Travel insurance for cruises

Sailing off on a cruise? Make sure you’ve got your insurance in order.

Whether you’re a seasoned sailor or still finding your sea-legs, our cruise travel cover will protect you from the second you purchase to the moment you drop anchor back home.

 

Cruise travel insurance FAQs

Why do I need cruise travel insurance?

You’re setting off to sea. Everything’s packed – passport, flip-flops, traveller’s cheques, and your fancy new shades. You’re ready to relax and sit by the pool, stop off and see some of the world.

But, what if you become unwell on the journey and are confined to your cabin, your trip is cancelled or cut short? Accidents happen, but if you’ve got insurance – you’ll be protected. And if you don’t, you could risk losing money on the trip of a lifetime.

That’s why it’s best to be covered. We’ll help you work out the cover that’s right for you.

What does cruise travel insurance cover?

With three cover levels to choose from, you can customise your holiday insurance to suit your trip.

Choose from our three levels of cover to give you the protection you'd like at a great price.

Bronze

Silver

Gold

Included
£10,000,000 emergency medical and repatriation cover
Included
£10,000,000 emergency medical and repatriation cover
Included
£15,000,000 emergency medical and repatriation cover
Included
Up to £10,000 for personal accident cover
Included
Up to £20,000 for personal accident cover
Included
Up to £30,000 for personal accident cover
Included
£1000 cover for cancelling or cutting short your trip
Included
£2500 cover for cancelling or cutting short your trip
Included
£5000 cover for cancelling or cutting short your trip
Included
£1,000 for disruption or delay to travel plans
Included
£2,500 for disruption or delay to travel plans
Included
£5,000 for disruption or delay to travel plans
Included
£1,000,000 personal liability limit
Included
£1,500,000 personal liability limit
Included
£2,000,000 personal liability limit
Included
£5,000 for legal expenses
Included
£15,000 for legal expenses
Included
£25,000 for legal expenses

And if you want maximum peace of mind, add our cruise cover upgrade to your travel policy.

If you’re confined to your cabin through illness or injury or because the ship cannot dock or you’re ill, then this will help you to get your money back.

More details on what is and isn’t covered can be found within our cover levels section.

What if I have a pre-existing medical condition?

If you have a pre-existing medical condition, check that you declared this when you took out your policy. If you haven’t, you must because it may affect any claims you make because of this condition.

Should I take out single or multi-trip travel insurance?

If you’re planning other trips, why not think about our annual multi-trip cover? It’ll save money and the hassle of arranging protection every time you travel.

Unfortunately, our annual cover isn’t available if you’re 75 or over - so, you might be better off taking out a single trip policy instead.

Does an EHIC card cover me for emergency medical care?

European Health Insurance Cards (EHICs) apply in all EU countries, plus Iceland, Leichtenstein, Norway and Switzerland. But to stay safe, you should check where you’ll be covered before you go.

How much is cruise travel insurance?

Prices for single trip cover start from £13, and annual trip insurance from £34.*

Three things to consider when you’re travelling

Packing for a cruise

That means your passport, bags, money, sensible footwear and any medication you might need. Bear in mind there’s often an informal dress code on cruise ships, and pack clothes for both sunny days and chillier evenings. Check if there are any theme parties or gala evenings, and pack accordingly. Also, familiarise yourself with the forbidden items on your cruise operator’s recommendations and don’t take anything that could cause you trouble.

Don’t miss the boat: ship time or shore time?

Sounds simple, but it’s important to keep on top of timings – find out if you’re working to ship time or shore time. Check with the staff on the boat – and set your watch accordingly.

Know where the medical centre is

Accidents can happen. Take some time on your first day to find out where the medical centre is. They’ll have at least one doctor and pharmacy stocks on board. If you’re taken ill onboard, insurance can help pay for treatment you receive.

Making claims clear

AXA is committed to making claims clearer. We paid over 94.2% of customers’ travel insurance claims in the last year1.

1.9%1 of our travel insurance policy holders needed to make a claim in the last year, with an average claim pay out of £8551.

We are committed to paying travel insurance claims and getting our customers’ lives back to normal as quickly as possible.

Find out about the most common situations why a claim might not be paid here

* 10% of customers paid this or less, 1 Apr – 30 Jun 2019

1 Data relates to personal travel insurance claims for policies underwritten by AXA Insurance UK plc from May 2018 – April 2019 inclusive.