Travel insurance for ocean cruises, river cruises, and pre- or post-cruise travel.

Protect prepaid cruise costs, compare medical-at-sea and medical-abroad questions, and start the same quote path with the label that fits how you are cruising.

Cruise trips often combine flights, hotel nights, fixed sailing dates, ports, excursions, and onboard medical questions that can make one delay affect the whole itinerary.

Trip-cost risk

Cruise fare. Flights. Hotel nights. Excursions. Change fees.

Medical at sea

Illness. Injury. Ship clinic. Emergency care. Evacuation.

Port and schedule issues

Missed embarkation. Itinerary changes. Fixed sail dates. Weather.

Start with your cruise

Get cruise-trip answers faster

Pick the main cruise concern first. Then use the same quote path for the rest of the trip questions.

Cruise Focus

Coverage Direction

Trip Protection

Cancellation. Delay. Prepaid trip costs. Missed embarkation.

Travel Medical

Illness at sea. Injury abroad. Ship clinic. Emergency transport.

Both buttons use the same quote path.

Start with the cruise question that matters most

Use the right cruise lane before you click

Cruise travelers usually start with trip-cost questions, medical-at-sea concerns, missed embarkation risk, or how one itinerary change can affect the rest of the sailing.

Trip-cost questions first?

Start with trip protection if your main concern is prepaid, non-refundable cruise costs, cancellation, interruption, or delay.

Medical concerns at sea first?

Start with travel medical guidance if illness, injury, ship-clinic care, emergency treatment, or evacuation is your main concern while away from home.

Worried about missing the ship?

Flights, hotel nights before embarkation, transfers, and tight timing can make one delay more expensive on a cruise itinerary than on a simple point-to-point trip.

Fixed itinerary or port changes?

Cruises run on fixed sailing dates, port calls, and excursion timing, so itinerary changes, weather, or supplier disruptions can affect more than one part of the trip at once.

Short checklist before you click for a quote

Use a short cruise planning check before you click

These are general planning prompts, not binding requirements.

Are your sailing date, ports, and pre- or post-cruise nights finalized?

Did you already pay non-refundable cruise fare, flights, hotel nights, or excursions?

Would a missed embarkation or missed connection create extra transportation or lodging costs?

Have you checked what your current health plan covers on international waters or abroad?

Are excursions or fixed itinerary activities prepaid and non-refundable?

Would you want medical or evacuation support if you became sick or injured away from home?

FAQ Preview

Common questions about cruise-trip coverage

Plain-language answers help people and bots scan the page quickly before they quote.

What does cruise travel insurance usually help with?

It usually starts with prepaid, non-refundable cruise costs, cancellation or interruption, delay issues, baggage concerns, and limited medical or evacuation benefits depending on the plan.

Does coverage include flights and hotels around my cruise?

Many plans can include prepaid, non-refundable flights, hotel stays, transfers, or other arrangements tied to your cruise itinerary before or after embarkation.

What if I miss embarkation because my flight is delayed?

Some plans include benefits tied to missed connections, extra transportation, and certain delay-related expenses, depending on the plan and covered reason.

Does my health plan work on a cruise or abroad?

Many travelers review travel medical because domestic coverage can be limited on international waters, in port, or outside their home country.

Start your quote

Take the next step

Use the label that fits how you are planning. Both buttons open the same quote page.

This quote path is built for ocean cruises, river cruises, and other short-term cruise itineraries.

Coverage, benefits, eligibility, and exclusions vary by plan. Review official plan details before choosing coverage.

This page provides general information and routing, not binding coverage advice. If your main concern is medical care abroad, compare this page with the Travel Medical page or the main Travel hub before you quote.

Before you quote: five travel insurance questions

Trip costs, medical care and evacuation, changing your mind, existing conditions, and what a quote can—and cannot—confirm.

Read clear answers and check IMG’s original sources →

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