Best Cruise Insurance Plans Of 2025

The Atlas Journey Elevate policy stands out for its excellent medical evacuation benefits. We also like its wide range of add-on benefits. These include “cancel for any reason,” “interruption for any reason” and extra coverage for pets traveling with you, adventure sports, medical expenses and more.

More: WorldTrips Travel Insurance Review

Here’s a look at top coverage types that are included in the WorldTrips Atlas Elevate policy.

Coverage type	Coverage limit
Accidental death & dismemberment	$50,000 per person
Baggage delay	$600 per person Covered after 12 hour delay
Baggage & personal items	$2,500 per person $500 per item
Cancel for work reasons	Included
Hurricane & weather	Covered after a common carrier delay for 12 hours
Emergency medical	$250,000 per person
Employment layoff	Covered after 30 day wait if employed for one continuous year
Medical evacuation & repatriation	$1 million per person
Missed connection	$1,500 per person Covered after 3 hour delay
Non-medical evacuation	Not included but upgrade available
Travel delay	$2,000 per person $200 daily limit Covered after 5 hour delay
Trip interruption	150% of the trip cost

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

See MoreSee Less

Also included:

• Travel inconvenience benefits of $750 for specified problems. These include if your arrival home is delayed due to a transportation delay and you can’t work for at least two days, your flight lands at a different airport than scheduled, your passport is stolen and can’t be reissued, and more.

Optional add-ons offered:

• Adventure sports add-on to extend coverage to safaris, bungee jumping and more.
• “Cancel for any reason” and “interruption for any reason” coverage.
• Rental car theft and damage coverage of $50,000.
• School activities coverage if trip has to be canceled due a test, sporting event, etc.

We recommend Nationwide’s Cruise Luxury plan because it provides an array of extensive benefits such as “interruption for any reason” and “cancel for work reasons.” Some competitors don’t offer any of those perks. We also like that it includes benefits for delays in your ship’s arrival to the next port of call, superior missed connection coverage and evacuation benefits—all at a decent price.

More: Nationwide Travel Insurance Review

Here’s a look at whether top coverage types are included in Nationwide’s Cruise Luxury policy.

Coverage type	Coverage limit
Accidental death & dismemberment	$25,000 per person
Baggage delay	$1,000 per person Covered after 6 hour delay
Baggage & personal items	$2,500 per person $500 per item $1,000 specific items limit
Cancel for work reasons	Included
Emergency medical	$150,000 per person
Employment layoff	Covered if employed for 3 continuous years
Hurricane & weather	Covered after a common carrier delay for 24 hours
Medical evacuation & repatriation	$1 million per person
Missed connection	$2,500 per person Covered after 3 hour delay Cruise and tour only
Non-medical evacuation	$25,000 per person
Travel delay	$1,000 per person $200 daily limit Covered after 6 hour delay
Trip interruption	150% of the trip cost

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

See MoreSee Less

Also included:

• Coverage if the CDC issues a health warning at your destination.
• Coverage for extension of the school year, terrorism in an itinerary city, work-related emergency issues.
• “Interruption for any reason” up to $1,000.
• Inconvenience benefit of $250 per person if your cruise ship’s arrival at the next port of call is delayed for two or more hours due to mechanical breakdown or fire.

Optional add-on offered:

• If you cancel two or more days prior to your departure for a reason not listed in the base policy, CFAR provides 75% compensation of your insured trip cost.

The Luxe policy stood out in our analysis because it has superior benefit limits across the board. We also liked its generous evacuation coverage, short waiting periods for delays and wide range of optional benefits.

More: PrimeCover Travel Insurance Review

Here’s a look at whether top coverage types are included in the PrimeCover Luxe policy.

