Best Cruise Insurance Plans Of June 2024 (2024)

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Via Forbes Advisor's Website

The Atlas Journey Premier policy stands out for its excellent missed connection coverage and medical evacuation benefits. We also picked it because of its wide range of add-on benefits. These include “cancel for any reason,” “interruption for any reason” and extra coverage for pets traveling with you, adventure sports, destination weddings, hunting and fishing equipment, and more.

More:WorldTrips Travel Insurance Review

• One of the lowest average costs among top-rated policies evaluated.
• Very good travel delay benefits of $2,000 per person after only 5 hours.
• Excellent missed connection coverage of $2,000 per person after 3 hours.

• Medical coverage level is low compared to some competitors evaluated.
• Baggage delay benefits have a 12-hour waiting period.

Here’s a look at top coverage types that are included in the WorldTrips Atlas Journey Premier policy.

Also included:

• Travel inconvenience benefits of $750 for specified problems. These include if your arrival home is delayed due to a transportation delay and you can’t work for at least two days, your flight lands at a different airport than scheduled, your passport is stolen and can’t be reissued, and more.

Optional add-ons offered:

• Adventure sports add-on to extend coverage to safaris, bungee jumping and more.
• Baggage insurance upgrade to $4,000 per person.
• “Cancel for any reason” and “interruption for any reason” coverage.
• Destination wedding coverage in case the wedding is canceled.
• Hunting and fishing coverage for equipment and cancellation due to government restrictions.
• Political or security evacuation benefits of $150,000 per person.
• Rental car theft and damage coverage of $50,000.
• School activities coverage if trip has to be canceled due a test, sporting event, etc.
• Vacation rental accommodations coverage of $500 if unclean or overbooked.

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Via Forbes Advisor's Website

We recommend Nationwide’s Cruise Luxury plan because it provides an array of extensive benefits such as “interruption for any reason” and “cancel for work reasons.” Some competitors don’t offer any of those perks. We also like that it includes benefits for delays in your ship’s arrival to the next port of call, superior missed connection coverage and evacuation benefits—all at a decent price.

More:Nationwide Travel Insurance Review

• Includes $25,000 in non-medical evacuation benefits.
• Pretty good baggage delay benefits of $1,000 per person.
• Good travel delay benefits of $1,000 per person covered after only a 6-hour delay.

• Medical coverage is lower than some other top-rated plans but might be sufficient for your needs.
• 24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 6- or 12-hour delay requirement.

Here’s a look at whether top coverage types are included in Nationwide’s Cruise Luxury policy.

Also included:

• Coverage if the CDC issues a health warning at your destination.
• Coverage for extension of the school year, terrorism in an itinerary city, work-related emergency issues.
• “Interruption for any reason” up to $1,000.
• Inconvenience benefit of $250 per person if your cruise ship’s arrival at the next port of call is delayed for two or more hours due to mechanical breakdown or fire.

Optional add-on offered:

• If you cancel two or more days prior to your departure for a reason not listed in the base policy, CFAR provides 75% compensation of your insured trip cost.

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Via Forbes Advisor's Website

The Luxe policy stood out in our analysis because it has superior benefit limits across the board. We also liked its generous evacuation coverage, short waiting periods for delays and wide range of optional benefits.

• You can buy a “cancel for any reason” upgrade within 21 days of your initial trip deposit, compared to 15 days for many other top-rated companies.
• Non-medical evacuation benefits of $100,000.
• Provides “hospital of choice” in its medical evacuation coverage, meaning you choose the medical facility rather than being transported to the nearest adequate treatment center.
• Top-notch trip interruption reimbursem*nt of 200%, which is twice as much as many competitors.

More: PrimeCover Travel Insurance Review

• Medical expense limits of $250,000 per person is great but some competitors provide twice as much travel medical insurance.

Here’s a look at whether top coverage types are included in the PrimeCover Luxe policy.

Also included:

• Benefits of $300 for changing original travel arrangements, such as transferring airlines.
• Benefits of $500 for itinerary change.
• Benefits of $500 for lost golf fees and $150 lost ski/snowboard.
• Benefits of $1,500 for rental property damage liability.
• Benefits of $5,000 for search and rescue.
• Coverage of $1,000 for sports equipment rental.
• Travel inconvenience coverage of $100 each for closed attractions and flight diversions.

