
What Is Cruise Insurance?
A cruise is a big investment; you should consider protecting it with cruise insurance. And while you probably know a lot about auto or home insurance, you may not know what cruise insurance is – and how it can help you.
A cruise is a big investment; you should consider protecting it with cruise insurance. And while you probably know a lot about auto or home insurance, you may not know what cruise insurance is – and how it can help you.
Cruise insurance is there to help protect you when certain things go wrong on your cruise, and can reimburse you for money you’ve already spent on the cruise and additional prepaid expenses like shore excursions if you need to cancel or interrupt your trip.
If you think cruise vacations can’t have issues, think about storms delaying your arrival to your original departure port of call. Or a medical emergency while cruising. Or your luggage not making it on the cruise with you.
Cruise insurance can help in all these instances.
You should consider buying cruise insurance if you’re worried that:
These are very real scenarios that happen to cruise vacationers all the time.
For more detail about how travel insurance can help in these scenarios, visit our page titled “Do You Need Special Travel Insurance For A Cruise?”
Cruise insurance is simple protection for cruises. Buy it before you leave on your cruise (ideally within two weeks of making your initial trip deposit) and rest easy, knowing you’re protected by the financial strength and security of A++-rated Berkshire Hathaway Specialty Insurance Company.
Should you have a problem on your cruise, we make claim submission easy – and we can pay as fast as a minute or two on approved claims, to an electronic banking account you specify.
Most cruise insurance plans cover medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage when you’re on a cruise.
Cruise insurance can also cover cruise-ship disablement and pre-existing conditions, depending on when you buy coverage.
Cruise insurance can protect you:
Cruise insurance can also protect your stuff – not only your possessions but the ship you’re sailing on:
Finally, cruise insurance can help protect your experiences by reimbursing you for unused prepaid, non-refundable expenses if covered circumstances force you to cancel or interrupt your trip.
To get into coverage specifics, visit “What Does Cruise Insurance Cover.”
learn more about our cruise insurance plan
The best time to buy cruise insurance is right after booking – but depending on your cruise style and your coverage preferences, you can buy cruise insurance almost up until the moment your cruise sets sail.
It’s helpful to keep in mind that if you buy cruise insurance within two weeks of making the first deposit on your trip, you can often qualify for bonus coverages.
Besides right after booking, other great times to buy cruise insurance include:
Get more information on the best times to buy cruise insurance here.
Cruise insurance can cost from 5% to 10% of your total trip cost, though that amount can be influenced by:
And some plans may even factor into the price:
You can learn more about the cost of cruise insurance on our “How Much Is Cruise Insurance?” page.
As you might expect, the places where you buy cruise insurance are the places where you buy cruises, plus the places where you buy insurance.
Basically, that means:
1. Directly from an insurance company
2. Online through an insurance aggregator
3. Through a cruise professional
4. Through an insurance agent
5. Through a cruise supplier
6. Through a credit card
If your travel professional doesn’t offer you cruise insurance when you book, ask about it. If you book online, search for “cruise insurance” after you book to get the widest selection.
It’s important to choose insurance specifically designed for cruises, like WaveCare® from Berkshire Hathaway Travel Protection. WaveCare includes cruise-specific coverages that many other travel protection plans lack.
You can find out more about buying through these specific channels on our page titled “Where Do I Buy Cruise Insurance?”
Buying cruise insurance is simple. All it takes is five steps:
1. Answer a few questions
2. Get a quote
3. Choose your plan
4. Review the coverage and read your policy
5. Buy coverage
If you have second thoughts, many plans let you cancel coverage without obligation for a time after you buy the policy.
Buying directly from Berkshire Hathaway Travel Protection is one of the easiest ways to buy cruise insurance. Getting a quote is fast, and there’s no obligation.
For more information about the cruise-insurance buying process, visit our page titled “How Do I Buy Travel Insurance For A Cruise?”
And if you’re ready to get a cruise insurance quote, we’re ready to help.
get a quote
The product descriptions provided here are only brief summaries. Coverage and benefits will vary depending on product and state of residency. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. Travel Insurance is underwritten by Berkshire Hathaway Specialty Insurance Company; NAIC #22276.
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