Coverage type	Coverage limit
Accidental death & dismemberment	$50,000 per person
Baggage & personal items	$3,000 per person $500 per item $1,000 specific items limit
Baggage delay	$600 per person Covered after 8 hour delay
Cancel for work reasons	Not included
Emergency medical	$250,000 per person
Employment layoff	Covered if employed for one continuous year
Hurricane & weather	Covered after a common carrier delay of 12 hours
Medical evacuation & repatriation	$1 million per person
Missed connection	$1,500 per person Covered after 3 hour delay
Non-medical evacuation	$100,000 per person
Travel delay	$3,000 per person $250 daily limit Covered after 6 hour delay
Trip interruption	200% of the trip cost

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

See MoreSee Less

Also included:

• Benefits of $300 for changing original travel arrangements, such as transferring airlines.
• Benefits of $500 for itinerary change.
• Benefits of $500 for lost golf fees and $150 lost ski/snowboard.
• Benefits of $1,500 for rental property damage liability.
• Benefits of $5,000 for search and rescue.
• Coverage of $1,000 for sports equipment rental.
• Travel inconvenience coverage of $100 each for closed attractions and flight diversions.

Optional add-on coverage includes:

• Choices of $100,000, $250,000 and $500,000 for AD&D flight-only coverage.
• “Cancel for any reason” upgrade.
• Increased coverage choices of $4,000 or $7,000 for trip delay.
• “Interruption for any reason” upgrade.
• Rental car damage coverage of $50,000.

We like TravelSafe’s Classic because it provides superior missed connection and evacuation benefits. It also has very good trip interruption and hurricane and weather coverage at a competitive price.

More: TravelSafe Travel Insurance Review

Here’s a look at whether top coverage types are included in the Classic Plus policy.

Coverage type	Coverage limit
Accidental death & dismemberment	$25,000 per person
Baggage delay	$250 per person Covered after 12 hour delay
Baggage & personal items	$2,500 per person $300 per item $600 specific items limit
Cancel for work reasons	Included
Emergency medical	$100,000 per person Primary coverage
Employment layoff	Covered after 14 day wait if employed for one continuous year
Hurricane & weather	Covered after a common carrier delay of 12 hours
Medical evacuation & repatriation	$1 million per person
Missed connection	$2,500 per person Covered after 3 hour delay
Non-medical evacuation	$25,000 per person
Travel delay	$2,000 per person, $150 daily limit Covered after 6 hour delay
Trip interruption	150% of the trip cost

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

See MoreSee Less

Also included:

• Compensates $300 for fees if you have to redeposit frequent traveler awards for reasons covered by your trip cancellation insurance.
• If your return home is delayed by 24 hours or more due to a reason covered in your policy, the policy includes $100 of pet kennel coverage.
• If your travel supplier makes a change that forces you to lose non-refundable costs for missed activities, you’re eligible for $250 per person for itinerary changes.

Optional add-ons offered:

• Accidental death and dismemberment for flights, up to $500,000 per person.
• Business equipment and sports equipment coverage of $1,000 if lost, stolen or damaged.
• “Cancel for any reason” coverage of 75% of lost trip costs.
• Up to $35,000 in rental car damage and theft.

AXA’s Platinum plan stood out in our analysis because it hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including non-medical evacuation coverage and baggage insurance.

More: AXA Assistance USA Travel Insurance Review

Here’s a look at whether top coverage types are included in AXA’s Platinum policy.

Coverage type	Coverage limit
Accidental death & dismemberment	$50,000 per person
Baggage delay	$600 per person Covered after 12 hour delay
Baggage & personal items	$3,000 per person $500 per item $1,000 specific items limit
Cancel for work reasons	Included
Emergency medical	$250,000 per person
Employment layoff	Covered if employed for 1 continuous year
Hurricane & weather	Covered after a common carrier delay of 48 hours
Medical evacuation & repatriation	$1 million per person
Missed connection	$1,500 per person Covered after 3 hour delay Cruise and tour only
Non-medical evacuation	$100,000 per person
Travel delay	$1,250 per person $300 daily limit Covered after 12 hour delay
Trip interruption	150% of the trip cost

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

See MoreSee Less

Optional add-ons offered:

• “Cancel for any reason” coverage.
• Lost golf rounds.
• Lost ski days.
• Rental car damage coverage of $50,000.

