What is the best travel insurance for cruises
| Insurance Provider | Medical Coverage | Trip Cancel/Interrupt | Cruise-Specific Benefits | CFAR Option | Best For |
|---|---|---|---|---|---|
| Seven Corners | $250k / $500k | 100% / 150% | Yes | Yes (75%) | Comprehensive coverage |
| Tin Leg | $250k / $1M | Yes | Yes | Limited | Medical protection |
| Crum & Forster | $100k / $500k | 100% / 150% | Moderate | Yes (within 21 days) | Balanced protection |
| Royal Caribbean Plan | Moderate | 100% / 90% (credit) | Yes | Yes | Royal Caribbean guests |
| Disney Cruise Plan | $30k (evac only) | Limited | Limited | Yes (credit) | Disney families |
| Staysure (UK) | £1,500 | Yes | Yes (add-on) | Yes | UK travelers |
Planning a cruise vacation in 2025? Whether you’re setting sail with Royal Caribbean Disney Cruise Line or any luxury ocean liner travel insurance is one of the most important investments you can make.
In this comprehensive guide, we’ll cover:
- Why cruise travel insurance is essential
- Detailed comparison of top cruise insurance providers
- Key features pros cons and pricing insights for 2025
Why Do You Need Cruise Travel Insurance?
Cruise vacations come with a unique set of risks:
| Common Cruise Risks | Insurance Coverage Needed |
|---|---|
| Trip cancellation before departure | Full trip cost reimbursement |
| Missed cruise connection or port | Missed connection and itinerary change coverage |
| Onboard medical emergencies | Emergency medical and evacuation coverage |
| Delayed flights affecting cruise boarding | Delay and interruption protection |
| Lost or delayed luggage | Baggage delay/loss insurance |
Regular travel insurance may not cover all these scenarios. That’s why specialized cruise travel insurance is recommended.
Top Cruise Travel Insurance Providers for 2025
Let’s explore the best cruise-specific plans in detail . Here is a Top Cruise Travel Insurance Providers for 2025
1. Seven Corners Cruise Insurance
Best Overall for Cruise-Specific Benefits
Seven Corners is a top choice for cruise insurance due to its comprehensive benefits specifically tailored for cruise travelers. Whether it’s a missed port itinerary change or emergency medical evacuation this plan provides excellent coverage.
Coverage Details:
| Benefit | Coverage Amount |
|---|---|
| Trip Cancellation | Up to 100% of nonrefundable costs (max $30,000) |
| Trip Interruption | Up to 150% reimbursement |
| Emergency Medical | Up to $250,000 |
| Medical Evacuation | Up to $500,000 |
| Missed Connection | $1,500 |
| Itinerary Change | $500 |
| Trip Delay | $250/day, up to $1,000 |
Optional Add-Ons:
- Cancel For Any Reason (CFAR) – Refund up to 75%
- Interruption For Any Reason (IFAR)
Best For:
- Travelers who want cruise-specific protections
- Those seeking high emergency medical and evacuation limits
Drawbacks:
- Premiums are higher than average
- Medical documentation may be required for some claims
2. Tin Leg Cruise Insurance
Best for High Medical Coverage
Tin Leg stands out for its exceptional medical and evacuation benefits making it ideal for international cruisers or travelers with health concerns.
Coverage Details:
| Benefit | Coverage Amount |
|---|---|
| Emergency Medical | Up to $250,000 |
| Medical Evacuation | Up to $1 million |
| Trip Cancellation | Covers prepaid cruise fares, excursions, etc. |
| Trip Interruption | Covered (percentage based on plan) |
| Missed Ports/Cruise Delay | Included |
| Itinerary Change | Covered for weather/mechanical failure |
| Trip Delay | Covered (amount depends on plan) |
| Baggage Loss/Delay | Included |
Optional Add-Ons:
- Some plans offer CFAR (varies by tier)
- Adventure sports rider (on select plans)
Best For:
- Seniors or those with medical concerns
- International cruise travelers
Drawbacks:
- Limited customization in some plans
- Can be more expensive depending on coverage level
3. Crum & Forster Travel Insured FlexiPAX Plan
Best All-Rounder with Cruise Benefits
A well-balanced policy that delivers strong protection across the board, with cruise-friendly features like missed connection and baggage delay.
