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Cruise holidays come with risks you don’t usually face on a standard trip, which is why Cruise Travel Insurance includes protection designed specifically for time at sea. This can include cover for cabin confinement, missed port departures, unused excursions and changes to your cruise itinerary.
At AllClear, you can also get cover for your pre-existing medical conditions, so you have protection for both cruise-specific events and medical emergencies during your trip. And with no upper age limit, your age doesn’t have to stand between you and your next cruise.
What is Cruise Travel Insurance – and why do you need it?
Cruise Travel Insurance is specially designed to cover all aspects of your cruise, giving you peace of mind and comprehensive protection.
- It’s tailored for cruises: A cruise can be disrupted in ways a typical holiday can’t. Cruise Travel Insurance provides additional protection for cruise-specific events, including cabin confinement, missed port departures, unused excursions and changes to your cruise itinerary
- Medical conditions: If you become unwell or need medical treatment during your cruise, getting the right care may involve treatment onboard or arranging transport to a medical facility. Having suitable Travel Insurance is particularly important if you’re living with a pre-existing medical condition. For example, if you need an emergency air ambulance back to the UK from Spain and don’t have cruise cover, you could face costs of tens of thousands of pounds
- Cover is a requirement for many cruise companies: Many cruise operators ask you to have suitable Travel Insurance before you sail. Always check your cruise line’s requirements and make sure your policy provides the protection you need for your itinerary
With AllClear, you can tailor your Cruise Travel Insurance to your trip and declare your pre-existing medical conditions when you get a quote. That means you can set sail knowing you have cover designed around both your health and your cruise.
Having the right kind of policy ahead of your trip is a great way to make sure your cruise is smooth sailing.
What does AllClear’s Cruise Insurance cover?
AllClear’s Cruise Insurance protects you against problems that can disrupt your time at sea. Alongside emergency medical and repatriation cover, you’ll be protected for cruise-specific events such as cabin confinement, missed port departures and unused excursions.
What’s covered?
- Medical and repatriation cover – This covers your medical expenses, along with the cost of returning to your home country (repatriation) in case of a medical emergency during your cruise
- Cruise cancellation or cutting your trip short – Covers you if you have to cancel or cut short your cruise due to unforeseen circumstances
- Personal baggage – Covers your baggage and its contents if lost, stolen or damaged
- Missed port departure cover – This covers you if you fail to arrive at your international departure point and miss your cruise. You’ll have financial protection for travel and accommodation expenses to join your cruise at the next scheduled port
- Itinerary change – You’ll be covered for each port missed due to bad weather or timetable restrictions
- Cabin confinement – In the event of illness, you may be told to stay in your cabin to prevent the spread of sickness onboard. This cover allows you to claim payment if you’re confined to your cabin by the ship’s medical officer
- Unused excursions – This provides compensation if you miss an excursion due to an accident, injury, or illness
- Cover for the cost of a friend or relative – This covers the cost of a friend or relative staying with you while you’re being treated or flying out from home to support you if needed
What’s not covered?
- Claims below the value of the excess – You’re not covered for claims that fall below the value of the excess stated in your policy
- Trips outside chosen region of cover – Your cover is limited to trips within the designated region of cover chosen at the time of policy purchase
- Known events or circumstances – Claims related to events or circumstances that were known to you at the time of buying the insurance or before booking any individual trip are not covered
- You’ll need to declare all the countries your ship will visit or stop at during your cruise, even if you don’t intend to disembark.
- Standard Travel Insurance, without the cruise upgrade, will not provide any cover for cruises. You’ll also miss out on cover for itinerary changes, missed ports, unused excursions and other areas of cover you’ll need when going on a cruise.
Choose the right level of cover for you
You can add cruise cover to our Gold Plus policies or choose Platinum Travel Insurance, which covers cruises as standard. Check your policy wording for full details of cover.
If you would like further help, please contact us.
