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If you’re planning to see the world on a cruise holiday, adding cruise cover to your policy means you’ll have extra protection on your dream trip. Some insurers need specialist cruise cover added so they can cover you if you need help. The right cover can give you peace of mind when you’re sailing the high seas.
So whether you’re heading to the shores of the Caribbean, exploring Norwegian Fjords or a trip around the Mediterranean, you know you’ll be covered if things don’t go to plan.
As well as everything you’d expect from your travel insurance policy, cruise insurance can include cover for things like:
Some common claims that can’t be covered include:
Check your policy documents before you leave, so you know what you will and won’t be covered for.
When you go on a cruise, you’ll need to make sure you have enough cover for your holiday. This includes checking:
Some cruise lines might ask you to have a travel policy with at least £2m cover for medical and repatriation. So make sure you check your cover limits carefully before you book.
If you already have an annual multi-trip policy, it’s a good idea to check the countries your cruise will be stopping at. If it stops at a country outside the geographical area you’re covered for, then you should get in touch to change your policy before you leave. You would also need to make sure your annual policy includes cruise cover.
Annual policies will also usually have limits on how long each trip can be, so it’s important to check that you’ll be covered for your whole cruise.
New policies will cover you for emergency medical treatment for Covid-19 while you are away, as long as, before the trip begins, the Foreign Office (FCDO) has not advised against all but essential travel to your intended destination.
If the Foreign Office (FCDO) has advised against all but essential travel to your destination, you will only be covered if you select a product with the FCDO advice extension (Europe only).
Currently the Foreign Office (FCDO) advises against travel to certain destinations. Please see gov.uk/foreign-travel-advice for full details.
Before you buy a policy, it’s important to understand what you’re covered for and what you’re not.
Cancellation cover is designed to pay back any pre-paid expenses that would be lost if you’re forced to cancel your holiday before you travel.
It’s important to make sure that you choose a policy with enough cancellation cover for the costs you would need to claim for.
Travel insurance is designed to pay the costs for a medical emergency while you’re on holiday. You may have to pay an excess contribution to the total costs or you can choose a ‘nil excess’ option if you wish.
Some policies will cover emergency dental treatment if it’s for the immediate relief of pain.
All policies will pay to bring you back to the UK when this is recommended.
Treatment in a private hospital or clinic abroad is not usually covered if a suitable public or state facility is available.
PayingTooMuch meets the eligibility requirements for inclusion on the Money Helper travel insurance directory, which the FCA has confirmed meets its criteria for a 'medical cover firm directory'. The Money Helper customer contact centre freephone number is 0800 138 7777.
Taking out travel insurance as soon as you book your trip means you’ll be covered for cancellations before you head off on holiday.
Some cruise lines will ask that your travel policy has a good level of cover, and will check documents before you board. So comparing your options in advance means you’ll feel prepared for your trip.
EHIC/GHICs won’t cover medical treatment when you’re on a cruise ship, even if you’re at port.
If you’re travelling to one of the 39 countries with state healthcare, and you need medical treatment on land, then your GHIC or EHIC could help with treatment costs. So it’s a good idea to pack your card if you’re going on a European cruise.
But an EHIC/GHIC isn’t a replacement for cruise travel insurance, as it won’t cover the costs of getting home in an emergency, or things like lost luggage or passports.
Most cruise operators will still ask that you have travel insurance even if your cruise is in the UK. This is because your policy will help cover the costs if you need to be airlifted off the ship and any medical expenses on board.
You can still get cruise travel insurance when you have a medical condition, but it’s important to tell your insurers about your condition when you take out your policy. Your claim could be rejected if you have a medical emergency related to a condition you have not told your insurer about.
Let us know if you've had symptoms, treatment, or undergone tests for any medical condition in the past two years.
You’ll also need to tell us if you’ve ever been treated for, or had investigations for:
- High blood pressure, raised cholesterol, blood clots, aneurysm or any circulatory disease
- Heart attack, angina, chest pain(s) or any other heart condition
- Any form of stroke, transient ischemic attack (mini-stroke) or brain haemorrhage
Your cruise policy will also cover you for river cruises. This can help with the cost of claiming against lost baggage or personal items as well as medical expenses. It will also mean you’ll be covered before you go in case you have to cancel your trip due to illness.
Many insurance providers have no upper age limits for policies. So you can add cruise cover to your over 80s travel insurance to enjoy your golden years on the trip of a lifetime.