Cruise insurance

Travel insurance for cruise holidays with cover for pre-existing medical conditions.

  • Cover for pre-existing medical conditions
  • For ocean and river cruises
  • No upper age limits
  • Covid-19 cover included

Awards & Accreditations

Total Travel Protection is brought to you by Ancile Insurance Group Limited who have been specialising in travel insurance cover for medical conditions and older travellers since 2010.

Travel insurance for cruise holidays

Cruise holidays are covered as standard on all travel insurance policies from Total Travel Protection.

This includes cover for emergency medical expenses when onboard and being airlifted from ship to hospital if medically necessary.

  • Medical and repatriation expenses up to £10 million (including airlift from ship to hospital when necessary)

Travel insurance cover and benefits

  • Emergency medical & repatriation up to £10 million (Platinum Cover)
  • 24 hour emergency medical assistance
  • Cancellation cover up to £6,000 (Platinum Cover)
  • Cover for mobility aids and prescription medication
  • Personal property up to £3,000 (Platinum Cover)
  • Personal liability up to £2 million (Platinum Cover)
  • Legal expenses up to £25,000

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travel insurance cover and benefits - couple holding hands on the beach

Cruise insurance with cover for pre-existing medical conditions

When you are going on a cruise it is very important to have the right cruise insurance in place to provide cover if you need emergency medical treatment onboard as well as air lifting to hospital if medically necessary.

All travel insurance policies from Total Travel Protection provide cover for cruise holidays as standard, so you don’t need to worry.

We can also cover your pre-existing medical conditions, so you can set sail with the peace of mind that you have appropriate travel cover in place.

To find out how much it will cost to get travel insurance for your next cruise holiday, simply get a quote online or call our expert team on 0330 053 3747.

Cruise insurance with no age limits

Our travel insurance policies have no upper age limit so you can be covered for your river or ocean cruise no matter what your age.

Looking for more cruise specific cover?

If you are looking for additional sections of insurance cover specific to cruise holidays such as:

Cabin confinement, Cruise interruption, Missed port departure or Itinerary change cover

Or you require cancellation cover above £6000 per person

Please contact our sister company,, who can offer cruise specific travel insurance cover.

Find our more about cruise specific insurance from

Cruise insurance tip:
Tell us all the countries you will be visiting

Most cruises, particularly ocean cruises, will stop off in more than one country.

To make sure your travel insurance is valid if you require emergency medical treatment abroad, it is important to add all of the different countries to your policy.

cruise insurance, cruise ship deck, sun shining

Cruise insurance online or by phone

Our cruise insurance is available online, 24 hours a day, 365 days a year. 

Alternatively, if you prefer to speak to someone about your requirements our expert team are just a phone call away and are open [opening hours]. Call us on [phone number].

You can call us on 0330 053 3747

We are open during the following times: 
Sales: Monday to Friday 9am - 7pm. Saturday and Sunday 9am - 5.30pm.Customer service: Monday to Friday 9am - 5pm.

Our cruise holiday insurance prices are the same whether you buy online or by phone, so you can choose whichever suits you best.

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Additional cover options

Additional cover including gadget, natural catastrophe and waiting list cover can be selected during the quote process.

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Natural catastrophe provides extra travel insurance cover for cancellation and unexpected additional expenses caused by catastrophic natural events such as hurricanes, fire, flood and volcanic eruptons. Read More

This optional cover extends your travel insurance to include cover for loss, theft and damage to your gadgets, such as phones, tablets and smartwatches whilst you are away on your holiday. Read More.

Our travel insurance policies provide cover for a number of sports and activities as standard, including trekking up to 2000 metres, sailing within 12 nautical miles of shore and glass bottomed boat trips. Additional cover for more adventurous activities can be added. Read More

Ideal for cruise, coach or rail holidays that start from an overseas location, our Missed Connection option extends your travel insurance to include cover for additional expenses if you miss a connecting flight, ferry, cruise ship, train, or motor vehicle as a result of a delay to your initial international outbound transport.

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Our terrorism cover extension provides additional travel insurance cover to enable you to cancel or cut short your trip if a terrorist act occurs within a 40-mile radius of your pre-booked accommodation.

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This option extends the cancellation and curtailment section of your travel insurance to include unrecoverable holiday costs, such as transport, accommodation, and foreign car hire, if your pet dog or cat needs emergency life-saving treatment. Read More

Additional cancellation and curtailment cover if you are on a waiting list for treatment or investigation for a diagnosed condition.

Read More

Cruise insurance FAQ

Do I need to add an additional option to be covered for a cruise holiday?

No, all of our travel insurance policies provide cover for river and ocean cruises as standard.

Do I need to tell you that I will be going on a cruise?

No, you don’t need to tell us. We do sometimes ask if you are going on a cruise as part of our sales process, this is for research purposes and does not affect your cover.

Do you cover ocean and river cruises?

Yes, our policies cover ocean and river cruises as standard.

What is the longest duration you can cover for a cruise holiday?

We can cruise holidays up to 94 days in duration.