Cruise Insurance

Travel Insurance for Cruises

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Travel Insurance For a Cruise

Cruises are designed to be relaxing and convenient by requiring payment prior to departure, but this only increases the amount of planning essential for a cruise vacation – packing, buying flights, coordinating pre-cruise COVID-19 testing, getting to the port before departure, booking excursions, picking out meal plans, and so much more.

Unlike other vacations, it’s likely for cruise-goers to have paid for most of their vacation before ever stepping foot on the ship. With travel insurance, you can insure your prepaid, non-refundable cruise, flight, and other trip costs so that you’re covered in case the unexpected happens before or during your travels.

Before setting sail on your next cruise, it’s important to consider all of the reasons why you may need travel insurance to protect your trip.

Big Cruise Boat in Water

Why You May Need Travel Insurance for a Cruise

Setting sail for a cruise vacation never gets old. Between the delicious food, on-ship entertainment, visiting multiple destinations, and basking in the sun, there is something for the whole family to enjoy. While planning for and embarking on a cruise is an exciting experience, cruise-goers should also plan on protecting themselves and their trip expenses from the unexpected by having travel insurance. Here are some of the key reasons why having travel insurance for a cruise is so important.

Travel Insurance Benefits for Cruises

Missing the Boat

Unless you live near a port, you will likely have to book a flight to get to your trip departure destination. What happens if your flight is delayed – or worse – cancelled? Suddenly, your dream cruise turns into a nightmare, and you can’t make it to the port in time. With travel insurance, you can be reimbursed for your additional transportation costs incurred to join your departed cruise.

Lost Baggage

You may not have issues with your flight arriving on time, but what if you are waiting at baggage claim and realize your bag didn’t make it to your destination or is delayed? An iTravelInsured travel protection plan includes baggage and personal effects coverage which reimburses damaged, lost, or stolen luggage. If your bags are delayed a certain number of hours, your plan also includes baggage delay benefits that can offer you reimbursement for necessary clothing or personal items you have to buy while waiting for the bags to arrive. By having this protection, you may worry less about boarding the ship without clothing and personal items.

Getting Injured or Sick

Not only do you want to protect your trip investment, but you also want to protect your health – especially in the exotic locations you may visit. Cruise ships have medical facilities equipped to handle minor injuries and illnesses. If you become injured or sick beyond what the medical facilities onboard can handle, the cruise ship may direct you to the hospital at the next port or a medical evacuation may be necessary. Without travel insurance, you could be responsible for paying out-of-pocket for these types of healthcare expenses.

IMG’s iTravelInsured travel protection plans also treat COVID-19 the same as any other sickness for all coverages that are triggered by sickness or that can reimburse losses resulting from a sickness. This means, if you contract COVID-19 while on your cruise, any related medical treatment you receive could be covered, and you can be reimbursed for your prepaid, non-refundable expenses for missed activities as well.

Protecting Prepaid Expenses

Cruises are a convenient way to travel, not only for the transportation aspect, but also because most of your activities are booked and paid for in advance. Depending on your plan, you may be covered in the event you have to miss a prepaid activity because you are sick.


Cancelling Your Cruise

Because cruises are planned so far in advance, it’s impossible to know what lies ahead 9-12 months from the time you book your trip. A travel protection plan from IMG provides trip cancellation and trip interruption coverage for several unpredictable reasons, including loss of a family member, sudden illness, and more covered reasons.

If you want additional peace of mind, the iTravelInsured Travel LX plan provides a Cancel for Any Reason benefit, which can reimburse up to 75 percent of prepaid, non-refundable trip costs if you choose to not go on your cruise for any reason not otherwise covered by this plan.*

How Much Does Travel Insurance for a Cruise Cost?

The cost of an iTravelInsured travel protection plan is calculated by age, level of coverage, and a percentage of your prepaid, non-refundable trip costs. You’ll find that many cruise lines often offer their own travel insurance as an add-on when booking the cruise, but you may encounter more restrictions, limitations, and a higher cost. Review these options carefully as a travel protection plan from IMG may be a better fit for your needs.

Popular Plans
Ideal for Travelers Taking a Cruise

Most Popular

iTravelInsured Travel SE

Family-friendly plan for domestic and international destinations


  • Family-friendly plan for domestic and international destinations
  • Trip cancellation maximum benefit up to 100% of trip cost
  • Trip interruption maximum benefit up to 150% of trip cost
  • Up to $125 per day per person to a maximum benefit of $2,000 for trip delay
  • $500,000 maximum benefit for medical evacuation and repatriation of remains
Trip Protection
Medical Benefits

iTravelInsured Travel LX

Robust plan with optional cancel and interruption for any reason benefits


  • Trip cancellation maximum benefit up to 100% of trip cost
  • Trip interruption maximum benefit up to 150% of trip cost
  • Up to $250 per day per person, $2,500 maximum benefit for trip delay 
  • $1,000,000 maximum benefit for medical evacuation and repatriation of remains
  • Optional Cancel for Any Reason (CFAR) / Interruption for Any Reason (IFAR) add-on benefit available (Additional cost and terms apply)
Trip Protection
Medical Benefits

Additional Travel Insurance Plans


This advertisement contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et. Al., T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2022. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain non-insurance Travel Assistance Services provided by iTravelInsured. Coverages may vary and not all coverage is available in all jurisdictions. coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. Benefits and limits may vary by state of residence and not all plans are available in all states. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. CA DOI toll free number: 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact International Medical Group 9200 Keystone Crossing Suite 800 Indianapolis, IN 46240 USA. +1 (317) 655-9796. iTravelInsured Insurance Services CA Non-Resident Producer License No. 0F17093.