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Get The Best Travel Insurance For Your Cruise

Smooth sailing, even when plans change

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  • Trip Cancellation & Interruption 
    Get reimbursed for non-refundable costs when plans change unexpectedly.
  • Delays & Missed Connections
    Coverage for meals, hotels, and rebooking when flights don’t go as planned.
  • Emergency Medical & Evacuation
    Up to $500,000 for accidents, illness, and transport to proper care.
  • Family & Group Coverage
    Protect up to 10 travelers under one plan.
  • Extra Protection Options 
    Add Cancel For Any Reason (CFAR) for maximum flexibility.
  • Easy Integration
    Using our unique URLs and tools for promoting VisitorsCoverage.
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What Does Cruise Insurance Cover?

Mandatory Insurance

Some cruise lines won’t let you board without proof of insurance. Having coverage ensures you meet requirements and avoid last-minute surprises.

Trip Cancellation

Cruises are a major investment. This coverage helps you get your money back if you have to cancel for a covered reason—so you don’t lose thousands of dollars.

Trip Delay

Covers meals, lodging, and transport if delays leave you stuck, so unexpected setbacks don’t drain your wallet.

Trip Interruption

If an emergency forces you to cut your trip short, this coverage reimburses your unused trip costs and pays for getting you home quickly.

Medical Evacuation

Emergency evacuations can cost tens of thousands of dollars. This coverage gets you to the nearest hospital or back home without the financial burden.

Delays & Missed Connections

Missing the ship can be expensive. This protection pays for last-minute travel arrangements so you can catch up with your cruise.

Medical Emergencies

Medical care at sea or abroad can be costly and is often not covered by your regular health insurance. This coverage ensures you get treatment without a massive bill.

Baggage & Belongings

Lost or delayed luggage can ruin your trip. This coverage reimburses you for essentials so you can keep enjoying your vacation.

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Here’s why many travelers prefer VisitorsCoverage plans

Better Value
Cruise-line insurance are generally more expensive and offer less coverage, while VisitorsCoverage plans give you more flexibility and protection.

Broader Coverage
VisitorsCoverage plans protect your entire trip—including flights, hotels, and  excursions after the cruise—not just the period before or during it.

Higher Medical Limits
VisitorsCoverage plans usually offer stronger medical and evacuation coverage.

More Cancellation Options
Cruise-line coverage may only offer future cruise credits, while VisitorsCoverage  provides cash refunds and Cancel For Any Reason (CFAR) options.

Simpler Claims
VisitorsCoverage provides claims assistance right here in the U.S., making it easier and faster to get reimbursed.

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Cruise line insurance vs. VisitorsCoverage

Most cruise lines require insurance. See how our cruise plans offer better value.

family-illness
missed-connection
stolen-passport
hurricane-cancellation
amanda-with-son
Family Illness:
Saved $4,600
Amanda’s son got sick before their Hawaii trip. She recovered $4,600 in non-refundable bookings.
amanda-with-son
Missed Connection:
Saved $1,400
Tom missed his cruise after a delayed flight. Insurance reimbursed $1,400 in rebooking costs.
amanda-with-son
Stolen Passport:
Saved $900
In Barcelona, Sofia’s bag was stolen. Insurance covered $900 for emergency passport and essentials.
amanda-with-son
Hurricane Cancellation:
Saved $5,200
A hurricane closed James & Linda’s Caribbean resort. They got back their $5,200 trip cost.
Disney Cruise vs. Atlas Journey Preferred
Carnival vs. Trip Protection Choice
Royal Carribean vs. Atlas Journey Premier
 
View Popular Plans

How you can save money on unexpected cruise travel events*

Join thousands of travelers who have saved money with travel insurance.

family-illness
missed-connection
stolen-passport
hurricane-cancellation
amanda-with-son
Family Illness:
Saved $4,600
Amanda’s son got sick before their Hawaii trip. She recovered $4,600 in non-refundable bookings.
amanda-with-son
Missed Connection:
Saved $1,400
Tom missed his cruise after a delayed flight. Insurance reimbursed $1,400 in rebooking costs.
amanda-with-son
Stolen Passport:
Saved $900
In Barcelona, Sofia’s bag was stolen. Insurance covered $900 for emergency passport and essentials.
amanda-with-son
Hurricane Cancellation:
Saved $5,200
A hurricane closed James & Linda’s Caribbean resort. They got back their $5,200 trip cost.
scenario-natural-disaster
scenario-medical-evacuation
scenario-seasickness
scenario-missed-departure

Top Cruise Travel Insurance Plans

Quickly compare plan top benefits below to find the plan that best fits your cruise vacation. These plans may cover trip cancellations, medical emergencies on board, missed ports, and lost or delayed luggage specific to cruises. 

