Cruise Insurance

Prepare Before You Sail

Before you set sail for your cruise, make sure you’re equipped with cruise insurance. Many potential issues could spoil your cruise. Whether it’s missing your flight to the port, getting sick during, or inclement weather cutting your trip short, cruise insurance could help with recouping your losses from a cancellation or illness.

WorldTrips Travel Insurance offers our Atlas Journey® series of trip cancellation insurance plans that are ideal for cruise passengers. 

What Is Cruise Insurance?

Often referred to as "trip cancellation insurance," cruise insurance can reimburse you if your cruise is unexpectedly delayed, canceled, or interrupted due to a covered reason. WorldTrips’ cruise travel insurance plans feature a Trip Cancellation benefit as well as other benefits like Baggage Damage or Loss, Trip Interruption, Emergency Accident and Sickness Medical Expense, and more. 

All of our Atlas Journey® plans include travel assistance services as well. Our team is available 24/7 to help you with travel arrangements, lost luggage assistance, and more!

We have three tiers of our Atlas Journey trip cancellation insurance plans to choose from. Each provides different benefits and premiums to best meet our customers’ travel plans. 

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Why Do I Need Cruise Insurance?

While cruises are a great way to see the world, passengers are not in control of the itinerary, weather, or other factors that can alter your vacation. Having cruise insurance provides you with trip protection in many vacation-altering situations. 

  • Cruise delays due to bad weather can be fairly common, and there's no guarantee your cruise line will compensate you for meals and accommodations.

  • Flight delays or a missed connection could make you late for your cruise’s departure.

  • Stomach bugs may spread through cruise ships quickly. Gastrointestinal illnesses like norovirus and also COVID-19 could spread rapidly among passengers. 

  • Recreational activities on excursions may result in injury.

  • Your regular health insurance may not provide international coverage if you’re injured outside of your country’s territory. 

Why Should I Get Cruise Insurance From WorldTrips?

WorldTrips has been a reliable trip insurance provider for over 25 years. We help travelers worldwide travel confidently with comprehensive travel insurance coverage. Our U.S.-based customer service team is available 24/7 to respond to travel emergencies and handle claims. We have team members who can speak various languages and are available to help you with immediate assistance, regardless of what time zone you’re in. 

WorldTrips has been recognized for its reliability and superior customer service by several reputable websites and travel insurance review experts including Forbes, CNBC, CNN Underscored, Condé Nast Traveler, USA Today, and NerdWallet. 

CNN Editors' Pick 2023

"Of the top eight travel insurance companies in our review, WorldTrips’ underwriting company is the only one to have an A++ (Superior) financial strength rating from AM Best."

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“WorldTrips is the best travel insurance company of 2024, based on our analysis of cost and coverage options.” 

Compare Cruise Insurance Plans

Many cruise lines offer their own cruise insurance plans, but they often provide limited benefits, especially when compared to the three available Atlas Journey plans.

Atlas Journey® Elevate
Trip Cancellation 100% of trip cost up to $100,000

Trip Cancellation

100% of trip cost up to $100,000
Trip Interruption 150% of trip cost

Trip Interruption

150% of trip cost
Travel Delay $2,000 maximum (up to $200 per day) (5 hours or more)

Travel Delay

$2,000 maximum (up to $200 per day) (5 hours or more)
Missed Connection $1,500

Missed Connection

$1,500
Emergency Accident and Sickness Medical Expense (For New York policies, Emergency Injury & Sickness Medical Expense coverage is primary for all plans.) $250,000 (primary coverage)

Emergency Accident and Sickness Medical Expense (For New York policies, Emergency Injury & Sickness Medical Expense coverage is primary for all plans.)

$250,000 (primary coverage)
Medical Evacuation & Repatriation of Remains $1,000,000

Medical Evacuation & Repatriation of Remains

$1,000,000
Baggage Damage or Loss $2,500 ($500 per article limit) (excess coverage)

Baggage Damage or Loss

$2,500 ($500 per article limit) (excess coverage)
Accidental Death & Dismemberment $50,000

Accidental Death & Dismemberment

$50,000
*Waiver of the Pre-Existing Conditions Exclusion 21 days of initial trip deposit

*Waiver of the Pre-Existing Conditions Exclusion

21 days of initial trip deposit
Trip Cancellation for Any Reason (The Cancel for Any Reason benefit is replaced with Cancel for Fortuitous Reason in New York) Optional upgrade for up to 75% of trip cost

Trip Cancellation for Any Reason (The Cancel for Any Reason benefit is replaced with Cancel for Fortuitous Reason in New York)

Optional upgrade for up to 75% of trip cost

*New York policies: 1) Emergency Injury & Sickness Medical Expense coverage is primary for all plans. 2) The Cancel For Any Reason benefit is replaced with Cancel For Fortuitous Reason.

