Cruise Travel Insurance

Our cruise holiday insurance

A cruise is a holiday with a little bit of everything built in. One day you could be exploring a new city, the next watching the coastline drift past from the deck - and somewhere in between, probably eating more than you intended. Cruises can take you through several destinations in one trip, with plenty happening both onboard and ashore. That also means there are probably a few situations that standard travel insurance doesn't take into account.

Adding cruise cover to your travel insurance can give you extra protection for some of the things that are specific to a holiday at sea.

Cabin confinement
If illness or injury means you are medically confined to your cabin during the cruise.

Missed ports
Cover may be available if your ship is unable to make a scheduled port of call.

Unused excursions
If a covered event means you cannot take part in a prepaid shore excursion.

Itinerary changes
Some policies provide benefits when the planned cruise itinerary has to change.

Missed departure or rejoining the ship
Certain policies can help with additional travel costs if you miss the ship and need to join it at another port.

Cover that fits the whole holiday

A cruise can be much more than the time you spend on board. You might fly out early, stay overnight before departure, visit several destinations, book excursions... So when comparing cover, think about the whole trip - not just the ship.

Medical cover matters too. If you become ill or injured while you’re away, your policy can provide cover for emergency treatment and, depending on the circumstances, medically necessary transport or repatriation. You’ll also have access to 24/7 emergency assistance if you need help while travelling. If you have any pre-existing medical conditions, make sure you declare them accurately when getting your quote.

Cruise holidays vary, and so does the cover available. Compare the cruise-specific benefits alongside things like medical expenses, cancellation, baggage, and excesses, and choose a policy that matches the trip you’ve actually planned.

Then you can get back to the important decisions - like where you’re going first when the ship docks.

Get Quotes

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It's important to know:

1. If you have a medical condition, please make sure you disclose it when buying your policy. Direct Travel Insurance will not provide cover for undeclared medical conditions.
2. You must be 18 years old or over to purchase.
3. We are unable to provide cover for countries where the Foreign, Commonwealth, and Development Office (FCDO) have advised against all, or all but essential travel. Please visit the FCDO Foreign Travel Advice page to check the latest warnings.
4. This product is available for UK residents only.
5. Upper age limits may apply.
6. A 15% online discount is only applied to the base premium of Direct Travel policies, and will not apply to optional, additional cover.
7. Please check our Policy Wordings for full terms & conditions. If you have any questions please visit our FAQs or contact us.

What if I am older than the maximum age?

You may be able to obtain an alternative travel insurance policy by contacting:

British Insurance Brokers Association (BIBA)
Website: Find Insurance - BIBA

MoneyHelper
Website: Travel Insurance Directory | MoneyHelper