Best Travel Insurance for Cruises in 2025
Taking a cruise remains one of the most popular vacation options for travelers around the world. This is highlighted by a recent from the Cruise Line Industry Association shows two-thirds of all travelers would consider taking a cruise in the near future. Cruise insurance policies sold on Squaremouth also saw a 35% spike in 2024 compared to the previous year.
Given the amount of options available on the market, finding the best cruise insurance policy for your next high seas adventure can be overwhelming. Luckily, the cruise insurance experts at Squaremouth have ranked the best travel insurance companies for cruises based on several factors, including popularity, price, and customer satisfaction.
What is Cruise Insurance?
Cruise insurance is a specialized type of travel insurance designed to provide coverage for travelers going on a cruise vacation. It offers travel protection against various risks and potential issues that are specific to cruise vacations, such as emergency evacuations from a ship and coverage if you miss your cruise’s departure.
The majority of cruisers purchase comprehensive coverage. This refers to policies that include extensive coverage for last-minute cancellations and a wide-range of other unexpected cruise-related travel disruptions.
Due to the growing demand, many reputable travel insurance providers now offer plans specifically for cruises. These policies are often less expensive and offer greater coverage than policies offered by major cruise lines.
Follow along as we highlight a few of the top third-party travel insurance companies for cruises in 2025.
Best Travel Insurance for Cruises for 2025
- Best Overall Cruise Insurance
- Most Affordable Cruise Insurance
- Best Cruise-Specific Travel Insurance Benefits
- Best Cruise Insurance for Seniors
- Best Cruise Insurance for Families
- Best Overall Cruise Insurance
- Trawick International
- 100% Trip Cancellation coverage
- Early purchase benefits include Travel Provider Financial Default and Pre-Existing Condition Waiver
- Trip Delay covered after 6 hours
Year over year, Trawick International plans continually rank among the most popular cruise insurance plans. With an average premium of around $285, many of their plans offer generous coverage limits such as 100% Trip Cancellation coverage and Trip Delay benefits that kick in if your trip is delayed at least six hours. Early purchase benefits include Pre-Existing Condition Waivers and Travel Provider Financial Default.
- Tin Leg
- Most plans include Primary Emergency Medical with no deductible
- Most plans include 24 Hour AD&D coverage
- Most plans offer Cancel for Work Reasons coverage as an early-purchase benefit (where available)
One of the reasons Tin Leg ranks high among the best travel insurance for cruises is because of the medical insurance coverage it provides, offering high reimbursement limits for unforeseen injuries, illnesses, and medical evacuations while at sea. Some plans also include the Cancel for Work Reasons benefit, which can reimburse your travel expenses if you are forced to cancel due to revoked vacation time.
- Seven Corners
- Optional coverage includes Cancel for Any Reason and Interruption for Any Reason
- Employment Layoff coverage applies if employed for 1 continuous year (after 30-day wait period)
- Travel Delay and Baggage Delay covered after 6 hour delay
With multiple add-ons and policy upgrades available, cruisers rank Seven Corners highly for the customization they provide. Alongside Trip Cancellation and Trip Interruption coverage, travelers can add CFAR and Trip Interruption for Any Reason benefits to their policy. These options can help travelers recover a part of their non-refundable trip costs if they decide not to travel or wish to return home early for reasons not already covered by their policy.
- Most Affordable Travel Insurance for Cruises
- Global Underwriters
- Offers up to $50,000 in Emergency Medical coverage
- Includes coverage for Travel Delay and Baggage & Personal Item Loss
- Home Country Coverage optional
With an average premium around $114, Global Underwriters offers some of the most affordable cruise travel insurance plans on the market. Their policies are designed to cover U.S. residents heading abroad, with up to $50,000 of Emergency Medical coverage and optional Home Country Coverage. Travel delays are also covered under this plan, making it a top choice for cruisers looking for peace of mind that doesn’t break the bank.
- GeoBlue
- Policies offer up to $1 million in Emergency Medical coverage
- Up to $500,000 in Emergency Medical Evacuation coverage
- Cancel for Medical Reasons included in Trip Interruption
GeoBlue remains one of the best cruise insurance plans for travelers who are primarily concerned about overseas medical care expenses. At an average premium of $176, GeoBlue plans offer up to $1 million in Emergency Medical coverage, with deductibles as low as $100. Most plans also include up to $500,000 in Emergency Medical Evacuation coverage. Unlike most providers in this price point, GeoBlue also offers benefits for Trip Interruption, Baggage Delay, and Baggage Loss.
- Travel Insured International
- Inclusive plans with Travel, Medical, and Baggage Protection
- Offers benefit upgrades including CFAR and Medical Expense Upgrade
- Family-friendly plans include Kids are Free coverage
Travel Insured International ranks on our list of best travel insurance for cruises with full-service benefits at a lower price. At the average premium of $328, this provider has the most affordable comprehensive cruise insurance plan. Travelers who purchase their plan within 14 days of their first deposit can also qualify for a Pre-Existing Medical Condition Waiver and additional cancellation benefits.