IMPORTANT NOTE: Coverage varies by plan and state of residency. Please review the policy documents specific to your plan and state of residency for a full list of covered reasons, conditions, and exclusions.

What Does Cruise Insurance Cover?

Cruise insurance can protect non-refundable investments related to your cruise. It reimburses you if, prior to your departure, you have to cancel your cruise unexpectedly due to a covered reason. It also includes trip protection benefits like reimbursement for a travel delay or lost or delayed baggage.

Cruise insurance also provides medical coverage for unexpected injuries and illnesses. Your Atlas Journey cruise insurance could cover eligible expenses such as physician services, ambulance services, a hospital stay, anesthetics, X-rays, and labs. 

Our Atlas Journey plans also include medical evacuation should the situation become dire, and you need to be transported to a hospital for medically necessary treatment. Plans also include repatriation of remains if you or your travel companion die while at sea and your body needs to be returned to your home country.

You can even opt into cruise travel insurance with Cancel for Any Reason coverage to make sure you’re covered if, for some reason, you decide to cancel your trip for any reason not already covered under your Trip Cancellation benefit. WorldTrips has a number of optional upgrades to choose from to customize your cruise insurance coverage. 

How Much Does Cruise Insurance cost?

The cost of your cruise travel insurance policy will depend on your age, total trip cost, and number of travelers. Trips over 30 days have an additional charge. Your state of residency could factor into your price too. 

Our three Atlas Journey plans provide varying coverage maximums at different price points to match your travel plans:

Atlas Journey Escape

The budget-friendly plan that offers lower coverage limits than the Elevate and Explore plans in exchange for a lower premium.

Atlas Journey Explore

Mid-level cost, mid-level benefit amounts that provides a balance between coverage and cost.

Atlas Journey Elevate

This plan has the highest cost and provides the highest coverage limits of the Atlas Journey plans.

At WorldTrips we hope to provide the cruise insurance coverage you desire for your upcoming trip. You’ll find that many of our trip insurance plans are budget-friendly and provide the confidence you need to travel fearlessly. Start your journey today with a free quote on cruise insurance.  

FAQs: WorldTrips' Trip Insurance Plans

How Do I Register for a Member Portal Account?

Register for a Member Portal account. Here’s how:

1. Visit Member Portal at https://worldtrips.my.site.com/MemberPortal.
2. Under “Continue Sign In” click “First-time user? Register for an account.”

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3. On the Register page, enter the email address you wish to use to sign into your account. This email does not need to match the email address associated with your policy.

Enter your policy number and select whether or not you are the insured or the insured’s legal guardian. Enter the insured’s first and last name as entered on the policy. (You can see how the insured’s name was entered on your ID card and fulfillment documents that were sent to you upon purchase.)

Enter the insured’s date of birth. Then choose a password. Follow the password instructions noted on the page.

Read and agree to the terms and conditions by checking the box. Then click the “Continue” button.

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 4. You will be taken to the Sign In page. Enter the email address and password you used to register your account and click “Sign In.”

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5. To add an additional layer of security when signing into your account, you will be prompted to choose your preferred multifactor authentication method.

Options Include:
a. Okta Verify - Click "Setup" if you wish to use a push notification sent to the mobile app

b. SMS Authentication* - Click "Setup" if you wish to enter a single-use code that is sent to your mobile phone

c. Voice Call Authentication* - Click "Setup" if you wish to follow voice instructions via phone

d. Security Question - Click "Setup" if you wish to answer a security question

 *Please be sure to use a method which you will have continual access to on your travels. Do not use phone numbers that will not work outside of your current service area.

 member-portal-multifactor-authentication-page

 6. Follow the setup instructions of your chosen multifactor authentication method. Then click “Finish.”

 7. On the resulting page, choose a "Forgot Password" question. Make sure you select a question with only one correct answer that is easy to remember.

 Type the answer into the blank box below "Answer." You will need this answer to access your account if you ever forget your Member Portal password and need to reset it.

 You may also choose to add a phone number for resetting your password or unlocking your account using SMS text message or a voice call if you don’t have access to your email.

 Click "Create My Account."

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How Do I Submit a Claim?

You must complete, sign, and submit a Claimant's Statement and Authorization form along with proof of claim (itemized bills, payment receipts, medical records, police reports, etc.) for every incident. (Click here to download the form in Spanish).

Filing a Claim on Behalf of Someone Else? If you are filing this claim on behalf of another person, you MUST fill out the section of the Claimant's Statement and Authorization form labeled "Supplement D - Authorization Form for Use and/or Disclosure of Protected Health Information" – also known as a HIPAA form. This section must be signed by the policyholder in order for us to speak with you regarding any of the policyholder's Protected Health Information (PHI). Without this signed form, we may only disclose to you the status of the claim.

