Cruise insurance
Travel insurance for cruise holidays with cover for pre-existing medical conditions.
- Cover for pre-existing medical conditions
- For ocean and river cruises
- No upper age limits
Awards & Accreditations
Total Travel Protection is brought to you by Ancile Insurance Group Limited who have been specialising in travel insurance cover for medical conditions and older travellers since 2010.
Travel insurance for cruise holidays
When you get a quote for travel insurance with us you will be asked ‘Are you going on a cruise?’. If you select yes, our optional cruise extension will be automatically included in your quote, providing these additional benefits:
• Cabin confinement cover
• Missed port departure protection
• Itinerary change compensation
• Unused excursions reimbursement
• Cruise interruption cover
You can remove the extension on the Additional Cover Options page, where you’ll also see the premium. Without it, standard cover still applies and you will be covered to go on a cruise holiday, but you won’t receive these extra benefits.
Cruise extension cover and benefits
- 24-hour emergency medical assistance
- Emergency medical & repatriation up to £10 million (Platinum Cover)
- Cancellation cover up to £6,000 (Platinum Cover)
- Baggage up to £3,000 (Platinum Cover)
- Cover for mobility aids and prescription medication
- Cabin confinement: A benefit of up to £2,000 (Platinum Cover) if you are confined to your cabin for more than 24 hours due to illness or injury.
- Missed port departure: Covers the reasonable cost of joining the cruise at the next available port should specific problems arise such as an undrivable vehicle due to mechanical failure, an accident or public transport delays beyond your control preventing you from checking in on time.
- Itinerary change: Covers port visit cancellations due to weather or timetable issues.
- Unused excursions: Provides cover if an accident or illness prevents you from taking a pre booked excursion due to hospitalisation.
- Cruise interruption: If you have your passport stolen on dry land or a temporary illness requires treatment on dry land then cruise interruption insurance covers additional travel and accommodation expenses incurred to reach the next port to rejoin your cruise.
All our policies include
Cruise holidays are covered as standard on all travel insurance policies from Total Travel Protection and if you do not wish to have the additional protection detailed above you are welcome to deselect the cruise extension and get a quote for the standard cover, which includes:
- 24-hour emergency medical assistance
- Emergency medical & repatriation up to £10 million (Platinum Cover)
- Cancellation cover up to £6,000 (Platinum Cover)
- Baggage cover up to £3,000 (Platinum Cover)
- Cover for mobility aids and prescription medication
Cruise insurance tip:
Tell us all the countries you will be visiting
Most cruises, particularly ocean cruises, will stop off in more than one country.
To make sure your travel insurance is valid if you require emergency medical treatment abroad, it is important to add all of the different countries to your policy.
Cruise insurance online or by phone
Our cruise insurance is available online, 24 hours a day, 365 days a year.
Alternatively, if you prefer to speak to someone about your requirements our expert team are just a phone call away.
You can call us on 0330 053 3747
We are open during the following times:
Monday to Friday 9am - 7pm. Saturday, Sunday and Bank Holidays 9am - 5.30pm.
Our cruise holiday insurance prices are the same whether you buy online or by phone, so you can choose whichever suits you best.
Additional cover options
Additional cover including gadget, natural catastrophe and waiting list cover can be selected during the quote process.
Natural catastrophe provides extra travel insurance cover for cancellation and unexpected additional expenses caused by catastrophic natural events such as hurricanes, fire, flood and volcanic eruptons. Read More
This optional cover extends your travel insurance to include cover for loss, theft and damage to your gadgets, such as phones, tablets and smartwatches whilst you are away on your holiday. Read More.
Our travel insurance policies provide cover for a number of sports and activities as standard, including trekking up to 2000 metres, sailing within 12 nautical miles of shore and glass bottomed boat trips. Additional cover for more adventurous activities can be added. Read More
Ideal for cruise, coach or rail holidays that start from an overseas location, our Missed Connection option extends your travel insurance to include cover for additional expenses if you miss a connecting flight, ferry, cruise ship, train, or motor vehicle as a result of a delay to your initial international outbound transport.
Our terrorism cover extension provides additional travel insurance cover to enable you to cancel or cut short your trip if a terrorist act occurs within a 40-mile radius of your pre-booked accommodation.
Additional cancellation and curtailment cover if you are on a waiting list for treatment or investigation for a diagnosed condition.
Cruise insurance FAQ
What is Cruise Travel Insurance, and why do I need it?
Cruise Travel Insurance is a specialised policy designed to cover unique situations that may arise during a cruise, such as missed port departures, cabin confinement due to illness, itinerary changes, and unused excursions. Standard travel insurance policies often do not cover these cruise-specific scenarios, making specialised cruise cover essential for comprehensive protection.
Do I need to declare pre-existing medical conditions?
Yes, it's crucial to declare all pre-existing medical conditions when purchasing your policy. This ensures you're adequately covered and prevents potential issues during a claim.
Can I get Cruise Travel Insurance if I have pre-existing medical conditions?
Yes, you can obtain cruise insurance even with pre-existing medical conditions. It's important to declare any such conditions during the application process to ensure appropriate coverage.
Are there age restrictions for obtaining Cruise Travel Insurance?
Total Travel Protection offers cruise cover with no upper age limit, ensuring travellers of all ages can enjoy their cruise with peace of mind.
Does the policy cover river cruises as well as ocean cruises?
Yes, our Cruise Insurance covers both ocean and river cruises. Ensure you specify the type of cruise during the application to tailor the coverage appropriately.
What should I do if I need to make a claim?
In the event of a claim, contact our claims department as soon as possible. Have your policy number, relevant documents, and any supporting evidence ready to expedite the process.
Emergency medical assistance
In the event of a medical emergency abroad please call:
+44 (0)2920 474133
Making a claim
For full details on how to make a claim please visit: Travel Claims Centre
If you wish to speak to a claims handler by phone, please call +44 (0)2920 474138
Are there any destinations not covered by the policy?
Our policy covers most global destinations. However, we do not provide coverage for countries or regions where the Foreign, Commonwealth & Development Office (FCDO) advises against all or all but essential travel. Always check the latest travel advisories before planning your trip.
What is considered a cruise for insurance purposes?
A cruise is defined as a trip on an ocean or river cruise ship where you stay onboard overnight with your own cabin. Ferry crossings, even overnight ones, do not count as cruises for insurance purposes.
Do I need to add an additional option to be covered for a cruise holiday?
No, all of our travel insurance policies provide cover for river and ocean cruises as standard.
Do I need to tell you that I will be going on a cruise?
We ask if you are going on a cruise so that we can present you with our most appropriate cover for cruise holidays, so please do tell us if you are going on a cruise.
What is the longest duration you can cover for a cruise holiday?
We can cruise holidays up to 94 days in duration.