How Much Is Insurance for a Cruise Ship?

By Alice Nichols

Cruise ships are a popular way to travel the world and explore different cultures, but they also come with some risks. Insurance is an important step in protecting yourself and your belongings while aboard a cruise ship. There are several different types of insurance available, each with its own cost and coverage.

Cancellation Insurance

Cancellation insurance is often included in the cost of the cruise ticket, but it can also be purchased separately. This type of insurance covers the cost of any non-refundable deposits or payments made for the cruise if you are forced to cancel due to illness, injury, or other unforeseen circumstances. Cancellation insurance typically ranges from 3% to 8% of the total cost of the cruise.

Travel Insurance

Travel insurance covers medical expenses incurred during a cruise, as well as lost or damaged luggage, trip delay reimbursements, emergency evacuation costs, and more. The cost of travel insurance depends on the length and type of cruise you are taking. For a short three-day trip, it may only be around $50 per passenger; however, for a longer trip such as a month-long excursion around the world, it could be much higher.

Medical Insurance

Medical insurance is designed to cover any medical expenses incurred while on board a cruise ship due to illness or injury. The exact coverage provided by this type of policy will vary by provider but typically includes hospital stays, prescription medications, doctor’s visits, treatments and therapies. Medical insurance can range from $30-$100 per passenger depending on how comprehensive the coverage is.

Liability Insurance

Liability insurance covers any third-party damages caused by you or your family members while on board a cruise ship. This includes medical bills for those injured as well as damage to property owned by another person or company due to your negligence or carelessness. Liability insurance costs depend on how much coverage you need and can range from $50-$200 per passenger.

In conclusion, there are several different types of insurance available for those planning to take a cruise ship vacation. Cancellation insurance is usually included in the price of the ticket while other types such as travel and medical may need to be purchased separately depending on what type of coverage is required. Prices vary based on length and type of cruise as well as how comprehensive the coverage needs to be but typically range from $30-$200 per passenger.