You can complete and submit the Claimant's Statement and Authorization form along with supporting documents in one of the following ways:

Via DocuSign within Member Portal (Most Efficient Approach)

1. Go to Member Portal (formerly Client Zone / Student Zone).
2. Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.

If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details.

3. Click "Claims and Appeals" in the main navigation menu.
4. Click “Submit New Claim Via DocuSign” button under the “Claimant’s Statement and Authorization Form” subheader in the “File a Claim” section and follow the instructions.

For more extensive step-by-step instructions, including screenshots, please see our “How to Submit a Claim” guide

Don’t Have Access to the Claims and Appeals Page? If you noted that you are not the insured or the insured’s legal guardian, you will see the Protected Health Information Authorization page in place of the Claims and Appeals page. Enter the insured’s email address and click “Send Request.” Once the insured has completed and submitted our HIPAA form, you will gain access to the Claims and Appeals page and have the ability to submit a claim within 3-5 days.

By Mail

1. Download the Claimant's Statement and Authorization form. (Click here to download the form in Spanish.)
2. Print, complete, and sign the form. Mail to: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A. WorldTrips is also happy to fax, e-mail, or mail the form(s) to you upon request.

Important Note for Students
For eligibility purposes, you must submit the following along with a Claimant's Statement and Authorization form:
- A copy of your education-related visa (F-1, J-1, OPT, etc.) or valid I-20/DS2019
- Proof of full-time student status (not necessary if submitting a valid F-1 visa including OPT, or J-1 visa)

Can I Submit a Claim on Behalf of Someone Else?

Yes, you may submit a claim on behalf of someone else, but you must fill out the section of the Claimant's Statement and Authorization form labeled "Supplement D - Authorization Form for Use and/or Disclosure of Protected Health Information" - also known as the HIPAA form. We must have a completed copy of this form signed by the policyholder if you wish to speak with us regarding any of the policyholder's Protected Health Information (PHI). Without this signed form, we may only disclose to you the status of the claim. If you have already submitted a claim and you did not complete this section OR if WorldTrips has requested that you submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA), you do not need to fill out another claim form. 

How Do I Submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA Form) If I Did Not Complete This Section of the Claim Form?

If you have already submitted a claim on behalf of someone else and did not complete this section OR if WorldTrips has requested that you submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPAA), you do not need to fill out another claim form. You can submit the HIPAA form separately in one of the following ways:

Electronically via Member Portal

  1. Go to Member Portal.
  2. Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.

    If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details.

  3. Click "Claims and Appeals" in the main navigation menu.

If You See the Protected Health Information Authorization Page:

- Because you selected that you are not the insured or the insured's legal guardian upon registering for Member Portal, you do not yet have access to the Claims and Appeals page.
- Under the "Protected Health Information Authorization" header, enter the insured's email address and click the "Send Request" button.
- The insured will receive an email with a link to complete, sign, and submit the HIPPA form via DocuSign. You will gain access to the Claims and Appeals page and will be able to see the status of any pending claims within 3-5 days of the date the policyholder completed and submitted the form.

If You See the Claims and Appeals Page:

- Click the "Fill Out and Submit Via DocuSign" button under the "Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA)" subheader in the "File a Claim" section.
- Enter the insured's name and an email address and click the "Begin Signing" button.
- Click the yellow "Continue" button, fill out the form and the required information (as noted by the red boxes); have the policyholder sign the form, and click the yellow "Finish" button.
- Clicking "Finish" submits the document and sends a PDF of your signed Authorization Form for Use and/or Disclosure of Protected Health Information to the email address entered. Download or print a copy of your completed form for your records. If you do not receive a confirmation email with your completed form attached within 24 hours, please contact WorldTrips to make sure your form was properly submitted.

By Mail
  1. Download the Authorization Form for Use and/or Disclosure of Protected Health Information.
  2. Print, complete, and have the policyholder sign the form.
  3. Mail to:
    WorldTrips Claims Department
    PO Box 240358
    Apple Valley, MN 55124
    U.S.A.

When and How Will I Receive My Fulfillment Documents?

During the checkout process, you will have the option to receive your ID cards and other fulfillment documents by:

  • Email only OR by
  • Email and hard copy

If you select “Email only,” you will receive your ID cards and fulfillment documents by email as soon as your application has been processed and your credit card has been approved. This typically takes a few minutes or less.

If you select “Email and hard copy,” you will receive your ID cards and fulfillment documents by email as soon as your application has been processed and your credit card has been approved. You will also receive hard copies of your ID cards and fulfillment documents by mail to the address you entered on your application.


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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