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WorldTrips Insurance

WorldTrips – Formerly Tokio Marine HCC

WorldTrips began in 1988 and was one of the first insurers in the world to offer its plans for purchase over the Internet. It has continued to grow its leading technical capacity, and now customers can buy insurance, file claims, check their policy, and get their documents online at any time, day or night. WorldTrips International has a financial strength rating of “A+ (Strong)” from S&P Global Ratings.

WorldTrips is a division of Tokio Marine HCC, which has helped customers for over 140 years. Tokio Marine HCC has offices in countries around the world, including the U.S., Mexico, the United Kingdom and Continental Europe. Its 3,000 employees apply a unique understanding of risk and a passion for underwriting.

WorldTrips insurance plans are with you anywhere you may travel for vacation, study abroad, business and mission trips, or extreme sports adventures.

WorldTrips is one of our Top 10 Travel Insurance Companies .

WorldTrips insurance (formerly Tokio Marine HCC) provides travel medical insurance to international travelers and students so they can receive the best treatment in the case of any accidents or unexpected issues while abroad. Thousands of customers in over 130 countries trust WorldTrips to give them an extra layer of security when they are traveling outside of their home country.

Why Choose WorldTrips Travel Insurance?

Member support.

24/7 Emergency Travel Assistance

Online Policyholder Portal

Members can easily access policy information and submit and track claims through the WorldTrips online policyholder portal for their plan.

Online Provider Search

Within the U.S., members can search for a doctor or hospital in the WorldTrips PPO network using the online provider search. Outside the U.S., members can seek treatment from any provider they want, and WorldTrips offers a curated list of excellent providers in locations around the world.

WorldTrips Comprehensive Travel Medical Plans

A WorldTrips travel insurance plan gives you access to the best doctors, wherever you are. After you have purchased coverage, if you need to find a provider in an unfamiliar location, just call WorldTrips or access their online list of providers to find the right doctor for you.

The plans also offer a number of added benefits for any of life's little hiccups, including emergency travel assistance, lost luggage tracking, emergency cash transfers, legal referrals, translation assistance, medical monitoring, emergency travel arrangements and more. Their customer service representatives offer customer support in a wide array of languages around the world.

Your medical coverage in your home country is often of no help when you're overseas. The Atlas Travel plan gives you protection while you're abroad, providing international travel medical insurance for periods of travel between five and 364 days. It is also customizable, allowing you to choose the right level of coverage to suit your personal needs.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

The Atlas Group insurance plan is available upon request for groups of 5 or more traveling abroad.

If you're studying abroad, you may need insurance to satisfy your visa requirements or your school requirements – and you will want insurance to ensure you are fully covered if any mishaps arise. The StudentSecure international student health insurance plan from WorldTrips provides comprehensive medical coverage for full-time students or full-time scholars studying outside of their home country. With four levels of coverage to choose from, you can find the plan that fits your needs and your budget.

• Provides Medical, Dental, Evacuation and other Benefits
• Keep your coverage when your studies last multiple years
• Medical providers are available in over 130 countries worldwide

The WorldTrips Provider Network

WorldTrips maintains relationships with hospitals, laboratories, and doctors throughout the world. In the U.S., WorldTrips has a vast Preferred Provider Organization (PPO). Throughout the rest of the world, it maintains an extensive list of recommended providers, although you are free to visit any provider you choose. Many of your provider selection decisions will be based on geographical location and provider specialty needs.

Areas of Coverage

Coverage is worldwide, so you can be assured that you are still protected if your travel is multinational. Customers can choose a policy that includes or excludes the United States.

How to Find a Provider

Outside the United States, members can see any doctor they like. WorldTrips also makes it easier to find a provider in an unfamiliar country with an extensive list of international providers. Once you have purchased your plan, to find a provider in your area, go to the WorldTrips website or call +1 (317) 262-2132 (collect calls accepted).

