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Cruise Travel Insurance Plans

Understand the importance of cruise travel insurance plans for your next vacation and make sure you’re covered with the right Travel Guard plan.

Cruise travel insurance plans are designed to cover you on your water-bound vacations whether you’re traveling across the sea or on a river cruise. From the Bahamas to Barcelona, there is a Travel Guard plan to cover your cruise vacation no matter how long or short it may be.

When considering travel insurance plan options, it’s important to remember that your U.S. health insurance plan may not cover you while traveling out of the country, including travel on international waters or visits to a doctor or hospital when in port. Having a cruise travel insurance plan with medical expense coverage and any necessary medical transport coverage is invaluable if you find yourself with an unexpected illness or injury.

Or, if unforeseeable bad weather interrupts your trip, Travel Guard has coverage options to help protect you.

Ready to book your cruise vacation?

Travel Guard’s award-winning travel insurance plans provide excellent coverage options and access to 24-hour emergency travel assistance. Compare our travel insurance plans to find the best option for your travels today. Get travel insurance the way you want it!

What is a cruise travel insurance plan?

Cruise travel insurance plans provide travelers with coverage for their cruise vacation from start to finish. This includes much more than just your cruise –flights and hotel stays the night before your cruise departs can be covered with your Travel Guard travel insurance plan To learn how to best use your travel insurance plan, visit out article on how travel insurance works.

What does a cruise travel insurance plan cover?

Travel Guard offers customizable travel insurance plans for your cruise vacation. Look for a plan that has the coverage and benefit limits you need. Popular plan features include:

  • Medical expense coverage
  • Travel inconvenience benefit – a one-time payment for inconveniences you encounter on your trip such as a cruise diversion or runway delay (included with certain plans)
  • Emergency travel assistance – specialized representatives are available day or night for unexpected travel issues, no matter how far the next port is
  • Lodging expense – coverage for reentry requirements into the U.S. (optional add-on coverage available on certain plans)
  • Adventure sports bundle – for if you’re planning extreme activities during your cruise (optional add-on coverage available on certain plans)
  • Baggage coverage
  • Trip cancellation coverage
  • Cancel for Any Reason (optional add-on coverage available on certain plans)

Do I need a cruise travel insurance plan?

For any vacation, it’s smart to cover your travel investment, but with a cruise you’re often coordinating a lot of arrangements – travel to the port city, hotel stays before your cruise, and the cruise itself. One delay and your entire trip could be impacted. With a Travel Guard travel insurance plan, your travel investment can be protected, and you have access to our specially trained representatives for 24-hour travel emergency assistance. A missed flight connection doesn’t have to mean a missed cruise – our representatives will work to help you through and unexpected travel mishaps.

Which Travel Guard travel insurance plan is best for my cruise trip?

Travel Guard has a variety of options to help protect your trip depending on the coverage you need. For shorter cruises, the Preferred Plan may have all the coverage you need. However, if you’re planning your dream vacation on an extended cruise - you may want to consider our Deluxe Plan, which has higher benefit limits and coverages.

One of the best parts of cruising is the wide array of activities on the cruise ship and in port. If you think you’ll be participating in any adrenaline pumping activities like water skiing or ziplining, you might want to consider adding on Travel Guard’s Adventure Sports Bundle!

No matter which Travel Guard insurance plan you choose, you’ll have access to our specially trained representatives for 24/7 emergency travel assistance.

Will a cruise travel insurance plan cover my flights?

Yes! Travel Guard has comprehensive plans to ensure your entire trip is covered. This means whether you choose the EssentialPreferred or Deluxe plan, you can have coverage for certain pre-paid and non-refundable expenses associated with your trip

What is the best travel insurance plan for seniors going on a cruise?

Travel Guard’s Deluxe Plan includes our highest benefit limits for our offered coverages. Traveling seniors may find travel medical expense and emergency evacuation coverage to be the most reassuring when taking a cruise.

Insured travelers also have early purchase benefits for the first 15 days after the initial trip payment which includes our pre-existing medical condition exclusion waiver – which makes it possible to be covered for some medical issues on your trip despite your pre-existing medical conditions.

Why purchase your cruise travel insurance plan through Travel Guard?

Travel Guard is one of the world’s leading travel insurance providers with a network of service centers located in Asia, Europe and the Americas, ensuring the highest quality emergency travel services and medical assistance while you’re traveling. With early purchase benefits and optional add-on coverages, you can customize the plan and coverages you need for your cruise vacation.

Get travel insurance the way you want it!

Reviews and Testimonials


“In March 2017, my husband and I took a two-week Caribbean cruise. During the second week, he developed severe bronchitis and was treated for four days in the ship’s clinic. We called our daughter (back at home), who immediately contacted Travel Guard on our behalf to start the claims process--which was seamless. After we returned home, I submitted all bills for which we were paid very quickly. There were no questions asked and absolutely no aggravation. Working with Travel Guard could not have been a better experience at a very stressful time.

As a result, we have purchased Travel Guard three times since and will continue to be loyal customers. The peace of mind gained by being a Travel Guard customer cannot be overstated. Travel Guard exceeded my expectations. Thank you, Travel Guard!”

- Sharon K.

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Coverage available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc. (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Avenue of the Americas, 37th FL, New York, NY 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the Travel Retailer.