Do I need Travel Insurance with my cruise?

1 min. readlast update: 06.17.2025

Travel insurance on a cruise is a type of protection plan that helps safeguard your vacation investment by covering unexpected expenses or disruptions before and during your cruise. It typically includes trip cancellation, medical coverage, lost luggage, and emergency evacuation, among other benefits.

🛳️ Why It’s Important for Cruises

  • Cruises are often paid in full months in advance

  • Ships may depart without you if you miss embarkation

  • Medical emergencies at sea or in a foreign country can be costly

  • Travel insurance adds peace of mind for unpredictable events like:

    • Flight delays

    • Sudden illness

    • Lost luggage

    • Family emergencies

In Summary:

Question Answer
What is cruise travel insurance? A policy that protects you against unexpected trip issues
Is it required? ❌ No — but highly recommended
What does it cover? Cancellation, medical, evacuation, baggage, delays

Pro tip: You can buy insurance through the cruise line or a third-party provider, such as Travel Insured International.  Third-party policies often provide more comprehensive coverage and flexibility—especially for medical and emergency evacuation.

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