How to keep your trip insurance costs down :: Your cruise line might offer limited insurance options or offer a plan that makes the best income for them. But, may not be right for you. The going rate for insurance is 4 to 10 percent of your prepaid, nonrefundable expenses for the cruise itself. Other components of your trip like pre-or-post cruise hotels, or airfare may not be covered. Shop around, review policies from an independent provider. Compare their Prices and Coverage with the offer from the cruise line and be sure read to all the fine print before you decide to book your trip insurance.
Are you ready for your upcoming cruise?
Are you sure?

A travel insurance plan can provide coverage for:

  • Trip delay
  • Trip interruption or cancellation
  • Emergency Medical expenses while on your trip
  • Lost baggage
In addition, many of the travel insurance plans include free 24-hour emergency assistance to help with the unexpected such as:
  • Emergency medical evacuation
  • Flight rebooking
  • Emergency return arrangements
  • Missed connections coordination
  • Lost baggage search
  • Urgent message relay to family, friends or business associates
  • Much more!

What you need to know before you buy Travel Insurance?  Check out our Travel Insurance Resource Center




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Travel protection for a "rainy day" and so much more.


Going Cruising? Let us help you find a great deal on travel insurance.

Compare travel insurance plans as well as read valuable information about why you need trip protection. Wherever your cruise travels take you, we can help assist your planning in the event of unexpected circumstances

So, get started now and compare prices from some of the top plans in the country and save money on your travel insurance with a free no-obligation insurance quote for your next cruise.

We understand that your cruise vacation can take a year to save for, but only a second to ruin. While you can't do anything to prevent an unexpected storm from closing the airport or an accident at home or away from interrupting your cruise trip, you can do something to help cover your travel investment in case of bad luck and help ease your worries; you can buy a travel insurance plan. As the day of your cruise departure approaches, we want to help you be prepared for unexpected travel problems you may encounter on the way so you can make the most of your trip. Flight delays, cancellations or an unexpected illness or injury can give cruise travelers more vacation memories than they bargained for.

When it comes to common travel problems before, during and after your

cruise trip, a travel insurance plan can help.

Kicked Off A Cruise for Getting Sick

A true story that is a good example of why you should have Travel Insurance that waives any pre-existing conditions.


Scenerio:  Shortly before her cruise to Mexico sets sail, a passenger and her family are ushered off the ship. The reason?  She's experiencing sharp kidney pains. They visited the doctor on board. The diagnosis: kidney infection.  Within minutes they were escorted off the ship. Now she wants a refund. Should she get  it?


Under its ticket contract, the legal agreement between you and the cruise line, it could deny you boarding and refuse to offer you a refund on your cruise fare. But, what if the passenger purchased insurance.  Did you know? If you were offered insurance from the cruise line, chances are they would not cover pre-existing conditions.  In this case, the insurance company might have ruled that a kidney infection was a pre-existing condition and denied the claim.

Why choose travel insurance for your Cruise?

  • Your wife becomes seriously ill while onboard the ship and you need immediate medical attention at a hospital. Who can get you evacuated off the ship and to the hospital in time?

  • It's now 10 p.m. and the flight that was supposed to take you to your port of embarkation has been delayed for hours. Who can assist you with finding a new flight to catch up with your cruise?

  • Your cruise has just disembarked when you suddenly realize your insulin bag is nowhere to be found. You need help to have an emergency prescription filled, along with help finding your lost bag. Who do you call?

  • You arrive at the airport after having disembarked off your cruise of a lifetime when you realize your passport and wallet are nowhere to be found. Where do you turn for emergency cash, and how will you get your passport replaced?

  • You arrive in Paris where you will embark on your cruise. Unfortunately, you luggage is nowhere to be found. Who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?

  • While exploring local shops in Shanghai, you trip and hear a cracking noise in your ankle. Who can help you find a physician to have it examined? Who will cover the expense?


Why Buy Cruise Travel Insurance
If a family member gets sick and you can't cruise.
If you miss a flight connection and the ship sails without you!
If your trip is delayed? and have to fly to the next port of call!
If you lose your passport?
If you have a medical emergency?
If you need a medical evacuation?
If your baggage is lost?

...and so much more!


IMPORTANT: Please be sure to read the Travel Guard contract BEFORE making any travel insurance purchase so you can fully understand the rules, regulations, restrictions and exact details of the coverage. Especially if you have a pre-existing condition. Not all products include protect for pre-existing conditions**. That way, you you can make an educated decision on what type of coverage is best for you.


**What do I need to know about pre-existing medical conditions and the coverage through Travel Guard?
Pre-existing Medical Condition Exclusion would be applicable to a condition of a traveler, traveling companion or family member that was first diagnosed, had a change in diagnosis or required a change in medication during the 60, 90, or 180 day look back period (depending on plan purchased) immediately preceding and including the effective date of coverage. Some plans include a Pre-existing Medical Condition Exclusion Waiver when purchasing the plan within a specified time frame immediately following initial trip payment.

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