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Cruise Line Travel Insurance Requirements

Cruise Line Travel Insurance Requirements

It's no secret that COVID-19 has changed the way many of us travel. More destinations than ever are now requiring travel insurance that can provide coverage for COVID-19 in order for you to be allowed entry.

Cruise lines are no exception. Many of the most popular cruise lines in the world have implemented travel insurance requirements for certain passengers starting in 2021. If you arrive in port without the required insurance coverage, you could be denied permission to board the ship, and lose out on your vacation plans.

In order to avoid being put in this situation, it is essential that you have proper cruise travel insurance in place before your trip begins. If you're planning to book a cruise on the following major cruise lines, be advised that they have all recently implemented travel insurance requirements for certain passengers. It is recommended to verify these requirements with your cruise line before you depart, to ensure you have the correct coverage in place.

Carnival Cruise Line

Beginning July 31st, 2021 for Florida ports, and August 2nd, 2021 for Texas ports, Carnival Cruise Line requires all unvaccinated guests 12 years of age or older to present proof of a travel insurance policy that provides a minimum of $10,000 in medical expense coverage per passenger, as well as $30,000 in emergency medical evacuation coverage. This coverage cannot contain COVID-19 exclusions.

Crystal Cruises

As of August 25th, 2021, Crystal Cruises requires all passengers age 12 and older to be fully vaccinated against COVID-19 at least 14 days prior to boarding their ship. However, the cruise line does allow some children age 11 and under who are ineligible for the vaccine to board. All unvaccinated children must be pre-approved from an initial waitlist, and have proof of travel insurance.

Disney Cruise Line

From August 1st to December 31st, 2021, all unvaccinated passengers leaving from Florida ports who are age 12 or older must provide proof of travel insurance with at least $10,000 in medical expense coverage per passenger, and $30,000 in emergency medical evacuation coverage. The travel insurance policy cannot have COVID-19 exclusions.

MSC Cruises

All unvaccinated passengers on ships in Europe must purchase travel insurance, and show proof of a negative COVID-19 PCR or antigen test taken no more than three days prior to departure.

Royal Caribbean

Effective August 1st to December 31st, 2021, all unvaccinated guests who are 12 years of ager or older must show proof of travel insurance if the ship is departing from a Florida port. The travel insurance policy must provide a minimum of $25,000 in coverage for medical expenses per passenger, and emergency medical evacuation coverage of at least $50,000. In addition, the coverage cannot have COVID-19 exclusions.

Getting Cruise Insurance Coverage

Even if you've been vaccinated against COVID-19 and aren't required by the cruise line to purchase insurance, it's not something you should go without. An illness or injury during your trip could be a costly affair, especially if you require emergency medical evacuation from the ship.

In addition, your trip may need to be cancelled or interrupted due to bad weather, a family emergency, or personal health reasons. Without insurance, you could have no way to recoup your prepaid, nonrefundable travel expenses.

For these reasons, it's essential to purchase travel medical insurance or trip cancellation insurance before your cruise. A travel medical insurance plan can include coverage for illnesses and injuries during your trip, emergency medical evacuation, trip interruptions, and other benefits. You can also purchase trip insurance, which can help protect your finances if you have to cancel your trip for a covered reason.

Where to Purchase Cruise Insurance

When booking a cruise, you may be offered insurance through the cruise line or travel company. While this might seem like a convenient way to purchase everything at once, it could end up costing you.

Cruise lines are in the business of selling cruises, and travel companies are in the business of selling trips. Insurance is often an afterthought. The coverage they offer typically only meets the bare minimum requirements, and is usually overpriced. It might only provide vouchers or credits instead of a legitimate claim payment, and may only cover travel arrangements booked through the cruise line. In addition, if you need to cancel your trip, cruise lines often only offer a cancellation waiver, which has more restrictions, and may not provide coverage for trip interruptions, or the need to cancel your trip at the last minute.

Plus, if you get sick or injured during your cruise, your medical expenses could easily exceed the $10,000 or $25,000 in medical coverage you get through the cruise line, leaving you to pay massive out-of-pocket costs yourself.

A much better option is to purchase travel medical insurance or trip cancellation insurance through a comparison website such as this one.

With us, you can compare and purchase travel medical insurance plans or trip insurance plans with up to $1,000,000 in emergency medical coverage, depending upon the plan you choose, coverage for all prepaid, nonrefundable travel expenses, such as airline tickets and shore excursions, and claim reimbursement paid out in actual U.S. dollars. Most importantly, you can compare plans and tailor your coverage to meet the exact needs of your trip.

Insurance is an essential part of planning any cruise, whether the cruise line requires it or not. To make sure your health and finances can be protected against the uncertainties of travel, always take the time to compare plans, and purchase sufficient coverage.


Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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