We like Seven Corners’ Trip Protection Choice plan because of its great upgrade options and excellent benefits. These include unrivaled medical coverage limits, non-medical evacuation and very good missed connection benefits.

More: Seven Corners Travel Insurance Review

Here’s a look at whether top coverage types are included in the Seven Corners Trip Protection Choice policy.

Coverage type	Coverage limit
Accidental death & dismemberment	$20,000 per person
Baggage delay	$500 per person $100 daily limit Covered after 6 hour delay
Baggage & personal items	$2,500 per person $250 per item $1,000 specific items limit
Cancel for work reasons	No coverage
Emergency medical	$500,000 per person
Employment layoff	Covered after 30 day wait if employed for 1 continuous year
Hurricane & weather	Covered after a common carrier delay of 48 hours
Medical evacuation & repatriation	$1 million per person
Missed connection	$1,500 per person Covered after 3 hour delay Cruise and tour only
Non-medical evacuation	$20,000 per person
Travel delay	$2,000 per person $250 daily limit Covered after 6 hour delay
Trip interruption	150% of the trip cost

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

See MoreSee Less

Also included:

• Accidental death and dismemberment coverage of $40,000 per person for qualifying common carrier events.
• Change fee compensation of $300 per person if you have to change your flight or original travel arrangements due to qualifying events.
• Coverage of $500 for pet kennel benefits if your return home is delayed by six hours or more due to qualifying missed connection, interruption or delay problems.
• Frequent traveler coverage of $500 to pay for the cost to redeposit awards due to a trip cancellation caused by a reason listed in your policy.

Optional add-ons offered:

• Event ticket fee registration coverage of $15,000 if you can’t attend an event due to unforeseen reasons listed in trip cancellation and interruption coverage.
• “Cancel for any reason” coverage.
• Coverage of $35,000 for rental car damage.
• Golf and sports equipment rental coverage up to $5,000.
• “Interruption for any reason” coverage.

We picked Trawick’s Safe Travels First Class policy because it provides solid benefits at a great average cost—it’s the fourth cheapest among the 12 top-rated plans we evaluated. We also like that it includes high medical evacuation limits and good missed connection coverage.

More: Trawick Travel Insurance Review

Here’s a look at whether top coverage types are included in Trawick’s Safe Travels First Class policy.

Coverage type	Coverage limit
Accidental death & dismemberment	$10,000 per person
Baggage delay	$400 per person Covered after 12 hour delay
Baggage & personal items	$2,000 per person $500 per item $500 specific items limit
Cancel for work reasons	No coverage
Emergency medical	$150,000 per person
Employment layoff	Covered if employed for 5 continuous year
Hurricane & weather	Covered after a common carrier delay of 48 hours
Medical evacuation & repatriation	$1 million per person
Missed connection	$1,000 per person Covered after 3 hour delay Cruise and tour only
Non-medical evacuation	None
Travel delay	$1,000 per person $200 daily limit Covered after 12 hour delay
Trip interruption	150% of the trip cost

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

See MoreSee Less

Also included:

• Common carrier accidental death and dismemberment coverage of $25,000.
• Coverage for sports fees.

Add-ons:

• Coverage of $50,000 for rental car damage.
• “Cancel for any reason” upgrade that allows you to recoup 75% of insured trip costs if you cancel at least 48 hours prior to departure.

Generali’s Premium policy got our attention because of its very good benefits at a decent average price. We like the Premium policy’s generous time frame for getting coverage for pre-existing conditions, excellent trip interruption insurance and medical coverage. It also includes and includes generous benefits for rental car damage and accidental death.

More: Generali Global Assistance Travel Insurance Review

Here’s a look at whether top coverage types are included in the Generali Premium policy.