Optional add-on coverage includes:

• Choices of $100,000, $250,000 and $500,000 for AD&D flight-only coverage.
• “Cancel for any reason” upgrade.
• Increased coverage choices of $4,000 or $7,000 for trip delay.
• “Interruption for any reason” upgrade.
• Rental car damage coverage of $50,000.

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Via Forbes Advisor's Website

We like TravelSafe’s Classic because it provides superior missed connection and evacuation benefits. It also has very good trip interruption and hurricane and weather coverage at a competitive price.

More:TravelSafe Travel Insurance Review

• Provides coverage for non-medical evacuation at $25,000 per person.
• “Cancel for any reason” upgrade available.
• Excellent baggage loss coverage limits of $2,500 per person.

• $100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs.
• Baggage delay coverage is a little skimpy at $250 per person after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Classic Plus policy.

Also included:

• Compensates $300 for fees if you have to redeposit frequent traveler awards for reasons covered by your trip cancellation insurance.
• If your return home is delayed by 24 hours or more due to a reason covered in your policy, the policy includes $100 of pet kennel coverage.
• If your travel supplier makes a change that forces you to lose non-refundable costs for missed activities, you’re eligible for $250 per person for itinerary changes.

Optional add-ons offered:

• Accidental death and dismemberment for flights, up to $500,000 per person.
• Business equipment and sports equipment coverage of $1,000 if lost, stolen or damaged.
• “Cancel for any reason” coverage of 75% of lost trip costs.
• Up to $35,000 in rental car damage and theft.

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Via Forbes Advisor's Website

AXA’s Platinum plan stood out in our analysis because it hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including non-medical evacuation coverage and baggage insurance.

More:AXA Assistance USA Travel Insurance Review

• Generous medical and evacuation limits.
• “Cancel for any reason” upgrade available.
• Baggage loss coverage of $3,000 per person is among the highest of plans we reviewed.
• Provides excellent non-medical evacuation coverage of $100,000 per person.

• Travel delay and baggage coverage kicks in only after a 12-hour delay.
• “Interruption for any reason” upgrade not available.

Here’s a look at whether top coverage types are included in AXA’s Platinum policy.

Optional add-ons offered:

• “Cancel for any reason” coverage.
• Lost golf rounds.
• Lost ski days.
• Rental car damage coverage of $50,000.

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Via Forbes Advisor's Website

We like Seven Corners’ Trip Protection Choice plan because of its great upgrade options and excellent benefits. These include unrivaled medical coverage limits, non-medical evacuation and very good missed connection benefits.

More:Seven Corners Travel Insurance Review

• Highest medical expenses and medical evacuation coverage limits among top-rated plans.
• “Cancel for any reason” and “interruption for any reason” upgrades available.
• Very good travel delay coverage of $2,000 per person.
• Includes $20,000 for non-medical evacuation.

• Hurricane and weather coverage has a 48-hour delay, compared to some competitors’ plans that require only 6-, 12- or 24-hour delays.

Here’s a look at whether top coverage types are included in the Seven Corners Trip Protection Choice policy.

Also included:

• Accidental death and dismemberment coverage of $40,000 per person for qualifying common carrier events.
• Change fee compensation of $300 per person if you have to change your flight or original travel arrangements due to qualifying events.
• Coverage of $500 for pet kennel benefits if your return home is delayed by six hours or more due to qualifying missed connection, interruption or delay problems.
• Frequent traveler coverage of $500 to pay for the cost to redeposit awards due to a trip cancellation caused by a reason listed in your policy.

Optional add-ons offered:

• Event ticket fee registration coverage of $15,000 if you can’t attend an event due to unforeseen reasons listed in trip cancellation and interruption coverage.
• “Cancel for any reason” coverage.
• Coverage of $35,000 for rental car damage.
• Golf and sports equipment rental coverage up to $5,000.
• “Interruption for any reason” coverage.

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Via Forbes Advisor's Website

We picked Trawick’s Safe Travels First Class policy because it provides solid benefits at a great average cost—it’s the fourth cheapest among the 12 top-rated plans we evaluated. We also like that it includes high medical evacuation limits and good missed connection coverage.

