Cruise Travel Insurance Option
Have you already booked your cruise holiday this year? Then it makes sense to look for travel insurance for a cruise holiday. However, are you wondering do you need special travel insurance for a cruise trip?
The short answer to this question is a no from us, as here at Voyager Plus Travel Insurance offers an optional policy add on for cruise cover. So, if you are indeed going on a cruise, you will just need to select 'Cruise Insurance' when purchasing your policy to include cover for cruise specific events.
To ensure you choose the cover level that best suits your needs and requirements - please review the information and levels of cover below before selecting one. For example, consider what the cost of your cruise is and whether there is ample Cancellation cover to be able to protect you should your cruise be cancelled unexpectedly.
What’s more, our Cruise Travel Insurance option is not only available to add to your single trip policies, you can also add this policy option to your annual multi-trip travel insurance policy. So, should you be looking for single trip travel insurance for an one-off cruise holiday or annual Travel Insurance including cruise cover, if you are going on multiple trips you can find it here all in one place.
| Policy Options Benefits Schedule £/€ | Level of Cover | Level of Cover | Level of Cover | Level of Cover | ||||
| Section of Cover | Standard | Excess | Enhanced | Excess | Prime | Excess | Supreme | Excess |
|
Section 22. Cruise Plus Insurance 22.1 Re-join your Cruise Cover 22.2 Missed Port Departure 22.3 Cabin/Stateroom Confinement 22.4 Itinerary Change 22.5 Unused Excursions 22.6 Cruise Interruption |
500 1,000 1,000 500 500 1,000 |
75 Nil Nil Nil 75 Nil |
500 1,000 1,000 500 500 1,000 |
50 Nil Nil Nil 50 Nil |
500 1,000 1,000 500 500 1,000 |
25 Nil Nil Nil 25 Nil |
||
What Does Cruise Travel Insurance Cover Include?
Cruise holidays differ in many ways from a traditional holiday. The first and most obvious difference is that you will be spending the best part of your trip on a cruise ship! What’s more is that many cruise operators make it a condition of your trip to have some form of cruise holiday insurance in place (check this before you go).
For these reasons alone, some normal Travel Insurance policies are not suitable for this type of trip as they will not provide cover for aspects specific to your cruise and some policies will even exclude cruise holidays as standard. Therefore, it’s a good idea to plan your cruise holiday like a tightly run ship and get Travel Insurance with Cruise Insurance for additional cover such as Missed Port Departure, Cabin/Stateroom Confinement or Unused Excursion cover so that you are not left in deep water financially.
| What's Covered |
Standard |
Enhanced |
Prime |
Supreme £/€ |
||||
| Section of Cover | Up to | Excess | Up to | Excess | Up to | Excess | Up to | Excess |
| (Section 18: Cruise Insurance) | ||||||||
| - 18.1 Re-join your Cruise Cover up to | 500 | 150 | 500 | 100 | 500 | 75 | 500 | 50 |
| - 18.2 Missed Port Departure up to | 1,000 | Nil | 1,000 | Nil | 1,000 | Nil | 1,000 | Nil |
| - 18.3 Cabin/Stateroom Confinement (per 24 hour period) | 1,000 (100) | Nil | 1,000 (100) | Nil | 1,000 (100) | Nil | 1,000 (100) | Nil |
| - 18.4 Itinerary Change up to (per port) | 500 (100) | Nil | 500 (100) | Nil | 500 (100) | Nil | 500 (100) | Nil |
| - 18.5 Unused Excursions up to | 500 | 150 | 500 | 100 | 500 | 75 | 500 | 50 |
| - 18.6 Cruise Interruption up to | 1,000 | Nil | 1,000 | Nil | 1,000 | Nil | 1,000 | Nil |
Cruise Travel Insurance Option Explained
The table above is only a summary of cover. The sections of “Cruise Insurance” are explained in more detail below. However, you should always refer to the policy wording for full Travel Insurance cruise cover terms, conditions and exclusions.
Re-join your Cruise Cover
For travel or accommodation expenses to re-join your cruise at the next docking port or to the destination of your cruise following your temporary illness or injury that requires hospital treatment on land.
Missed Port Departure Cover
For travel and accommodation expenses to join your cruise at the next docking port if you miss the initial departure journey because of the failure of public transport, an accident or breakdown involving the vehicle you are travelling or ahead of you on a motorway or dual carriageway. It also covers strike or industrial action or adverse weather conditions.
Cabin/Stateroom Confinement Cover
For each 24-hour period that you are confined by the ships medical officer, to your cabin or stateroom due to your compulsory quarantine, or for medical reasons.
Itinerary Change Cover
For each missed port in the event your scheduled port visit is cancelled due to adverse weather or timetable changes.
Unused Excursions Cover
For the cost of pre-booked, pre-paid and non-refundable excursions, which you were unable to use because you were in hospital or were confined to your cabin.
Cruise Interruption Cover
For travel and accommodation expenses to re-join your cruise as the next docking port or to reach the final destination of your cruise due to your passport being lost or stolen, you having to accompany an insured person who is admitted to hospital or because you have been detained by local police as a result of being a witness or your involvement in a road traffic accident or criminal investigation where you are not the accused.
Cruise Insurance Option is available on our Short Stay, Annual Multi-trip and Long-Stay Travel Insurance.
