Cruise Travel Insurance

Offering value for money Single Trip & Annual Travel Cruise cover!

2 Options available including:
Winter Sports Option, Sports Cover Option...see all

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Why Choose Able2Travel?

  • Specialists in travel insurance for people with existing medical conditions
  • Full Cover available for 1,000s of conditions
  • Instant cover by telephone or quick and easy online screening in a few minutes
  • Great value cover also available for you and everyone travelling with you

Cruise Travel Insurance

Cruise Travel Insurance

Going on a cruise holiday is a dream come true for many people, but where can you get travel insurance for a cruise holiday? If your holiday plans include going on a cruise, it’s never been more important to get Travel Insurance for a cruise holiday!

Here at InsuraTrip, you can get a travel insurance with optional cruise cover, to ensure you have the cover to meet your needs while you're on your cruise.

Why Do I need Cruise Travel Insurance?

Going on a cruise is increasingly becoming a popular choice for making your holiday unforgettable. Since you can visit multiple countries whilst experiencing a 5-star service all in one place, it’s a great way of having a relaxing, stress-free holiday.

If you are going on a cruise, the good news is that cruises are covered as standard on InsuraTrip. However, the InsuraTrip Cruise Insurance covers more than just medical expenses in case you unfortunately fall ill while onboard the cruise ship. The Cruise Cover Option allows you to further enhance the cover on your policy.

By selecting this option, you will also benefit from low or high-water cover (river cruise only). This will provide you with cover for additional expenses that you incur for land-based alternative accommodations or changing to an alternative cruise ship to reach your final destination, due to insufficient or excess water levels. Please note: this cover only applies to river cruises, so check Section O in the policy wording for more information!

Similarly, our Cruise option includes cover for cabin confinement, due to sustaining an injury or contracting an illness during your journey, and you are confined to your cabin by a doctor on board.

These incidents are something that you do not want to experience and could quickly turn your dream cruise holiday into a nightmare.

If you are worried about the potential financial costs of your cruise missing a scheduled port of call or the cruise has arranged an alternative port of call, you can add this Cruise Travel Insurance Cover quickly and easily to your policy by selecting the Cruise Cover option in the quote process.

Click the ‘Get a Quote’ button now to find out how little it costs to protect your dream cruise holiday while you travel with our cheap cruise travel insurance.


InsuraTrip Cruise Travel Insurance Key Policy Benefits

Our InsuraTrip Cruise Cover Option is available to add to your single trip travel insurance policies, and annual multi trip travel insurance!

Below is a sample of the Travel Insurance for Cruises benefits schedule:

Summary of Cover Standard Extra Super

Missed Port of call cover (amount per port) | Nil Excess Applies




Cabin Confinement cover (amount per port) | Nil Excess Applies




Low/high water cover | Nil Excess Applies


£100 per occurrence


£100 per occurrence


£100 per occurrence

Shore excursion cover








Denied boarding cover | Nil Excess Applies





What COVID Cover is available on InsuraTrip Travel Insurance?

All our InsuraTrip Travel Insurance policies include Coronavirus (COVID-19) cover at no additional cost. However, our policy will ONLY provide cover for claims directly or indirectly related to a pandemic and/or epidemic, including but not limited to Coronavirus (Covid-19) within the following sections:

  • Section A – Trip Cancellation
  • Section B – Trip Interruption
  • Section C – Travel Delay
  • Section F – Emergency Medical Cover/Dental Cover Abroad
  • Section G - Emergency Transport

You can find full details of what is and isn't covered in relation to Coronavirus within the policy wording.

Click the “Get a Quote” button to get InsuraTrip travel insurance with COVID cover to protect your holiday.

Are You a Traveller Who Has Pre-existing Medical Conditions?

If you answer yes to the question above, it's important that you declare your medical conditions when taking out a cruise travel insurance policy at InsuraTrip. If you do not declare your pre-existing medical condition, it can make your travel insurance policy invalid when it comes to making a claim.

To declare your pre-existing health conditions for your travel insurance policy, you can do it by completing our medical screening process online.

Travel often?

If you're planning on going on more than one trip in the next year, you may find that you benefit from InsuraTrip’s Annual Multi-Trip Travel insurance with cruise cover which could save you time and money. Take a look at our Annual Multi-trip Policy page for more information.

Please Note: There is a limit on the trip duration for Annual Multi-Trip policies on InsuraTrip holiday insurance policy depending on the level of cover you choose: 22 days on the Standard Annual Multi-Trip, 32 days on the Extra and Super Annual Multi-Trip.

Additionally, for our Single Trip InsuraTrip policies there is also a limit on duration depending on your age: 90 days for those aged 54 years or under, 60 days for those aged 55 to 59 years and 45 days for those aged 60 to 69 years. This can be found in the InsuraTrip Travel Insurance policy wording.

Our policies are available for individuals aged up to 69 years, but if you are aged over 69, there is no need to worry, as our sister brand, Able2Travel can offer coverage for individuals that are beyond the age of 69. Please visit Able2Travel to find out more.



Important Information for Customers with Serious Medical Conditions

MoneyHelper has developed a directory of specialist Travel Insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable Travel Insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper Travel Insurance directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.

Why Choose

InsuraTrip features a range of great benefits as standard. InsuraTrip also features some great add-ons for you to tailor your policy - meaning you only pay for the additional cover you need.

  • Instant Quote and Cover
  • 24/7 Emergency Helpline
  • Medical Expenses
  • Cancellation Cover
  • Baggage Cover
  • Personal Accident & Liability Cover
  • FREE cover for 100+ Sports and Activities
  • Options Available including cruise, winter sports and more...
  • 100s of Medical conditions considered
  • Online Policy Documentation
  • We don't store credit card details
  • + Lots more
Pre-Existing Medical Conditions

This policy does not provide cover for pre-existing medical conditions unless declared to us and accepted by us in writing (an additional premium may be payable).

The good news is InsuraTrip can consider 100’s of pre-existing medical conditions when you apply for cover and if accepted by us through our online medical screening system when getting a quote you can be covered by the InsuraTrip policy (an additional premium may be payable).

Please refer to the policy wording to determine what medical conditions and historic medical events need to be declared.

You can declare your Pre-Existing Conditions through our online medical screening facility when getting a quote. Failure to declare all necessary pre-existing conditions could invalidate your policy or mean a claim is later declined.

Please Note - This is a travel insurance policy and not private medical insurance; there is no cover for any medical expenses incurred in private facilities if medically capable public facilities are available.

How do I get a Quote for Cruise Travel Insurance?

It’s quick and easy to get a Cruise Travel Insurance quote.

Just click the ‘Get A Quote’ button to get an online quote for Cruise Travel Insurance.

Travel Insurance Policy Options

Sports Cover Option
Sports Cover Option

For additional cover when taking part in one of our 100+ sports included as standard, be sure to take out sports cover for further peace of mind on your trip.

Winter Sports Option
Winter Sports Option

Add the Winter Sports Option to your InsuraTrip Travel Insurance policy to get protection for emergency medical expenses and lost, damaged or stolen ski equipment, unused lift pass through loss or theft, loss of use of ski pass through illness or injury, piste closure and avalanche and landslide closure cover as well as physiotherapy if required upon return to the United Kingdom.