In the United States, members can access doctors and facilities from the robust WorldTrips Preferred Provider Organization (PPO) network. Once you have purchased your plan, call WorldTrips directly at (800) 605-2282 or use their easy online tools to find a provider near you.

US Provider Network

The provider network for members in the United States is contingent on when the medical policy was purchased.

If the member purchased their travel medical policy before July 2019 or the member is an EU resident who purchased a policy before May 2020, their providers are in the First Health International network.

If the member purchased their travel medical policy after July 2019 or is an EU resident who purchased a policy after May 2020, their providers are in the United Healthcare network.

How to File a Claim Inside the US

How to File a Claim Outside the US

WorldTrips Member Services

WorldTrips has customer service specialists available 24 hours a day, seven days a week to help customers in the case of a travel emergency. Their specialists are well-trained, multi-lingual, experienced people that can provide both emergency and travel assistance services.

The Customer Service area on the WorldTrips site also offers the ClientZone. In this area members can download policy documents, file and track claims, update their address, and handle renewal, extension or cancellation of their policy. This area also provides answers for frequently asked questions such as, "Where do I find my certificate ID number?" and "How do I verify the coverage area of my policy?"

WorldTrips' Customer Care Contact Information

• Within the United States: (800) 605-2282 (toll-free)
• Outside the United States: +1 (317) 262-2132 (collect calls accepted)

WorldTrips P.O. Box 2058 Farmington Hills, Michigan 48333-2005

FAQs about WorldTrips Travel Insurance

What type of insurance does worldtrips offer.

WorldTrips offers travel medical insurance and medical insurance for students studying outside their home country.

Their Student Secure plan is ideal for students coming to the USA or for US students studying abroad. The plan is also available for any student traveling abroad from any country excluding Canada and Australia.

The Atlas Travel Medical plan is for all travelers worldwide traveling abroad for 5 days or longer. 

Who is the underwriter for WorldTrips insurance?

WorldTrips’ Atlas Travel Series and StudentSecure international travel medical insurance products are underwritten by Lloyd's.

Does WorldTrips cover pre-existing conditions?

Pre-existing conditions are excluded from WorldTrips coverage. WorldTrips states that it defines pre-existing conditions as any condition:

• for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
• which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
• that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you

Is WorldTrips the new name for Tokio Marine HCC Travel Insurance?

Yes! If you were looking for Tokio Marine HCC Insurance, HCC Medical Insurance Services or HCCMIS, this is the same reliable company you have always known with a new name. The company rebranded its name to WorldTrips.

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• What Is Travel Medical Insurance?

Travel Medical Insurance

Travel medical insurance is a type of international insurance designed to cover emergency health care costs incurred while traveling or vacationing abroad.

Say you’re eating your way through Europe and you come down with a dire case of food poisoning. Depending on the plan you choose, you may be covered for the cost of a local ambulance to transport you to the hospital, your emergency room co-payment, the bill for your hospital room and board, and all other eligible medical expenses.

Already have domestic health insurance? Your domestic health plan may not cover you beyond the borders of your home country. If this is the case—or if very few benefits extend to cover you abroad—then you should consider arming yourself with a travel medical policy.

But don’t just take our word for it—the  U.S. Department of State , the  Centers for Disease Control and Prevention  (CDC), and even your favorite travel bloggers advocate travel medical insurance for global travel. After all, an uninsured injury or illness abroad can result in catastrophic medical bills and a heavy financial burden—both of which can be significantly reduced by the right coverage. 

Let's look at how travel medical coverage differs from domestic healthcare coverage, what types of travel medical benefits are typically included, and what is often excluded from travel medical plans. 

See " Why Buy Travel Medical Insurance? " 

How Does Travel Medical Coverage Differ From Domestic Healthcare Coverage?

Domestic health insurance typically offers pre-existing condition coverage as well as coverage for preventive and wellness care (i.e., annual checkups), emergency care, pregnancy and pediatric care, prescription drugs, mental health services, and more. It covers costs incurred and treated within your home country (and possibly beyond).

