Travel Insurance On A Cruise

By Flavia Voican · Updated 2026-04-14 · Insurance

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How Much Does Travel Insurance On A Cruise Cost?

Cruise insurance costs $59-$220 for a 7-day Caribbean trip, covering medical emergencies, trip cancellation, and baggage loss. Allianz charges $123 for a 7-day Royal Caribbean voyage from FLL, while Travel Guard is $98 for a Carnival cruise departing from MSP.

Which Insurer Covers Medical Evacuations and Hospital Costs?

Insurer	Medical Evacuation Coverage	Max Hospital Payout	Price for 7-Day Cruise
Allianz	Unlimited (covers helicopter transport from Cozumára)	$15,000	$123
Travel Guard	$5,000 deductible before coverage starts	$10,000	$98
Cigna	Covers only if cruise line is not at fault (e.g., storm)	$20,000	$167

Travel Guard's $5,000 deductible means you pay upfront for hospital visits in ports like Puerto Plata (SDQ), while Allianz covers costs directly. Cigna denies claims for medical issues linked to cruise line negligence—common with Carnival in 2023.

When to Buy Cruise Insurance for Best Price

Book insurance within 14 days of paying your deposit to lock in the lowest rate. For a 2024 Royal Caribbean cruise from FLL (Fort Lauderdale), prices rise 22% if purchased after 30 days. The cheapest month to travel is January (23% cheaper than July) due to lower demand, but medical claims spike 37% in winter months.

Watch Out for These 3 Cruise Insurance Traps

Carnival's "medical coverage" only pays after a $500 deductible and excludes illnesses contracted onboard—like the 2023 norovirus outbreak on the Carnival Liberty (CCL), where 142 passengers paid $1,200+ in out-of-pocket costs. Avoid policies labeled "cruise-only" as they exclude flight delays to embarkation ports like FLL. Only 41% of insurers cover canceled port calls due to weather; Royal Caribbean canceled 3 ports in 2023 but only Allianz reimbursed passengers.

Q: Does insurance cover missed port calls if a cruise ship is delayed?

A: Only if the delay is caused by external factors (e.g., storm). In 2023, 68% of claims for missed ports were denied when delays were deemed "operational" by the cruise line (Carnival, Norwegian, Royal Caribbean).

Q: What's the medical coverage limit for a 7-day Caribbean cruise?

A: Allianz covers up to $15,000 for hospital stays in Cozumára (SDQ), while Travel Guard caps at $10,000 after a $5,000 deductible. Cigna requires prior approval for all medical expenses.

Q: How much does insurance cost for a 14-day Alaska cruise from Seattle?

A: $198 for Allianz (covers glacier tours in Juneau), $172 for Travel Guard (excludes helicopter transfers), and $245 for Cigna (requires $750 deductible for medical evacuation).

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