Cruise Insurance
Safeguard Your Vacation at Sea
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.
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.
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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.
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Flight delays or a missed connection could make you late for your cruise’s departure.
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Stomach bugs may spread through cruise ships quickly. Gastrointestinal illnesses like norovirus and also COVID-19 could spread rapidly among passengers.
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Recreational activities on excursions may result in injury.
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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.
"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."
“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.
| Trip Cancellation | 100% of trip cost up to $100,000 |
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Trip Cancellation 100% of trip cost up to $100,000
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| Trip Interruption | 150% of trip cost |
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Trip Interruption 150% of trip cost
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| Travel Delay | $2,000 maximum (up to $200 per day) (5 hours or more) |
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Travel Delay $2,000 maximum (up to $200 per day) (5 hours or more)
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| Missed Connection | $1,500 |
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Missed Connection $1,500
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| 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) |
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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)
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| Medical Evacuation & Repatriation of Remains | $1,000,000 |
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Medical Evacuation & Repatriation of Remains $1,000,000
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| Baggage Damage or Loss | $2,500 ($500 per article limit) (excess coverage) |
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Baggage Damage or Loss $2,500 ($500 per article limit) (excess coverage)
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| Accidental Death & Dismemberment | $50,000 |
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Accidental Death & Dismemberment $50,000
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| *Waiver of the Pre-Existing Conditions Exclusion | 21 days of initial trip deposit |
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*Waiver of the Pre-Existing Conditions Exclusion 21 days of initial trip deposit
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| 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 |
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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
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*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.
| Trip Cancellation | 100% of trip cost up to $50,000 |
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Trip Cancellation 100% of trip cost up to $50,000
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| Trip Interruption | 150% of trip cost |
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Trip Interruption 150% of trip cost
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| Travel Delay | $2,000 maximum (up to $150 per day) (5 hours or more) |
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Travel Delay $2,000 maximum (up to $150 per day) (5 hours or more)
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| Missed Connection | $1,000 |
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Missed Connection $1,000
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| Emergency Accident and Sickness Medical Expense (For New York policies, Emergency Injury & Sickness Medical Expense coverage is primary for all plans.) | $150,000 (primary coverage) |
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Emergency Accident and Sickness Medical Expense (For New York policies, Emergency Injury & Sickness Medical Expense coverage is primary for all plans.) $150,000 (primary coverage)
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| Medical Evacuation & Repatriation of Remains | $750,000 |
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Medical Evacuation & Repatriation of Remains $750,000
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| Baggage Damage or Loss | $1,500 ($500 per article limit) (excess coverage) |
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Baggage Damage or Loss $1,500 ($500 per article limit) (excess coverage)
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| Accidental Death & Dismemberment | $25,000 |
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Accidental Death & Dismemberment $25,000
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| *Waiver of the Pre-Existing Conditions Exclusion | 21 days of initial trip deposit |
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*Waiver of the Pre-Existing Conditions Exclusion 21 days of initial trip deposit
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| 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 |
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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
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| Trip Cancellation | 100% of trip cost up to $10,000 |
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Trip Cancellation 100% of trip cost up to $10,000
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| Trip Interruption | 125% of trip cost |
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Trip Interruption 125% of trip cost
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| Travel Delay | $500 maximum (up to $100 per day) (6 hours or more) |
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Travel Delay $500 maximum (up to $100 per day) (6 hours or more)
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| Missed Connection | $500 |
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Missed Connection $500
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| Emergency Accident and Sickness Medical Expense (For New York policies, Emergency Injury & Sickness Medical Expense coverage is primary for all plans.) | $50,000 (excess coverage) |
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Emergency Accident and Sickness Medical Expense (For New York policies, Emergency Injury & Sickness Medical Expense coverage is primary for all plans.) $50,000 (excess coverage)
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| Medical Evacuation & Repatriation of Remains | $250,000 |
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Medical Evacuation & Repatriation of Remains $250,000
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| Baggage Damage or Loss | $750 ($250 per article limit) (excess coverage) |
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Baggage Damage or Loss $750 ($250 per article limit) (excess coverage)
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| Accidental Death & Dismemberment | $10,000 |
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Accidental Death & Dismemberment $10,000
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| *Waiver of the Pre-Existing Conditions Exclusion | 14 days of initial trip deposit |
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*Waiver of the Pre-Existing Conditions Exclusion 14 days of initial trip deposit