Coverage Details:
| Benefit | Coverage Amount |
|---|---|
| Trip Cancellation | Up to 100% of trip cost |
| Trip Interruption | Up to 150% of trip cost |
| Emergency Medical | Up to $100,000 |
| Medical Evacuation | Up to $500,000 |
| Missed Connection | Covered (exact amount varies) |
| Trip Delay | Covered |
| Baggage Loss/Delay | Included |
Optional Add-Ons:
- Pre-existing condition waiver (if purchased within 21 days)
- Cancel For Any Reason (on select plans)
Best For:
- Travelers seeking value with well-rounded protection
- Those booking early who need pre-existing condition coverage
Drawbacks:
- Medical coverage is lower than some premium plans
- Not as customizable as others
4. Royal Caribbean Travel Protection Program
Best for Royal Caribbean Cruises
This exclusive plan by Royal Caribbean offers cruise-focused protection, including CFAR benefits as future cruise credit — making it appealing for loyal Royal cruisers.
Coverage Details:
| Benefit | Coverage Amount |
|---|---|
| Trip Cancellation | Up to 100% of cancellation fees |
| Trip Interruption | Up to 100% (for covered reasons) |
| Cancel For Any Reason | Up to 90% (as future cruise credit) |
| Emergency Medical | Covered (amount varies) |
| Medical Evacuation | Included |
| Baggage Loss/Damage | Included |
| Trip Delay | Covered |
Optional Add-Ons:
- None – package is fixed
Best For:
- Travelers exclusively cruising with Royal Caribbean
- Those who prefer the simplicity of in-house coverage
Drawbacks:
- Coverage only applies to Royal Caribbean trips
- Less flexibility and benefit customization
5. Disney Cruise Line Vacation Protection Plan
Best for Families and Disney Travelers
Tailored for Disney cruise guests, this plan offers basic protections and a CFAR benefit (as credit), ideal for family-friendly vacations.
Coverage Details:
| Benefit | Coverage Amount |
|---|---|
| Trip Cancellation/Interruption | 100% of trip cost |
| Emergency Medical Evacuation | Up to $30,000 |
| Baggage Loss/Damage | Up to $3,000 |
| Trip Delay | Covered |
| Cancel For Any Reason | Non-insurance credit toward future Disney cruise |
Optional Add-Ons:
- Not available; plan is fixed
Best For:
- Families traveling with Disney
- First-time cruisers wanting simple coverage
Drawbacks:
- Low medical coverage
- Only applicable to Disney Cruise Line bookings
6. Staysure Signature Plan (UK)
Best for UK Cruisers
Popular among older UK travelers, this policy offers cruise add-ons and is especially suited for European cruise itineraries.
Coverage Details:
| Benefit | Coverage Amount |
|---|---|
| Emergency Medical Expenses | Up to £1,500 (can vary by plan) |
| Trip Cancellation | Covered (amount varies by age & plan) |
| Trip Delay | Included |
| Missed Connections | Covered |
| Baggage Loss | Included |
Optional Add-Ons:
- Cruise-specific coverage (missed port, cabin confinement)
- Gadget protection
- Winter sports cover
Best For:
- UK residents over 50
- Cruisers focused on European and short-haul destinations
Drawbacks:
- Medical limits may feel low compared to US plans
- Limited for long-haul or global cruises
What is the best travel insurance for a cruise?
The best travel insurance for cruises in 2025 is Seven Corners Cruise Insurance.
It offers comprehensive coverage designed specifically for cruise travelers, including:
- Trip cancellation and interruption (100%–150% of trip cost)
- Medical coverage up to $250,000
- Evacuation coverage up to $500,000
- Missed connections and itinerary changes
You can also add CFAR (Cancel For Any Reason) for more flexibility. It’s ideal for travelers who want strong protection for any unexpected cruise issues.
