation like yours, to claim the value of a missed cruise in its entirety. “That is shocking,” said Jason Schreier, chief executive of the travel division of Aegis General Insurance.

“Ninety-five percent of travel insurance plans you’ll find have common carrier issues in both trip cancellation and interruption benefits,” he said.

The other four cover delays to varying extents. Carnival mentions only weather issues. MSC and Viking cover mechanical problems, weather delays and strikes — pretty standard language, but not all encompassing. Only Disney’s plan allows trip interruption to kick in for “any delay of a common carrier,” as long as it causes you to miss at least half the trip.

Mr. Schreier of Aegis told me that the cruise lines themselves will often scratch common perils from custom plans to reduce liability. When I asked Norwegian about this, the company referred me to Aon Affinity. But Beth Godlin, the president of Aon Affinity Travel Practice, wrote that Aon “works with many different cruise lines” and customizes plans “to meet the needs of the cruise line.”

Finally, there’s that cancel-for-any-reason-for-partial-cruise-credit element. As we learned, Norwegian’s plan, as well as those of Royal Caribbean, Carnival, Princess and Disney, do include flight issues by allowing travelers to cancel right up to the ship’s departure. Only Viking’s is different — ending once you board your first flight. (Again, MSC does not offer this benefit at all.)

I’d warn against choosing a cruise line on the sole basis of whether its protection plan covers common carrier delays — you’d just be asking for something different to go wrong. But Ivy, as you use your credit, I’d consider putting in the time to look into buying a separate insurance plan, using comparison sites like TravelInsurance.com or Squaremouth , or going directly to companies like Aegis , which Mr. Schreier points out has a cruise-specific package and a “Stress Less” feature that might have paid on the spot for a flight on a different airline to get you to Barcelona on time.

Whatever you do, I hope you have a great cruise and can at least temporarily forgive Norwegian for what happened — as a gesture of good will.

If you need advice about a best-laid travel plan that went awry, send an email to [email protected] .

Follow New York Times Travel on Instagram and sign up for our weekly Travel Dispatch newsletter to get expert tips on traveling smarter and inspiration for your next vacation. Dreaming up a future getaway or just armchair traveling? Check out our 52 Places to Go in 2024 .

Seth Kugel is the columnist for “ Tripped Up ,” an advice column that helps readers navigate the often confusing world of travel. More about Seth Kugel

Open Up Your World

Considering a trip, or just some armchair traveling here are some ideas..

52 Places:  Why do we travel? For food, culture, adventure, natural beauty? Our 2024 list has all those elements, and more .

Mumbai:  Spend 36 hours in this fast-changing Indian city  by exploring ancient caves, catching a concert in a former textile mill and feasting on mangoes.

Kyoto:  The Japanese city’s dry gardens offer spots for quiet contemplation  in an increasingly overtouristed destination.

Iceland:  The country markets itself as a destination to see the northern lights. But they can be elusive, as one writer recently found .

Texas:  Canoeing the Rio Grande near Big Bend National Park can be magical. But as the river dries, it’s getting harder to find where a boat will actually float .

• Norwegian Cruise Line

Is it worth getting NCL’s AON Insurance?

By Crown Vic , July 13, 2022 in Norwegian Cruise Line

Recommended Posts

We have our own private insurance, booked separately, giving us $5 million in medical coverage, some Trip Interruption insurance, Evacuation coverage etc.

Norwegian appears to be providing refunds/FCCs for Covid caused inability to travel, denial of boarding or reboarding under the NCL Refund and Cancellation Policy.  The question is has anyone had the need to claim under the NCL Policy and what review of the claim process would be given?

Appreciate your input. Cheers!

Link to comment

Share on other sites.

We have had to make 3 claims in the past.  2 for me and once for my husband.  All were for trips to the medical department for sinus infections which required antibiotics.  Each visit cost over $300.  NCL provided all of the documentation (which we knew our insurance would not cover).  AON explained what we had to do & when all claims were denied by insurance, AON reimbursed everything.  It took time, and we did have to pay out of pocket while on the ship...I don't know if that is different with other insurances.  PS...I always travel with antibiotics now.

GeezerCouple

5 minutes ago, hernando52 said: We have had to make 3 claims in the past.  2 for me and once for my husband.  All were for trips to the medical department for sinus infections which required antibiotics.  Each visit cost over $300.  NCL provided all of the documentation (which we knew our insurance would not cover).  AON explained what we had to do & when all claims were denied by insurance, AON reimbursed everything.  It took time, and we did have to pay out of pocket while on the ship...I don't know if that is different with other insurances.  PS...I always travel with antibiotics now.

Almost all travel insurance for medical costs requires the traveler to pay for the services/supplies and submit receipts for reimbursement later.  We always travel with several charge cards with high credit limits (our regular cards, nothing special for travel, but we take several with us, if for no other reasons in case one goes missing or gets compromised, etc.) in case ...

There are some insurers who may help with payment guarantees (or perhaps in the moment?) if it's required, but that's not common - but neither is the need for ultra-high cost care.  We saw one overseas ER, obviously an English-speaking tourist area, where the billing office had a sign displaying something like, "Cash or credit card only.  No travel insurance unless it is <and the names of a few major travel insurance companies>."

I handed a credit card over, while DH was being taken to the ER from the ambulance.  

When we had to have a hotel call a physician to see me, and then come back again, and then direct the hospital to call an ambulance, he (physician) required cash on the spot.  So we had to ask the hotel to help us with local currency in the middle of the night, which they did.

But the physician wouldn't take charge cards or check, etc.  Just cash.

He gave us a "receipt" that was just a statement of what he had collected and the date, on a piece of his letterhead.  That was accepted without issue by our travel insurer.

But you *NEED* to have RECEIPTS!  That isn't always thought of in the moment.

(I forgot when tipping a taxi driver.  We had a receipt for the fare, but not for the tip.  Small amount, no problem, but it reminded me of the importance of receipts.)

In the section I quoted, it sounds like the travel insurance was "secondary", meaning it REQUIRES that you get a denial (for all or part) of the costs before they'll pay anything at all.

We get "primary" insurance coverage, so nothing needs to be submitted elsewhere first.

NOTE:  For those with some Medicare add-ons, there is a $50k lifetime limit for foreign care. Much better to have primary travel insurance and *not* need to use up any of that $50k.  Also, apparently Medicare can be slow to issue the denial, so you can't collect from the travel insurer until that denial arrives.

YES!  It does take some footwork to get reimbursed but we got everything back except the insurance cost, of course!  Ours was covid cancellation.  ;-(

BklynBorn47

We have 2 claims submitted to AON right now.  2nd leg of B2B2B cancelled because of positive covid on 1st leg (last day) It "should" take 30 days to be resolved (by Aug 1).  If this thread is still active I will let you know how it goes.

