10 Best Travel Insurance for Cruises – Top Plans & Coverage

This article will discuss the best travel insurances for cruises. Cruises have wonderful events.

However, unplanned circumnd dances such as medical emergencies, losing luggage or even trip postponements can throw a spanner in the works.

Selecting a travel insurance policy helps alleviate the anxiety and safeguards the insured’s health and finances while making the most of the time spent on the sea.

Key Points & Best Travel Insurance For Cruises List

Provider	Key Highlights
Travel Insured International	Offers comprehensive plans with high medical and evacuation limits; known for flexible coverage options.
Tin Leg	Provides affordable plans with strong medical coverage; the Luxury plan is ideal for high-end cruises.
Seven Corners	Specializes in cruise-specific benefits; offers extensive medical evacuation coverage.
Generali Global Assistance	Known for 24/7 emergency support services; includes up to $1,000 upfront payment for acute medical treatment.
Allianz Travel Insurance	Offers comprehensive coverage for cruises; includes trip cancellation, medical emergencies, and baggage protection
AXA Assistance USA	Provides robust trip cancellation and interruption coverage; includes $100,000 per person for emergency medical evacuation.
John Hancock Insurance Agency	Ideal for luxury cruises; offers up to $1 million in medical evacuation coverage and excellent baggage loss protection.
Berkshire Hathaway Travel Protection	Offers comprehensive travel insurance plans covering vacation cancellations, flight delays, missed connections, medical emergencies, and lost or delayed baggage.
Nationwide	Provides comprehensive coverage options; known for reliable customer service and competitive pricing.
Travelex	Offers family-friendly plans; children under 17 are covered at no additional cost.

10 Best Travel Insurance For Cruises

1. Travel Insured International

Travel Insured International has a wide array of coverage for cruise travelers which comes with the ability to add additional features such as trip cancellation, medical coverage, and even lost baggage.

Their customers overwhelmingly rate them as extremely polite and responsive which is a huge plus, though there have been one or two customers that stated they had to jump between hoops for documentation within the claims process.

As a precaution, it is better to read the policy and have each piece of documentation for easier claims processing.

Key Features Travel Insured International

• Trip Cancellation & Interruption: Reimbursement for nonrefundable trip costs.
• Medical Coverage: Up to $50,000 for accident and sickness.
• Medical Evacuation: Coverage up to $250,000.
• Optional Cruise Bundle: Additional coverage for cruise-specific concerns.

2. Tin Leg

Tin Leg is one of the companies that offer cheap cruise travel insurance with excellent medical coverage. Their Luxury plan will appeal to individuals that are going on expensive cruises.

The company receives a lot of positive feedback when it comes to the customer service and claims process, however some complaints are found with the claims process.

It is best to have a claims file where all documents are stored so the process is easier. The documents should be unsolicited.

Key Features Tin Leg

• Trip Cancellation: 100% reimbursement for covered reasons.
• Emergency Medical: Up to $100,000, primary with no deductible.
• Medical Evacuation: Up to $250,000.
• Travel Delay: Up to $2,000 per person after a 6-hour delay.
• Missed Connection: Up to $500 after a 3-hour delay.

3. Seven Corners

Customers of Seven Corners like that they offer cruise-specific medical benefits, especially the medical evacuation policy.

They focus mainly on cruise travelers and tailor the plan options to those needs. Seven Corners has quite a good rating for responsiveness especially for helping customers buy the right coverage for cruises.

Though some have voiced their disappointments about the endless paperwork and the protracted wait periods for reimbursements within the claims procedure.

Key Features Seven Corners

• Trip Cancellation & Interruption: Reimbursement for nonrefundable trip costs.
• Emergency Medical: Up to $250,000.
• Missed Connection: Up to $250 per day, up to $1,500.
• Pre-Existing Conditions Waiver: Available if purchased within 20 days of initial trip payment.

4. Generali Global Assistance

Generali Global Assistance is known for 24/7 emergency support services and includes up to $1.000 upfront payment for acute medical treatment.

They have many satisfied customers. Their online claim process is fast and easy and many customers rave about the timely reimbursements.

Some customers do say that they struggle with the claims portal and with the provider’s automated telephone system.

Key Features Generali Global Assistance

• Trip Cancellation & Interruption: Coverage for unforeseen events.
• Emergency Medical & Dental: Access to 24/7 emergency services.
• Baggage Loss & Delay: Compensation for lost or delayed baggage.
• Concierge Services: Assistance with travel arrangements.

