Cruise insurance
Travel insurance for cruise holidays with cover for pre-existing medical conditions.
- Cruise cover for pre-existing medical conditions
- For ocean and river cruises
- No upper age limits
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.
Why Specialist Cruise Insurance is Essential for Your Voyage
- When you get a quote for travel insurance with us, you will be asked ‘Are you going on a cruise?’ If you select yes, our optional cruise extension will be automatically included in your quote, providing these additional benefits:
- Cabin confinement cover
- Missed port departure protection
- Itinerary change compensation
- Unused excursions reimbursement
- Cruise interruption cover
You can remove the extension on the Additional Cover Options page, where you’ll also see the premium. Without it, standard cover still applies, and you will be covered to go on a cruise holiday, but you won’t receive these extra benefits.
What’s Included in Our Cruise Extension?
| Feature | Standard Travel Cover | Specialist Cruise Extension |
|---|---|---|
| Emergency Medical | ✅ Up to £10 Million | ✅ Up to £10 Million |
| Airlift/Repatriation | ✅ Included | ✅ Included |
| Cabin Confinement | ❌ Not Included | ✅ Up to £2,000 |
| Itinerary Change | ❌ Not Included | ✅ Up to £1,000 |
| Missed Port Departure | ❌ Not Included | ✅ Included |
| Unused excursions | ❌ Not Included | ✅ Included |
| Cruise interruption | ❌ Not Included | ✅ Included |
All our insurance policies include
Cruise holidays are covered as standard on all travel insurance policies from Total Travel Protection. If you do not wish to have the additional protection detailed above, you are welcome to deselect the cruise extension and get a quote for the standard cover, which includes:
- 24-hour emergency medical assistance
- Emergency medical & repatriation up to £10 million (Platinum Cover)
- Cancellation cover up to £6,000 (Platinum Cover)
- Baggage cover up to £3,000 (Platinum Cover)
- Cover for mobility aids and prescription medication
Buy with confidence
14-day money-back guarantee
If the insurance doesn’t meet your requirements, you can get a full refund within 14 days, provided you have not travelled or made a claim.
Authorised and regulated by the Financial Conduct Authority
Total Travel Protection is a trading name of Ancile Insurance Group Limited, which is authorised and regulated by the Financial Conduct Authority, No 471641.
You can check our details on the Financial Services Register, www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.
Covered by the Financial Services Compensation Scheme
Our policies are covered by the Financial Services Compensation scheme, which means that if the insurer were unable to meet its liabilities to you, compensation may be available (UK residents only).
For more information about the Financial Services Compensation Scheme visit www.fscs.org.uk.
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 ensure your travel insurance is valid if you require emergency medical treatment abroad, it is important to add all the countries to your policy.
From our expert… Chris Payne - Chief Operating Officer
“Cruise medicine is unique; you are often far from land-based hospitals. When we look at cruise insurance, we aren't just looking at trip cancellation, we are looking at the logistical complexity of getting you the right care at sea." - Chris Payne
Purchase 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.
You can call us on 0330 053 3747
We are open during the following times:
Monday to Friday 9am - 7pm. Saturday, Sunday and Bank Holidays 9am - 5.30pm.
Our cruise holiday insurance prices are the same whether you buy online or by phone, so you can choose whichever suits you best.
What our expert says… Chris Payne
“Finding cruise travel insurance for pre-existing medical conditions can be a challenge, especially for longer itineraries. At Total Travel Protection, we specialise in covering chronic conditions, from heart health and diabetes to mobility issues, ensuring that your cruise isn't cut short by a lack of protection. Whether you are sailing the Mediterranean or the Caribbean, we cover the high costs of ship-to-shore transfers and private medical care.”
Additional cover options
Additional cover including gadget, natural catastrophe and waiting list cover can be selected during the quote process.
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.
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.
Additional cancellation and curtailment cover if you are on a waiting list for treatment or investigation for a diagnosed condition.
Cruise insurance FAQs
What is Cruise Travel Insurance, and why do I need it?
Cruise Travel Insurance is a specialised policy designed to cover unique situations that may arise during a cruise, such as missed port departures, cabin confinement due to illness, itinerary changes, and unused excursions. Standard travel insurance policies often do not cover these cruise-specific scenarios, making specialised cruise cover essential for comprehensive protection.
Do I need to declare pre-existing medical conditions on my cruise insurance?
Yes, it's crucial to declare all pre-existing medical conditions when purchasing your policy. This ensures you're adequately covered and prevents potential issues during a claim.
Can I get Cruise Travel Insurance if I have pre-existing medical conditions?
Yes, you can obtain cruise insurance even with pre-existing medical conditions. It's important to declare any such conditions during the application process to ensure appropriate coverage.
Is cruise travel insurance for pre-existing medical conditions more expensive?
The additional cover does cost more, however, while premiums vary, the cost of not having it, like a £50k heli-evac, is much higher.
Are there age restrictions for obtaining Cruise Travel Insurance?
Total Travel Protection offers cruise cover with no upper age limit, ensuring travellers of all ages can enjoy their cruise with peace of mind.
Does the policy cover river cruises as well as ocean cruises?
Yes, our Cruise Insurance covers both ocean and river cruises. Ensure you specify the type of cruise during the application to tailor the coverage appropriately.
What should I do if I need to make a claim?
In the event of a claim, contact our claims department as soon as possible. Have your policy number, relevant documents, and any supporting evidence ready to expedite the process.
Emergency medical assistance
In the event of a medical emergency abroad, please call:
+44 (0)2920 474133
Making a claim
For full details on how to make a claim please visit: Travel Claims Centre
If you wish to speak to a claims handler by phone, please call +44 (0)2920 474138
Are there any destinations not covered by the cruise insurance policy?
Our policy covers most global destinations. However, we do not provide coverage for countries or regions where the Foreign, Commonwealth & Development Office (FCDO) advises against all or all but essential travel. Always check the latest travel advisories before planning your trip.
What is considered a cruise for insurance purposes?
A cruise is a trip on an ocean or river cruise ship where you stay on board overnight in your own cabin. Ferry crossings, even overnight ones, do not count as cruises for insurance purposes.
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 I'm going on a cruise?
We ask whether you are going on a cruise so we can present you with our most appropriate cover for cruise holidays. Please do tell us if you are going on a cruise.
What is the longest duration you can cover for a cruise holiday?
We can cruise holidays up to 94 days in duration.