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Cruise insurance

Cruise ships are a unique and relaxing way to see the world, where the ride is as enjoyable as any stop along the way. Whether cruising around the Caribbean or the Mediterranean, help ensure that you’re not left high and dry with comprehensive cruise insurance. We'll have you covered from the time you ship off to the moment you are back on familiar soil.

Benefits of our cruise insurance plans:

  • Coverage for trip cancellation, travel delays, lost or stolen baggage and more!
  • Emergency accident and sickness medical and medical evacuation
  • Coverage for missed cruise departure
  • Up to two kids covered per adult at no additional charge
  • Pre-existing conditions waiver available

Plan detail and coverages

  Silver Cruise Gold Cruise Platinum Cruise
Trip cancellation 100% 100% 100%
Trip interruption 150% 150% 150%
Travel delay $500 $750 $1,000
Missed cruise departure $500 $750 $1,000
Emergency medical expense $15,000 $25,000 $50,000
Baggage and personal effects $500 $750 $1,000
Baggage delay $200 $300 $500
Medical Transportation & Repat $100,000 $500,000 $1,000,000
Pre-paid shore excursions
Cabin confinement
Onboard medical
Ship to shore medical evacuation
Air Flight Accident (ADD-flight only) $15,000 $25,000
Travel Accident (ADD) $25,000 $25,000
Pre-Existing Condition coverage**
Cancel For Financial Default*
24 hr emergency assistance
Concierge services
Roadside Assistance

*available if plan purchased within 14 days of initial trip deposit date.
**available if plan purchased within 14 days of initial trip deposit date for travelers age 70 and under.

Hold the boat

Before you embark, you first have to make it to the ship. Sometimes this is easier said than done. Maybe you missed connecting flights due to carrier delays or had a fender bender on your ride to reach the dock. People can miss their cruise departure for any number of reasons and we're here to help compensate you up to $1,000 should you find yourself in an unfortunate situation.

What if you make it to the boat, but your baggage doesn't? Or, what if it doesn't leave with you at the end of the trip? Our low-cost plans provide coverage for lost luggage and personal effects, so if your things go overboard, your vacation plans won't.

Even if you and your luggage don't miss departure time, sometimes your boat does. Bad weather or boat malfunctions can delay or even cancel a trip. InsureandGo's cruise insurance has coverage for trip cancelations as well as delays.

Cruise protection from ship to shore

Once you've set sail, there are still plenty of possible hiccups on the high seas. Our cruise insurance offers coverage for a wide range of problems that might arise on a cruise vacation. They provide essential coverage from trip cancellation to medical evacuation. Should you need onboard medical attention, all of our plans cover it. If there is an illness that confines passengers to their cabins, we’ll even cover the unused days of your cruise.

If circumstances are especially dire and you need to be evacuated from the boat, our ship to shore evacuation will be there for you. We even offer coverage for pre-paid shore excursions, so that you're protected even when you aren't aboard the ship.

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Key benefits

  • 100% coverage for trip cancellation
  • Lost baggage and personal effects
  • Comprehensive medical coverage on international plans
  • 24/7 worldwide emergency assistance
  • Pre-existing conditions waiver available
  • Our 10 day satisfaction guarantee- if our travel policy is not to your satisfaction you may return it for a full refund!

Emergency numbers

In the event of an emergency overseas, call collect
305-913-1867

From within the US call toll free
888-568-5153

For other enquiries, please see our contact us page.