5. Allianz Travel Insurance

Allianz Travel Insurance has comprehensive cruise insurance and covers trip cancellations and medical emergencies and lost luggage.

They have been well reputed over the years. Some travelers do say to have some challenges with the claims process within Allianz Travel Insurance such as lacking customer support for the delays and lost claims even

When the claims are acknowledged. It is always helpful to keep good communication and to review the provider’s regulations before anything else.

Key Features Allianz Travel Insurance

• Trip Cancellation: Reimbursement for nonrefundable trip costs.
• Emergency Medical & Dental: Up to $50,000.
• Emergency Medical Transportation: Up to $500,000.
• Travel Delay: Up to $500.
• Missed Connection: Up to $500

6. AXA Assistance USA

AXA Assistance USA has strong coverage for trip cancellation with a 100.000 emergency medical evacuation.

They provide robust trip cancellation and interruption coverage with 100.000 emergency medical evacuation per person.

They provide three fully underwritten insured custom plans by Nationwide Mutual Insurance company.

Customers appear to enjoy using the services with an average score of 4.21 over 5.Other customers are frustrated by the tedious paperwork and long wait times on reimbursement through the claims process.

Key Features AXA Assistance USA

• Trip Cancellation: Up to 100% reimbursement for covered reasons.
• Emergency Accident & Sickness Medical: Up to $250,000.
• Baggage & Personal Effects: Up to $3,000.
• Optional Cancel For Any Reason: Available

7. John Hancock Insurance Agency

John Hancock Insurance Agency has excellent reviews for the pre-trip services and has a 4.5 out of 5 customer rating with 0.2% negative reviews.

They provide multiple coverage options for customers planning cruise travel. Also, some customers have complained about the claims process with issues such as slow recognition of claims and the claims documents being submitted.

It is better to have the documents manager and file all claims if all the documents are available to refile the claims.

Key Features John Hancock Insurance Agency

• Trip Cancellation & Interruption: Coverage for unforeseen events.
• Accident & Sickness Medical: Primary coverage.
• Medical Repatriation: Assistance with returning home.
• Baggage Coverage: Protection against lost or delayed baggage

8. Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has a complete travel insurance plan that includes coverage for the cancellation of vacations, travel delays, missed flights, medical issues, and lost or delayed luggage.

They have special plans for cruisers, adventurers, and road trippers. It is better to see other providers and compare their plans to buy the travel insurance.

Key Features Berkshire Hathaway Travel Protection

• Trip Cancellation & Interruption: Reimbursement for nonrefundable trip costs.
• Medical Emergency Coverage: Assistance during medical emergencies.
• Missed Connection: Coverage for missed connections.
• Pre-Existing Conditions Waiver: Available under certain conditions

9. Nationwide

Nationwide has multiple coverage options for customers planning cruise travel. They are known to have excellent customer service and have affordable prices.

Still, some customers have faced challenges processing claims, particularly with the delays and denial of claims.

In order to process claims effectively, customers should understand the specific details of the policy and communicate properly with the provider.

Key Features Nationwide

• Trip Cancellation & Interruption: Coverage for unforeseen events.
• Emergency Medical: Assistance during medical emergencies.
• Baggage Protection: Compensation for lost or delayed baggage.
• Travel Delay: Coverage for delays.
• Missed Connection: Assistance for missed connections.

10. Travelex

Travelex’s plans are also quite family-friendly, offering free coverage for children under 17. Also, their flagship plans offer far-reaching cruise coverage with the ability to cancel the trip, medical emergencies, and even lost baggage coverage.

Still, some customers have faced challenges with the claims process, concern delays, and submission of claims.

For this reason, it is best to have a documented and organized process and submit the required materials as quickly as possible in order to accelerate the claims process.

Key Features Nationwide

• Trip Cancellation & Interruption: Reimbursement for nonrefundable trip costs.
• Emergency Medical: Assistance during medical emergencies.
• Baggage Protection: Compensation for lost or delayed baggage.
• Travel Delay: Coverage for delays.
• Missed Connection: Assistance for missed connections.

Conclsuion

In conclsuion choosing the best travel insurance for cruises is a significant part of keeping your getaway safe from unforeseen outcomes such as a medical emergency, cancelled flights, and lost bags.

Each provider has its advantages. Therefore, comparing plans based on covered risks, expenses, and support service is a must.

Having peace of mind is the goal. Being properly insured during your cruise journey lets you enjoy the journey.

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