Cruise Cover frequently asked questions (FAQs)

Our standard travel insurance includes cover for cruise trips up to the limits and cover levels provided in the policy wording. Although this is not a specific cruise policy, cruises are still covered. However, there is no cover for some things that special cruise policies may cover. For example, a change of itinerary.

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If you become unwell whilst on a cruise holiday we will cover up to £10 million for emergency medical treatment (including rescue services to take you to hospital following injury or illness) and associated expenses (£10,000 within the UK):

• The necessary travel and accommodation costs for a person who has to stay with the insured person or travel to be with the insured person, where we agree this is necessary.
• Half board accommodation costs if the insured person needs to stay beyond their planned return date because they’re medically unfit to travel home and additional travel costs if they can’t use their return ticket.
• Bringing the insured person home if it is medically necessary, when it's arranged by us.
• Where you have a valid emergency medical claim, we’ll pay a benefit of £50 for each full 24 hours the insured person is being treated in hospital (up to a max of £1,000) or confined to their accommodation on medical advice.

We’ll cover your unexpected additional travel and accommodation costs to allow the insured person to continue their trip, or to get home at the end of their trip, if their pre-paid travel plans are disrupted for the following reasons:

• The insured person is unable to leave their home, reach their departure point or their pre-arranged accommodation due to severe weather, a natural disaster, fire or explosion.
• A natural disaster, severe weather, fire, explosion, or an outbreak of food poisoning means the insured person is unable to use their pre-booked accommodation.
• The insured person’s travel or accommodation provider becomes insolvent.
• The insured person’s pre-booked travel arrangements are cancelled, or delayed for more than 12 hours from the time shown on their ticket, or diverted after departure.
• The insured person is denied boarding because there are too many passengers and no alternative is available for more than 12 hours.

The most we’ll pay for travel disruption is £5,000 per person.

If an insured person misses their pre-booked transport because of an unexpected transport delay, such as the vehicle they’re travelling in breaking down, or public transport being delayed or cancelled, we’ll pay for alternative travel and accommodation costs to enable the insured person to reach their destination.

Although this is not a specific cruise policy, cruises are still covered, however, there is no cover for some things that special cruise policies may cover.

If an insured person’s pre-booked transport is delayed and they decide to continue the trip, we’ll pay £50 for each full 12 hour period their transport is delayed.

We’ll work out the length of the delay from the date and time of the scheduled departure.

The most we’ll pay for – delayed transport is £250 per person.

We won’t cover:

• Anything excluded in the ‘General exclusions’ section of your policy documents.
• Any costs where the travel and/or accommodation provider has offered alternative suitable arrangements and the insured person has refused them.
• Any costs under Travel disruption or Missed transport where we’ve paid a claim for cancelling or coming home early due to the same event.
• Any costs for running out of medication because the insured person hasn’t taken enough with them to cover the time away.
• Any claim under emergency travel documents, for travel and accommodation expenses of any person who could travel without the insured person making the claim but decides to stay with them.
• The cost of purchasing a new replacement passport or visa.

We have an easy-to-use claims form. Visit here to make a claim online.