Travel medical insurance provides certain travel benefits (see next section) as well as coverage for emergency medical treatment due to unexpected injury or illness incurred outside of your home country. Your standard travel medical policy typically does not cover things like wellness exams, regular prescriptions, or *pre-existing conditions. 

Before you go abroad, check to see whether your domestic plan provides any coverage once you’ve left your home country (many offer limited or no coverage). Even if it does cover you for some things abroad, it’s unlikely to offer many of the important benefits of a travel medical plan, such as   Emergency Medical Evacuation  coverage.    

What Types of Travel Medical Benefits Are Typically Included?

Medical Evacuation Coverage

One of the biggest draws of travel medical insurance is the coverage it can provide for an emergency medical evacuation. Say you’re hiking in a remote region of South America and you fall and become seriously injured. You’re taken to the nearest hospital, but it lacks sufficient equipment or the medical specialists required to properly treat you. An  Emergency Medical Evacuation benefit can cover the cost of transporting you from the emergency facility to a hospital better suited to care for you.

COVID-19 Coverage

Many travel medical insurance plans are now including coverage for medical expenses resulting from COVID-19. All travel medical insurance plans are different so be sure to read the policy documents thoroughly to fully understand how COVID-19 affects your coverage.

Coverages in Case of Death

In cases resulting in death, a Repatriation of Remains benefit can cover the cost of transporting your body back to your home country. Similarly, a Local Burial or Cremation benefit can cover the cost of your burial or cremation in a nearby vicinity.

Many travel medical policies also include an  Accidental Death and Dismemberment  benefit (commonly referred to as AD&D) which, in the event of your death or dismemberment, pays a predetermined amount to you or your beneficiary, regardless of any applicable domestic coverage.

Coverages Due to Unforeseen Circumstances

Depending on the plan you choose, you may receive benefits for expenses resulting from  terrorism , political evacuation, or natural disaster. In the event of your kidnapping, a  Crisis Response  benefit can provide coverage for ransom, personal belongings surrendered, and an experienced crisis response team to negotiate your release.

A Personal Liability benefit can also be beneficial for a trip abroad, as it offers coverage for certain costs for which you are legally liable.

Transportation Coverages Due to Medical Emergency

Your travel medical policy may cover the cost of transporting a family member to your side if you are hospitalized due to medical emergency (Bedside Visit benefit) or medical evacuation (Emergency Reunion benefit).

If you are hospitalized for more than a predetermined number of days, your policy may provide coverage for the safe return home of your children (Return of Minor Children benefit) or your pet (Pet Return benefit).

Travel Assistance Services

Your plan may also come with travel assistance services, such as 24/7 customer service, access to travel alerts and warnings, tracking for lost luggage, lost passport and travel documents assistance, and emergency cash transfers, among others.

Finally, note that some travel medical policies even  include benefits for Trip Interruption, Lost Checked Luggage, and Travel Delay.

What Is Excluded From Coverage?

Certain types of medical expenses are excluded from most travel medical policies. Here are 6 of the most frequent exclusions to keep in mind:

• Pre-existing conditions*
• Routine medical examinations and care (i.e. wellness exams, ongoing prescriptions, etc.)
• Routine pre-natal, pregnancy, childbirth, and post-natal care
• Medical expenses for injury or illness resulting from participation in some extreme sports
• Medical expenses related to any form of cancer or neoplasm
• Mental health disorders
• Injury due in whole or in part to the effects of intoxication or drugs (this does not refer to drugs taken in accordance with treatment prescribed by a physician)

Be sure to read the policy documents for any plan you’re considering before you make the purchase. While reading the entire document front to back can be tedious, it’s better to know what’s excluded before you attempt to make a claim.

*A pre-existing condition is any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

Are There Different Types of Policies?

Certainly! After all, a business professional that travels to Europe ten times a year requires a different type of policy than a group of missionaries taking a six-month trip to South America.

