Cruise Travel Insurance: Travel Insurance Specifically for Cruising

Don’t settle for travel insurance that only covers some aspects of your cruise.

WaveCare® is a comprehensive cruise travel insurance plan with enhanced medical and luggage benefits, cruise-ship disablement, and more.

Backed by the financial security of Berkshire Hathaway Specialty Insurance.

“I needed to change my cruise date, and they were easy to work with and helpful, and I will be sticking with this group for years to come.”

– Kelly D. 

Don’t Gamble With Your Cruise Investment.

A cruise is a big investment – but you might be waving ”aloha” to that investment if you don’t protect it from: 

  • Medical emergencies
  • Unexpected cruise cancellations
  • Travel delays
  • Lost luggage
  • Cruise-ship disablement

Cruise insurance from Berkshire Hathaway Travel Protection is there to protect you when these issues strike – and with our 24/7 travel assistance, you’ll never be left stranded with no one to contact.

Illustration of a person in front of a cruise ship and emergency helicopter

Cruise Travel insurance protects your investment … and you.

WaveCare® from Berkshire Hathaway Travel Protection is easy, full-featured cruise trip insurance, specially designed for cruise related issues listed below.  

With all these issues, you can count on:

  • Quick quotes: Get covered in as little as five minutes
  • Clear coverage: Receive coverage details in clear, easy-to-understand language
  • Easy claim submissions: File most claims in seconds, with just a picture from your phone – and without piles of forms
  • Fast payments: Get your claims paid up to five times faster than industry averages*
  • Help when you need it: Count on 24/7 emergency travel assistance
Emergency Medical Insurance
Emergency Medical Insurance
Up to $75,000
($500 dental max) Note: Coverage is primary If purchased within 15 days of making initial trip deposit
Can cover medically necessary expenses if you're injured or get sick while on your trip.
Emergency Evacuation & Repatriation Of Remains
Emergency Evacuation & Repatriation Of Remains
Up to $750,000
Can provide coverage for emergency medical evacuation and related medical services/supplies to the nearest adequate medical facility or the city of burial, in case of death.
Cruise Cancellation Insurance
Cruise Cancellation Insurance
100% of trip cost
(Up to $25,000/person)
Can reimburse you for non-refundable trip payments up to your trip cost if you have to cancel your trip due to an unforeseen covered reason listed in the policy.
Cruise Interruption Insurance
Cruise Interruption Insurance
Up to 150% of trip cost
($37,500 max per person)
Can reimburse you for unused, non-refundable trip payments and additional expenses up to the stated percentage of your trip cost to transport you home or to a point where you can continue your trip. The interruption must be due to an unforeseen covered reason listed in the policy.
Cruise Interruption – Return Air Only
Cruise Interruption – Return Air Only
Up to $1,000
(Applies if $0 Trip Cost was selected at time of purchase)
Can reimburse you for additional transportation expenses to reach your return destination due to one of the unforeseen events covered under trip interruption.
Cruise Delay
Cruise Delay
Up to $1,000
($200/day) (5 hours or more)
Can reimburse you for additional meals, accommodations, and stated miscellaneous expenses if your travel is delayed by a covered unforeseen reason for the number of hours your policy specifies.
Missed Connection
Missed Connection
Up to $500
(3 hours or more)
Can reimburse you if you experience a covered delay which causes you to miss your flight, cruise or other covered transportation's departure.
Cruise-Ship Disablement
Cruise-Ship Disablement
(Fixed benefit)
Pays a fixed benefit if you are confined to your cruise ship without one or more of the following: power, food, water, or restroom facilities for the time period listed in the policy.
Baggage & Personal Effects
Baggage & Personal Effects
Up to $1,500
Can reimburse you if your luggage and travel documents are lost, damaged or stolen while you are traveling.
Baggage Delay
Baggage Delay
Up to $200
(24 hours or more)
Can reimburse you for the purchase of necessary personal effects if your luggage is delayed for the time period specified in your policy. This benefit does not apply if baggage is delayed while traveling to your return destination.
Accidental Death & Dismemberment
Accidental Death & Dismemberment
Up to $10,000
Can cover you if you die, lose certain body parts, or lose use of those body parts while on a covered trip.
Accidental Death & Dismemberment (Common-Carrier Air Only)
Accidental Death & Dismemberment (Common-Carrier Air Only)
Up to $50,000
(If purchased within 15 days of making initial trip deposit)
Can cover you if you die, lose certain body parts, or lose use of those body parts while riding as a passenger on a scheduled commercial airliner during a covered trip.
Bonus Coverages  (Only available if policy is purchased within 15 days of initial trip deposit)
Pre-Existing Condition Waiver
Pre-Existing Condition Waiver
If all conditions are met, the pre-existing medical condition exclusion will be waived up to the maximum listed in the policy.
Emergency Medical Insurance (Primary)
Emergency Medical Insurance (Primary)
Up to $75,000
Can cover medically necessary expenses if you're injured or get sick while on your trip.
Services & Features
24/7/365 Worldwide Travel Assistance
24/7/365 Worldwide Travel Assistance
Provides a range of assistance and concierge services, including lost-baggage search, cash advance assistance, flight rebooking, restaurant reservations, directions, event ticketing, roadside assistance and more. Any additional costs (for lodging, transportation, meals, etc.) are the responsibility of the traveler.