Top Benefits
Trip Cancellation
Trip Interruption
Trip Delay
Missed Connection
Emergency Medical Evacuation & Repatriation
Cancel For Any Reason (CFAR)
Accident & Sickness Medical Expense
Baggage & Personal Effects
Baggage Delay
Trip Protection Choice
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Up to 100%
Up to 150%
Up to $2,000, $250 per day, after 6 hours
Up to $1,500 Tour or Cruise Connection
Up to $1,000,000
Optional Add-on
Up to $500,000
Up to $2,500 ($250/item)
$100 per day up to $500
Atlas Journey Preferred
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Up to 100%
Up to 150%
Up to $150 per day, $2,000 maximum
Up to $1,500
Up to $1,000,000
Optional Add-on
Up to $100,000
Up to $1,500 ($500/item)
Up to $300
Atlas Journey Premier
green-button-buy-plan_135
Up to 100%
Up to 150%
Up to $200 per day, $2,000 maximum
Up to $2,000
Up to $1,000,000
Optional Add-on
Up to $150,000
Up to $2,000 ($500/item)
Up to $500

Cruise Insurance FAQs

Everything you need to know before you set sail.

Is cruise insurance mandatory?

Some cruise lines won’t let you board without proof of insurance. Having coverage ensures you meet requirements and avoid last-minute surprises.

I already booked my cruise. Is it too late to buy cruise insurance?

No—you can still buy cruise insurance. However, the earlier you purchase, the more comprehensive your coverage will be, especially for trip cancellation and pre-existing medical conditions.

I have credit cards and health insurance that should cover me. Why should I get cruise insurance?

While credit cards and health insurance offer some protection, cruise insurance provides broader, cruise-specific coverage that they usually don’t, including:

  • Trip cancellation/interruption: Credit cards may cover some cancellations, but only under limited circumstances. Cruise insurance reimburses many covered reasons, like illness, family emergencies, or travel delays.

  • Medical emergencies on the cruise: Health insurance may not cover treatment onboard or emergency evacuation to another country or back home. Cruise insurance fills this gap.

  • Lost, stolen, or delayed baggage: Cruise insurance reimburses essentials if your luggage is lost or delayed, which credit cards may not fully cover.
Shore excursions and onboard activities: Coverage for excursions, optional tours, and certain onboard expenses is usually not included in standard credit card or health insurance plans.
Can cruise insurance cover pre-existing medical conditions?

Yes. Many plans offer coverage if purchased within a set period after your cruise booking. Always review policy details for eligibility.

Can I get a refund if I decide not to go on my cruise or something unexpected comes up?

Standard cruise insurance reimburses cancellations only for covered reasons (illness, injury, family emergency). If you purchase Cancel For Any Reason (CFAR) coverage, you can cancel for almost any reason and receive reimbursement for up to 75% of your prepaid cruise costs.

What happens if one of the travelers under my insurance cannot go, but I still want to?

If a travel companion cancels for a covered reason, their portion of the trip cost is usually reimbursed. Your coverage remains valid, and some plans may cover the added “single supplement” cost if you travel alone. Certain policies may also allow you to cancel your trip if your insured companion cancels.

Will my regular health insurance cover me on a cruise?

Often not. U.S. health insurance may have limited or no coverage abroad, making cruise insurance essential for overseas protection.

How easy is filing a claim, buying, or canceling insurance?

Filing a claim is quick and hassle-free, online or by phone, with guidance from VisitorsCoverage. Most plans can be purchased after booking (with some time-sensitive rules for pre-existing conditions). Plans usually include a free look period (10–14 days) to cancel for a full refund if you haven’t started your trip or filed a claim.

Why CHOOSE VisitorsCoverage?

Over 19 Years
of Innovation & Excellence

  • Trusted by 1 million+ travelers 
  • Award-winning US-based licensed insurance specialists are here to help
  • 24/7 personalized support with our AI Assistant
  • Flexible plan options, including Cancel For Any Reason (CFAR) and other add-ons

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Disclaimer: Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage  and Plan Contract (Policy) for a detailed description of Coverage  Benefits, Limitations and Exclusions. Must read the Policy Brochure and  Plan Details for complete and accurate details. Only the Terms and  Conditions of Coverage Benefits listed in the policy are binding. 

*Pricing may vary depending on a variety of factors such as number of travelers, age, duration, and more. Pricing and plan features listed here are high level, provided for your convenience and information purpose only. Please review the plan documents for a detailed description of Coverage Benefits, Limitations and Exclusions.

*For privacy purposes, all specific names and identifying details for claims scenarios have been replaced with generic placeholders to ensure confidentiality.