We've always taken the AON insurance.  Got reimbursed for remaining balance after NCL partially refunded a cruise that we cancelled.

Had to cancel a cruise last minute due to my father's sudden health decline and enter into hospice. He passed away prior to claim to being fully reviewed. Took 3-4 months to settle but got our fare refunded. Still will use AON for next cruise.

montecarloss

Does anyone know how late you can purchase NCL's insurance? (Essentials)

Had to cancel cruise in mid-March due to death of my father. Filed claim 3/18. AON is still processing claim four months later. I called them for the third time yesterday and they said "thank you for your submission, it will take 21 business days but may take longer."  Can't understand how it would take so long for something cut and dried. Annoying as hell, but what can you do?   Sure you are handling a lot of Covid cancellations, but four freakin' months? 

BirdTravels

19 minutes ago, tombli said: Had to cancel cruise in mid-March due to death of my father. Filed claim 3/18. AON is still processing claim four months later. I called them for the third time yesterday and they said "thank you for your submission, it will take 21 business days but may take longer."  Can't understand how it would take so long for something cut and dried. Annoying as hell, but what can you do?   Sure you are handling a lot of Covid cancellations, but four freakin' months? 

You're also in line with thousands of claims from cancelled cruises (e.g., Escape grounding in the Dominican Republic). As noted, you are filing a claim with a commercial insurance company, not NCL. 

On 7/14/2022 at 6:02 AM, montecarloss said: Does anyone know how late you can purchase NCL's insurance? (Essentials)

Any time up to final payment. You know the Essentials plan has minimal post-departure benefits with no cancellation coverage, right?

Old Fart Cruisers

We had AON with Carnival.  Had to cancel the day before our flight (two days before the cruise), due to a death of a family member (May 29th).  Filed the claim on June 10th, but had to mail all documents because their website wasn't working to accept uploaded documents, so that added a few days.  

Got a check in the mail TODAY.  So just over one month from the time they received the documentation until we received the check.  It was actually easier than I expected. 

11 hours ago, Babr said: Any time up to final payment. You know the Essentials plan has minimal post-departure benefits with no cancellation coverage, right?

“Essentials” is just the name of the plan. The level determines your coverage.

The policy does not have a cancellation for any reason provision. However, NCL, not the insurance company, will provide you with a 75% or 90% FCC if your cancellation claim is denied by the insurance company depending on your level. 

56 minutes ago, BirdTravels said: “Essentials” is just the name of the plan. The level determines your coverage.   The policy does not have a cancellation for any reason provision. However, NCL, not the insurance company, will provide you with a 75% or 90% FCC if your cancellation claim is denied by the insurance company depending on your level. 

It appears NCL has three policies - Platinum, Standard, and Essential.  The Essential provides trip delay, but there are no provisions for covered reasons so you’ll never get 100% cash reimbursement for what might otherwise be allowed such as a death in the family or a last minute illness. If people are OK with losing 25% of the value and being reimbursed with FCC, then that policy serves well.

A very inexpensive premium provides a very minimum of medical coverage.

Thanks for all your replies.  Not looking for cancellation coverage, just medical and evacuation home.

12 minutes ago, montecarloss said: Thanks for all your replies.  Not looking for cancellation coverage, just medical and evacuation home.

You’ll have some coverage as long as your expectations are in line with what the policy covers and any claim does not involve a pre-existing condition.

The evacuation part is for hospital-to-hospital transfer when it is approved as medically necessary. Otherwise, you’ll be treated at the nearest facility. 

1 hour ago, Babr said: It appears NCL has three policies - Platinum, Standard, and Essential .  The Essential provides trip delay, but there are no provisions for covered reasons so you’ll never get 100% cash reimbursement for what might otherwise be allowed such as a death in the family or a last minute illness. If people are OK with losing 25% of the value and being reimbursed with FCC, then that policy serves well.   A very inexpensive premium provides a very minimum of medical coverage.

I only see two options, not three - Standard or Platinum.  Both are "Essentials Travel Protection" plan options

40 minutes ago, Old Fart Cruisers said:   I only see two options, not three - Standard or Platinum.  Both are "Essentials Travel Protection" plan options

Well, that is interesting. Here is what I see when I search for NCL travel protection.

https://www.ncl.com/freestyle-cruise/booksafe

I see three options under BookSafe - Platinum, Standard, and Essential. Is this current information?

9 hours ago, Babr said: It appears NCL has three policies - Platinum, Standard, and Essential.  The Essential provides trip delay, but there are no provisions for covered reasons so you’ll never get 100% cash reimbursement for what might otherwise be allowed such as a death in the family or a last minute illness. If people are OK with losing 25% of the value and being reimbursed with FCC, then that policy serves well.   A very inexpensive premium provides a very minimum of medical coverage.

All I can say is this is how it is listed on my reservation:

6 hours ago, Babr said: Well, that is interesting. Here is what I see when I search for NCL travel protection.   https://www.ncl.com/freestyle-cruise/booksafe   I see three options under BookSafe - Platinum, Standard, and Essential. Is this current information?

It looks like I was wrong.   We were only offered Platinum or Standard, but both were listed as Essential plans as:

the Standard Essentials Travel Protection

the Platinum Essentials Travel Protection for $60 more per person

But now I see it looks like there are three plans.  Sorry for the misinformation

4 minutes ago, Old Fart Cruisers said:   It looks like I was wrong.   We were only offered Platinum or Standard, but both were listed as Essential plans as: the Standard Essentials Travel Protection the Platinum Essentials Travel Protection for $60 more per person   But now I see it looks like there are three plans.  Sorry for the misinformation

You are very gracious to apologize for something that is so confusing. You are correct that only two options are given at booking. I don’t know where the so-called Essential Plan fits in or how anyone is supposed to know about it.

ChiefMateJRK

3 minutes ago, Babr said: You are very gracious to apologize for something that is so confusing. You are correct that only two options are given at booking. I don’t know where the so-called Essential Plan fits in or how anyone is supposed to know about it.

It shows up after final payment, at which time it is the only option.  It is generally a crappy option compared to third party catastrophic coverage policies.

14 minutes ago, ChiefMateJRK said: It shows up after final payment, at which time it is the only option.  It is generally a crappy option compared to third party catastrophic coverage policies.

That makes sense. Final payment is the last opportunity for NCL to sell some basic coverage for medical. Since it is described as post- departure, there are no cancellation benefits. There is no mention of FCC whereas Standard will give 75%, and Platinum will give 90% if one cancels for a non-covered reason.

It appears that part of my statement in post #14 is incorrect, and my first interpretation was right.  Only Platinum and Standard offer the option of FCC for cancellations not covered by insurance.

