No matter your age or health, cruising without travel insurance is a major risk. For years, I assumed my regular health insurance had me covered—even while participating in adventurous excursions. I never thought twice about it.

It wasn’t until I became a frequent cruiser and saw firsthand how often medical emergencies occur on board that I realized the potential financial burden of traveling uninsured. Shipboard medical care is expensive, and unexpected situations can happen to anyone.

Like many travelers, I found insurance confusing at first, which kept me from purchasing a policy. After extensive research, I opted for an annual plan with Allianz, covering my family for all our trips and cruises. Over the past five years, this plan has proved invaluable, especially when I had to file claims—including one when I caught the flu on a cruise.

This page is here to help fellow cruisers navigate the world of travel insurance and make informed decisions.

💡 Important Note: While I am an independent travel agent authorized to sell insurance, I am not a licensed insurance agent and do not provide insurance advice. Travel insurance options presented here are offered through Allianz.

Would you like me to refine or adjust any details? Let me know!

1. Why do I need travel insurance for a cruise?

Cruises involve multiple destinations, international waters, and strict cancellation policies. Travel insurance helps protect against unexpected costs like cancellations, medical emergencies, and missed connections.

2. Does my regular health insurance cover me on a cruise?

Many health insurance plans don’t cover medical treatment outside your home country or onboard a cruise ship. Travel insurance ensures coverage for medical care, evacuations, and emergencies.

3. What happens if I get sick or injured on the cruise?

Cruise ship medical care can be expensive, and emergency evacuations can cost tens of thousands. Travel insurance covers onboard medical treatment and evacuation costs.

4. Can travel insurance help if I miss my cruise due to flight delays?

Yes! If a flight delay causes you to miss embarkation, travel insurance can help cover the cost of rejoining the cruise at the next port.

5. What if my luggage is lost or delayed?

Cruises require multiple transfers, increasing the chance of lost or delayed luggage. Travel insurance can reimburse you for essentials and replacements.

6. Does travel insurance cover bad weather disruptions?

Hurricanes and severe weather can cause delays or cancellations. Travel insurance helps cover expenses related to unexpected itinerary changes.

7. Is travel insurance expensive?

The cost depends on the coverage, trip length, and traveler’s age. However, the peace of mind and financial protection make it a worthwhile investment.

Disclaimer: I am an Independent Travel Agent with Cornerstone, but I am not a licensed insurance agent and do not provide insurance advice. The travel insurance options provided are offered through Allianz. For detailed policy information, coverage options, and exclusions, please contact the insurance provider directly.