Cruise cover explained
How does Covered2Go Cruise Travel Insurance work?
Cruise Cover extends eligible Covered2Go Single Trip or Annual Multi-Trip Travel Insurance for cruise holidays. If your trip includes a cruise, you must select Cruise Cover and pay the required additional premium. No cover is provided for a cruise trip unless Cruise Cover has been selected and paid for.
Select “Cruise Cover” under “Add optional cover (if required)” when entering your trip details. Before travelling, check that Cruise Cover and the correct geographical area and travel dates are shown on your Certificate of Insurance.
Part 1
Choose your base policy
Choose Single Trip or Annual Multi-Trip Travel Insurance and compare the Silver, Gold and Platinum cover levels.
Part 2
Add Cruise Cover
If your trip includes a cruise, select Cruise Cover while entering your trip details, so your cruise holiday is included in your cover.
Before you travel
Check your documents
Check that Cruise Cover and the correct geographical area and travel dates are shown on your Certificate of Insurance.
Your main policy and Cruise Cover work together
Cruise Cover is not a standalone policy. To cover a cruise holiday, you need eligible Covered2Go travel insurance with Cruise Cover selected, paid for and shown on your Certificate of Insurance.
Planning a cruise?
Tell us where you’re travelling and choose the geographical area that covers every country on your trip. If your cruise visits countries in more than one geographical area, select the option that covers them all. Then select Cruise Cover before getting your quote.
What is Cruise Travel Insurance?
Cruise Travel Insurance combines an eligible Covered2Go travel insurance policy with Cruise Cover. Cruise Cover extends the main policy for cruise holidays and includes benefits for specified cruise-related events.
A cruise is a trip on an ocean, sea or river vessel used for both accommodation and transportation. Ferry crossings are not cruises. The destinations, stopovers and full trip duration must fall within the geographical area and dates shown on your Certificate of Insurance.
Cruise Cover at a glance
- Available with Single Trip or Annual Multi-Trip cover
- Available with Silver, Gold and Platinum
- Required for eligible ocean, sea and river cruise trips
- Cruise-specific benefit limits vary by cover level
- Must be selected, paid for and shown on your Certificate of Insurance
Do I need Cruise Cover for a cruise holiday?
Yes. If your trip meets the policy definition of a cruise, Cruise Cover must be selected, the additional premium must be paid and the cover must appear on your Certificate of Insurance. Otherwise, no cover is provided for the cruise trip.
What can Cruise Cover include?
Depending on whether you choose Silver, Gold or Platinum cover, the Cruise Cover extension can include the following maximum benefits. Each claim must meet the applicable policy definition, conditions and evidence requirements.
Up to £1,500
Missed port departure
Eligible additional travel expenses to reach the next overseas port if an insured transport delay causes you to miss your outward cruise departure.
Up to £1,000
Skipped port benefit
A benefit for eligible ports your cruise operator cannot dock at because of adverse weather or timetable restrictions.
Up to £2,000
Low or high water
A benefit for eligible river-cruise disruption where water levels lead to land-based accommodation or a required change of ship.
Wider benefits from your main policy
- Up to £10 million emergency medical expenses
- Up to £10,000 cancellation and curtailment
- Up to £5,000 baggage and personal belongings
- Cover for eligible travel delay and missed departure
- Up to £10,000 End Supplier Failure
- 24-hour emergency medical assistance
Maximum benefits shown are available on selected cover levels. Cruise Cover extends the main policy and must be selected and paid for before a cruise trip is covered. Sub-limits, evidence requirements, excesses, terms, conditions and exclusions apply.
Compare our Cruise Cover levels
Cruise Cover can be selected with Silver, Gold and Platinum travel insurance and is required for a cruise trip to be covered. The table below compares the principal cruise-specific limits.
