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
How to Save Money on a Cruise
Cruising offers a fantastic way to see the world, but costs can add up quickly with extras like excursions, drinks, and onboard activities. However, with smart planning and a few insider tricks, you can enjoy a memorable cruise while keeping expenses in check. Here’s how to get the best value for your money.
1. Book Early or Last Minute for the Best Deals
Cruise fares fluctuate, so timing is everything:
✔️ Early booking (6–12 months in advance) secures lower rates, better cabin choices, and added perks like free Wi-Fi or onboard credit.
✔️ Last-minute deals (6–8 weeks before departure) can be great bargains if you have flexible travel dates and cabin preferences.
2. Travel During Shoulder Season
Peak season means higher prices. Instead, opt for:
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Caribbean cruises: Avoid holiday periods and hurricane season.
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Mediterranean cruises: Late spring and early fall offer better deals.
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Alaska cruises: May and September are more affordable than summer.
3. Choose an Interior Cabin
If you don’t mind skipping a balcony, inside cabins are the most budget-friendly option. You’ll still enjoy all the ship’s amenities and can spend more on experiences instead.
4. Consider Repositioning Cruises
One-way repositioning cruises (e.g., transatlantic crossings) offer longer trips at a fraction of the cost compared to regular itineraries.
5. Look for Cruise Line Promotions
Sign up for newsletters from cruise lines and travel agencies to catch special promotions like:
✔️ Free drink packages
✔️ Reduced or waived gratuities
✔️ Kids sail free offers
✔️ Onboard credits
6. Skip the Cruise Line’s Drink Package (Unless You’ll Use It!)
Drink packages can be costly and may not be worth it unless you drink a lot. Instead:
✔️ Bring allowed alcohol onboard (some lines permit limited wine or champagne).
✔️ Take advantage of free drinks at events like captain’s receptions.
✔️ Order a bottle of wine at dinner and save leftovers for the next night.
7. Bring Your Own Essentials
Avoid overpaying for onboard necessities by packing:
✔️ Seasickness medication
✔️ Sunscreen and toiletries
✔️ Reusable water bottles
✔️ Power adapters and chargers
8. Save on Wi-Fi & Stay Connected for Less
Cruise Wi-Fi can be expensive. Save money by:
✔️ Downloading entertainment and maps before sailing.
✔️ Using free Wi-Fi in port cafés or terminals.
✔️ Purchasing a Wi-Fi package in advance for discounts.
9. Book Shore Excursions Independently
Cruise line excursions are convenient but often overpriced. Instead:
✔️ Book directly with local operators for better rates.
✔️ Use DIY guides and public transport for budget-friendly exploration.
✔️ Walk or rent bikes in port cities where possible.
10. Take Advantage of Free Onboard Activities
You don’t need to splurge to have fun! Many cruises offer:
✔️ Free live entertainment and shows
✔️ Dance and cooking classes
✔️ Movie nights and trivia games
✔️ Poolside activities and fitness centers
11. Be Smart About Gratuities
Some cruise lines include gratuities in the fare, while others add them automatically to your bill. You can adjust or prepay tips based on your service expectations.
12. Bring Your Own Snacks & Drinks
If allowed, bring packaged snacks or non-alcoholic drinks to avoid paying extra for mid-day munchies.
13. Stick to Complimentary Dining
Specialty restaurants are tempting but can be pricey. Instead:
✔️ Enjoy free buffet and main dining options.
✔️ Look for included 24/7 snacks like pizza and room service.
✔️ Take advantage of free events offering food and drinks.
14. Use Onboard Credit Wisely
If you receive onboard credit, spend it on essentials like gratuities, excursions, or spa treatments instead of unnecessary splurges.
15. Be Strategic About Casino Spending
If you enjoy gambling, set a strict budget and look out for free casino promotions, tournaments, or lessons that don’t require big buy-ins.
16. Book Your Next Cruise Onboard
Many cruise lines offer future cruise discounts if you book while still on board, with perks like reduced deposits and extra onboard credit.
By following these money-saving cruise tips, you can enjoy a fantastic holiday without breaking the bank. Happy cruising!
Why choose Cheaptravelinsurance.com
Quick Links
Useful Cruise Links
No Upper Age Limit
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.
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