On a cruise, care in the ship’s medical centre is often charged to you, and evacuation from a ship can be complex. Check that the plan covers you at sea and in every port, evacuation from the ship, and the cost of catching up if you miss a departure.
What to check
- Cover at sea and in every country the ship calls at.
- Medical care on board, and evacuation from the ship to a hospital.
- Missed departure: the cost of reaching the next port.
- Shore excursions and activities you’ll book.
- Cancellation reasons, and when cover starts.
Read the policy wording before you buy: what’s covered, the limits, the excess and the exclusions.
Each insurer’s own page for this
VisitorsCoverage and SafetyWing have no page for this.
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Questions
Does standard travel insurance cover cruises?
Some plans do and some need a cruise option. Check that cover applies at sea.
Is medical care on a cruise ship covered?
Plans differ; check how on-board care and evacuation are treated.
What if I miss the ship?
Some plans pay to reach the next port. Check the missed departure section.
Keep reading
Updated 2026-10-24.