IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more


Should You Buy Travel Insurance for a Cruise?

Whether or not you should buy travel insurance for a cruise depends on your individual circumstances and risk tolerance. Read on to know if you should buy travel insurance for cruise.

  • 26 Jul 2023
  • 2 min read

You want to be confident you’re making the right decision when it comes to significant purchases and managing your money. When purchasing a new computer, you consult with tech professionals. You consult an investment broker if you require assistance managing your retirement assets. In each of these cases, likely, you won't select the first listing you come across. You research the topic. Buying travel insurance to cover your cruise holiday is the same. Make sure to carefully weigh all of your alternatives before selecting the company and travel insurance plan that will best safeguard your trip.

Reasons to buy Travel Insurance for a cruise?

Whether or not you should buy travel insurance for a cruise depends on your individual circumstances and risk tolerance. When you examine how it can help, travel insurance for cruises or cruise insurance is often worthwhile. Travel insurance for cruises can help safeguard your finances if you have to cancel or return home earlier than planned for a covered reason. It can also assist with medical costs if you get sick or injured while travelling on a cruise.

Here are a few factors that make investing in cruise travel insurance a good decision.

Unexpected events

Anything can happen, even if you are healthy and have never had to postpone a vacation. You might have to postpone your trip due to a last-minute family emergency, illness, job loss, or other circumstances. Your cruise fare, airfare, and hotel stays are instances of non-refundable costs that travel insurance can help you recover.

Medical costs

If you get injured or fall sick while on your vacation, this coverage may be able to help cover your medical expenses. Even if you have health insurance, it might not be sufficient to pay for all of your expenses.

Baggage loss/delay

This coverage can help reimburse you for the cost of replacing lost or delayed luggage.

Also read:

Emergency medical evacuation

If you need to be flown home from your vacation in case of a major illness or injury, this coverage may help with the expense of the emergency medical evacuation.

Missing the cruise

You can miss your cruise for multiple reasons, like getting stuck in a traffic jam, theft, and missing/lost travel documents. To cover such circumstances, having cruise travel insurance can be helpful. It may also cover missed connections and help you reach your cruise at the next available port.

Pre-existing Conditions

It’s critical to confirm that the travel insurance coverage will cover any current medical conditions you may have. Some policies may only partially or completely cover pre-existing conditions, while others may offer more comprehensive coverage.

Lost Passport

This coverage can help reimburse you for the cost of replacing a lost or stolen Passport.

Travel insurance is obviously not free. A travel insurance policy will cost you a premium, and you might not need it. However, it is for the best to remain prepared for unforeseen circumstances. But before buying travel insurance for a cruise, it is important to compare policies. Since there are many different travel insurance companies, make sure to read the fine print so you know what exactly is covered and choose a policy that meets your specific needs. Whether you want coverage for trip cancellation, medical expenses, interruption or something else, read the policy document carefully, and understand the plan’s inclusions, limitations, and exclusions.


Whether you should buy travel insurance is up to you. However, the peace of mind that comes from knowing that you have protection in the event of an unanticipated catastrophe might well be worth the investment. Remember to compare the features of various policies and choose one that’s the right match for your requirements.

  • Looking for tailored advice?

    Schedule a call with our insurance advisors

  • OR
  • Call us:

    1800 2666
Please enter valid name
Please enter a valid mobile number
Please select the Category

Subscribe to our newsletter

Understand insurance better by reading our helpful guides, articles, blogs and other information.

Please enter valid name
Please enter valid Email