Client Support · Travel Protection
Travel protection may help with certain unexpected events before or during your cruise, depending on the program, its benefit limits, and its exclusions. Our cruise advisors can add your cruise line’s own travel protection program to your reservation and help you understand how it works.
Call 1-800-988-6444 · Mon–Fri 9:00 AM–5:00 PM PST · Sat 9:00 AM–2:00 PM
Coverage Overview
Cruise line protection programs usually combine several types of benefits. The examples below describe their general purpose only — what is actually covered, and how much, depends on your cruise line’s program.
01
May reimburse eligible prepaid, non-refundable trip costs if you need to cancel before departure for a reason the plan covers. Covered reasons, reimbursement method, and limits vary by plan.
02
May reimburse eligible unused trip costs and certain additional travel expenses if a covered event causes you to join your cruise late or return home early.
03
May help with eligible emergency medical expenses during your trip and, where included, medically necessary evacuation. Benefit amounts vary widely, and some plans pay only after your own health insurance.
04
May reimburse eligible losses if your baggage is lost, damaged, or delayed, including certain essential purchases while you wait, up to the plan’s limits and documentation requirements.
Booked flights, hotels, or tours separately? A cruise line’s plan may not extend to travel arrangements made outside your cruise booking. Ask your advisor which parts of your trip a plan includes.
Understand Your Plan
Each cruise line has its own travel protection program, and programs from different lines can work very differently. Before you decide, review your cruise line’s program terms for the points listed here.
Not sure where to find them? Your cruise advisor can help you locate the current program terms for your cruise line.
Timing & Pre-Existing Conditions
Some benefits are available only if protection is added by a set point, such as within a period after your initial deposit or before your final payment date. Other benefits may still be available later. These rules are set by each cruise line’s program and are not the same from one line to the next.
Many cruise line programs exclude losses related to pre-existing medical conditions, and some offer no waiver of that exclusion at all. If you or a traveling companion has a medical condition, review your cruise line’s program terms carefully before you decide.
Requirements vary by cruise line. Confirm current deadlines and pre-existing condition terms in your cruise line’s program documents, or with the cruise line or its plan administrator, before relying on them. It helps to note your initial deposit date and final payment date, since many deadlines are measured from them.
Advisor Assistance
Travel protection can be confusing, especially when every cruise line uses its own terms. Your cruise advisor can walk you through the program offered for your sailing so you can make an informed choice.
We offer travel protection through your cruise line’s own program, so it is added directly to your cruise reservation. Your advisor can help you review what the program includes before you decide.
Please note: advisors can’t guarantee coverage or determine the outcome of a claim. Coverage and claim decisions are made by the insurer or plan administrator under the plan’s terms, which always take precedence over any general description on this page.
Have questions about protecting your next sailing? Call a cruise advisor or send us a booking request and we’ll be in touch.
Mon–Fri 9:00 AM–5:00 PM PST · Sat 9:00 AM–2:00 PM · Other ways to contact us
This page provides general information only and is not a contract or policy of insurance. Travel protection programs are provided by the cruise lines and their insurance partners. Benefits, limits, exclusions, and eligibility are determined solely by the terms of the program you purchase and may vary by state of residence. Travel protection is optional.