In order to accommodate your individual needs, travel medical policies are typically structured in one of five ways:

1. Single-trip plan – This is a standard plan that provides coverage for the duration and destination(s) you specify for a single trip abroad.

Note:  A single-trip plan may be offered in different levels of coverage to fit your unique budget. For example, WorldTrips offers its popular  Atlas Travel  insurance in two additional coverage levels:  Atlas EssentialTM  (for budget travelers) and Atlas PremiumTM (for elite travelers).

2. Multi-trip plan  – This plan covers  multiple international trips  throughout a one-year (or other specified) period. 3. Group plan  – This plan allows you to insure  a group of people  (typically 5 or more) under one policy, often at a discounted rate. 4.  Long-term plan  – Long-term travelers and expatriates can purchase a travel medical plan or a travel major medical plan, depending on their priorities and length of travel. 5.  Student plan  – Students can purchase international student health insurance to cover them as they study abroad.

Note:  Student plans are frequently offered in a variety of plan levels to ensure you find the coverage you may need at a price you can afford. For example, WorldTrips offers its StudentSecure® plan in 4 levels:

1. StudentSecure Elite 2. StudentSecure Select 3. StudentSecure Budget 4. StudentSecure Smart

What’s the Difference Between Travel Medical Insurance and Trip Cancellation Insurance?

Travel medical insurance may include supplemental travel benefits (i.e., Trip Interruption, Lost Checked Luggage, or Travel Delay), but its primary function is to protect you in cases of unexpected illness or injury that might occur abroad.

Travel medical insurance accomplishes this by providing an array of medical benefits and access to quality emergency care.

Trip Cancellation Insurance

Trip cancellation insurance  is a type of travel insurance that features the primary benefit of Trip Cancellation coverage. It applies when your trip is cancelled due to a specific, unforeseen, and covered reason. Your pre-paid and non-refundable trip expenses may be covered for reasons such as:

• A licensed physician deems you unfit to travel due to an unexpected illness or injury,
• A non-traveling family member is hospitalized or passes away,
• Common carrier issues or weather result in a cancelled flight,
• Natural disasters occur unexpectedly at home or at your destination, or
• A legal obligation, such as jury duty, requires you to remain in your home country.

In addition to Trip Cancellation coverage, trip cancellation plans often include other travel related benefits like:

• Travel Delay
• Missed Connection
• Change Fee Cancellation
• Loyalty/Frequent Flyer Miles

Some – not all – trip cancellation plans feature a limited amount of coverage for emergency medical expenses, though typically not as much as a travel medical insurance plan.

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WorldTrips is a service company and a member of the Tokio Marine HCC group of companies.

WorldTrips’ Atlas Travel Series and StudentSecure international travel medical insurance products are underwritten by Lloyd's. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.

WorldTrips' Atlas Journey, Atlas Cruiser, and Atlas On-The-Go trip protection insurance products are underwritten by Tokio Marine HCC's U.S. Specialty Insurance Company (USSIC). USSIC is a Texas-domiciled insurance company operating on an admitted basis throughout the United States. Coverage is available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. Coverage may not be available in all states.

In the State of California, operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705

Best Cruise Travel Insurance of July 2024

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A cruise vacation can take much of the stress out of planning a vacation. With a pre-set itinerary on the high seas, you don't have to worry about how you're getting to your destination and what you're going to do there. However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best cruise insurance plan that won't leave you high and dry in an emergency.

Best Cruise Insurance Plans of 2024 Summary

• Best overall: Nationwide Travel Insurance
• Best for affordability: AXA Assistance USA
• Best for seniors: Seven Corners Travel Insurance
• Best for expensive trips: HTH Worldwide Travel Insurance
• Best for exotic locations: World Nomads Travel Insurance

Top Cruise Travel Insurance Company Comparison

While booking a cruise takes off much of the pressure when coming up with itineraries, your trip can still encounter several hitches, which is where cruise travel comes in. The best cruise travel insurance will have high coverage limits on emergency medical evacuations, as sea to land evacuations can be expensive. They'll offer coverage for baggage delay, trip interruption, and it might be a good idea to have some adventure sports coverage if you plan on participating in any outdoor activities like snorkeling or scuba diving. 