Coverage type	Coverage limit
Accidental death & dismemberment	$50,000 per person $100,000 policy limit
Baggage delay	$500 per person Covered after 12 hour delay
Baggage & personal items	$2,000 per person
Cancel for work reasons	No coverage
Emergency medical	$250,000 per person Secondary coverage
Hurricane & weather	Covered after a common carrier delay for any length of time
Employment layoff	Covered after 14 day wait if employed for 1 continuous year
Missed connection	$1,000 per person Covered after 3 hour delay Cruise and tour only
Medical evacuation & repatriation	$1 million per person
Non-medical evacuation	No coverage
Travel delay	$1,000 per person $300 daily limit Covered after 6 hour delay
Trip interruption	175% of the trip cost

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

See MoreSee Less

Also included:

• Coverage of $52,000 for rental car theft and damage.
• Coverage of $2,000 for sporting equipment.
• Coverage of $500 for sporting equipment delay.

Optional add-on offered:

• “Cancel for any reason” upgrade that compensates you 60% of your insured trip cost if you cancel at least 48 hours prior to your scheduled departure.

We recommend John Hancock’s Gold policy if you want a short travel delay waiting period and high medical and evacuation limits. The Gold plan also has the highest limits ($100,000) for accidental death and dismemberment of the plans we reviewed. It also stands out because it  includes very good trip interruption, baggage and missed connection coverage.

More: John Hancock Travel Insurance Review

Here’s a look at whether top coverage types are included in the John Hancock Gold policy.

Coverage type	Coverage limit
Accidental death & dismemberment	$100,000 per person
Baggage delay	$500 per person Covered after 12 hour delay
Baggage & personal items	$2,500 per person $250 per item $2,500 specific items limit
Cancel for work reasons	No coverage
Emergency medical	$250,000 per person
Employment layoff	Covered if employed for 3 continuous years
Hurricane & weather	Covered after a common carrier delay of 48 hours
Missed connection	$1,000 per person Covered after 3 hour delay
Medical evacuation & repatriation	$1 million per person
Non-medical evacuation	No coverage
Trip interruption	150% of the trip cost
Travel delay	$1,000 per person $200 daily limit Covered after 3 hour delay

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

See MoreSee Less

Also included:

• Coverage for sports fees and equipment loss.
• Coverage of $200 for ticket change fees if delayed by one hour or more.

Optional add-ons:

• Coverage of $300,000 or $500,000 for flight-only accidental death and dismemberment.
• Rental car collision coverage of $50,000.
• “Cancel for any reason” upgrade providing 75% of insured trip costs if you cancel at least 48 hours before your departure.

While pricing is higher than most other top plans, we chose USI’s Diamond plan for its solid range of top-level benefits, including first-rate medical and evacuation benefits and very good missed connection coverage. It also has a short waiting period for travel delays—six hours compared to 12 hours for some top-rated competitors.

More: USI Affinity Travel Insurance Review

Here’s a look at whether top coverage types are included in the USI Affinity Diamond policy.

Coverage type	Coverage limit
Accidental death & dismemberment	$50,000 per person
Baggage delay	$500 per person $500 per day Covered after 12 hour delay
Baggage & personal items	$2,500 per person $300 per item $500 specific items limit
Cancel for work reasons	No coverage
Emergency medical	$500,000 per person
Employment layoff	Covered if employed for 3 continuous year
Hurricane & weather	Covered after a common carrier delay of 48 hours
Medical evacuation & repatriation	$1 million per person
Missed connection	$1,500 per person Covered after 3 hour delay Cruise and tour only
Non-medical evacuation	None
Travel delay	$1,500 per person $250 daily limit Covered after 6 hour delay
Trip interruption	150% of the trip cost

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

See MoreSee Less

Also included:

• Coverage for sports fees.
• Rental car damage benefits of $1,000.
• Flight-only accidental death and dismemberment coverage of $10,000.