Cruise Trip Insurance With The Strength of Berkshire Hathaway Travel Protection.

Berkshire Hathaway Travel Protection has been protecting cruises for years, and is backed by Berkshire Hathaway Specialty Insurance Company, which provides A.M. Best A++-rated financial security and strength – for peace of mind wherever you cruise.

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

– Ken B. 


"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.

Cruise Insurance Q&A 


What does cruise insurance cover?

Our plans include cruise cancellation insurance and cruise medical expense coverage, trip interruption, medical evacuation, and coverage for lost, damaged, or stolen luggage.* WaveCare adds a cruise disablement fixed benefit – in case your cruise is disabled and unable to arrive in port.

Can you buy cruise insurance after booking?

Yes – and if you buy within 15 days of making your initial cruise deposit, you qualify for bonus coverages, like coverage for pre-existing medical conditions and financial default. However, you can also buy coverage up until the day before you leave.

How much does cruise insurance cost?

Cruise insurance can cost from 5% to 10% of your total trip cost, though that amount can be influenced by:

  • Your age
  • How much you’re spending on your trip
  • The amount of coverage you’re choosing
  • The number of people covered under your policy
  • Where you are cruising

As with any travel insurance, it pays to look around and compare to find the best cruise insurance policy for you. 

Is trip insurance worth it for a cruise?

Absolutely – cruise trip insurance is worth it because it can help reimburse you for 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.

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

A medical emergency on a cruise could mean thousands of dollars of bills that you have to pay. Cruise health insurance can help pay if you get sick or injured when you’re onboard, and can cover costs to evacuate you to an adequate onshore medical facility.

Should I insure my cruise?

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


Is WaveCare right for me?

Is your cruise booked months out?  Is your cruise payment protected if you’re forced to cancel for a covered reason? Do you have adequate coverage if a medical emergency occurs while you’re at sea? WaveCare may be your best travel insurance option.

More Information On Cruise Insurance

* 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 debit card, PayPal or other EFT method is chosen as preferred payment method. Speed of transaction varies by processing financial institution.

Please visit our Disclaimer page for underwriter info. Policies have exclusions and limitations. For complete details of coverage, contact BHTP by calling 844-411-2487, or emailing us at

Berkshire Hathaway Travel Protection (BHTP) is a registered trademark and a subsidiary of Berkshire Hathaway Specialty Insurance Company (BHSI), a leader in specialized casualty and liability insurance.  The information contained herein has been obtained from sources believed to be reliable.  BHTP disclaims all warranties as to the accuracy, completeness or adequacy of such information.  The opinions expressed herein are subject to change without notice.

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