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and Curtailment | Up to £2k | Up to £15k | Up to £25k |
| Missed port departure | N/A | £1,000 | £1,000 |
| Cabin confinement | N/A | £100 per day up to £1,000 | £100 per day up to £1,000 |
| Itinerary change | N/A | £100 per port up to £500 | £100 per port up to £500 |
| Unused excursions | N/A | £500 | £500 |
| Cruise interruption | N/A | £1,000 | £1,000 |
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
Find the best Travel Insurance for your cruise
AllClear offers multiple types of Cruise Travel Insurance, so you can choose the one that’s right for your trip. Examples include:
- European Travel Insurance: Covers trips to European countries, including protection for medical emergencies and pre-existing conditions. Additionally, your European Travel Insurance extends to cover your UK holidays, as long as accommodation is pre-booked
- Worldwide Travel Insurance: Covers cruises to destinations around the world, giving you protection throughout your trip
- Single Trip Travel Insurance: Covers one cruise or holiday in a 12-month period, making it a good choice if you’re planning a single trip
- Annual Multi-Trip Travel Insurance: Covers multiple cruises and holidays throughout the year⇞ and may be more cost-effective than buying separate Single Trip Travel Insurance for each one
- Group Travel Insurance: Covers between two and ten travellers together, making it a convenient option when you’re cruising with friends or family
- Payment options: Pay for your Travel Insurance using your debit card, credit card or Apple Pay
AllClear’s Cruise Insurance for pre-existing medical conditions
Cruising with pre-existing medical conditions shouldn’t stop you enjoying your time at sea. AllClear can cover over 1,300 different medical conditions, from asthma and diabetes to heart and respiratory conditions.
When you get your quote, declare all your medical conditions before your cruise. This means we can take your health into account and provide the right cover if you need unexpected medical treatment during your trip.
This can be particularly important on a cruise, where you may be visiting several countries in one trip and access to medical care can vary between destinations.
We can provide Cruise Cover for any medical conditions, including:
For more information on the medical conditions we cover, please contact us.
Cruise Travel Insurance vs standard Travel Insurance
Cruise Travel Insurance includes extra protection for risks that are specific to cruise holidays. Here’s how it compares with standard Travel Insurance.
| Feature | Cruise Travel Insurance | Standard Travel Insurance |
|---|---|---|
| Cabin confinement | Cover if you’re confined to your cabin on medical advice | Not included |
| Missed port departure | Cover if you miss a scheduled port departure | Not included |
| Unused excursions | Cover for certain unused pre-booked excursions | Not included |
How our Cruise Insurance works: A simple 3 step quote process
Simply complete our quick 3-step screening process to receive your quote.
Here’s how it works.
1. Get a quote for Cruise Travel Insurance online or by phone
Once you’re ready to start the quote process, the first step is to provide your personal details and information about your cruise plans. This can be completed over the phone with one of our team members or online.
2. Complete our simple medical screening process
Here, you need to declare any medical conditions you have and any medications you and your travel companions are taking.
This way, we can provide the cover that best suits your needs.
3. Get your quote
You can either proceed to buy or save your quote at this stage.
Our experts say…
“If you’re planning to take a cruise, you may think that standard Travel Insurance will be enough. However, you won’t have protection for your trip without taking out cruise cover. As well as medical cover, Cruise Travel Insurance also includes extra protection for things like cabin confinement or missed excursions. Cruise holidays can involve risks and disruptions that are unique to travelling at sea, which is why cruise-specific cover can provide valuable additional protection and greater peace of mind throughout your trip.”
Mellisa Hutchins – Travel Insurance Expert and Content Manager
What our customers say
With over 126,000 reviews on Trustpilot, it’s easy to see what our customers think about AllClear.
Quoted Happy
“I got several quotes for 12 month cruise cover. Eventually phoned AllClear. Phone answered in minutes and Nathan Leslie (operator) and he was really good to deal with. Got a good price very quickly. Result!!!”
How AllClear gave Philip the confidence to keep cruising
After being turned away by other providers, Philip found AllClear. The family opted for their Gold Plus policy. After the turbulence of finding the correct insurance provider, the Jolly family were delighted and relieved that, after all, their cruise could go ahead.
What our Customers Say
Cruise Travel Insurance FAQs
Yes. AllClear specialises in Travel Insurance for people living with pre-existing medical conditions and can cover over 1,300 different conditions. When getting your quote, you’ll need to declare your pre-existing medical conditions so we can provide cover that reflects your health and travel needs.
