Cruise Travel Insurance

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What is Cruise insurance? 

Cruise cover is a special policy section that you can add onto your regular travel insurance, to get cover for specific risks associated with a cruise holiday – such as missing your ship or being confined to your cabin.

All of our standard policies provide cover for travelling on a Cruise ship, but you will only have the extra cover provided under the optional Cruise cover extension if you choose to purchase this as part of your travel insurance policy.

If you’re venturing across the Mediterranean, taking the trip of a lifetime around Asia or exploring the Caribbean islands on a ship, then traditional travel insurance may not cover you, particularly for cruise specific risks like missing a port stop. By adding Cruise cover to your Allianz Assistance policy, you’ll have cover in case anything goes wrong.

Cruise travel insurance extensions aren't a legal requirement, but some cruise providers do ask you to take out Cruise cover for your holiday, so check your trip booking documents carefully to see whether it’s required for your trip of choice. 

Below is some more information about our products, for which Terms and Conditions apply. Please visit the  policy information hub for full details.

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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 beacuse of public transport delays or your vehicle breaking down on your way to the port, 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.
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Frequently Asked Questions

Does normal travel insurance cover cruises?

Cruises are a great way to see the world, but they’re different to traditional ‘fly and stop’ holidays. Certain things that happen at sea usually aren’t covered by a standard policy, which is what makes Cruise travel insurance a useful add-on if you’re heading out on the open water.  

Cruise travel insurance is specifically designed for those holidaying on a ship. It accounts for unique issues, such as missing the cruise’s departure because your car breaks down on route to the port or being confined to your cabin through illness. It even considers 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.

To find out how much your Cruise holiday insurance will cost, you can get a quote today. Simply fill in your details and we’ll provide you with a quote for your trip. 

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 can be just as important as your passport.

Although Cruise travel insurance isn’t a legal requirement, it’s still incredibly important if you want to be covered while you’re at sea. With Cruise holiday insurance you can relax, knowing that you’ve got cover in place. 

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.

Get a quote today for cruise travel insurance with medical conditions included and you’ll be able to see exactly how much your policy will cost and whether we can cover you.

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.

How to ensure you have the right cover

What is an EHIC Card and what can it offer you?

Having a European Health Insurance Card (EHIC) will entitle you to the government-provided healthcare of the European Economic Area 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, it 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.
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Medical Solutions 24/7 GP telephone and video consultations
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Customers who have bought our travel insurance can arrange a medical consultation with a UK GP, to talk through your medical concerns, 24 hours a day, 7 days a week. Alternatively, you'll be able to speak to them face to face by booking an online video consultation*.

*For video consultations, time restrictions apply and UK Bank Holidays are excluded.

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