Cruising is an excellent way to explore various destinations while enjoying a vast array of onboard amenities. However, unexpected situations such as illness, bad weather, or other travel inconveniences could disrupt your dream vacation. Cruise insurance plans can provide valuable coverage and help mitigate the financial burden of such unforeseen events. Here are our top five picks for the best cruise insurance plans available today.

1. Allianz Global Assistance – OneTrip Premier Plan

Designed with cruises in mind, the OneTrip Premier Plan from Allianz Global Assistance offers comprehensive coverage for trip cancellation, trip interruption, medical emergencies, and baggage loss. This plan also includes exclusive benefits like pre-existing condition waiver, travel delay coverage, supplier financial default protection, and a 24-hour hotline for assistance.

Key Highlights:

– Up to $50,000 in emergency medical coverage

– Pre-existing condition waiver if purchased within 14 days of initial trip deposit

– Trip cancellation coverage up to 100% of non-refundable trip costs

2. Generali Global Assistance – Premium Plan

The Premium Plan from Generali offers extensive travel protection alongside convenience services to ensure a smooth cruise experience. Coverage includes trip cancellations, interruptions, medical emergencies, and baggage loss or delay. Additionally, a concierge service is available to assist with dinner reservations or excursion recommendations.

Key Highlights:

– Up to $1 million in emergency assistance and transportation

– Trip interruption coverage up to 175% of total non-refundable trip costs

– Concierge service included

3. Travel Insured International – Worldwide Trip Protector Plus

This comprehensive plan from Travel Insured International goes above and beyond traditional cruise insurance coverage. The Worldwide Trip Protector Plus plan provides options like “Cancel for Any Reason,” which allows you to cancel your trip without explanation for up to 75% reimbursement of your non-refundable costs.

Key Highlights:

– Cancel for Any Reason option available

– Up to $100,000 in emergency medical coverage

– Coverage for pre-existing conditions when purchased within 21 days of initial trip deposit

4. Travelex Insurance – Travel Select

Travelex’s Travel Select plan is an excellent choice for family cruising. With coverage for children under 17 included at no additional cost when accompanied by an insured adult, this plan offers comprehensive protection without breaking the bank. Coverage includes trip cancellation, interruption, medical emergencies, and lost or damaged baggage.

Key Highlights:

– Children under 17 covered at no additional cost

– Up to $50,000 in emergency medical coverage

– Pre-existing conditions waiver available if purchased within 15 days of initial trip deposit

5. Seven Corners – RoundTrip Elite

The RoundTrip Elite plan from Seven Corners provides a top-tier protection package that covers pre-existing conditions, trip cancellation and interruption, missed connections, emergency medical expenses, and baggage loss or delay. This plan also offers optional “Upgrade to Cancel for Any Reason” coverage for added flexibility.

Key Highlights:

– Up to $250,000 in emergency medical coverage

– Pre-existing condition waiver if purchased within 20 days of your initial trip deposit

– Optional Cancel for Any Reason upgrade

In conclusion, consider these five options when looking for cruise insurance plans to help ensure a stress-free and enjoyable vacation experience. Carefully review each policy’s details and choose the one that best suits your specific needs and travel preferences. Happy sailing!