Please sign in to comment

You will be able to leave a comment after signing in

• Welcome to Cruise Critic
• ANNOUNCEMENT: Set Sail Beyond the Ordinary with Oceania Cruises
• ANNOUNCEMENT: The Widest View in the Whole Wide World
• New Cruisers
• Cruise Lines “A – O”
• Cruise Lines “P – Z”
• River Cruising
• Cruise Critic News & Features
• Digital Photography & Cruise Technology
• Special Interest Cruising
• Cruise Discussion Topics
• UK Cruising
• Australia & New Zealand Cruisers
• Canadian Cruisers
• North American Homeports
• Ports of Call
• Cruise Conversations

Announcements

• New to Cruise Critic? Join our Community!

Write Your Own Amazing Review !

Click this gorgeous photo by member SUPERstar777 to share your review!

Features & News

LauraS · Started 20 hours ago

LauraS · Started Monday at 09:50 PM

LauraS · Started Monday at 05:37 PM

LauraS · Started Monday at 04:09 PM

LauraS · Started Monday at 06:02 AM

• Existing user? Sign in OR Create an Account
• Find Your Roll Call
• Meet & Mingle
• Community Help Center
• All Activity
• Member Photo Albums
• Meet & Mingle Photos
• Favorite Cruise Memories
• Cruise Food Photos
• Cruise Ship Photos
• Ports of Call Photos
• Towel Animal Photos
• Amazing, Funny & Totally Awesome Cruise Photos
• Write a Review
• Live Cruise Reports
• Member Cruise Reviews
• Create New...

Protect Your Trip »

The 13 best solo cruises for 2024 (no supplement fare).

Set sail for a solo adventure at sea.

The Best Solo Cruises

Getty Images

Relax by the pool, attend shows, dine with new friends and more on your next solo cruise.

Whether you're embarking on your first cruise alone or you've been on solo cruises before, single travelers will find more options than ever when it comes to cruising solo. Many cruise lines offer single staterooms with the same amenities as other cabins, at a price similar to what you'd pay with double occupancy fares. You'll also find special promotions where the single supplement fee is reduced or waived, making it more affordable to reserve a spacious stateroom or luxurious suite with even more amenities – including personalized butler service, an added perk of booking with many luxury lines .

If you're ready for a maritime adventure, an extended vacation or simply a quick getaway from home, these top cruise lines offer some of the best options for solo travelers on waterways around the world.

Lines with solo accommodations and waived fees

Norwegian cruise line.

Courtesy of Norwegian Cruise Line

Launched in 2010, Norwegian Epic was the first cruise ship in the industry to feature studio accommodations for solo travelers. Norwegian Cruise Line offers this category on nine of the 19 ships in its fleet, including the newest ship, Norwegian Viva. These cabins, at an average size of 100 square feet, are designed and priced with the solo traveler in mind. They have no single supplements – and studio rooms on board Norwegian Bliss even boast virtual windows.

Guests of the studios get access to the private Studio Lounge. In this exclusive space, you can socialize with other solo travelers and enjoy complimentary refreshments. There are also singles meetups throughout the voyage and plenty of fun-filled onboard activities to mingle with like-minded cruisers. Solo travelers can check out all the fun for singles on Norwegian Viva this winter on a cruise to the Caribbean , or in spring 2024 as the ship sets sail for the Mediterranean .

Book a Norwegian Cruise Line voyage on GoToSea, a service of U.S. News.

MSC Cruises

Courtesy of MSC Cruises

MSC Cruises offers interior and balcony solo cabins for single cruisers on its Meraviglia-class ships: the MSC Meraviglia, Bellissima, Grandiosa, Virtuosa and the newest vessel in the fleet, MSC Euribia. The second-newest ship, MSC World Europa, has 28 cabins – 10 Studio Interior and 18 Studio Ocean View staterooms – designed specifically for solo travelers. MSC World America, set to debut in 2025, will also feature the solo studio staterooms.

During voyages with MSC Cruises , single cruisers are invited to a complimentary, hosted cocktail party to mix and mingle with other solo travelers. The daily program is also an excellent source to discover additional activities, entertainment and opportunities to meet other cruisers. You'll have onboard special events like the themed 70s-inspired Flower Party and the White Party, where the ship is decked out in festive white decor and guests don their best white attire. In addition, there are various sports tournaments, or you can show off your culinary expertise during a MasterChef competition.

MSC's Caribbean and Bahamas cruises departing from Miami and New York City feature an overnight visit to Ocean Cay, the line's private island and marine reserve. While there, singles can participate in fun-filled evening activities like a Champagne Sunset Cruise or a glow paddleboarding excursion in the lagoon, then attend the lively Luna Libre Party and the lighthouse show.

Find an MSC Cruises itinerary on GoToSea.

Holland America Line

Michel Verdure | Courtesy of Holland America Line

Three of Holland America Line's newest ships each offer 12 solo cabins to accommodate single travelers: the Pinnacle-class Nieuw Amsterdam, Rotterdam and Konigsdam. These ocean view staterooms range in size from 127 to 172 square feet and feature the same amenities as the double occupancy cabins but with a double bed. The cruise line's Single Staterooms are priced for one person. If a guest chooses to book a different stateroom, single supplements for double occupancy cabins are as much as 100% over the standard fare, depending on the voyage and the cabin category.

Long committed to solo travelers, the line offers many activities where guests can meet other singles such as wine tastings, cocktail mixers, exercise classes, daily quizzes, sports challenges and more. If you're a solo traveler and a member of AARP, Holland America is now the exclusive cruise benefit provider to AARP's members. Solo cruisers will have access to an AARP member-only onboard credit that ranges from $50 to $200, depending on the itinerary and stateroom category.

For itineraries, Holland America's Alaska cruises and cruisetours are perfect for solo travelers, offering many opportunities to connect with fellow cruisers. Another favorite for singles is the line's fall voyages sailing from Boston to Québec City or Montreal.

Explore Holland America Line deals on GoToSea.

Royal Caribbean International

Michel Verdure | Courtesy of Royal Caribbean International

Royal Caribbean International features studio staterooms on select ships that range in size from 101 to 199 square feet. These solo accommodations include interior rooms, virtual balcony staterooms and a super studio ocean view stateroom with a balcony. The cabins do not carry the single supplement fee singles encounter when booking other types of staterooms, making them an attractive option when traveling alone.

Once on board the ship, solo cruisers will have countless options to engage and socialize with other travelers. When it comes to dining with Royal Caribbean , make a reservation at the Japanese restaurant Teppanyaki for an entertaining meal with new friends, or join fellow foodies for the intimate Chef's Table experience (the dining venues vary by ship). Singles can also participate in onboard activities like trivia contests, drink seminars, escape rooms, dance classes and pool parties.

