Can You Buy Cruise Insurance After Booking?

Picture this: you’ve been planning your dream cruise for months, selecting the perfect itinerary, booking excursions and making dinner reservations. Everything seems to be falling into place until a sudden family emergency arises.

Your heart sinks as you realize that you may have to cancel your trip. But wait! Is it possible to buy cruise insurance after booking? In this blog post, we will explore the answer to this crucial question and help ensure that your next vacation is fully protected from unexpected mishaps.

What is cruise insurance?

When you book a cruise, you typically have to pay the full cost of the cruise up front. This means that if you have to cancel your cruise for any reason, you will likely lose all of the money you paid for it. Cruise insurance is designed to protect you from financial losses in the event that you have to cancel your cruise due to an unforeseen circumstance, such as illness or bad weather.

There are two main types of cruise insurance: trip cancellation insurance and travel delay insurance. Trip cancellation insurance will reimburse you for any non-refundable expenses if you have to cancel your cruise due to an eligible reason, such as sickness, jury duty, or bad weather. Travel delay insurance will reimburse you for expenses incurred if your cruise is delayed due to an eligible reason, such as missed connections or bad weather.

Most cruise lines offer some form of trip protection plan, but they may not cover everything that you want or need. That’s where buying third-party cruise insurance comes in. Third-party insurance plans can be customized to cover things like pre-existing medical conditions, cancellations for any reason, and evacuation costs.

Do you need cruise insurance?

According to most experts, the answer is yes – you should buy cruise insurance, even if you have existing health insurance. Here’s why:

Your health insurance may not cover you while you’re on a cruise ship. Even if it does, there may be limits on what’s covered and you may have to pay out of pocket costs.

 Cruise ship medical facilities are not always up to the standards of land-based hospitals. If you need to be evacuated to a hospital for treatment, it could be very expensive.

 If you have to cancel your cruise for a covered reason (like a serious illness), cruise insurance will reimburse you for any non-refundable expenses.

 And finally, trip protection plans also offer other valuable coverage, like lost baggage and travel delays.

How to buy cruise insurance

If you’re planning a cruise, you may be wondering if you can purchase cruise insurance after booking your trip. The answer is yes, you can buy cruise insurance after booking your trip. However, it’s important to keep in mind that most insurers have a deadline by which you must purchase insurance in order to be covered.

There are several things to consider when purchasing cruise insurance, such as what type of coverage you need and what your budget is. You should also research different insurers to find the one that best meets your needs.

When buying cruise insurance, be sure to read the policy carefully so that you understand what is and isn’t covered. Keep in mind that some policies only cover certain types of cruises, so if you’re planning a luxury cruise, for example, you may need to purchase a separate policy.

If you have any questions about buying cruise insurance, be sure to contact your insurer or travel agent for more information.

What does cruise insurance cover?

Cruise insurance typically covers Trip Cancellation and Interruption, Missed Connection, Baggage Loss or Delay, and Emergency Medical and Dental expenses.

Trip Cancellation and Interruption insurance reimburses you for non-refundable deposits and payments if you have to cancel or interrupt your cruise for a covered reason, such as a serious illness or death in the family.

Missed Connection insurance covers the cost of catching up to your cruise if you miss your original sailing due to a delayed flight or other transportation mishap.

Baggage Loss or Delay insurance reimburses you for essential items if your luggage is lost or delayed by the airline or other transport provider.

Emergency Medical and Dental expenses provides coverage for unexpected medical treatment while on your cruise vacation.

Are there any exceptions to coverage?

There are a few exceptions to coverage under a typical cruise insurance policy. These include:

-Pre-existing medical conditions: Most policies will not cover any medical expenses related to a pre-existing condition. Be sure to disclose any and all pre-existing conditions when purchasing your policy.

-Cancellation for any reason: While most policies will cover cancellations due to sickness or injury, they typically will not cover cancellations for any other reason (e.g., work commitments, change in plans, etc.).

-Missed connections: If you miss your cruise ship due to a delayed or cancelled flight, most policies will not cover the cost of catching up to the ship at the next port.

-Acts of war or terrorism: Some policies may exclude coverage for events such as war or terrorism. Be sure to check the terms and conditions of your policy for any such exclusions.

How much does cruise insurance cost?

The cost of cruise insurance varies, depending on the length of the cruise, the age of the passengers, and the destination. For a one-week cruise, insurance may cost around $50 per person. Older passengers or those with preexisting medical conditions may pay more. Insurance for a cruise to Alaska or Europe may be more expensive than for a Caribbean cruise.


In summary, cruise insurance is an essential part of planning your dream vacation. Whether you choose to purchase it before or after booking a cruise, the coverage provided by cruise insurance will ensure that should anything unexpected occur, you and your family are protected financially.

By researching different policies available to you and purchasing one that best fits your needs, you can rest assured knowing that no matter what happens on your next holiday adventure, you will be taken care of.