Do you need cruise insurance?
Should you get cruise insurance. Yes. Here is why.
Ship doctors are contractors and not employed by the cruise line. Cruise ship medical expenses are generally NOT covered by private insurance and Medicare. They are VERY expensive, even for minor care (see bottom).
I recently paid $149 for insurance on a 13 day cruise for 2. I worked out the math on the insurance price vs. the expected cost if you didn’t have insurance, considering the tiny probability and sbustantial cost of a medical visit. It’s roughly the same. So it makes sense to get the insurance, even if just to avoid the large expense of even a basic emergency.
In addition, there are other valuable benefits that should make it an easy decision.
Typical Cruise insurance coverage
Trip Cancellation/Interruption: Reimburses non-refundable costs (up to 100-150% of trip cost) due to illness, injury, or family emergencies.
Emergency Medical & Evacuation: Covers high-cost medical care on ships or in foreign ports and, if necessary, emergency transportation ($50,000–$500,000+ limits)
Missed Port/Connection: Covers expenses to rejoin the ship if you miss embarkation due to flight delays or other covered reasons.
Baggage Loss/Delay: Reimburses for lost, stolen, or delayed luggage.
Cancel for Any Reason (CFAR): Optional upgrade allowing cancellation for non-covered reasons.
Common Cruise Medical Cost Estimates
Routine Office Visit: ~$100–$165.
Cabin Visit: ~$200+.
Minor Illness (e.g., ear infection, influenza): $250–$700+.
Emergency Care (e.g., stitches, IVs): $600–$6,000+.
Key Considerations
Operating Hours: Visits outside standard hours are more expensive.
Insurance: Most, but not all, medical insurance plans (including Medicare) do not cover care on foreign-flagged ships, making travel insurance crucial.
Payment: Charges are usually added directly to your onboard account and must be paid before disembarkation.
Itemized Bill: Always request an itemized bill for reimbursement from insurance.