- Best Cruise-Specific Travel Insurance Benefits
- Seven Corners
- Airfare change fee benefits if a covered situation forces you to change your flight
- Missed Connection benefits take effect after a 3 hour delay
- Travel Delay benefits start at up to $250 per person, with a limit of up to $100 per day
Not only does Seven Corners offer some of the most flexible travel insurance plans for cruises, but they also have some of the best benefits specifically built for the open seas. The Round Trip Economy and Round Trip Elite plans offer an air only change fee benefit, covering up to $75 if you are forced to switch flights for your trip, while the Round Trip Choice plan offers limited coverage for cancellations and interruptions.
- TravelSafe
- Itinerary change benefits in case a travel supplier makes changes to your trip which force you to miss a prepaid activity or shore excursion
- Missed Connection coverage starts at up to $2,500 per person, taking effect after a 3 hour delay
- Financial Default and Employment Layoff are covered after a 14-day wait period
Itinerary changes can happen on any trip for any reason, ranging from inclement weather to an unexpected mechanical breakdown. TravelSafe has specific benefits for those unforeseen circumstances, ranking them highly among cruisers. The Classic and Classic Plus plans offer up to $250 in itinerary change coverage, allowing travelers to recover some of their prepaid activity costs if a travel supplier disruption forces them to miss a scheduled event.
- Trawick International
- Itinerary change benefits if a travel supplier makes changes to your trip resulting in a missed prepaid activity or shore excursion
- Travel Delay and Baggage Delay are covered after a 12 hour delay
- No limit on maximum number of cruises for Safe Travels Annual plans
Trawick International consistently ranks among the best travel insurance for cruises for their dedication to the traveler. In addition to all of their other coverage options, the Safe Travels Annual Deluxe and Safe Travels Annual Executive also offer an itinerary change benefit. If a travel provider makes a shift which forces a cruiser to miss a prepaid activity or shore excursion and does not reschedule it for later, these plans may offer up to $300 in coverage per trip. To qualify, the cruise line or travel supplier must provide verification.
- Best Cruise Insurance for Seniors
- Trawick International
- Medical Evacuation & Repatriation Coverage starts up to $500,000
- Cancel for Medical Reasons included in Trip Cancellation and Trip Interruption
- Missed Connections for cruises covered after a 3 hour delay
Health concerns can affect older travelers at any time, which is why Trawick International ranks as one of the best cruise travel insurance options for seniors. Missed Connection coverage begins after a three hour delay, which may help cruisers if they don’t get to their departure port in time. If a doctor orders a medical evacuation, Trawick International plans offer Medical Evacuation & Repatriation coverage starting at up to $500,000. Cancel for Medical Reasons is listed as a covered reason under both Trip Cancellation and Trip Interruption, allowing seniors to recover non-refundable costs if an unexpected medical issue forces their travel plans to change.
- Seven Corners
- Medical Evacuation & Repatriation Coverage starts up to $250,000
- Cancel for Medical Reasons included in Trip Cancellation and Trip Interruption
- Optional coverage includes Cancel for Any Reason and Interruption for Any Reason
Seven Corners is among the best cruise travel insurance for seniors because of the many add-on options available. Early purchase benefits include Cancel for Any Reason or Interruption for Any Reason options. In addition, Cancel for Medical Reasons is covered by both Trip Cancellation and Trip Interruption. If a senior needs to be airlifted from their cruise due to an emergency illness or injury, Seven Corners plans offer Medical Evacuation and Repatriation Coverage starting at up to $250,000.
- Tin Leg
- Medical Evacuation & Repatriation Coverage starts up to $250,000
- Pre-Existing Condition Waiver available on most plans as an early purchase benefit
- Optional coverage includes CFAR and enhanced AD&D coverage
Tin Leg is popular among senior cruisers due to the number of plans available that feature strong benefits. Medical Evacuation & Repatriation benefits start at $250,000, and Pre-Existing Condition Waivers are available on most plans as an early purchase benefit. And if you’re unsure about taking that trip, CFAR coverage can be added to most plans for extra cancellation flexibility and peace of mind.
- Best Cruise Insurance for Families
- Trawick International
- Emergency Medical coverage starts up to $150,000 per person
- Coverage may extend until all covered family members are fit to travel
- Optional add-ons include Rental Car Damage coverage and CFAR
When it comes to family cruises, Trawick International is a solid choice for travel protection. In addition to Emergency Medical coverage starting at $150,000 maximum per person, families can add additional coverages for their extended vacation. Options include Rental Car Damage coverage and CFAR. Plan benefits may also be extended until everyone is able to return home, making it easier to keep the family together.