AllClear’s Cruise Travel Insurance has no upper age limit, so you can get cover for your cruise at any age. You’ll need to provide your age and declare any pre-existing medical conditions when getting your quote so we can find the right cover for you.
If you need to make a claim, have your policy details and any supporting documents relating to your claim ready. The information you need to provide will depend on what happened, so check your policy documents for the claims process and contact details.
Yes, most cruise operators need you to have a comprehensive Travel Insurance policy in place before you set sail. You can add Cruise Cover to our Gold Plus policies or take out Platinum Travel Insurance, which covers cruises as standard.
A standard Travel Insurance policy will not cover cruise-specific risks and incidents, such as cabin confinement, missed port departures, itinerary changes, and onboard illnesses or medical emergencies.
For Annual Multi-Trip policies, you can add Cruise Cover to your existing Gold Plus policy after booking your cruise. Cruise cover is already included in platinum policies.
It’s important to ensure your policy covers cruise-specific risks like cabin confinement and missed port departures. So, whether you’re upgrading an existing policy or buying a new one, always check the details to make sure you have comprehensive cover for your cruise.
Yes, you need Travel Insurance for a domestic cruise, even though you won’t be leaving the country. Many cruise lines now require guests to have valid Travel Insurance to board
While international medical cover may not be necessary, other aspects such as cover for trip interruptions, cancellations, or lost luggage remain essential.
Yes, you need Cruise Insurance for a river cruise. You will have no cover on a river cruise if your policy doesn’t include cruise cover.
If you have a Gold Plus policy, you will need to add Cruise Cover as an optional extra onto your Annual Multi-Trip Travel Insurance to make sure you’re covered.
If you have a Platinum policy, Cruise Cover is automatically included.
Standard Travel Insurance does not cover cruises, including river cruises. Ensure you have Cruise Cover before departing, as you won’t be covered while on a cruise without this add-on.
Yes. As long as you have not yet left for your cruise you can buy Cruise Cover after booking your holiday.
Yes, as long as you’ve declared your pre-existing medical conditions beforehand, and it fits within the terms and conditions of your policy.
AllClear Cruise Travel Insurance offers compensation if scheduled port visits are cancelled due to adverse weather or timetable restrictions. Please refer to your specific policy wording for details.
Yes, you will still need Cruise Travel Insurance.
The GHIC (Global Health Insurance Card) will ensure you are entitled to the same level of treatment as a citizen of that country. However, a GHIC is not a replacement for Cruise Travel Insurance, as it does not cover you for:
- The costs of rescue and repatriation (an air ambulance from Spain back to the UK costs £10,000 or more)
- Lost or stolen property such as passports, baggage or precious items
- Losses from trip cancellation, curtailment and interruption
- Extra travel and accommodation costs due to illness
- Any medical treatment needed outside of the EU
Yes, holiday insurance for cruises covers both land and cruising holidays.
If you’re not going on a cruise but are looking for increased cancellation cover, you could choose AllClear Gold Plus or AllClear Platinum, where you can increase cancellation cover up to £25K per person.
Yes, Cruise Insurance can cover pre-existing medical conditions, but you need to make sure to disclose them when purchasing the policy to ensure proper cover.
If you’re planning to enjoy a cruise with your loved ones, you can protect everyone under one policy with either a Family Cruise Cover or a Group Travel Insurance.
Yes. Due to the different costs for medical treatment across the world, you need to declare the destinations of your cruise holiday.
Medical treatment on a cruise is very expensive compared to most land-based trips. As the cost of potential claims is so high, Cruise Cover can be more expensive than Standard Travel Insurance.
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With a background in journalism and years of experience across travel insurance, finance, and medical topics, Mellisa has a gift for turning complex information into reassuring guidance. As Content Manager at AllClear, she communicates on insurance so people can travel with peace of mind.
Our content is created and reviewed by a dedicated team of experts
^ Based on UK companies in the 'insurance' category on Trustpilot, as of July 2025. AllClear Gold, Gold Plus and Platinum policies achieved Which? Best buy. AllClear Gold Plus and Platinum has been 5 Star rated by Defaqto.
⇞ Unlimited trips to your chosen region over a 12-month period from the start date of an annual policy, up to a maximum of 183 days’ travel per year. Individual trip duration limits apply.
