Cruises come with some cruise-specific risks (like missed ports, itinerary changes or being confined to your cabin) that aren’t covered in the same way under the standard sections of the policy. Cruise Cover is designed to help with these types of disruption.
Policy type eligibility:
- Silver/Gold: Cruise Cover is not available.
- Gold Plus: cruise trips are only covered if you’ve paid the additional Cruise Cover premium and it’s shown on your policy schedule.
- Platinum: Cruise Cover is included as standard (still check your policy schedule).
What counts as a cruise?
A trip on a passenger-carrying liner, ship or river cruiser, including accommodation for a minimum of two nights.
These benefits pay up to the limits shown in your Summary of Cover:
Missed port departure – if you miss the ship at the initial international departure point, it can cover reasonable extra accommodation (room only) and travel costs to join the ship at the next docking port (up to £1,000).
Cabin confinement – if the ship’s medical officer confines you to your cabin for medical reasons, it can pay £100 per day up to £1,000.
Itinerary change – if a scheduled port visit is cancelled after departure (e.g., adverse weather/timetable restrictions), it can pay £100 per missed port up to £500 (confirmation from the cruise operator is required).
Unused excursions – if you can’t use pre-booked excursions because you’re confined to your cabin due to illness or injury covered under the medical section, it can cover costs up to £500.
Cruise interruption – if you need hospital treatment on dry land and then have to travel to the next port to re-join the cruise, it can cover additional travel costs up to £1,000 (you must contact us before arranging additional travel).