If you need more thrills to stay busy and to meet people, Royal Caribbean's ships feature world-class shows and entertainment alongside adrenaline-pumping rides and attractions. If you're sailing in the Caribbean, there are plenty of opportunities to meet and chat with other passengers at the line's private island, Perfect Day at CocoCay.

Compare Royal Caribbean International cruises on GoToSea.

Atlas Ocean Voyages

Luxury line Atlas Ocean Voyages offers single cruisers 183 square feet of beautifully appointed space in solo accommodations that come without single supplement fees. These ocean view staterooms feature a queen bed, a panoramic picture window, a private spa bathroom with a rain shower and body jets, a stocked minifridge replenished daily with personal favorites, and other luxurious amenities. Single guests can also book other stateroom or suite categories with single supplements starting at 50% of the double occupancy price.

The line's three intimate yacht-style cruise ships – World Navigator, World Traveller and the new World Voyager, whose inaugural season begins in Antarctica in November 2023 – are all-inclusive . Meals at all the dining venues, premium beverages and wines, gratuities, culturally immersive excursions, and more are included in the fare. With fewer than 200 guests on board, there's an atmosphere of conviviality on these ships – especially when exploring remote destinations with like-minded and adventurous travelers during expeditions in Antarctica and the Arctic.

Read: The Top Cruises on Small Ships

Celebrity Cruises

Tim Aylen | Courtesy of Celebrity Cruises

Celebrity Cruises' new Edge-class ships offer some of the best options for solo cruisers. The line's two newest vessels, Celebrity Beyond and Celebrity Ascent (set to debut in late 2023), each boast 32 single staterooms with an Infinite Veranda. In addition, Celebrity Apex has 24 solo cabins, and Celebrity Edge features 16 staterooms for individual guests. These one-person accommodations offer a minimum of 131 square feet of space and the same upscale amenities you'll find in other category staterooms on their ships. Solo guests can look for special promotions where the single supplement is waived on select Celebrity voyages throughout the year.

Once on board the vessel, check out the daily program for activities conducive to meeting others – like wine tastings, cocktail-making classes and more. You'll also enjoy thrilling top-notch entertainment around the ship in The Theatre, The Club and Eden. A few popular cruises for singles are the line's Caribbean and Mexico itineraries on Celebrity Beyond.

Book a Celebrity Cruise on GoToSea.

Virgin Voyages

Courtesy of Virgin Voyages

The hip vibe on board the adults-only Virgin Voyages ships is ideal for solo cruisers looking to meet other travelers. Its superyacht-style ships – Scarlet Lady, Valiant Lady and Resilient Lady – offer 40 interior cabins ranging in size from 105 to 177 square feet. There are also six Sea View staterooms with portholes boasting between 130 to 190 square feet of space. These Insider and Sea View cabins are designed and priced for single travelers, with amenities like high-tech mood lighting and roomy rain showers. The line also runs promotions where solo cruisers can book double occupancy staterooms without paying a single supplement.

Activities and festival-like entertainment around the ships foster fast friendships. Diners will enjoy the interactive experience at Gunbae, the lively Korean barbecue venue. The "grog walk" is a fun pub stroll where solo sailors can join fellow mates while sipping and snacking their way through all the signature bars. For even more fun, check out the evening shipwide events such as the themed Scarlet Party, which features live music and immersive experiences. The line also hosts meetups for singles throughout each voyage.

Read: The Top Adults-Only Cruises

Avalon Waterways

Courtesy of Avalon Waterways

Avalon Waterways' river and small-ship cruises traverse waterways around the world, including in Europe, Asia, Africa and South America. The company waives the single supplement on a selection of staterooms, including its Panorama Suites, on select European and Asia departures. The company recommends booking early as the specially priced cabins do sell out. Solo travelers make up about 10% of the passengers on this river cruise line .

Avalon's fleet of Suite Ships operates in Europe and Southeast Asia and features cabins with a minimum of 172 square feet. About 80% of the staterooms are Panorama Suites, which have 200 feet of living space, beds with a view and the river cruise industry's only open-air balcony. With Avalon excursions, solo cruisers have opportunities to meet like-minded guests during immersive tours, cooking classes, wine tastings, yoga or fitness classes, biking or hiking trips, and more. Single guests can choose to dine at tables for just two people or ones that can accommodate up to eight passengers.

Read: Cruise Packing List: Essentials for Your Next Cruise

Tips on Trips and Expert Picks Newsletter

Travel tips, vacation ideas and more to make your next vacation stellar.

Sign up to receive the latest updates from U.S News & World Report and our trusted partners and sponsors. By clicking submit, you are agreeing to our Terms and Conditions & Privacy Policy .

AmaWaterways

Courtesy of AmaWaterways

Two single occupancy staterooms are available on four of AmaWaterways' river cruise ships: AmaDolce, AmaDante, AmaLyra and AmaCello. These accommodations do not have single supplement fees. Solo cruisers can also book staterooms with a 20% single supplement on select sailings in Europe and Southeast Asia. (Note that this pricing does not apply to certain stateroom categories and suites.)

With the friendly, small-ship atmosphere, solo cruisers will find it comfortable to socialize with other passengers and the crew. Onboard activities and immersive excursions also create opportunities for fostering friendships, especially among like-minded travelers. Excellent options for solo cruises include themed sailings centered around music and wine or the magical Christmas markets itineraries along the Danube, Rhone and Rhine rivers.

Explore AmaWaterways deals on GoToSea.

Lines with discounted supplement fares

Courtesy of Azamara

Azamara's special offers for solo travelers include reduced single supplements of 25% to 50% of the double occupancy rate on select sailings. The line's four midsized sister ships – carrying no more than 700 passengers – are mostly all-inclusive. Amenities included in the cruise fare include most meals; standard spirits, wines and beers; bottled water, soft drinks, and specialty teas and coffees; shuttle service in port; gratuities; and complimentary AzAmazing Evenings ashore or Destination Celebration experiences on the ship. Dining at the two specialty restaurants is an additional cost unless guests have accommodations in the Club World Owner's Suites, Club Ocean Suite or Club Continent Suite.

Single guests on Azamara cruises will find events during the sailing and venues around the ship where you can mix and mingle with other solo travelers and chat with the friendly crew. Intimate and culturally immersive excursions also create opportunities to meet passengers with similar interests. Azamara Onward, the latest ship, boasts the new Atlas Bar, a great spot to meet other travelers.

For itineraries, Azamara's signature "Country-Intensive Voyages" are a favorite of solo cruisers, including the 10- or 11-night Greece Intensive Voyage. For an extended sailing, check out the festive 12-night Carnival in Rio Voyage, which features a stop in Rio de Janeiro during the city's famed Carnival.

Compare Azamara cruises on GoToSea.

