What does Cruise Insurance cover?

With our Cruise insurance cover, you get all the great benefits of our Single Trip and Annual insurance policies, but you’re also covered for risks that are unique to cruises , including: Missed port departure: If you miss the ship, we’ll pay for transport costs so you can catch it at the next port. Cruise interruption: If you fall ill and need to be hospitalised ashore, we’ll pay for the travel expenses so you can re-join the cruise when you’re feeling better. Cabin confinement: We’ll pay up to your claim limit if you’re ill and the doctor confines you to your cabin. This also applies if there’s a medical situation on board that means you have to stay in your cabin. Cruise itinerary changes: If there’s bad weather or a reason why your ship can’t make a scheduled stop, we’ll pay up to the limit shown on your policy. Unused excursions cover: If you can’t make a trip or excursion due to injury, illness or the ship not being able to stop as scheduled, we’ll cover you for the unused cost. To understand exactly what your Cruise cover includes and what exclusions apply, please carefully read your policy information, and the terms and conditions of your cover.

Does normal travel insurance cover cruises?

Cruise travel insurance is specifically designed for those holidaying on a ship, so it takes into account things like: Medical expenses being far greater than they would be on land Missing the cruise’s departure Being confined to your cabin The fact that you’re moving from port to port, rather than staying in one place; the planned itinerary could change, and you may miss a port or not get chance to do an excursion you booked. With standard travel insurance, you wouldn’t be covered for these things. But, if you take out travel insurance with Cruise cover, you’re protected – so you can just enjoy your holiday.

How much does cruise insurance cost?

As with any travel insurance policy, the amount of money you pay for your travel insurance with cruise cover will depend on a number of factors, such as your age, whether you have any pre-existing medical conditions and the length of your trip. The amount you pay will also depend on the level of cover you choose. Our travel insurance with cruise cover comes with two different policy levels: Silver and Gold. Each of these has a different payment limit and excess amount, so you can choose a level of cover to suit you.

Why do you need cruise travel insurance?

Though plenty of cruise holidays go without a hitch, the experience can be far from smooth sailing. You could have a virus outbreak on the ship, your luggage could go missing or you could miss a port because of bad weather. For this reason, specialist Cruise travel insurance is just as important as your passport.

I have a pre-existing medical condition; can i still get cruise insurance?

If you have a pre-existing medical condition, you may still be able to get Cruise travel insurance through our Single Trip policy. Please note that you cannot buy our Annual policy if you have a pre-existing condition. When purchasing travel insurance with medical conditions included , you’ll need to provide us with details of any medical conditions you have. This way, we can make sure you’re properly covered in case you run into problems whilst you’re away.

Covid-19 travel insurance

We know that times have been hard recently. At Allianz Assistance, we understand the importance of feeling completely safe and at ease when you travel. That’s why we’ve worked during the pandemic to make some changes to our travel insurance products, giving you access to better pandemic and epidemic protection, including some cover for Coronavirus-related claims.

We want you to be fully prepared before travelling abroad and be completely aware of what you are covered for with your travel insurance policy. Our new product now covers you for a range of different pandemic and epidemic travel-related issues, but please be aware that you will not be covered if you travel to a country against the advice of the World Health Organization (WHO), Foreign, Commonwealth and Development Office (FCDO) or any other local authority.

So, what would you be covered for under our new offering and how can it benefit you when you travel?

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Which policies are changing?

We have enhanced our Single Trip, Backpacker and Annual multi-trip travel insurance policies to now include cover for a wider range of claims relating to global pandemics and epidemics.

All of these policies can provide you with the protection that you deserve when you go on a trip. Go to our Travel Insurance page to look at our policies and get a quote for your next trip away from home.

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What are the new offerings?

COVID-19 has put our lives on pause for many months, so now that travel restrictions are beginning to be lifted, you can finally get your break away. Our new travel insurance offering helps provide that extra reassurance for those of you who are travelling whilst COVID-19 is still present across the world.

