Our picks for the best travel insurance for cruises
Advertiser Disclosure
Best Coverage for Cruises Overall
Why We Like It
Tin Leg Adventure provides one of the best cruise policies on the market. This policy covers important cruise-related factors such as cancellation, providing 100% of the trip cost and 150% of the trip cost for trip interruptions. In the enclosed environment of a cruise, you are far more susceptible to illnesses such as COVID-19 and Tin Leg Adventure offers coverage for cancelations due to COVID-19 sickness.
On top of this, Tin Leg Adventure offers $100,000 worth of medical coverage and a comforting $1,000,000 worth of medical evacuation coverage. For those who are worried about missing their connection, $500 per person is offered up and covers you after just a 3-hour delay.
Read our full review
- Higher than average medical evacuation coverage
- Coverage for pre-existing conditions
- Cancelation & interruption coverage
- Coronavirus-related medical expenses covered
- Lower medical coverage
- No “interruption for any reason” upgrade available
Many Customizable Add-ons & Amazing App
4.5
Faye Travel Protection Plan
Why We Like It
Faye is a new travel insurance disruptor that offers an innovative solution to travel insurance with a digital-first approach. What sets them apart is their user-friendly solution to a traditionally bureaucratic system. With Faye, users can manage everything online or via the Faye app – including the entire booking and claims process.
Although it’s a newer provider in the travel insurance industry, Faye is already rising as a fan favorite among young, tech-savvy travelers and digital nomads who want quick, convenient, and reliable travel insurance without having to go through an agent.
Apart from their online-first approach, Faye is easy to use and caters to all types of travelers including those who may want help via phone support.
Another feature that sets Faye apart from the competition is their plan offerings. Faye offers one base plan with an array of comprehensive coverage and optional add-ons to customize your plan.
Potential Add-ons include:
- Pet care
- Rental car care
- Cancel for any reason
- Vacation rental damage
- Adventure & extreme sports
If you are looking for a convenient and cost-effective way to insure your vacation, consider opting for Faye travel insurance. *Note: Coverage limits and availability may vary by state of residence.
Read our full review
- Friendly agents
- Easy-to-use mobile app
- Fast reimbursements for eligible claims
- Prompt replies to questions
- Long wait times for reimbursement
- Difficulty reaching Faye outside of email & virtual chat
Great Value & Great for Senior Travelers
4.2
iTravelInsured Travel LX Basic
Why We Like It
This plan is great for travelers of any age and offers extremely robust coverage for a low price. Depending on your trip parameters, this plan can work out to be hundreds of dollars cheaper than similar plans while still offering great coverage and a 10-day money-back guarantee.
As an example, you will be covered for up to $500,000 of primary emergency medical coverage, meaning you won’t have to pay first and wait to be reimbursed should you need unexpected medical treatment while traveling. IMG will pay the bills for you up to $500,000. You also get travel cancellation, interruption, and travel delay coverage as well as protection for baggage delays and baggage loss comes standard. All of this makes IMG an ideal provider for insuring your next cruise.
- 10-day money back guarantee
- Generous limits for trip delays, emergency evacuation, and more
- 24/7 emergency travel assistance included
- Coronavirus-related medical expenses covered
- Rental car coverage included
- Recently developed pre-existing conditions may not be covered
- CFAR and IFAR coverage only available as an add-on with premium plans
Covers Pre-Existing Conditions
Why We Like It
John Hancock’s Gold plan is a fantastic insurance plan for those with pre-existing conditions looking to take a cruise. Automatically included in the coverage, this plan allows travelers to be free from the stresses of pre-existing conditions that may hinder them with other providers. Alongside this perk, the Gold plan also offers both trip cancellation and trip interruption coverage worth up to 100% and 150% of the trip cost.
John Hancock’s Gold plan provides top-of-the-range coverage when it comes to all things medical. This plan offers medical emergency coverage worth up to $250,000 and $1 million in coverage for emergency medical evacuation and repatriation of remains - some of the highest across the market.
- Travel delay coverage kicks in after just three hours
- Generous coverage for emergency evacuation and repatriation of remains
- Optional CFAR upgrade available
- Baggage insurance comes with generous limits of up to $2,500
- Terror attack coverage included
- Baggage delay coverage requires a 12-hour waiting period
Great Coverage for Cancellations & Interruptions
Why We Like It
The Worldwide Trip Protector plan is a fantastic choice, based on the superior coverage it provides. This plan covers 100% of the insured trip cost due to cancellation, 150% of the insured trip cost due to interruption, as well as $1,500 for trip delays and $500 for baggage delays after only 3 hours. It also includes $100,000 worth of medical coverage, $1 million worth of evacuation coverage, and $150,000 worth of non-medical evacuation coverage.
Being primary coverage, you will be free from spending any of your own money, with the insurance provider covering all costs upfront. With hurricane and weather coverage, The Worldwide Trip Protector plan is perfect for taking cruises throughout more volatile regions.
Read our full review
- Travel delay coverage kicks in after just six hours
- Generous $150,000 non-medical evacuation coverage
- 24/7 emergency travel assistance included
- CFAR and IFAR coverage not included
- Baggage delay coverage only kicks in after 12 hours
- No rental car coverage
Best When Choosing Medical-only Coverage
Why We Like It
When you add full trip cancellation reimbursement coverage to your travel insurance plan, the policy premium can get quite expensive. This is especially true for older travelers. Therefore, some travelers may want to forego trip cancellation coverage and opt only for medical coverage.
The Generali Premium plan is an excellent choice as it offers primary medical coverage with high limits for medical and medevac coverage – $250,000 and $1,000,000 respectively. You also get coverage for lost or delayed baggage, travel delays, missed connections for cruises and tours, rental car damage coverage, accidental death and dismemberment payouts, and more.
All of this coverage is offered at an affordable price, which makes this plan a great option if you still want travel coverage but want to save a bit of money in the process. This plan is also one of the top-selling plans on our platform, so it’s been vetted by the masses.
Read our full Generali review
- High coverage limits with top tier Premium plan
- Some plans let you add on CFAR coverage
- Pre-existing conditions covered in the Premium plan
- Comes with 24-7 worldwide travel assistance services
- The standard plan comes with low plan limits, including just $50,000 per traveler in medical and dental expense
- CFAR coverage must be purchased within 24 hours of the initial trip deposit
- A 12-hour waiting period is required for luggage delay coverage
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