Here are our picks for the best cruise travel insurance companies in 2024.

Best Cruise Insurance Overall

Nationwide travel insurance.

Nationwide is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

It has three cruise insurance options: Universal, Choice, and Luxury. The Nationwide Choice plan, for example, offers $100,000 in emergency medical coverage and $500,000 in emergency medical evacuation coverage.

The right plan for you depends on your budget and coverage needs. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship.

Read our Nationwide Travel Insurance review .

Best Cruise Insurance for Affordability

Axa assistance usa.

AXA offers three comprehensive coverage plans: Gold, Silver, and Platinum. Each of these plans offers coverage for issues like missed flights, medical emergencies, lost luggage, and more.

The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.

In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise.

The coverage limits on AXA's policies are on the higher end compared to other providers. And you can buy coverage for a little as 4% of your trip cost depending on your age, travel destination, and state of residence.

Read our AXA Travel Insurance review .

Best Cruise Insurance for Seniors

Seven corners travel insurance.

Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. While other providers do offer coverage to those 80+ years old, Seven Corners is known for its affordable premiums while offering above-average medical expenses and medical evacuation coverage limits — two areas of travel insurance coverage that are even more important as we get older.

Seven Corners also offers the option of a pre-existing conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

You can choose between the Trip Protection Basic or Trip Protection Choice plans, with the higher-tier Choice plan costing more but providing more coverage.

Read our Seven Corners Travel Insurance review . 

Best Cruise Insurance for Expensive Trips

Hth worldwide travel insurance.

HTH Worldwide offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The higher the tier, the more coverage you'll get for things like baggage delays, trip delays & cancellations, and medical expenses. But their premiums remain reasonable even at the highest tier of coverage.

Not only does the HTH Worldwide Trip Protector Preferred plan offer higher-than-average medical emergency and evacuation coverage limits ($500,000 and $1 million, respectively), but you'll also get a baggage loss coverage limit of $2,000 per person and coverage for trip interruption of up to 200% of the trip cost. You also have the option to add CFAR coverage for an additional cost, as long as you purchase within 21 days of your initial trip deposit.

Read our HTH Worldwide Travel Insurance review .

Best Cruise Insurance for Exotic Locations

World nomads travel insurance.

World Nomads has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too.

Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. And you'll get higher coverage limits with their Premium Plan. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues.

What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise. Additionally, World Nomads is one of the few travel insurance providers that sells policies to people who have already departed for their trip. However, you'll have to wait 72 hours before the policy kicks in.

Read our World Nomads Travel Insurance review .

Introduction to Cruise Insurance

Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical. The best travel insurance plans will provide flexibility to add coverage options to fit your travels needs.

Understanding the Basics of Cruise Insurance

At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage. Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference.

Why Cruise Insurance is Important

Picture this: You're all set for your dream cruise, but a sudden family emergency means you can't set sail. Or worse, you fall ill in the middle of the ocean. Without cruise insurance, you're not just missing out on an adventure, but also facing potentially huge financial losses. That's why securing cruise insurance isn't just recommended; it's a crucial part of your cruise planning.

Types of Cruise Insurance Coverage

Cruise insurance isn't a one-size-fits-all life jacket. There are various types of coverage, each tailored to protect different aspects of your cruise experience.

Trip Cancellation and Interruption Coverage

This coverage is like your safety net, catching you financially if you need to cancel your trip last minute or cut it short due to emergencies, be it due to personal, health-related, or even certain work conflicts. Interruption coverage should also include coverage for missed stops on your cruise.

