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Cruise Travel Insurance


Cruise Travel Insurance

When that long awaited holiday cruise of a lifetime has finally come around, it is one of the best feelings in the world. You are about to embark on one of the most thrilling of holiday ventures, visiting a number of different countries in one dedicated period of time, whilst relaxing on a huge floating resort. Truly the ultimate combination of excitement and relaxation. As we get older however, we need to be mindful of the increase in medical problems than arise and how neglecting to arrange sufficient insurance cover for our ailments and medical conditions could potentially ruin an otherwise incredible experience. Purchase of a quality medical travel insurance product is a vital consideration for your pre-cruise ‘to do’ list and once you have the peace of mind that you have every eventuality covered, you are guaranteed to have a more relaxed and pleasurable time.

When sourcing your ‘Single Trip’ insurance cover, it might actually make sense to compare the prices of an Annual Multi Trip Insurance in order to save money should you wish to take an additional holiday within the same 12 month period. For both Elect and Insure for Travel brands, we offer comprehensive cover with a minimum of 31 days for any person travelling over a 12 month period. The maximum duration of cover available is 45 days for persons up to age 69, on our Insure for Travel brand.

What does our cruise travel insurance provide?

Both, our Insure for Travel and Elect travel insurance brands cover cruise travel insurance up to the maximum cancellation amount per passenger. All cruises must be booked via a bonifide travel agent or tour operator.

What You Are Covered For:, Up to the amount shown on the schedule of benefits for necessary hotel and travelling expenses incurred in reaching your booked destination, if the car you are travelling in breaks down or is involved in an accident or the public transport being used is delayed, resulting in you arriving too late to commence your booked journey from or to your home country."

Definition of what is classed as public transport

Any fare paying passenger on the following regular scheduled forms of transport: Train, Coach, Taxi, Bus, Aircraft and Sea Vessel. Just as interconnecting flights are therefore not covered (as they do not adhere to the conditions for cover for Missed Departure extending only to travel from or to the UK), cruises would also fall within this.

So, if you leave the UK but arrive late to catch your cruise you would not be covered for Missed Departure. However, if a cruise arrives back at the main departure point late (for the your departure back to the UK), then this would be covered as it meets the criteria (the public transport being used is delayed, resulting in you arriving too late to commence your booked journey from or to your home country).

With Elect insurance as with Insure for Travel above, cover for missed departure is only from the main international departure point from the UK, and the final return journey back to the UK:

What You Are Covered For: The Insurer will indemnify you up to the amount shown in the Schedule of Benefits, in respect of reasonable additional costs of travel and accommodation necessarily incurred if you are unable to reach the international point of departure of the booked travel itinerary on the initial outward journey or the final return journey to or from your home country only, as a consequence of the failure of public transport services or the accident/breakdown of a motor vehicle in which you are travelling.

Some cruise policies with regards to missed departure when booking a flight, should flight delay cause you to miss the boat, will cover you to the embarkation port as part of your holiday package , but check your policy as many will exclude this scenario. You will also have cover for Delayed departure due to adverse weather or technical problems.

You will also have cover for repatriation to a local hospital from a ship - In the event of a someone having a medical incident on aboard a cruise, the individual will be offloaded to the nearest medical facility at the earliest opportunity. It is at this point that the customer or relative should contact our Medical Assistance Company. With technology these days it very rare that contact cannot be made and until such time as they dock assistance and the insured really are in the hands of the ship’s doctor and their team. In serious cases arrangements will normally be made by the ships staff to off load the patient at their next port of call. If assistance can be involved in this we will be.

Don’t forget to declare any pre-existing medical condition

when you buy cruise travel insurance

Medical travel insurance cover is important, particularly in relation to long awaited Caribbean cruise, where it is not uncommon for any poorly passengers to be transferred ashore for medical care, subsequently can require further onwards transportation to a larger, better equipped facility. As a result of higher medical costs due to transportation and accommodation costs, it is essential to have a quality travel insurance covering those medical conditions you never though would cause any issuers. As you may appreciate the costs of an airlift can reach into thousands so don’t leave home without this essential cruise insurance which will be a fraction of the cost that you would need to pay as a result of a pre-existing medical condition flaring up.

Please do not hesitate to contact us on the following number 01903 209903 or email us on and we will do our utmost to help you in any way we can. Our offices are open Monday to Friday 9am to 5pm and we also answer emails over the weekend period.

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