What is the best travel insurance for cruises?
Besides Seven Corners, other top cruise travel insurance providers are:
- Tin Leg – Best for medical emergencies, offering up to $1 million in medical evacuation.
- Crum & Forster Travel Insured – A great balanced plan with good coverage for delays interruptions baggage loss and medical emergencies.
These providers offer solid protection for most cruise scenarios including delays trip cancellation missed ports and health issues onboard or during excursions.
What is the best travel insurance for European riverboat cruises?
For European river cruises (like on the Danube or Rhine) you need coverage that includes:
- Missed port coverage (if you skip a stop due to weather or delay)
- Trip interruption and medical evacuation
- Lost baggage and pre-existing medical condition waiver
Best options:
- For UK residents: Staysure Cruise Insurance – includes add-ons for cruise-specific needs.
- For U.S. travelers: Crum & Forster or Tin Leg – excellent for medical and interruption coverage.
Cruise insurance – what does it cover?
Cruise insurance covers a wide range of scenarios that are common on cruises, including:
- Trip cancellation/interruption due to illness bad weather or emergencies
- Medical emergencies onboard or at a foreign port
- Medical evacuation (very important if you’re far from land)
- Missed connections, flight delays or missed ports
- Lost or delayed baggage
- Itinerary changes due to mechanical or weather issues
Some plans offer Cancel For Any Reason (CFAR) or Interruption For Any Reason (IFAR) options for more flexibility.
How much is cruise insurance?
Cruise insurance typically costs between 5% and 10% of your total trip price.
For example:
- If your cruise costs $4,000, expect to pay $200–$400 for travel insurance.
- If you add CFAR, the premium may increase by 30%–50%.
Pricing depends on:
- Your age
- Destination
- Trip duration
- Coverage type (basic or with CFAR/add-ons)
Older travelers and longer or international cruises will cost more to insure.
Cruise insurance companies – which are the best?
Here are some of the best cruise insurance companies in 2025:
| Company | Best For |
|---|---|
| Seven Corners | All-round cruise coverage |
| Tin Leg | High medical and evacuation coverage |
| Crum & Forster | Balanced plans with pre-existing coverage |
| Allianz Travel | Well-known, with strong customer support |
| Travel Guard (AIG) | Flexible plans and CFAR add-on |
| Staysure (UK) | Best for UK seniors and river cruises |
These companies offer strong benefits like high medical limits CFAR options and cruise-specific protections like missed ports and delays.
Best cruise travel insurance?
Seven Corners Cruise Insurance stands out as the best overall because of its:
- Comprehensive coverage for trip cancelation delays interruptions
- Cruise-specific protections for missed ports and itinerary changes
- High medical and evacuation limits
- Option to add Cancel For Any Reason (CFAR)
If you want full protection and peace of mind this is a top choice for 2025 cruise travelers.
Best cruise insurance for seniors?
Seniors have specific needs like:
- High medical coverage
- Emergency evacuation
- Coverage for pre-existing conditions
Best options for seniors:
- Tin Leg – Excellent for older travelers with strong medical and evacuation benefits.
- Staysure (UK) – Great for UK residents over 50 especially those going on European river cruises.
- Travel Guard – Offers senior-friendly plans and pre-existing condition waivers if you purchase early
Final Tips for Choosing Cruise Insurance
Before you buy, keep these tips in mind:
Buy Early – Within 14–21 days of your first payment to access CFAR and pre-existing condition waivers
Check Policy Exclusions – Some plans exclude pandemics war zones or weather-related delays
Compare CFAR vs. Standard Coverage – CFAR adds flexibility but increases cost
Use Aggregator Tools – Websites like Squaremouth or InsureMyTrip allow side-by-side plan comparisons
Ask About Reimbursement Type – Some CFAR benefits are cash others are future cruise credits
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