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Cruise Travel Insurance FAQ's

What is Cruise Travel Insurance?

Cruise travel insurance is a specific travel insurance policy that covers the activities and risks more likely to be associated with a cruise holiday in addition to the cover on a standard travel insurance policy.

What does Cruise Travel Insurance cover?

A cruise travel insurance policy will cover you for medical expenses that you need to pay if you fall ill or injure yourself while on your cruise liner or on land on one of the many excursion's you are sure to include.

It also includes repatriation cover should you need to be brought home early or transportation to a land based hospital if you need medical attention while cruising.

Cancellation cover is included from the day you purchase your policy and there is also cover for lost or stolen baggage or valuables. In addition to these benefits some insurers on our panel include cabin confinement and cruise interruption cover, which would cover you if you need treatment on dry land but are then passed fit and well to rejoin your cruise.

Cruise Travel Insurance for pre-existing medical conditions?

We specialise in helping people with pre-existing medical conditions get travel insurance and taking a cruise holiday is no exception. The medical screening process is easy and straightforward, just make sure you declare all conditions, if you need more help then just call us and we’ll be happy to give you a quote over the phone. We may need to charge an additional premium for some conditions, and this will be reflected by the condition, age and any other conditions you may have and includes having symptoms, tests, diagnosis or medical treatment for a condition.

Key Benefits of our Cruise Holiday Insurance

You can compare insurers and choose from 3 levels of cover for our single trip policies, bronze, silver and gold.

  • Cruise holidays can be from 1 day - 365 days
  • Emergency medical and repatriation expenses up to £15 million
  • No upper age limit
  • Cover for pre existing medical conditions
  • Cancellation up to £12,500 per person
  • Missed Port Departure up to £2,000
  • Cabin Confinement up to £2,000
  • Baggage cover up to £3,000 per person
  • Itinerary change up to £1,000 per person
  • Covid-19 cover for medical costs and cancellations

Cruise Tipping Guide: What You Need to Know

Tipping on a cruise can be confusing, as policies vary by cruise line, destination, and service type. While some cruise lines include gratuities in the fare, others add them automatically to your bill or expect passengers to tip individually. Understanding tipping etiquette can help you avoid awkward moments and ensure you reward excellent service appropriately.

Are Tips Included in Your Cruise Fare?

Some cruise lines automatically include gratuities in your fare, while others leave tipping to your discretion. Here’s a general breakdown:

Cruise Lines That Include Gratuities:

These cruise lines typically offer all-inclusive fares, meaning tips are covered:

  • Regent Seven Seas Cruises
  • Seabourn Cruise Line
  • Silversea Cruises
  • Viking Ocean Cruises
  • Ponant
  • Ritz-Carlton Yacht Collection

Cruise Lines That Automatically Add Gratuities:

Most mainstream cruise lines add daily service charges to your onboard account. The typical gratuity amount varies:

  • Royal Caribbean, Carnival, Norwegian, MSC, and Holland America: ~$16–$20 per person, per day
  • Princess Cruises & Celebrity Cruises: ~$18–$22 per person, per day
  • Disney Cruise Line: ~$16 per person, per day

You can adjust these gratuities at the guest services desk if needed.

Cruise Lines Where Tipping is Expected:

Some budget and smaller cruise lines do not include gratuities in fares or service charges, meaning you are expected to tip crew members individually.

Who Should You Tip on a Cruise?

Even when gratuities are included or added to your bill, you may want to give extra to exceptional staff. Here’s a general tipping guide:

Essential Crew Members:

  • Cabin Stewards: $3–$5 per day (or more for outstanding service)
  • Waitstaff (if dining in specialty restaurants): 15%–20% of the bill if gratuity isn’t included
  • Bartenders & Drink Servers: 15%–18% per drink (often included in drink packages)
  • Concierge & Butler Service (on luxury cruises): $5–$10 per day or a lump sum at the end
  • Shore Excursion Guides & Bus Drivers: $2–$5 per excursion

Extra Tips & When to Give Them

  • Extra Cash Tips: If a crew member goes above and beyond, it’s always appreciated to hand them a personal tip at the end of the trip.
  • Special Occasion Tips: If you receive exceptional service for a birthday, anniversary, or special request, a small tip is a great way to say thanks.
  • Spa Services: A 15%–20% tip is expected unless automatically added to the bill.

Final Tips on Tipping

  • Check your cruise policy before you sail to see if gratuities are included.
  • Bring small bills in the local currency if cruising internationally for tipping on shore excursions.
  • Feel free to adjust your gratuities if service falls below expectations or exceeds them.

Tipping is a way to show appreciation for the hard-working crew who make your cruise memorable. Whether it's included in your fare or left to your discretion, knowing what to tip ensures you’re prepared for a smooth sailing experience.

Why choose Cheaptravelinsurance.com

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We’ve been selling travel insurance since 2000
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No upper age limit and all medical conditions considered
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Multiple insurers Compare prices from a range of specialist insurers
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Smart Luggage cover now available to buy as part of your Travel Insurance or on its own.

No Upper Age Limit

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We offer travel insurance to travellers with no upper age limit! Just click here for a quote. Plus cover for most pre existing medical conditions.

Multiple Travel Insurance Providers

We partner with leading travel insurance providers to help you find the right cover with ease. Choose from three levels of protection, all including end supplier failure cover. With no upper age limit, we offer quotes for travelers of any age on both single-trip and annual policies. Compare prices from multiple specialist insurers in seconds and find the best policy for your needs.

Ready to get your travel insurance sorted?

Call Free on 0800 542 7167 or Get a Quote Here