More:Trawick Travel Insurance Review

• Offers “cancel for any reason” upgrade.
• Top-level medical evacuation coverage of $1 million.
• Excellent baggage loss coverage of $2,000 per person.

• Medical coverage is lower than most other top-rated plans but might be sufficient for your needs.

Here’s a look at whether top coverage types are included in Trawick’s Safe Travels First Class policy.

Also included:

• Common carrier accidental death and dismemberment coverage of $25,000.
• Coverage for sports fees.

Add-ons:

• Coverage of $50,000 for rental car damage.
• “Cancel for any reason” upgrade that allows you to recoup 75% of insured trip costs if you cancel at least 48 hours prior to departure.

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Via Forbes Advisor's Website

Generali’s Premium policy got our attention because of its very good benefits at a decent average price. We like the Premium policy’s generous time frame for getting coverage for pre-existing conditions, excellent trip interruption insurance and medical coverage. It also includes and includes generous benefits for rental car damage and accidental death.

More:Generali Global Assistance Travel Insurance Review

• You can qualify for coverage of pre-existing medical conditions if you buy the policy prior to or within 24 hours of making your final trip payment, as opposed to a deadline of 10 to 20 days after making your first trip deposit, which is typical from top competitors.
• Excellent hurricane and weather coverage with no waiting period.
• Top-notch emergency evacuation coverage of $1 million per person.

• If you want “cancel for any reason” coverage you must buy it within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors.
• “Interruption for any reason” upgrade not available.

Here’s a look at whether top coverage types are included in the Generali Premium policy.

Also included:

• Coverage of $52,000 for rental car theft and damage.
• Coverage of $2,000 for sporting equipment.
• Coverage of $500 for sporting equipment delay.

Optional add-on offered:

• “Cancel for any reason” upgrade that compensates you 60% of your insured trip cost if you cancel at least 48 hours prior to your scheduled departure.

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Via Forbes Advisor's Website

We recommend John Hanco*ck’s Gold policy if you want a short travel delay waiting period and high medical and evacuation limits. The Gold plan also has the highest limits ($100,000) for accidental death and dismemberment of the plans we reviewed. It also stands out because it includes very good trip interruption, baggage and missed connection coverage.

More:John Hanco*ck Travel Insurance Review

• “Cancel for any reason” upgrade available.
• Good missed connection coverage of $1,000 per person after 3-hour delay.
• Travel delay benefits kick in after only a 3-hour delay.

• Pricey among the plans we analyzed but you buy top-tier benefits.
• Baggage delay benefits require a 12-hour delay.

Here’s a look at whether top coverage types are included in the John Hanco*ck Gold policy.

Also included:

• Coverage for sports fees and equipment loss.
• Coverage of $200 for ticket change fees if delayed by one hour or more.

Optional add-ons:

• Coverage of $300,000 or $500,000 for flight-only accidental death and dismemberment.
• Rental car collision coverage of $50,000.
• “Cancel for any reason” upgrade providing 75% of insured trip costs if you cancel at least 48 hours before your departure.

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Via Forbes Advisor's Website

While pricing is higher than most other top plans, we chose USI’s Diamond plan for its solid range of top-level benefits, including first-rate medical and evacuation benefits and very good missed connection coverage. It also has a short waiting period for travel delays—six hours compared to 12 hours for some top-rated competitors.

More:USI Affinity Travel Insurance Review

• Superior coverage levels for medical expenses and evacuation.
• “Cancel for any reason” upgrade available.
• Very good travel delay coverage of $1,500 per person.
• High baggage loss coverage of $2,500 per person.

• Baggage delay coverage is good at $500 per person but requires a 12-hour delay for benefits to start.
• Has the second-highest average cost among top-scoring plans.

Here’s a look at whether top coverage types are included in the USI Affinity Diamond policy.

Also included:

• Coverage for sports fees.
• Rental car damage benefits of $1,000.
• Flight-only accidental death and dismemberment coverage of $10,000.

Add-ons:

• “Cancel for any reason” upgrade providing reimbursem*nt of 75% of prepaid, non-refundable trip costs if you cancel at least 48 hours before departure.

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Via Forbes Advisor's Website

AIG’s Travel Guard Preferred plan is one of our favorites because it provides solid benefits at a very low average price. Optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades allow you to customize a policy to fit your needs.