Cunard Line

Courtesy of Cunard Line

Cunard Line features dedicated solo staterooms on its three ships, priced at approximately 166% to 174% of the equivalent double occupancy cruise fare. Guests can choose between a spacious Britannia Inside or Britannia Oceanview cabin, or opt for a larger stateroom with a single supplement. For a little "me time" pampering while on board, solos will appreciate 24-hour room service, complimentary Penhaligon's toiletries and a chilled bottle of sparkling wine. Single guests will also be invited to get-togethers. You can either dine alone at venues around the ship such as the main dining room or choose to share a table with other passengers.

With an international mix of travelers, single cruisers will find many opportunities to meet and chat with others, especially during a Transatlantic Crossing. During the sailing, you'll find many enriching and relaxing activities that encourage socializing. According to Cunard , there's a sense of camaraderie and a passion around the voyage – and the unique travel experience of crossing the Atlantic Ocean.

Find a Cunard Line cruise on GoToSea.

Silversea Cruises

Courtesy of Silversea Cruises

Luxury line Silversea Cruises offers 25% single supplements on various voyages throughout the year, including expedition cruises to destinations like the Galápagos Islands , Antarctica and the Arctic, and Greenland. The line's all-inclusive fares include luxurious ocean view suites, gourmet dining, complimentary wines and spirits, gratuities, onboard enrichment and entertainment, shore excursions, and more. Solo travelers will even have personalized butler service to indulge their every whim.

The line's fleet of a dozen intimate ships, carrying no more than 728 guests, offers a clubby atmosphere perfect for meeting solo and like-minded travelers. Single guests will also have the opportunity to engage with other solo passengers during a welcome reception with Champagne at the beginning of each voyage. Popular itineraries for Silversea's single cruisers include its Transoceanic journeys, a bucket list trip for many cruisers .

Explore Silversea Cruises deals on GoToSea.

Courtesy of Seabourn Cruise Line

Seabourn has special offers throughout the year where solo cruisers can take advantage of reduced pricing equal to double occupancy fares or discounts on the single supplement starting at 25% above the double occupancy fares. These rates are available on select voyages, including expedition cruises. Frequent solo cruisers and members of the luxury line's Seabourn Club Diamond Elite will also find reduced single supplements on Diamond Elite Single Supplement Sailings. In addition, club members receive invitations to exclusive events, where they can meet and mingle with fellow cruisers. Solo passengers are also invited to sit with the ship's officers, crew and entertainers at dinner – and there are hosted get-togethers for single travelers.

Solo cruisers will enjoy beautifully designed oceanfront suites and all-inclusive amenities on board Seabourn 's intimate ships. These perks include world-class dining; complimentary premium wine and spirits; a spa and wellness program in partnership with Dr. Andrew Weil; included gratuities; and the line's enrichment series, Seabourn Conversations. Single cruisers looking for an extended holiday will enjoy longer voyages on the line's newest purpose-built expedition ship, Seabourn Pursuit.

Compare Seabourn cruises on GoToSea.

Why Trust U.S. News Travel

Gwen Pratesi has been an avid cruiser since her early 20s. She has visited destinations around the globe on nearly every type of ship built, including the newest megaships, luxury yachts, expedition vessels, traditional masted sailing ships and intimate river ships on the Mekong River. She used extensive research and experience as a solo cruiser to write this article. Pratesi covers the travel and culinary industries for major publications, including U.S. News & World Report.

You might also be interested in:

• The Top Party Cruises
• The Top Transatlantic Cruises
• The Top 3-Day Cruise Itineraries
• Solo Travel for Women: The Best Places and Tips
• The Best Cruise Insurance Plans

The Best Places to Travel Alone

Tags: Travel , Cruises

World's Best Places To Visit

• # 1 South Island, New Zealand
• # 4 Bora Bora

If you make a purchase from our site, we may earn a commission. This does not affect the quality or independence of our editorial content.

You May Also Like

Best whale watching tours in maine.

Marisa Méndez April 23, 2024

The Best Wineries in Napa Valley

April 23, 2024

The Best East Coast Beaches

April 19, 2024

The Best Carry-on Luggage

Erin Evans , Rachael Hood , Catriona Kendall , Amanda Norcross and Leilani Osmundson April 17, 2024

