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Cruise Travel Insurance Cover

Have you booked a cruise, or are you thinking about sailing the seven seas and looking for world cruise insurance cover?

Here at starttravel.co.uk we offer an optional travel insurance cruise cover add-on to cover you for your cruise so you can sit back and relax knowing you have holiday insurance including cruise cover.

Whether opting for a river cruise, sea or ocean cruise, by adding our cruise travel insurance add on to your travel insurance policy, you can benefit from extra protection for your cruise holiday for scenarios such as missed ports, unused excursions and cabin confinement.

What does Cruise Insurance Cover?

Our cruise travel insurance covers:

  • Up to £2,000 missed port cover
  • Up to £1,000 cabin confinement cover
  • £150 cover for unused excursions
  • Evening wear cover up to £150

Don’t forget if you’re also travelling with your smart phone, camera, or tablet you can add-on gadget cover when you get a quote.

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Compare Cruise Cover

In addition to purchasing our standard single trip travel insurance, you can add the following additional cruise cover travel insurance options.

Benefit 3 star
4 star
5 star
Missed Port £100 per port, up to £1,000 per person £150 per port, up to £1,500 per person £200 per port, up to £2,000 per person
Cabin Confinement £500 £750 £1,000
Unused Excursions £150 £150 £150
Increased personal baggage limits - Single item limit £500 £750 £1,000
Increased personal baggage limits - Valuables limit £500 £750 £1,000
Evening Wear Nil £100 £150
3 star
Missed Port £100 per port, up to £1,000 per person
Cabin Confinement £500
Unused Excursions £150
Increased personal baggage limits - Single item limit £500
Increased personal baggage limits - Valuables limit £500
Evening Wear Nil
4 star
Missed Port £150 per port, up to £1,500 per person
Cabin Confinement £750
Unused Excursions £150
Increased personal baggage limits - Single item limit £750
Increased personal baggage limits - Valuables limit £750
Evening Wear £100
5 star
Missed Port £200 per port, up to £2,000 per person
Cabin Confinement £1,000
Unused Excursions £150
Increased personal baggage limits - Single item limit £1,000
Increased personal baggage limits - Valuables limit £1,000
Evening Wear £150

Terms and Conditions apply. Please note, an excess may apply for any claim. For more details, please see the policy wording or call us on 0333 320 1240. The above amounts are based on per person.

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Cruise Insurance Cover Explained

What is a Missed Port?

A missed port is when your cruise ship is unable to make a scheduled port stop due to bad weather or a time-table restriction and the ship is unable to dock at an alternative unscheduled port.

It’s unfortunate that sometimes on cruises that the ship might be unable to stop at the destinations that are scheduled as part of your trip.

If you are not offered financial compensation by the cruise company or on-board credit, then depending on your circumstances you may be covered by our cruise holiday insurance.

What is Cabin Confinement?

If you become unwell or injured on your trip, the ship’s medical officer might ask you to remain in your cabin.

They may ask you to do this to keep you safe and help with your recovery.

If this happens then depending on your circumstances you may be covered within your cruise cover travel insurance, as explained in the table above in our cruise insurance from the UK policy, for the time you are asked to remain in your cabin.

What Happens if There are Unused Excursions?

If you have any pre-booked or pre-paid excursions that you are unable to participate in due to becoming unwell or injured on your trip and have been asked to remain in your cabin by the ship’s medical officer, then our cruise cover holiday insurance will cover this to the amount highlighted in the table above.

Are There Increased Personal Baggage Limits?

Increased personal baggage limits are an increase in the sums insured for personal possessions up to the amounts shown for cruise cover in the table above.

What if My Evening Wear Gets Stolen?

If your evening wear gets stolen, becomes lost or damaged during your insured trip you will be covered if you buy holiday insurance including cruise cover with us.

Depending on the circumstances, we will either cover you for hiring replacement formal evening wear or in cleaning and/or repairing your own formal evening wear.

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FAQs about Cruise Travel Insurance

Add on cruise ship travel insurance allows you to be insured for those extra things that you might not need on a standard trip.

For example if bad weather occurs, and you’re unable to make a scheduled port stop and are unable to go to an alternative port, then cruise travel insurance will cover this. 

Cruise cover travel insurance also covers things such as cabin confinement if you are unwell or injured and the ship's medical officer asks you to rest in your cabin.


With all of our cover levels from 3 star to 5 star, you have the option to add on cruise cover, as well as many of our other options, such as gadget cover.

Each of our additional holiday insurance cruise cover options can be added to your holiday insurance through getting a quote online or by giving us a call.


Our travel insurance cruise cover is only available when choosing our single trip policy.

The optional cover will be available to choose when completing your single trip quote.


The earlier you purchase your travel insurance, the more protection you will have from events which can occur before your holiday starts.

Some operators will ask you to buy your cruise cover holiday insurance at the same time as booking your cruise, however others will allow you to buy cruise cover insurance in your own time.

You will need to buy travel insurance before you set off on your cruise.


If you have a pre-existing medical condition, you’ll be pleased to know that we cover a wide range of medical conditions.

We are able to offer cruise travel insurance for most pre-existing medical conditions, some of the most common of which include:

  • Heart Conditions
  • Diabetes
  • Asthma and respiratory problems
  • Chronic illnesses such as Crohn's disease
  • Joint and bone problems
  • Mental Health Issues

All you need to do is complete our online quote and fill in all your information about your condition and add cruise cover insurance.


If you are going on a cruise you must purchase our cruise insurance add-on to be fully covered under your travel insurance under all sections of the policy.

So buying holiday insurance including cruise cover is a must for all cruises. This includes cruise insurance in the UK for domestic cruises.

Cruise travel insurance covers elements that are not covered in standard holiday insurance and elements that are specific for cruises.


Please refer to our Covid-19 section in your policy details for full details on what is covered within your policy.


Please refer to our Covid-19 section in your policy details for full details on what is covered within your policy.

Alternatively please call us directly and we can give you the assistance and help that you need. To find the correct phone number for your location please go to our contact us page.


Yes, all of our travel insurance cruise cover policies include repatriation and emergency medical cover, with our 5 star policy insuring you up to £15,000,000.


It’s very important that you let us know about any pre-existing medical conditions when applying for your travel insurance.

If you choose not to let us know, you won’t be covered for anything that arises from, is related to, or has been caused by any pre-existing medical conditions.

If you’d like to know more about our pre-existing medical conditions please click here


Yes, our cruise travel insurance covers all types of cruises, including river cruises. Travel insurance is not only required for cruises abroad, but all domestic cruises within the UK.


Our cruise travel insurance will cover you for most destinations. If the FCDO, World Health Organisation or local authorities have advised against ‘all’ or ‘all but essential’ travel to your destination, then it will not be safe to travel and doing so, would mean that your travel insurance policy would not be valid.


Should you have a medical emergency during your cruises, as long as you have declared any pre-existing medical conditions you will be covered by your travel insurance policy.


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