Cruise Cover frequently asked questions (FAQs)

Our standard travel insurance for M&S Club Rewards customers 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, emergency evening wear hire or a change of itinerary.

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This policy provides cover for Emergency medical and associated expenses anywhere in the world outside of your home territory (including cruises) for up to £10 million per insured person (£10,000 associated expenses for claims in your home territory). This includes rescue services to take you to hospital, and the cost of getting you home or to a UK hospital.

However, there is no cover for:

• Any pre-existing medical condition unless it is shown as an ‘Accepted condition’ or we have been told about it and we have accepted it in writing.
• Any symptoms that you were aware of prior to booking a trip, for which you have sought but not yet received a diagnosis.
• You not taking medication that has been prescribed to you.
• Travelling against the advice of a doctor or purposely travelling without medical advice when it was reasonable for you to have consulted a doctor.
• Travelling with the intention of seeking medical treatment.

We will cover you for:

• Travel delay
  If your pre-booked transport is delayed for more than 12 hours and you choose to continue your trip, we will pay £30 for each full 12 hour period you are delayed up to a maximum of £150. For each insured person, the most we will pay is £150.
• Missed Departure – this benefit does not apply to trips taken within the UK
  If you miss your pre-booked transport due to an unexpected transport delay that has been independently confirmed by the transport provider, traffic or police reports or roadside assistance provider, we will pay the following:
  • Additional travel and accommodation costs you incur to reach your destination abroad or home on your return journey, up to £1,000 for each insured person; or
  • Your proportion of any personal travel and accommodation costs up to £6,000, should you choose to cancel your trip before departure from the UK (or before reaching your destination for trips solely within the UK), because no suitable alternative public transport or other facilities could be provided to enable you to safely continue with at least 50 percent of your booked trip.
• Alternative travel arrangements
  If you have to make alternative travel arrangements as a result of:
  • the public transport on which you are booked to travel from or to your home territory being cancelled or delayed for at least 12 hours, diverted or redirected after take-off, or
  • you being denied boarding because there are too many passengers for the seats available and no suitable alternative flight could be provided within 12 hours, or
  • your transport operator, accommodation provider or their booking agents become insolvent,
    
    we will pay for additional travel and accommodation costs. If your own prescription medication has run out as a direct result of you having to make alternative travel arrangements, we will also pay for emergency medical supplies to prevent a deterioration of an existing medical condition. For each insured person, the most we will pay is £6,000.
• Alternative accommodation
  if you have to move to other accommodation during your trip as a result of:
  • the insolvency of the accommodation provider or their booking agents, or
  • fire, flood, earthquake, explosion, volcanic eruption, severe/adverse weather, or
    
  • an outbreak of food poisoning,
    
    we will pay additional accommodation costs (of a similar standard) to allow you to continue your trip. For each insured person, the most we will pay is £6,000.
    

We won’t cover:

• Anything mentioned in the ‘General exclusions’ and ‘Your health’ sections.
• Any claim for: 
  • treatment received in your home territory;
  • the cost of in-patient hospital treatment, out-patient treatment or going home early that our Medical Emergency Assistance provider has not agreed beforehand.

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