The Best Hard-sided Luggage Picks

The Best Luggage Brands

Rachael Hood April 17, 2024

The Best Yellowstone National Park Tours

John Rodwan April 17, 2024

The Best Rome Colosseum Tours

Laura Itzkowitz April 17, 2024

Best Alaska Tours

Lyn Mettler April 16, 2024

The Best Fredericksburg Wine Tours

• Best Travel Insurance 2024
• Cheapest Travel Insurance
• Trip Cancellation Insurance
• Cancel for Any Reason Insurance
• Seniors' Travel Insurance
• Annual Travel Insurance
• Cruise Insurance
• COVID-19 Travel Insurance
• Travel Medical Insurance
• Medical Evacuation Insurance
• Pregnancy Travel Insurance
• Pre-existing Conditions Insurance
• Mexico Travel Insurance
• Italy Travel Insurance
• France Travel Insurance
• Spain Travel Insurance
• Canada Travel Insurance
• UK Travel Insurance
• Germany Travel Insurance
• Bahamas Travel Insurance
• Costa Rica Travel Insurance
• Disney Travel Insurance
• Schengen Travel Insurance
• Is travel insurance worth it?
• Average cost of travel insurance
• Is airline flight insurance worth it?
• Places to travel without a passport
• All travel insurance guides
• Best Pet Insurance 2024
• Cheap Pet Insurance
• Cat Insurance
• Pet Dental Insurance
• Pet Insurance That Pays Vets Directly
• Pet Insurance For Pre-Existing Conditions
• Pet Insurance with No Waiting Period
• Paw Protect Review
• Spot Pet Insurance Review
• Embrace Pet Insurance Review
• Healthy Paws Pet Insurance Review
• Pets Best Insurance Review
• Lemonade Pet Insurance Review
• Pumpkin Pet Insurance Review
• Fetch Pet Insurance Review
• Figo Pet Insurance Review
• CarePlus by Chewy Review
• MetLife Pet Insurance Review
• Average cost of pet insurance
• What does pet insurance cover?
• Is pet insurance worth it?
• How much do cat vaccinations cost?
• How much do dog vaccinations cost?
• All pet insurance guides
• Best Business Insurance 2024
• Business Owner Policy (BOP)
• General Liability Insurance
• E&O Professional Liability Insurance
• Workers' Compensation Insurance
• Commercial Property Insurance
• Cyber Liability Insurance
• Inland Marine Insurance
• Commercial Auto Insurance
• Product Liability Insurance
• Commercial Umbrella Insurance
• Fidelity Bond Insurance
• Business Personal Property Insurance
• Medical Malpractice insurance
• California Workers' Compensation Insurance
• Contractor's Insurance
• Home-Based Business Insurance
• Sole Proprietor's Insurance
• Handyman's Insurance
• Photographer's Insurance
• Esthetician's Insurance
• Salon Insurance
• Personal Trainer's Insurance
• Electrician's Insurance
• E-commerce Business Insurance
• Landscaper's Insurance
• Best Credit Cards of 2024
• Best Credit Card Sign-Up Bonuses
• Best Instant Approval Credit Cards
• Best Cash Back Credit Cards
• Best Rewards Credit Cards
• Best Credit Cards for Bad Credit
• Best Balance Transfer Credit Cards
• Best College Student Credit Cards
• Best 0% APR Credit Cards
• Best First Credit Cards
• Best No Annual Fee Cards
• Best Travel Credit Cards
• Best Hotel Credit Cards
• Best American Express Cards
• Best Amex Delta SkyMiles Cards
• Best American Express Business Cards
• Best Capital One Cards
• Best Capital One Business Cards
• Best Chase Cards
• Best Chase Business Cards
• Best Citi Credit Cards
• Best U.S. Bank Cards
• Best Discover Cards
• Amex Platinum Card Review
• Amex Gold Card Review
• Amex Blue Cash Preferred Review
• Amex Blue Cash Everyday Review
• Capital One Venture Card Review
• Capital One Venture X Card Review
• Capital One SavorOne Card Review
• Capital One Quicksilver Card Review
• Chase Sapphire Reserve Review
• Chase Sapphire Preferred Review
• United Explorer Review
• United Club Infinite Review
• Amex Gold vs. Platinum
• Amex Platinum vs. Chase Sapphire Reserve
• Capital One Venture vs. Venture X
• Capital One Venture X vs. Chase Sapphire Reserve
• Capital One SavorOne vs. Quicksilver
• Chase Sapphire Preferred vs. Capital One Venture
• Chase Sapphire Preferred vs. Amex Gold
• Delta Reserve vs. Amex Platinum
• Chase Sapphire Preferred vs. Reserve
• How to Get Amex Pre-Approval
• Amex Travel Insurance Explained
• Chase Sapphire Travel Insurance Guide
• Chase Pay Yourself Back
• CLEAR vs. TSA PreCheck
• Global Entry vs. TSA Precheck
• Costco Payment Methods
• All Credit Card Guides
• Citibank Savings Account Interest Rate
• Capital One Savings Account Interest Rate
• American Express Savings Account Interest Rate
• Western Alliance Savings Account Interest Rate
• Barclays Savings Account Interest Rate
• Discover Savings Account Interest Rate
• Chase Savings Account Interest Rate
• U.S. Bank Savings Account Interest Rate
• Marcus Savings Account Interest Rate
• Synchrony Bank Savings Account Interest Rate
• Ally Savings Account Interest Rate
• Bank of America Savings Account Interest Rate
• Wells Fargo Savings Account Interest Rates
• SoFi Savings Account Interest Rate
• Best Savings Accounts & Interest Rates
• Best High Yield Savings Accounts
• Best 7% Interest Savings Accounts
• Best 5% Interest Savings Accounts
• Savings Interest Calculator
• Emergency Fund Calculator
• Pros and Cons of High-Yield Savings Accounts
• Types of Savings Accounts
• Checking vs Savings Accounts
• Average Savings by Age
• How Much Should I Have in Savings?
• How to Make Money
• How to Save Money
• Compare Best Checking Accounts
• Compare Online Checking Accounts
• Best Business Checking Accounts
• Compare Best Teen Checking Accounts
• Best Student Checking Accounts
• Best Joint Checking Accounts
• Best Second Chance Checking Accounts
• Chase Checking Account Review
• Bluevine Business Checking Review
• Amex Rewards Checking Account Review
• E&O Professional Liability Insurance
• Best Savings Accounts & Interest Rates
• Travel Insurance
• Nationwide Cruise Insurance Review

Nationwide Cruise Insurance Review 2024: Is It Worth It?

Is Nationwide cruise insurance legit?

Yes — Nationwide cruise insurance is a legitimate product. The company has been in business since 1925 and is a reputable insurance provider. 

You can choose from multiple cruise policies based on your unique coverage needs. Each one is underwritten by Nationwide Mutual Insurance Company.

In addition to cruise insurance and travel insurance, Nationwide offers a selection of pet, home, auto and farmland policies. The company also provides banking and financial services.

Industry experts have a high level of confidence in Nationwide. The company has an A+ rating from the Better Business Bureau; A.M. Best ranks it as A+ Superior in the category of companies with a financial size of $2 billion or greater.

Let’s take a look at the main highlights, features and benefits you can access when you purchase cruise insurance from Nationwide.

Bottom line: Main highlights of Nationwide cruise insurance

Nationwide offers three travel insurance plans designed specifically for cruises. That way, you can choose the one that best suits your travel plans and budget. 

Even the base-level plan includes high levels of protection, which isn’t always the case for cruise insurance. Plus, you’ll get access to Nationwide’s 24/7 travel assistance support team if you need help before or after you sail.

Nationwide cruise insurance plans & coverage

When you buy cruise insurance from Nationwide, you can choose from one of three plans.

Nationwide Mutual Insurance Company

Each one covers 100% of the trip cost if you need to cancel for a covered reason , which is a great way to protect your prepaid, nonrefundable deposits. All three plans also include coverage to help you recoup lost costs if your trip is interrupted. You can get reimbursed for 125% of the trip costs for the Universal plan and 150% for the Choice and Luxury plans.

Let’s take a closer look at each of these three options.

Cruise Universal:

This is Nationwide’s most basic cruise plan. It’s a good option for shorter cruises that are relatively close to home. You’ll get $75,000 in secondary medical coverage and $250,000 for medical evacuation coverage — that’s critical, especially if you have an emergency while the cruise ship is at sea. This policy doesn’t include coverage for pre-existing conditions or accidental death and dismemberment. When it comes to delays, the Nationwide Universal cruise insurance plan will give you up to $100 per day up to $500 per person. This coverage can help you pay for hotels, food and other costs.

Cruise Choice:

This midrange cruise insurance plan is a great option for longer cruises. It comes with $100,000 in travel medical insurance and $500,000 for medical evacuation , which is useful if you break a leg on shore excursion in Alaska and need to be airlifted to the nearest hospital. This policy also includes $25,000 for nonmedical evacuation. It can help you get home after a natural disaster, a political situation or a security problem. The Choice plan will cover your pre-existing conditions. However, you must buy the policy within 14 days of your first deposit. The policy also includes $25,000 for accidental death and dismemberment. Dealing with a delay? Cruise Choice gives you $150 per day up to $750 to cover the additional expenses. This higher limit can help you save money if you’re stuck in an expensive city, you need to book a new flight to meet the cruise or you lose out on prepaid accommodation bookings due to the delay.