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| Trip Cancellation for Any Reason (The Cancel for Any Reason benefit is replaced with Cancel for Fortuitous Reason in New York) | - |
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Trip Cancellation for Any Reason (The Cancel for Any Reason benefit is replaced with Cancel for Fortuitous Reason in New York) -
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| Trip Cancellation | - |
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Trip Cancellation -
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| Trip Interruption | Up to $10,000 |
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Trip Interruption Up to $10,000
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| Travel Delay | Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay (maximum 2 days) |
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Travel Delay Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay (maximum 2 days)
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| Missed Connection | - |
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Missed Connection -
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| Emergency Accident and Sickness Medical Expense (For New York policies, Emergency Injury & Sickness Medical Expense coverage is primary for all plans.) | $2,000,000 overall maximum limit per injury/illness |
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Emergency Accident and Sickness Medical Expense (For New York policies, Emergency Injury & Sickness Medical Expense coverage is primary for all plans.) $2,000,000 overall maximum limit per injury/illness
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| Medical Evacuation & Repatriation of Remains | $1,000,000 |
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Medical Evacuation & Repatriation of Remains $1,000,000
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| Baggage Damage or Loss | $1,000 for lost checked luggage |
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Baggage Damage or Loss $1,000 for lost checked luggage
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| Accidental Death & Dismemberment | $25,000 |
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Accidental Death & Dismemberment $25,000
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| *Waiver of the Pre-Existing Conditions Exclusion | - |
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*Waiver of the Pre-Existing Conditions Exclusion -
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| Trip Cancellation for Any Reason (The Cancel for Any Reason benefit is replaced with Cancel for Fortuitous Reason in New York) | - |
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Trip Cancellation for Any Reason (The Cancel for Any Reason benefit is replaced with Cancel for Fortuitous Reason in New York) -
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| Trip Cancellation | 100% of cruise cost |
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Trip Cancellation 100% of cruise cost
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| Trip Interruption | 100% of cruise cost |
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Trip Interruption 100% of cruise cost
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| Travel Delay | Up to $500 |
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Travel Delay Up to $500
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| Missed Connection | - |
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Missed Connection -
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| Emergency Accident and Sickness Medical Expense (For New York policies, Emergency Injury & Sickness Medical Expense coverage is primary for all plans.) | $10,000 |
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Emergency Accident and Sickness Medical Expense (For New York policies, Emergency Injury & Sickness Medical Expense coverage is primary for all plans.) $10,000
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| Medical Evacuation & Repatriation of Remains | $30,000 |
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Medical Evacuation & Repatriation of Remains $30,000
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| Baggage Damage or Loss | $1,500 |
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Baggage Damage or Loss $1,500
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| Accidental Death & Dismemberment | $30,000 |
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Accidental Death & Dismemberment $30,000
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| *Waiver of the Pre-Existing Conditions Exclusion | - |
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*Waiver of the Pre-Existing Conditions Exclusion -
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| Trip Cancellation for Any Reason (The Cancel for Any Reason benefit is replaced with Cancel for Fortuitous Reason in New York) | Up to 75% of trip cost in travel credits |
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Trip Cancellation for Any Reason (The Cancel for Any Reason benefit is replaced with Cancel for Fortuitous Reason in New York) Up to 75% of trip cost in travel credits
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| Trip Cancellation | 100% of cruise cost |
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Trip Cancellation 100% of cruise cost
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| Trip Interruption | 150% of cruise cost |
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Trip Interruption 150% of cruise cost
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| Travel Delay | $2,000 |
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Travel Delay $2,000
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| Missed Connection | $300 |
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Missed Connection $300
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| Emergency Accident and Sickness Medical Expense (For New York policies, Emergency Injury & Sickness Medical Expense coverage is primary for all plans.) | $25,000 |
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Emergency Accident and Sickness Medical Expense (For New York policies, Emergency Injury & Sickness Medical Expense coverage is primary for all plans.) $25,000
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| Medical Evacuation & Repatriation of Remains | $25,000 |
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Medical Evacuation & Repatriation of Remains $25,000
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| Baggage Damage or Loss | $1,500 |
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Baggage Damage or Loss $1,500
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| Accidental Death & Dismemberment | - |
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Accidental Death & Dismemberment -
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| *Waiver of the Pre-Existing Conditions Exclusion | - |
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*Waiver of the Pre-Existing Conditions Exclusion -
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| Trip Cancellation for Any Reason (The Cancel for Any Reason benefit is replaced with Cancel for Fortuitous Reason in New York) | Up to 90% of cruise cost in travel credits |
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Trip Cancellation for Any Reason (The Cancel for Any Reason benefit is replaced with Cancel for Fortuitous Reason in New York) Up to 90% of cruise cost in travel credits
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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.
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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