Navigating Wave Season and Cruise Insurance

Why Should I Consider a Cruise Vacation?

Three reasons: Value, convenience, and variety.

The pandemic brought cruising to a standstill, but cruise vacations are back and have reached an all-time high in popularity.

In a survey of more than 7,500 Squaremouth customers, 34% of travelers plan a cruise in 2025. At Squaremouth, we’ve seen sales increase by nearly 35% for cruise insurance policies from 2023, with travelers spending 36% more on cruise vacations.

By the end of 2024, a whopping 35.7 million people are expected to set sail on a cruise, according to the Cruise Lines International Association (CLIA), and the number is only expected to grow. And the momentum isn’t slowing down. CLIA predicts the cruise industry will grow to nearly 40 million passengers by 2027.

With cruise bookings soaring past pre-pandemic levels, particularly with destinations like Europe, Alaska, and the Caribbean topping the charts, this is your best chance to explore, enjoy, and get a great deal.

Why are cruises surging in popularity?

Beyond the value for the money, modern ships are floating resorts, complete with spas, gourmet dining prepared by some of the best chefs from around the world, and some of the most thrilling and unique adventure activities, not to mention the opportunity for excursions allowing you to adventure and relax all in the same day.

Also, there are more protections in place for travelers — from the State Department to cruising companies, like Norwegian Cruise Line, offering insurance.

How to Score the Best Deals

Deals are often better when cruise lines compete for your attention early in the season. The earlier you book, the better your chances of scoring that coveted ocean-view cabin or a free drink package, even taking your kids for free!

Take a look at a few of the deals available from some of the most popular cruise lines:

• Royal Caribbean: Think free Wi-Fi, onboard credits, and family discounts, with nearly 300 destinations.
• Carnival Cruise Line: Affordable fares (under $500!) and promotions for popular Caribbean itineraries.
• Norwegian Cruise Line: Free perks, such as dining packages, airfare discounts, and extra guests sailing for free, are available.
• Celebrity Cruises: Look out for luxury upgrades and all-inclusive bundles, particularly on their newest ship, Celebrity Apex.
• Even smaller or niche cruise lines, like river cruise operators or expedition companies, often join the party.

Set Sail Safely During Wave Season with Cruise Insurance

Sometimes life happens, but travel insurance can help give peace of mind and financial protection from the unexpected. Whether it’s a family emergency, sudden illness, or work crisis, cruise insurance has your back, providing comprehensive protection for your trip. This includes coverage for non-refundable costs like your cabin and pre-booked excursions, benefits to cover medical expenses or evacuations since your domestic health insurance won’t travel with you, and reimbursement in the event of delays or lost luggage.

Think of it as a life preserver for your wallet when the unpredictable strikes. There are many options to choose from, but the best plan is the one that meets your specific needs. Here are some tips on finding the best quote for your trip and a few tips about what to look for before you set sail and during your cruise.

Before You Set Sail:

• Select a Comprehensive Cruise Insurance Plan: Search for a plan with comprehensive benefits, including cancellation coverage for all of your trip expenses, emergency medical coverage in case you need treatment during the cruise, and travel delay coverage.
• Identify Key Cruise-Specific Benefits: The best cruise insurance plans include coverage for hurricanes and severe weather events, missed connections, and changes in itinerary.
• Understand Coverage for Pre-Existing Conditions: Look for a plan with a waiver for pre-existing conditions and purchase it within the specified window (usually 7-21 days after your initial trip deposit).
• Verify Your Cruise Line's Insurance Offerings: Some cruise lines offer insurance but may not include key benefits like emergency medical evacuation. Compare these to third-party plans to ensure you're fully covered.
• Consider Add-Ons for Extra Protection: Add-ons like Cancel For Any Reason (CFAR) or higher medical coverage limits may be worth the extra cost for their flexibility.
• Pack Smart for Medical Emergencies: Don't forget a small first-aid kit with essentials like motion sickness tablets, pain relievers, and bandages to handle minor issues onboard.
• Double-Check Your Itinerary: Verify details like port stops, departure times, and excursions to ensure any coverage for cancellations or interruptions aligns with your travel plans.

While At Sea:

• Document, Document, Document: Keep all your receipts, invoices, or other proof of purchase for your excursions, airfare, rental cars, food, and more, so if you need to file a claim, it'll be smooth sailing.
• Use Your Cruise Line's App for Alerts: Many cruise lines have apps that provide real-time updates, allowing you to stay informed about itinerary changes, weather alerts, or onboard events.
• Save Important Local Contact Info: Note your travel insurance provider's emergency contact number and the local emergency numbers in case you need assistance.
• Protect Your Belongings: Secure valuables in a cabin safe, and consider travel insurance with baggage loss coverage to safeguard against theft or loss during your trip.
• Stay Hydrated and Healthy: Seasickness and dehydration can spoil your fun. If you feel unwell, stay hydrated, eat light meals, and spend time on deck for fresh air.