Cruise Luxury:

When you’re traveling to a far-flung destination or taking a very long cruise, the Luxury plan can help protect your investment. It includes trip delay insurance of $200 per day up to $1,000, so you’re covered if you miss the cruise departure and need to catch up. You can also opt for cancel for any reason (CFAR) coverage for additional peace of mind. The Nationwide Luxury cruise insurance plan is also ideal if you have health concerns. It covers pre-existing conditions as long as you purchase within 14 days of the first cruise payment. Plus, you’ll get $150,000 in medical coverage and $1,000,000 in medical evacuation . If you fall ill on a cruise to the Galapagos or Antarctica, this coverage ensures you’re not stuck with the cost of a medical flight back to the mainland. Like the Choice plan, this plan offers $25,000 for accidental death and dismemberment.

Here’s a comparison of the benefits and per-person coverage limits for each Nationwide cruise insurance plan.

Optional add-ons

If Nationwide’s base policies don’t provide all the coverage you need, it’s possible to buy extra coverage for an additional fee.

Here are two optional add-ons that Nationwide offers with its cruise insurance.

Cancel for any reason (CFAR) coverage

When you purchase the Luxury Cruise plan from Nationwide, you have the option to buy CFAR coverage . If you cancel the trip for a reason that isn’t covered by the original policy, this add-on reimburses you for up to 75% of the cost of your trip. This can come in handy, considering the base policy excludes things like mental or emotional disorders (unless you’re hospitalized). With the CFAR add-on, you’ll be covered if you need to cancel the cruise due to a bout of depression or anxiety

Interruption for any reason (IFAR) coverage

Need to leave your cruise early? The IFAR add-on reimburses you for costs that include lost payments and deposits and airfare to get home (minus any credits from the original ticket). Keep in mind that this coverage has limits — the Universal Cruise Plan will make reimbursements up to $250, the Choice Cruise plan covers up to $500, and the Luxury Cruise Plan reimburses you for up to $1,000. If you need to leave to take care of a work emergency on the second day of a $5,000 cruise, you’ll only be able to recover a small portion of the costs.

Things not covered by Nationwide cruise insurance

Nationwide’s cruise policies come with a list of exclusions, or things that aren’t covered. These situations can vary from policy to policy and even between coverage types — in other words, the exclusions for baggage delay insurance might be different from those for medical insurance.

It’s always important to read the fine print, but for reference, here’s a list of common Nationwide cruise insurance exclusions:

• Use of drugs or alcohol
• Extreme sports and contact sports, including hang gliding, canyoneering or scuba diving
• Underwater activities
• Participation in professional athletics as an athlete
• Flying or learning to fly a plane
• Intentional self-harm, including suicide and suicide attempts
• Mental and emotional disorders (unless you’re hospitalized)
• Nonemergency medical procedures
• Travel against the advice of a doctor
• War or invasion
• Treatment in a government hospital
• Pregnancy or childbirth, unless there are complications

In addition, Nationwide excludes anything not specifically listed as covered in your policy.

Cost of Nationwide cruise insurance plans

Based on our research, we found that Nationwide cruise insurance costs around $11 to $15 per day .

To give you a better idea of how much Nationwide cruise insurance costs, we got quotes for each of the three cruise insurance plans for five popular cruise destinations. We then took the average of each quote.

Average Cost of Nationwide Cruise Insurance

Bear in mind that the cost of cruise insurance depends on several factors, such as your age and the trip cost, so your premium will differ from those listed above. To find out how much you’ll pay for insurance, use our online comparison tool to get a quote .

Methodology for reaching these averages

We applied these details to our quotes:

• Total trip cost: $2,000
• Trip duration: 7 days
• Time of trip: August 2024
• State of residence: California
• Destinations:   Mexico , Bahamas , Dominican Republic , Spain and Italy

Nationwide cruise insurance reviews from customers

Nationwide has an overall rating of 4.01 out of 5 on Squaremouth. We read through hundreds of reviews to help you understand the overall attitudes toward the company’s policies. Bear in mind that these ratings come from all Nationwide travel insurance reviews, so they’re not all cruise-specific.

Here’s what reviewers are saying about Nationwide.

What customers like

Customers who are impressed with Nationwide travel insurance policies often mention:

• Helpful customer service
• Reasonable prices
• Easy to set up a policy

Here are a few comments from positive Nationwide cruise insurance reviews:

“We had to cancel our cruise because of COVID…the claim process was smooth and efficient.” - James

“Nationwide handled our trip interruption extremely well. The service provided by One Call International was thorough, and we were treated well.” - Gary

What customers don’t like

Unhappy Nationwide customers often mention:

• Slow response times for claims and customer service
• Excessive documentation requirements for claims
• Long claim process

Here are a few comments from negative reviews:

“Difficult claim process and no information back.” - Lauren

“They were impossible to reach by phone, and it took approximately 6 to 8 weeks to get a response via email.” - Flash

Is Nationwide cruise insurance worth it?

Yes, it’s definitely worth it to buy Nationwide cruise insurance. 

Cruises are expensive, and the company’s comprehensive policies can help protect you financially if you need to cancel or interrupt the trip. With cruise-specific plans for every budget and a few optional add-ons, it’s easy to find a plan that suits your finances and your itinerary. 

For basic coverage, the Universal Cruise plan is an affordable insurance option. Consider the Choice Cruise plan for mid-length cruises, and opt for the Luxury Cruise plan if you’re taking an expensive trip that sails to far-flung ports.

If you’re looking for cruise insurance with primary medical coverage or higher coverage limits for baggage and delays, you may want to go for another provider .

FAQ: Nationwide cruise insurance

Who underwrites nationwide cruise insurance.

Nationwide Mutual Insurance Company and its affiliated companies underwrite the provider’s cruise policies.

Do Nationwide cruise insurance plans cover COVID?

Nationwide cruise insurance covers COVID-19 , assuming it falls within the other terms of the policy. If you catch COVID-19 on board the ship, for example, your policy covers a doctor’s services, lab tests, hospitalization if necessary and medications. If you get sick before you leave, your trip cancellation insurance should cover lost costs up to the maximum benefit — however, you will likely need documentation from a doctor that says you shouldn’t travel because of the illness.

When should I buy Nationwide insurance for a cruise?

You should buy a Nationwide cruise insurance policy as soon as possible after making your first payment on the cruise. That way, you’ll be covered if something happens to cancel or interrupt your trip. Plus, some plans have time-sensitive benefits. If you have pre-existing medical conditions, you can get coverage under the Choice and Luxury plans — but only if you buy a policy within 14 days after you make the first deposit and opt to cover the whole cost of your trip.