On a smaller screen? Swipe across to view the complete table.
| Cruise Cover benefit | Silver | Gold | Platinum |
|---|---|---|---|
| Missed port departure | £750 | £1,000 | £1,500 |
| Skipped port benefit | £35 per port £500 maximum |
£50 per port £750 maximum |
£75 per port £1,000 maximum |
| Cabin confinement | £35 per 24 hours £500 maximum |
£50 per 24 hours £500 maximum |
£75 per 24 hours £750 maximum |
| Cruise attire lost or damaged | £1,000 | £1,000 | £1,000 |
| Single cruise-attire item | £300 | £300 | £300 |
| Unreceipted cruise-attire items | £50 per item £150 maximum |
£50 per item £150 maximum |
£50 per item £150 maximum |
| Cruise attire delayed by 24 hours | £50 per 24 hours £250 maximum |
£50 per 24 hours £250 maximum |
£50 per 24 hours £250 maximum |
| Shore excursions | £1,000 | £1,000 | £1,000 |
| Cruise interruption | £1,500 | £1,500 | £1,500 |
| Low or high water | £100 per occurrence £2,000 maximum |
£100 per occurrence £2,000 maximum |
£100 per occurrence £2,000 maximum |
| Denied boarding – additional expenses | £250 | £250 | £250 |
This is a summary only. Cruise Cover applies when it has been selected, the additional premium has been paid and it is shown on your Certificate of Insurance. Please check the Policy Wording for the complete definitions, limits, evidence requirements, conditions and exclusions.
Cruise-specific benefits explained
Cruise Cover is designed for specified events that can arise during a cruise holiday. The following summaries do not replace the full Policy Wording.
Missed and skipped ports
Missed port departure can cover eligible travel expenses to reach the next overseas port following an insured transport delay. Skipped port benefit applies where adverse weather or timetable restrictions prevent docking at a scheduled port.
Cabin confinement
A benefit may be payable if illness or injury confines you to your cabin or requires you to remain in a state hospital as an in-patient during the trip. Written confirmation is required.
Cruise attire
Cover can apply if your own eligible formal cruise attire is lost, stolen, damaged or destroyed, or is delayed for at least 24 hours on the outward journey. Item limits and evidence requirements apply.
Shore excursions
Cover can apply to eligible unrecoverable pre-paid excursion costs if illness or injury prevents you from taking part, or if the ship cannot make the scheduled port stop.
Cruise interruption
Eligible additional travel expenses may be covered if treatment on land is required because of illness or injury and you need to reach the next port to re-join your cruise.
River cruises and denied boarding
Low or high water benefit can apply to specified river-cruise disruption. Additional expenses may also be covered if suspected contagious disease leads the cruise operator to deny boarding.
Can Cruise Cover apply to different types of cruises?
Cruise Cover may be available for a range of eligible ocean, sea and river cruise holidays. Your complete itinerary, trip duration, destinations and planned activities must meet the policy requirements. A ferry crossing on its own is not classed as a cruise.
Ocean cruises
Cover may be available for eligible ocean cruises in Europe and worldwide, provided the correct geographical area is selected.
River cruises
Eligible river cruises can be covered, with a specific benefit available for certain disruption caused by insufficient or excess water levels.
World cruises
For longer cruises, check that every destination and stopover is included and that the full journey falls within the maximum trip duration available to you.
Expedition cruises
The cruise itinerary may be eligible, but shore activities or expedition elements can have separate requirements or exclusions. Check each planned activity before purchasing.
Check every destination and activity
Select a geographical area that includes every country and relevant stopover. Cruise Cover does not automatically cover every shore activity; separate Sports and Activities cover may be required, and some activities are excluded.
Single Trip or Annual Multi-Trip Cruise Travel Insurance?
The right policy will usually depend on the duration of your cruise and how many other holidays you expect to take during the year.
If you’re aged 65 or over, you can also read about our travel insurance for over 65s, including the age limits for Single Trip and Annual Multi-Trip cover and information relevant to older travellers planning a cruise.
One cruise holiday
Single Trip Travel Insurance
Cover for one specific journey. Single Trip cover is available for eligible travellers up to age 99, with trips lasting up to 365 days, subject to age, destination and eligibility.
Several holidays
Annual Multi-Trip Travel Insurance
Cover for multiple eligible trips during a 12-month policy period. Each trip can last up to 31 days as standard, with optional 45 or 60-day extensions. Cover is available up to age 85, subject to eligibility.
