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Is there different travel insurance for cruises?

Cruise Travel Insurance

Travel insurance for a cruise can be different from regular travel insurance. At Gerrards, we understand these differences and can assist you in setting up the right policy to ensure your cruise is covered.

Why do you need cruise travel insurance?

Medical Emergencies at Sea

Access to medical care on a cruise ship is different from on land, and may be more costly.

Trip Interruptions or Cancellations

Cruises have strict departure schedules, making them more susceptible to issues from delays.

Specialized Activities

Onboard activities and excursions may require additional coverage not typically included in standard travel insurance.

Do you need different travel insurance for a cruise Gerrards

What is special about cruise travel insurance?

Cruise travel insurance is designed to cover the specific needs and risks associated with being at sea. This can include coverage for cabin confinement due to sickness, missed port calls, or cruise-specific delays. It’s tailored to ensure that the unique aspects of being on a cruise ship are taken into account, from trip interruptions to medical emergencies that require evacuation.

How do you get cruise travel insurance?

  1. Research: Start by researching policies that include cruise coverage.
  2. Compare: Look at what’s included and compare it to the needs of your trip.
  3. Contact: Reach out to a specialized insurance broker like Gerrards to discuss the best options and get professional advice.
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What Are the Disadvantages/Advantages of CruiseTravel Insurance?

  • Comprehensive Coverage: Cruise insurance often provides a more comprehensive package that includes trip cancellation, lost or delayed baggage, and medical emergencies.
  • Specific Features: Policies may offer coverage for cruise-specific scenarios like cabin confinement and missed excursions.
  • Peace of Mind: Knowing you’re covered for the unique risks of a cruise can offer greater peace of mind.
  • Cost: Cruise insurance can be more expensive than standard travel insurance due to the additional coverages.
  • Complexity: Understanding the specific terms and conditions of cruise insurance can be more complex.

How can you do it right?

To do it right, assess your needs based on the cruise you’re taking, the destinations involved, and the activities you plan to do. Always read the fine print of any policy to ensure it covers all the potential risks. It’s wise to book insurance early to benefit from cancellation coverage and to ensure any pre-existing conditions are reported and covered.

Common misunderstandings

  • All Travel Insurance Is the Same: Not all policies cover cruise-specific incidents.
  • Medical Coverage Is Universal: Onboard medical care can be expensive, and not all standard policies will cover the full cost.
  • You Can Wait to Buy: Purchasing insurance close to your departure date might leave you without cancellation coverage or with limited options.

How can Gerrards help?

At Gerrards, we specialize in travel insurance and can guide you through selecting the right cruise travel insurance. We’ll help you:

  • Understand Your Needs: By discussing the specifics of your trip.
  • Compare Options: We’ll compare policies for you and find the one that matches your cruise plans.
  • Provide Support: Our team will be there to assist you before, during, and after your trip with any insurance-related concerns.


For any aspects of choosing and understanding cruise travel insurance, Gerrards can offer professional advice and assistance to ensure you’re fully covered for your next adventure at sea.

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