Cruise travel insurance

As long as you’ve declared that you are going on a cruise and covered all your pre-existing conditions on your travel insurance policy, you’ll be covered for medical emergencies — even if they’re related to your conditions.

In certain situations, you can be covered for health outbreaks on cruises if you have optional Cruise Plus Cover.

For example, if you are confined to your cabin by the ships medical officer due to a medical condition during your trip, we will pay up to £75 for every full 24hours you are confined, up to a total of £1000. We will also pay up to £500 for pre-paid excursions you can’t use as a result of your confinement.

It’s important to understand how viruses, food poisoning and other health outbreaks could affect your cruise. Check your policy documents for more information and take a look at our COVID Travel Insurance to learn more.

You can get annual travel insurance with cruise cover. Simply tell us you’re going on a cruise and check cruise cover is included on your policy documents.

This will cover you for up to 183 days of cruise and non-cruise holidays in 12 months. Just make sure each trip you’re going on is no more than 50 days long if you’re aged 70 and below, you can add the 100 day upgrade to cover for 1 trip up to 100 days. If you are aged 71 and over your trip limit is 35 days.

You’ll need to declare and cover any pre-existing conditions when you take out your policy. We’ll ask you about symptoms, medication, appointments and investigations within the last two years. We’ll also need to know if you’ve had any of the following:

• Cardiovascular or circulatory condition, e.g. heart condition
• Hypertension (high blood pressure)
• Blood clots
• Raised cholesterol
• Stroke
• Aneurysm

To add Cruise Plus Cover to your policy, choose a Comprehensive Single Trip or Signature policy and choose Cruise Plus Cover as an optional extra when prompted.

You can also do it over the phone. Simply tell us you’d like to cover a cruise, and we’ll help tailor your policy to suit you.

Of course you can cover a river cruise. You’ll need to let us know that you’re going on a cruise when getting your quote to make sure it’s part of your policy.

You should be covered in most destinations if the country you’re going to is safe to visit.

To check your destination is safe to visit, take a look at the FCDO’s travel advice. The FCDO’s advice can change at any time, so make sure you check it’s safe to travel before you set off.

If the FCDO, World Health Organisation or local authorities have advised against ‘all’ or ‘all but essential’ travel to your destination, then it won’t be safe for you to travel there.

If you travel against FCDO advice, your policy will become invalid and won’t cover you if you need to claim. Even if advice changes while you’re on holiday, you won’t be covered if your destination was listed as unsafe when you travelled.

Yes, you'll need to tell us about every country you'll be porting at during your cruise holiday.

Important: If your cruise takes you through the Suez Canal, you will also need to add ‘Egypt’ to the list of countries, even if the ship does not plan to port there.

Even if you're not planning on getting off the ship, you'll still need to tell us all of the countries that you'll be porting at.

To be covered for COVID-19 on our policies, you need to have had all doses of the COVID-19 vaccine you’ve been offered, including any booster jabs.

You can also be covered if you can’t have the vaccine due to a medical exemption.

If you’ve refused any doses of the COVID-19 vaccine then you won’t be covered for COVID-19 related claims.