Check the complete cruise duration
Your full trip must fall within the maximum duration shown on your Certificate of Insurance. Annual Multi-Trip cover may not be suitable for a cruise that exceeds the maximum duration available for each individual trip.
Cruise Travel Insurance with pre-existing medical conditions
Cover may be available for a wide range of pre-existing medical conditions. Some conditions are covered automatically when the Policy Wording requirements are met, while other relevant conditions require separate medical screening through Millstream Underwriting Limited.
At present, customers who require screening need a Covered2Go base travel insurance policy and separate Millstream medical screening cover. You can complete these in either order, and you do not need a Covered2Go policy number to begin screening.
Older cruise travellers can also find information about age limits and medical screening on our Over-65s Travel Insurance page. Cover remains subject to eligibility, medical screening where required and the applicable policy terms.
Covered2Go base policy and Cruise Cover
Arrange your base travel policy and select and pay for Cruise Cover if your trip includes a cruise. Your Covered2Go policy can be purchased before or after medical screening.
Separate Millstream medical screening
Declare relevant conditions online or by telephone. If cover can be offered, any additional medical premium is paid separately to Millstream.
Where screening is required, both your Covered2Go base policy and separate medical screening cover must be in place before you travel. Make sure any additional medical premium has been paid and keep your screening endorsement with your policy documents.
How to add Cruise Cover
Tell us about your complete trip, select Cruise Cover and compare the cover levels available to you. Cruise Cover must be selected and paid for if your trip includes a cruise.
Step 1
Enter your trip details
Tell us where and when you are travelling and who needs cover. If your trip includes a cruise, select “Cruise Cover” under “Add optional cover (if required)” before getting your quote.
Step 2
Choose your cover level
Compare the Silver, Gold and Platinum options shown in your results and select the cover level that meets your needs.
Step 3
Complete your details and purchase
Provide the remaining traveller information, review your quote and pay for your chosen policy and Cruise Cover.
Step 4
Check your documents
Check that your travellers, dates, geographical area and Cruise Cover are shown correctly on your Certificate of Insurance.
Important information before your cruise
Cruise Cover has limits, conditions and exclusions. Check these points before purchasing and again before departure.
Select Cruise Cover
No cover is provided for a cruise trip unless Cruise Cover has been selected, paid for and shown on your Certificate of Insurance.
Allow enough time
Missed port departure is not covered if you have not allowed sufficient time to reach the departure point shown on your itinerary.
Keep written evidence
Claims may require confirmation from the cruise operator, transport provider, medical practitioner, police or another relevant authority, together with receipts where applicable.
Recover costs elsewhere first
Cruise Cover does not provide duplicate payment for costs recovered elsewhere or claimed under another section of the policy.
Follow travel advice
Cover is restricted where you travel against applicable FCDO, government, local authority or medical advice.
Declare medical conditions where required
Relevant pre-existing medical conditions must be declared and accepted through separate medical screening where required.
This is not a complete list
Please read your quote, Certificate of Insurance and the current Policy Wording for the complete cover limits, conditions and exclusions.
Why Covered2Go?
Why choose Covered2Go for your cruise holiday?
Choose from Silver, Gold and Platinum travel insurance and add Cruise Cover for eligible cruise-specific benefits.
Which? Best Buy status
Covered2Go Silver, Gold and Platinum cover achieved Which? Best Buy status in 2026.
Choice of cruise benefits
Compare Cruise Cover limits across Silver, Gold and Platinum to find a level suited to your trip.
24-hour assistance
Emergency medical assistance is available 24 hours a day while you are travelling.
UK-based support
The Covered2Go team can help with general quote and policy questions before your cruise.
Need help with Cruise Cover?
Contact the appropriate team depending on whether your question relates to your travel insurance or medical screening.
Covered2Go Customer Care
For questions about your cruise itinerary, Cruise Cover, quote or Covered2Go policy.
Medical Screening Service
For declaring a condition, discussing medical screening questions or reporting a change in health.
Ready to cover your cruise holiday?
Get a quote, select and pay for Cruise Cover, and compare Silver, Gold and Platinum cover for your complete itinerary.
Cover is subject to eligibility, medical screening where required, the premium paid, benefit limits, excesses, terms, conditions and exclusions.