- Travel Insured International
- Cancel for Medical Reasons covered under Trip Cancellation and Trip Interruption
- All plans include Primary Medical Coverage
- Pre-Existing Condition Waiver available for all plans
Because family travel is often unpredictable, Travel Insured International offers a wide range of benefits, making them one of the best travel insurance options for those taking a cruise with little ones. All plans include Primary Medical Coverage for everyone on the policy, with Trip Cancellation and Trip Interruption also covering medical-related cancellations. Pre-Existing Condition Waivers are also available as an early purchase benefit.
- Tin Leg
- Cancel for Medical Reasons included in Trip Cancellation and Trip Interruption
- Medical Evacuation and Repatriation coverage begins at $200,000 maximum
- Pre-Existing Condition Waivers available on most plans
Tin Leg plans rank in the best cruise insurance for families because of their wide range of plans. No matter which plan your family chooses, Medical Evacuation and Repatriation coverage begins at a maximum of $250,000. Cancel for Medical Reasons is also seen as a covered reason under most Trip Cancellation and Trip Interruption benefits.
How Much Does Cruise Insurance Cost?
In 2025, the average cost of a cruise insurance policy is roughly $710.
The cost of cruise insurance can vary depending on several factors, including your age, cruise length, destination, coverage limits, and the type of coverage you choose.
On average, comprehensive cruise insurance typically ranges from 5% to 10% of your total trip cost. However, you can opt to forego cancellation coverage in exchange for cheaper premiums.
The average premium for medical-only cruise insurance plans in 2025 cost roughly $150.
What Benefits Does the Best Travel Insurance for Cruises Include?
Every traveler’s insurance needs are different. Because cruises embark to remote places, travelers aboard face the potential for higher-than-normal expenses. That’s why it’s important to understand how travel insurance covers you away from home.
If you’re buying travel insurance for a cruise outside the USA, we recommend finding a policy that includes the following benefits:
- Emergency Medical Coverage: If you experience a medical emergency at sea or in a foreign country, cruise insurance can cover the cost of medical care, doctor visits, and other expenses. This coverage is crucial since most domestic health insurance plans, such as Medicare, don’t provide coverage abroad. We recommend having at least $100,000 in Emergency Medical coverage for cruises. Exclusions apply.
- Medical Evacuation: In the event of a true medical emergency, a doctor may order you to evacuate on an air ambulance for more adequate treatment. Due to the high cost of an evacuation, we recommend travelers carry $250,000 in Medical Evacuation coverage.
- Trip Cancellation: Comprehensive trip insurance plans can provide reimbursement for your prepaid, non-refundable travel expenses in the event you’re forced to cancel your cruise for a covered reason.
- Trip Interruption: Emergencies at home can happen when you are on vacation. Trip Interruption benefits can help you cover the costs of returning home early for a covered reason. Most plans offer coverage between 100% and 150% of the insured trip cost.
- Missed Connection: Airline and railway delays can happen at any time, causing travelers to miss their ship’s departure time. Missed Connection coverage can help cruisers pay for the costs to reconnect with the ship, up to the plan maximum.
- Hurricane & Weather: If a cruise is significantly delayed or canceled due to severe weather, Hurricane & Weather coverage can help you recover non-refundable costs and pay for a return trip home. In order for this benefit to cover a trip, you must purchase their insurance plan before a storm is named and meet a minimum delay requirement.
- Baggage Delay: Luggage can get lost anytime it’s checked, whether it is on an airplane or aboard a cruise ship. Baggage Delay benefits may help you pay for emergency replacement items, including clothes and personal items, if your bags are lost for an extended period of time.
- Cancel for Any Reason: Not sure your family can make the cruise? Cancel for Any Reason benefits help you recover a portion of your non-refundable costs if you decide not to go, regardless of the reasons why.
- 24 Hour Emergency Assistance: All travel insurance companies listed on Squaremouth offer 24/7 travel assistance to help policyholders navigate emergency situations while away from home.
When Should You Purchase Cruise Insurance?
The best time to purchase travel insurance for a cruise is right after making your initial trip deposit. For most travelers, this will likely be a flight ticket, cruise booking, or hotel reservation.
Purchasing a policy directly after booking guarantees you the longest coverage period, and can help you qualify for time-sensitive travel insurance benefits your provider may offer.
Does Credit Card Insurance Cover Cruises?
In short, yes. Some travel credit cards can provide financial protection for cruise bookings made using the card in question. In addition, credit cards that offer trip insurance benefits may also cover delays, personal items, and missed connections.
With that in mind, credit card travel protection is not a substitute for travel insurance. This is mostly due to the fact that the majority of travel credit cards do not cover medical emergencies or evacuations.
Due to the importance of medical coverage while cruising, it’s strongly recommended to travel insurance even if you have existing perks through a credit card.
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