Medical Coverage

Being on a cruise shouldn't mean being adrift from medical care. Travel medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances. 

When you purchase travel medical insurance, be sure to note whether your coverage is primary or secondary. Secondary insurance means you'll need to file a claim with your primary insurance provider before filing with your travel insurance provider. 

Emergency Evacuation Coverage

In the rare case that you need to be evacuated from the ship due to a medical emergency or severe weather, this coverage ensures you're not left adrift in a sea of expenses. You'll want high coverage limits for emergency evacuation, as sea-to-land evacuations can be costly. 

Baggage and Personal Effects Coverage

Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience. It'll reimburse you for any money you spent replacing items while traveling. 

Adventure Sports Coverage

Cruises often offer activities that can be classified as adventure sports, such as snorkeling and scuba diving. Medical treatment for injuries sustained while participating in these activities isn't normally covered under normal travel medical coverage. You'll want to ensure that your policy explicitly includes these policies or offers an add-on for adventure sports coverage. 

Tips for Buying Cruise Insurance

Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs. 

When to Purchase Cruise Insurance

It's always best to purchase cruise insurance soon after placing the initial deposit on your cruise. The sooner you buy your insurance, the quicker your trip is protected against a sudden cancellation. Additionally, most travel insurance plans have optional riders you can add to your policy as long as you purchase your policy within a certain window.

For example, cancel for any reason coverage often needs to be purchased within a purchasing window, which can last anywhere between a few days to three weeks from your initial trip deposit. You can also get your pre-existing conditions covered under the same conditions. 

That said, most companies will let you buy travel insurance up until the day before your departure. There are some limited policies that you can purchase after you've left for your trip, such as Allianz OneTrip Emergency Medical  policy.

How to Find the Best Deals on Cruise Insurance

Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like VisitorsCoverage and InsureMyTrip are good places to compare multiple quotes from all of the major carriers at once.

Why You Should Trust Us: How We Reviewed Cruise Insurance Plans

When comparing cruise travel insurance providers, we evaluated them based on the following criteria to come up with our list of top picks:

Customer Satisfaction

We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction. We also look at customer review sites like Trustpilot, SquareMouth , and InsureMyTrip to see what customers have to say, particularly about claims experience.

Policy Types

The most important part of any travel insurance company, we look at all the policies a company offers. While we looked at coverage limits, we also looked at options for multi-trip plans, travel medical insurance, and pre-existing condition coverage. We also considered policy flexibility and add ons that a company offers.

Average Premiums

We compare average premiums per trip. Some companies also offer annual plans, and we compare policies accordingly.

Claims Paid

How frequently do companies pay claims easily and quickly? We check customer reviews and other resources to see which companies honor policies most effectively.

We look at the company's overall behavior. Is it operating ethically? Companies can earn additional points for such behaviors.

You can read more about how Business Insider rates insurance here.

Best Cruise Travel Insurance FAQs

How much does insurance cost for a cruise.

As a rule of thumb, you can expect to pay between 5% and 10% of your total trip cost for cruise insurance coverage. However, your premiums will vary depending on factors like your age, your travel destination, length of travel, and any add-ons. 

What exactly does cruise insurance cover?

Cruise insurance typically covers trip cancellations, interruptions, medical emergencies, emergency evacuations, and lost or damaged baggage, though coverage can vary based on the policy

Can you get cruise travel insurance after departure?

Your options for travel insurance is severely limited after your trip starts, but you still have a few options. World Nomads offers policies to people who have already departed on their cruise. However, once you buy coverage, you'll have to wait 72 hours before it kicks in.

What is the difference between travel insurance and cruise insurance?

The difference between traditional travel insurance and cruise insurance is that cruise insurance offers more specialized coverage, for situations such as missing a departure port and more coverage for medical evacuations, since it's more expensive to evacuate someone at sea than on land. 

Can I claim for missed ports on a cruise?

Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim and before you travel, so you know what compensation you're entitled to.

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