Best Cruise Insurance Policies for 2025

We chose Travel Insured’s FlexiPAX as the provider best for cruises due to its comprehensive coverage and flexibility, making it the top choice for Squaremouth customers. The plan offers full Trip Cancellation protection, covering 100% of your trip costs, and includes delay benefits to cover expenses if your trip is interrupted. With options for Cancel For Any Reason and Interruption For Any Reason, FlexiPAX provides unmatched flexibility for cruisers.

While on your cruise, FlexiPAX also covers medical emergencies with $100,000 in Emergency Medical coverage—meeting Squaremouth’s recommended amount—and $500,000 in Medical Evacuation coverage, exceeding the recommended amount for additional peace of mind.

We chose Tin Leg Luxury as the most affordable cruise coverage plan because it provides affordable coverage while maintaining high quality. This plan is ideal for travelers seeking 100% Trip Cancellation, Primary medical coverage, high Emergency Medical and Medical Evacuation coverage limits for their cruise, and Travel Delay and Missed Connection benefits, all at a budget price.

We chose Seven Corners – Cruise as the best travel insurance for cruise travelers due to its robust selection of cruise-specific benefits. Unique benefits like Itinerary Change, Travel Inconvenience, and Missed Tour or Cruise Connection set this plan apart from others for cruisers. In addition, the plan provides protection for cancellations and travel delays, to go along with high medical coverage limits that exceed Squaremouth’s typical recommendations for cruisers.

We chose Travel Insured International—FlexiPAX as the best luxury cruise insurance due to its extensive coverage and high limits. 46% of Squaremouth customers prefer it for cruises over $15,000 because it offers comprehensive protection, such as complete trip cancellation, primary medical coverage, and 100% reimbursement for covered cancellations. For luxury travelers seeking the most possible flexibility, this plan also features CFAR and IFAR upgrade options. And for medical emergencies, which are a top concern for cruisers, FlexiPAX maximizes protection, with $100,000 in Emergency Medical and $500,000 in Medical Evacuation.

We chose Tin Leg – Gold for its exceptional travel insurance protections, featuring high medical benefit limits. It is ideal for travelers who prioritize health, particularly older individuals or those with pre-existing conditions. The plan offers $500,000 in Emergency Medical coverage, exceeding industry standards. Additionally, it provides $500,000 in Medical Evacuation coverage for transport to the nearest hospital if necessary, which is critical in emergencies. Unlike many options with secondary coverage, Tin Leg–Gold delivers primary coverage, simplifying claims and minimizing paperwork.

We selected Seven Corners—Trip Protection Choice as the best Medical Evacuation coverage plan. Offering $1,000,000 in benefits, it provides the highest Medical Evacuation on the market and is ideal for travelers to remote areas with limited facilities. Additionally, it provides $100,000 in Emergency Medical coverage for unexpected expenses abroad.

Beyond its top-tier medical benefits, this plan stands out for its optional Cancel For Any Reason (CFAR) upgrade, which permits cancellations for any reason, unlike standard insurance, which only addresses specific issues. This flexibility is crucial for cruise travelers facing stricter cancellation policies, allowing them to recover up to 75% of prepaid costs. Interruption For Any Reason (IFAR) coverage lets travelers shorten their trips and recoup expenses. Priced at an average of $530 per trip, Seven Corners offers excellent value with reliable medical evacuation, flexibility, and comprehensive protection.

We chose Travel Insured’s FlexiPAX as the best provider for flexibility because it offers the most adaptable cruiser coverage. The plan’s optional CFAR upgrade, available within 21 days of deposit, allows you to cancel for any reason, while the IFAR upgrade allows you to interrupt your trip anytime. With these options, FlexiPAX ensures you’re covered if your plans change, offering peace of mind and extensive flexibility for unforeseen circumstances.

Due to its high reimbursement limits and broad trip protection benefits, we selected John Hancock – Gold as the top travel insurance plan for travel delays. This plan provides generous benefits at an average of $450 per trip. It covers $2,000 for cancellations or unforeseen delays, with a daily maximum of $200 per person, kicking in after a 3-hour delay. It ensures stress-free travel, offering cruise passengers $1,000 in missed connection coverage, 100% trip cancellation, and 150% trip interruption coverage for financial protection during emergencies. In addition to best-in-class delay benefits, this plan offers impressive medical protection, with $250,000 in Emergency Medical coverage and $1,000,000 in Medical Evacuation coverage.

FlexiPAX is our choice for the best travel insurance policy for senior cruisers due to its well-rounded coverage $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage, meeting our recommended amount for cruisers. If this coverage isn’t enough, customers have the option to purchases more protection during checkout. This ability to upgrade and modify the policy is a big draw among senior travelers that may have unique coverage needs.

FlexiPAX also covers covers pre-existing conditions if it’s purchased within 21 days of the first trip payment, giving seniors a longer window to buy.

Travel Insured International’s FlexiPAX is the top choice in our marketplace for families, thanks to its comprehensive coverage, flexibility, and generous benefit limits. For approximately $320 per trip, which includes extensive coverage and trip cancellation, an insured adult can cover up to nine children for free, making it ideal for busy parents planning a family cruise.

With $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage, this plan exceeds our recommended amounts for comprehensive plans. Thus, the whole family can travel peacefully if medical attention is needed.