Our new policy provides cover for the following:

If you contract an epidemic or pandemic disease or are subject to compulsory quarantine whilst on your trip

If you fall ill with an epidemic or pandemic disease (including COVID-19) or are required to quarantine as a result of your exposure to the disease, you will be covered for medical costs incurred as a result if you are outside the UK when falling ill. We will also provide cover for cutting short your trip, repatriation and/or extending your trip if you aren’t well enough or able to travel home as planned.
Our policies will also cover the cost for one member of your travel party to stay abroad with you, where medically necessary, until you are fit enough to return home. It is important that you contact our 24-hour medical emergency helpline for advice and assistance if you are admitted to hospital or are unable to travel home as planned.
If you need to cancel your trip

Cancellation cover will apply if your trip is cancelled because you or your travel companion either have symptoms or are diagnosed with an epidemic or pandemic disease (such as COVID-19), There is also cover if you or your travel companion are required to quarantine (self-isolate) as a result of your individual circumstances, such as being requested to by the NHS Test and Trace service.
You won’t need to take a test to prove that you have the virus, but you will need to provide a Doctor’s certificate to confirm your symptoms or diagnosis, or evidence that you’ve been instructed to self-isolate via the NHS or via the government’s ‘Test and Trace’ programme. If you are unable to travel due to a general quarantine being placed across a region or nation, then this cover does not apply.
Cover is provided for specified individual events only.

If you need to take care of or be with a loved-one

You are also covered for cancellation or cutting short your trip if one of your, or your travel companion’s close relatives (such as a parent, child, sibling or grandparent) falls seriously ill due to an epidemic or pandemic disease (including COVID-19) and you or your travel companion are advised not to travel as a result. Similarly to general cancellation, you will need to provide a Doctor’s certificate to support your claim.
If you are denied boarding

If you, or someone that you are travelling with, are denied boarding of your pre-booked public transport by order of the carrier, the government or a public authority as a result of you or your travelling companion displaying symptoms of a contagious disease (including an epidemic or pandemic disease, such as COVID-19), we will provide cover for any unused and unrecoverable trip costs.
We will require you to provide written confirmation of the denied boarding order from the carrier when you make a claim.

We know the importance of feeling safe and protected during your holiday, perhaps now more than ever. Browse our Travel Insurance policies today to see if they are suitable for you and your individual needs.

For more information about the new level of cover, visit our comprehensive FAQs page . Here we answer many questions you might have about your policy.

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How to ensure you have the right cover

What is an EHIC or GHIC and what can it offer you?

Having a European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) will entitle you to the government-provided healthcare of the European Union country you are visiting, lowering the medical costs you would normally expect to pay. Although this is a good addition to take on holiday, having a travel insurance policy as well could provide you with further protection and peace of mind whilst you are abroad. Our travel insurance policies can protect you against many unforeseen eventualities.

Does your bank or credit card company provide cover?

A lot of bank accounts or credit cards come with varying levels of travel insurance cover. Although some may be comprehensive and suitable for most trips, they may not cover you for everything you have planned whilst you’re away. If you have adventurous plans or unusual excursions booked for your trip, you might not be covered. Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans.

Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover that is offered on purchases when a provider defaults and you are unable to receive your goods (or in this case, go on your holiday). This means that, in most cases, you can get your money returned to you before going on your trip.

Are you covered by ABTA or ATOL?

If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down. Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home.

TRAVEL FAQS

Popular insurance types that may interest you

Travel Insurance for people with
Medical Conditions

From 5th May 2021 we will no longer be offering travel insurance policies to cover people’s pre-existing medical conditions. This is only a temporary measure while we make improvements to our online booking engine. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additonal cover again.

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Annual
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Sports & Leisure
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Many sports and leisure activities are covered on our standard travel insurance policies at no additional premium. From 5th May 2021 we will not be able to provide cover while you take part in riskier Category 2 and Category 3 sports and leisure activities like kite surfing and rugby. This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again.

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Single Trip
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Just taking the one trip this year? Then our Single Trip travel insurance is perfect. You can relax – knowing you’re covered.

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Other products available from Allianz Assistance

Family
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Golf
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From 5th May 2021 while we can still cover you under the standard sections of our travel insurance policy while on a Golf holiday, we will not be able to offer the additional cover previously provided by the Golf optional extra section. This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again.

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Ski & Winter Sports
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Whether you’re a seasoned skier or a first-timer, our Winter Sports and Ski cover offers protection when you hit the slopes.

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Alternative Cover Options For Pre-existing Medical Conditions

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers featured in the Money and Pensions Service (MaPS) directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm)
or
Email: traveldirectory@maps.org.uk