Some cruise insurance plans cover you when you get on the boat and end when you get off, leaving your flights unprotected. WaveCare and the ExactCare suite of plans  from Berkshire Hathaway Travel Protection add comprehensive protection for your flights and your cruise. It’s the most complete cruise protection you can buy.

And we make getting covered easy, fast, and effortless.  

  • Get a quote in a minute or two, and get covered in less time than it takes to get a cup of coffee from your favorite drive-up
  • Receive coverage details in clear, easy-to-understand language, with a minimum of jargon and lingo
  • Get your claims paid up to five times faster than industry average*
  • And rest easy knowing that if you need help, all our plans come with 24/7 emergency travel assistance

“Gave us the [peace] of mind we were looking for while on [our] vacation cruise.” 

– Ken B. 


A cruise is perfect for leaving your cares and worries behind. With cruise trip insurance from Berkshire Hathaway Travel Protection, you don’t have to worry about: 

  • Having to suddenly cancel your trip because of a medical emergency
  • Catching up with your cruise after a flight delay or missed connection
  • Figuring out what to wear because your luggage is lost, damaged, or delayed


And if you have a claim, rest easy. 
We pay many approved claims in a minute or less.*

“This travel insurance is easy to purchase and gives us peace of mind when we book our long cruises a year or more in advance.” 

– Carl B.

I want a cruise insurance quote!

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Illustration of a cruise ship


Berkshire Hathaway Travel Protection has been protecting cruises for years, and is backed by Berkshire Hathaway Specialty Insurance Company’s A.M. Best A++ rated financial security and strength to give you peace of mind on all your waterborne excursions.



What does cruise insurance cover?

All our insurance plans cover medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage.* WaveCare then adds to these standard coverages a cruise disablement fixed benefit – a payment for your inconvenience if your cruise is disabled and unable to arrive in port.


Can you buy cruise insurance after booking?

Yes! That’s a great time to buy travel insurance for a cruise holiday. If you buy within 15 days of making your initial cruise deposit, you can often qualify for bonus coverages, like coverage for pre-existing medical conditions and tour-supplier bankruptcy protection. However, if you’re a procrastinator, many plans let you buy coverage up until the day before you leave.

"Although I did not have to use the Berkshire Hathaway Travel protection for the four members of my family on a two-week cruise, the coverage I received was very clearly explained and documented. I had no fear that had I needed to enforce the travel protection due to illness of one or more in my party or had I needed to cancel the trip, I would have been able to do so without a problem. I consider the insurance protection an investment well spent."

- Joe P

Is trip insurance worth it for a cruise?

Absolutely! Travel insurance is often worth the investment for its potential to help reimburse you for hundreds of thousands of dollars of covered expenses like emergency evacuation, medical bills, and costs related to trip cancellation and interruption. The U.S. State Department includes travel insurance as a key component of its traveler’s checklist.[1]

Do I need cruise medical travel insurance, or health insurance while on a cruise?

Not all medical plans will cover you when you travel overseas. If you have a medical emergency when you’re cruising, you could be faced with thousands of dollars of bills that you have to pay on the spot. Travel insurance can help pay hospital and doctor bills if you get sick or injured when you’re onboard, and can cover the cost of the medical evacuation to transport you from ship to shore to an adequate medical facility.


Should you get travel insurance for a cruise?

Savvy cruisers do. If you’re not sure, ask your travel professional, or someone who’s gone on multiple cruises.


Let Berkshire Hathaway Travel Protection protect your dream cruise with easy, comprehensive, fast-paying travel insurance. We make taking it easy … easier.

I want a cruise insurance quote!

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* Not all coverages available on all products. Check product descriptions for details. Providing flight information is required for BHTP to track and pay claims automatically. Fastest payments on approved claims when PayPal or other EFT method is chosen as preferred payment method. Speed of transaction varies by processing financial institution.

The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. If you have questions about coverage available under our plans, please review the policy or contact us at 844-411-2487 or Please visit for underwriter information.

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