How do I file a claim with Nationwide cruise insurance?

If you need to file a claim with Nationwide, you should always start by calling the Cruise Claims Administrator. They will ask about your issue and send you the correct forms and documentation requirements. At that point, you can submit all paperwork by email or standard mail.

Elizabeth Smith is an experienced travel and finance writer who specializes in topics including credit cards, travel insurance, and personal finance. Travel insurance, in particular, has both professional and personal significance for Smith. She’s traveled to 73 countries, and has extensive experience choosing and using various policies — she understands how valuable the right plan can be in an emergency, and loves to help readers find the perfect fit.

Smith comes to the world of finance from a scientific and technical background. She spent more than 10 years writing about engineering, science, and technology for universities and private companies. When she’s not writing or traveling, Smith can usually be found hiking or Nordic skiing.

Explore related articles by topic

• All Travel Insurance Articles
• Learn the Basics
• Health & Medical
• Insurance Provider Reviews
• Insurance by Destination
• Trip Planning & Ideas

Best Travel Insurance Companies & Plans in 2024

Best Medical Evacuation Insurance Plans 2024

Best Travel Insurance for Seniors

Best Cruise Insurance Plans for 2024

Best COVID-19 Travel Insurance Plans for 2024

Best Cheap Travel Insurance Companies - Top Plans 2024

Best Cancel for Any Reason (CFAR) Travel Insurance

Best Annual Travel Insurance: Multi-Trip Coverage

Best Travel Medical Insurance - Top Plans & Providers 2024

• Is Travel Insurance Worth It?

Is Flight Insurance Worth It? | Airlines' Limited Coverage Explained

Guide to Traveling While Pregnant: Pregnancy Travel Insurance

10 Romantic Anniversary Getaway Ideas for 2023

Best Travel Insurance for Pre-Existing Medical Conditions April 2024

22 Places to Travel Without a Passport in 2024

Costa Rica Travel Insurance: Requirements, Tips & Safety Info

Best Spain Travel Insurance: Top Plans & Cost

Best Italy Travel Insurance: Plans, Cost, & Tips

Best Travel Insurance for your Vacation to Disney World

Chase Sapphire Travel Insurance Coverage: What To Know & How It Works

2024 Complete Guide to American Express Travel Insurance

Schengen Travel Insurance: Coverage for your Schengen Visa Application

Mexico Travel Insurance: Top Plans in 2024

Best Places to Spend Christmas in Mexico this December

Travel Insurance to Canada: Tips & Quotes for US Visitors

Best Travel Insurance for France Vacations in 2024

Travel Insurance for Germany: Tourist Information & Tips

Best UK Travel Insurance: Coverage Tips & Plans April 2024

Travel Insurance for Trips to the Bahamas: Tips & Safety Info

Europe Travel Insurance: Your Essential Coverage Guide

Best Trip Cancellation Insurance Plans for 2024

What Countries Require Travel Insurance for Entry?

Philippines Travel Insurance: Coverage Requirements & Costs

Travel Insurance for the Dominican Republic: Requirements & Tips

Travel Insurance for Trips Cuba: Tips & Safety Info

AXA Travel Insurance Review April 2024

Travel Insurance for Thailand: US Visitor Requirements & Tips

Travel Insurance for a Trip to Ireland: Compare Plans & Prices

Travel Insurance for a Japan Vacation: Tips & Safety Info

Faye Travel Insurance Review April 2024

Travel Insurance for Brazil: Visitor Tips & Safety Info

Travel Insurance for Bali: US Visitor Requirements & Quotes

Travel Insurance for Turkey: U.S. Visitor Quotes & Requirements

Travel Insurance for India: U.S. Visitor Requirements & Quotes

Australia Travel Insurance: Trip Info & Quotes for U.S. Visitors

Generali Travel Insurance Review April 2024

Travelex Travel Insurance Review for 2024

Tin Leg Insurance Review for April 2024

Travel Insured International Review for 2024

Seven Corners Travel Insurance Review April 2024

HTH WorldWide Travel Insurance Review 2024: Is It Worth It?

Medjet Travel Insurance Review 2024: What You Need To Know

Antarctica Travel Insurance: Tips & Requirements for US Visitors

Travel Insurance for Kenya: Recommendations & Requirements

Travel Insurance for Botswana: Compare Your Coverage Options

Travel Insurance for Tanzania: Compare Your Coverage Options

Travel Insurance for an African Safari: Coverage Options & Costs

Related topics

• Travel Insurance for Seniors
• Cheap Travel Insurance
• Cancel for Any Reason Travel Insurance
• Travel Health Insurance
• How Much is Travel Insurance?
• Is Flight Insurance Worth It?
• Anniversary Trip Ideas
• Travel Insurance for Pre-Existing Conditions
• Places to Travel Without a Passport
• Christmas In Mexico
• Europe Travel Insurance
• Compulsory Insurance Destinations
• Philippines Travel Insurance
• Dominican Republic Travel Insurance
• Cuba Travel Insurance
• AXA Travel Insurance Review
• Travel Insurance for Thailand
• Ireland Travel Insurance
• Japan Travel Insurance
• Faye Travel Insurance Review
• Brazil Travel Insurance
• Travel Insurance Bali
• Travel Insurance Turkey
• India Travel Insurance
• Australia Travel Insurance
• Generali Travel Insurance Review
• Travelex Travel Insurance Review
• Tin Leg Travel Insurance Review
• Travel Insured International Travel Insurance Review
• Seven Corners Travel Insurance Review
• HTH WorldWide Travel Insurance Review
• Medjet Travel Insurance Review
• Antarctica Travel Insurance
• Kenya Travel Insurance
• Botswana Travel Insurance
• Tanzania Travel Insurance
• Safari Travel Insurance

Policy Details

LA Times Compare is committed to helping you compare products and services in a safe and helpful manner. It’s our goal to help you make sound financial decisions and choose financial products with confidence. Although we don’t feature all of the products and services available on the market, we are confident in our ability to sound advice and guidance.

We work to ensure that the information and advice we offer on our website is objective, unbiased, verifiable, easy to understand for all audiences, and free of charge to our users.

We are able to offer this and our services thanks to partners that compensate us. This may affect which products we write about as well as where and how product offers appear on our website – such as the order in which they appear. This does not affect our ability to offer unbiased reviews and information about these products and all partner offers are clearly marked. Given our collaboration with top providers, it’s important to note that our partners are not involved in deciding the order in which brands and products appear. We leave this to our editorial team who reviews and rates each product independently.

At LA Times Compare, our mission is to help our readers reach their financial goals by making smarter choices. As such, we follow stringent editorial guidelines to ensure we offer accurate, fact-checked and unbiased information that aligns with the needs of the Los Angeles Times audience. Learn how we are compensated by our partners.