Add-ons:

• “Cancel for any reason” upgrade providing reimbursement of 75% of prepaid, non-refundable trip costs if you cancel at least 48 hours before departure.

Travel Guard’s Preferred plan is one of our favorites because it provides solid benefits at a very low average price. Optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades allow you to customize a policy to fit your needs.

Additionally, the Preferred plan includes benefits if (under certain conditions) you must start your trip earlier than planned—a feature not found in all policies.

More: Travel Guard Travel Insurance Review

Here’s a look at whether top coverage types are included in Travel Guard’s Preferred policy.

Coverage type	Coverage limit
Accidental death & dismemberment	$30,000 per person
Baggage delay	Covered after a 12 hour delay $300 maximum
Baggage & personal items	$1,000 per person
Cancel for work reasons	Included
Emergency medical	$50,000 per person
Employment layoff	Covered if employed for 1 continuous year
Hurricane & weather	Included
Medical evacuation & repatriation	$1 million per person
Missed connection	$1,000 per person
Non-medical evacuation	No, but bundle available
Travel delay	Covered after a 5 hour day $200/day $800 maximum
Trip interruption	150% of trip cost

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

See MoreSee Less

Also included:

• Ancillary evacuation benefits up to $5,000 for expenses related to return of children, bedside visits, baggage return and more.
• Flight accidental death and dismemberment coverage of $100,000 per person.
• Travel inconvenience benefits of $750 total ($250 per problem) if you encounter issues such as closed attractions, cruise diversion, hotel infestation, hotel construction and more.
• Trip exchange benefits of 50% of your trip cost that pay the difference in price between your original reservation and the new one.

Optional add-ons offered:

• Adventure Sports Bundle for adventure and extreme activities.
• Boarding and medical expenses for illness or injury of dog or cat while traveling is covered with the Pet Bundle. Includes trip cancellation or trip interruption if your pet is in critical condition or dies within seven days before your departure.
• “Cancel for any reason” upgrade that reimburses 50% of insured trip costs.
• Rental vehicle damage coverage of $50,000.
• Wedding Bundle to cover trip cancellation due to wedding cancellation. Note that brides and grooms are excluded from this benefit.
• You’re allowed to add a person to your policy who will qualify for family member-related unforeseen events that can apply to claims for trip cancellation and interruption with the “Name Your Family” upgrade.

We were impressed byHTH’s TripProtector Preferred policy which is packed with luxury-level benefits and has a short waiting period for hurricane and weather. It also stands out for its superior medical and evacuation benefits and trip interruption coverage, but it also comes with a high average price.

More: HTH Worldwide Travel Insurance Review

Here’s a look at whether top coverage types are included in the HTH Worldwide TripProtector Preferred policy.

Coverage type	Coverage limit
Accidental death & dismemberment	$50,000 per person
Baggage delay	$400 per person Covered after 12 hour delay
Baggage & personal items	$2,000 per person $500 per item $1,000 specific items limit
Cancel for work reasons	No coverage
Emergency medical	$500,000 per person
Employment layoff	Covered if employed for 1 continuous year
Hurricane & weather	Covered after a common carrier delay of 6 hours
Missed connection	$1,000 per person Covered after 3 hour delay Cruise and tour only
Medical evacuation & repatriation	$1 million per person
Non-medical evacuation	No coverage
Trip interruption	200% of the trip cost
Travel delay	$2,000 per person $200 daily limit Covered after 6 hour delay

We’re showing top coverage types but other benefits are also included in this plan. Check the policy for more details.

See MoreSee Less

Also included:

• Coverage of $35,000 for rental car damage and theft.
• Coverage of $250 for pet medical expenses if your dog or cat traveling with you gets injured or sick during your trip.

Optional add-on offered:

• “Cancel for any reason” upgrade that compensates you 75% reimbursement of trip costs if you cancel at least two days prior to your scheduled departure.