Additionally, the Travel Guard Preferred plan includes benefits if (under certain conditions) you must start your trip earlier than planned—a feature not found in all policies.

More:AIG Travel Insurance Review

• Provides up to $750 for “travel inconveniences,” such as flight delay to your return destination, runway delays and cruise diversions.
• Reimburses up to $2,500 for meals, accommodations and transportation if you must begin your trip earlier than scheduled due to inclement weather or common carrier changes.
• Offers “cancel for any reason” upgrade.

• Very low travel medical insurance limits compared to other policies we evaluated, but you can increase coverage with an upgrade.
• Missed connection benefits of $1,000 are low compared to some competitors.

Here’s a look at whether top coverage types are included in AIG’s Travel Guard Preferred policy.

Also included:

• Ancillary evacuation benefits up to $5,000 for expenses related to return of children, bedside visits, baggage return and more.
• Flight accidental death and dismemberment coverage of $100,000 per person.
• Travel inconvenience benefits of $750 total ($250 per problem) if you encounter issues such as closed attractions, cruise diversion, hotel infestation, hotel construction and more.
• Trip exchange benefits of 50% of your trip cost that pay the difference in price between your original reservation and the new one.

Optional add-ons offered:

• Adventure Sports Bundle for adventure and extreme activities.
• Boarding and medical expenses for illness or injury of dog or cat while traveling is covered with the Pet Bundle. Includes trip cancellation or trip interruption if your pet is in critical condition or dies within seven days before your departure.
• “Cancel for any reason” upgrade that reimburses 50% of insured trip costs.
• Rental vehicle damage coverage of $50,000.
• Wedding Bundle to cover trip cancellation due to wedding cancellation. Note that brides and grooms are excluded from this benefit.
• You’re allowed to add a person to your policy who will qualify for family member-related unforeseen events that can apply to claims for trip cancellation and interruption with the “Name Your Family” upgrade.

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Via Forbes Advisor's Website

We were impressed byHTH’s TripProtector Preferred policy which is packed with luxury-level benefits and has a short waiting period for hurricane and weather. It also stands out for its superior medical and evacuation benefits and trip interruption coverage, but it also comes with a high average price.

More:HTH Worldwide Travel Insurance Review

• Waiting period of only six hours for hurricane and weather, compared to most competitors that have 12 or 48.
• “Cancel for any reason” upgrade available.
• Excellent trip interruption coverage of 200% of the trip cost.
• Very good travel delay coverage of $2,000 per person after a 6-hour delay.

• Highest average cost among top-rated companies, but you’re getting robust benefits.
• Baggage delay coverage requires a 12-hour delay.

Here’s a look at whether top coverage types are included in the HTH Worldwide TripProtector Preferred policy.

Also included:

• Coverage of $35,000 for rental car damage and theft.
• Coverage of $250 for pet medical expenses if your dog or cat traveling with you gets injured or sick during your trip.

Optional add-on offered:

• “Cancel for any reason” upgrade that compensates you 75% reimbursem*nt of trip costs if you cancel at least two days prior to your scheduled departure.

Understand What Cruise Insurance Covers

I suggest you read sample policies online while you’re shopping around. You can learn the finer details and become familiar with how much you’ll be compensated for if you file a travel insurance claim. That way you won’t get any unpleasant surprises about what’s covered and what isn’t.

Assess Your Needs

I think it’s smart to think about your personal circ*mstances before you start shopping. For example, If you’re worried about a problem at home potentially escalating before or after your departure, you should look for policies that offer “cancel for any reason” and “interruption for any reason” upgrades.

Be Sure to Buy Travel Medical Insurance

I don’t think many people realize that cruise companies generally don’t accept your health insurance coverage if you get sick or injured while on your trip. Medicare Parts A and B may provide coverage in limited cases—for example, if you’re in a U.S. port or no more than six hours away from one. That’s why it’s important to buy travel medical insurance with ample benefits when you purchase a policy for a cruise.

Annual Plan for Frequent Travelers

My advice for those planning on taking multiple trips is to consider an annual travel insurance plan. It’s more affordable than buying multiple policies during one year and all your trips will be covered.

Compare Cruise Insurance Policies

I recommend shopping around and comparing policies from multiple travel insurance companies. The price can vary from one company to another for similar benefits.