Going on a cruise trip? There are insurances with coverage developed especially for this type of trip. Check out how to guarantee a peaceful and unforeseen vacation.
Enjoying a ship trip is a delight. The feeling of sailing the seas and waking up in a different place every day is what we call a vacation, right? But on the high seas, it is essential to take out travel insurance for cruises, also known as “cruise travel insurance” or “maritime travel insurance”.
Many people think that because they are traveling by ship, either through Spain or to international destinations, they will not need travel insurance. But it is important not to underestimate good insurance to cover theft, loss and, above all, medical problems. After all, you never know what can happen, and cases like these can happen to you during your trip, and can cost much more than marine travel insurance.
For those who want to take a national or international cruise, there are plans with coverage specially developed for this situation. Thus, you guarantee a smooth and unforeseen trip. After all, there's nothing that can ruin a vacation easier than an accident or a stolen camera.
In this text we clarify all doubts about travel insurance for cruises for a dream ship trip:
In this post you will see:
- What is marine travel insurance or cruise travel insurance?
- Is it mandatory to take out marine travel insurance?
- Does cruise travel insurance have coverage for covid?
- What is the best cruise travel insurance?
- How to buy cruise travel insurance
- How much does marine travel insurance cost?
- Travel insurance discount coupon
- How does cruise travel insurance work?
- Marine travel insurance coverage
- Frequently Asked Questions
What is marine travel insurance or cruise travel insurance?
After all, what is this type of insurance? Travel insurance for cruise ships is insurance made especially for travel by ship. It covers medical and hospital expenses, lost or damaged luggage, legal assistance and guarantees assistance and services in case of any mishap during the trip.
An important detail, all ocean waters are international even when traveling within Spain. So even if you take a cruise from Santos to Ilhabela, if you are on the high seas, you will be in international waters.
Therefore, domestic maritime travel insurance is the same as international insurance, and the rules of coverage are the same.
Is it mandatory to take out marine travel insurance?
Cruise travel insurance may be mandatory depending on your destination.
In Europe, for example, it is mandatory for the 26 countries that belong to the Schengen Treaty. However, there are still other countries where travel insurance is mandatory, such as Venezuela, Cuba, Ecuador and Australia. So if your cruise stops in one of these countries, stay tuned and guarantee your maritime travel insurance.
And even in countries where insurance is not mandatory, it is a highly recommended item for any trip. After all, the investment is low compared to the expenses that can happen in case of any eventuality.
Does cruise travel insurance have coverage for covid?
There are, yes, some travel insurances that cover medical care related to Covid-19. However, it is worth noting that not all of them are.
To ensure that you will have travel insurance coverage if you are diagnosed with Covid abroad, look for plans that specify this particularity. It is common to have this information right in the title of the insurance product, as you can see in the examples below. Even so, always remember to read the policy carefully and ask any questions before hiring.
A good way to look for travel insurance with coverage for Covid-19 is to use a online comparison of insurance plans. So you can look side by side the deductible provided by each insurer, and choose the one that best fits your reality.
See below an example of prices with different insurers for 7-day sailing trips with covid coverage:
What is the best cruise travel insurance?
Some of the main travel insurance for cruises are Assist Card 35 World, Universal Assistance 40 World Special and the Travel Care 40 World + Covid 19 with affordable prices and complete coverage. Below we list the qualities of each for your trip:
AC 35 World
Coverage of US$ 35 for medical and hospital expenses + US$ 1.200 for luggage insurance. It also covers sports, dental emergencies, pregnant women up to 28 weeks and also has pharmaceutical reimbursement. – SEE PRICES
UA 40 World Special
Coverage of US$ 40 for medical and hospital expenses + US$ 1.200 for luggage insurance. It also covers sports, dental emergencies, pregnant women up to 28 weeks and has pharmaceutical reimbursement. – SEE PRICES
TC 40 World + Covid 19
Coverage of US$ 40 thousand for medical and hospital expenses + US$ 1.300 for luggage insurance. It also covers dental emergencies, pharmaceutical purchases and all medical and hospital expenses related to Covid-19. – SEE PRICES
See more details below about each of the insurers or check out other options on the online comparator.
| Insurance | Assist Card | Universal Assistance | travel care |
| Plano | AC 35 World | UA 40 World Special | TC 40 World + Covid 19 |
| Medical and hospital expenses | U.S. $ one thousand 35 | U.S. $ one thousand 40 | U.S. $ one thousand 40 |
| Medical coverage for sports | Inside DMH (per event) | Inside DMH | No |
| coverage for pregnant women | Within DMH (per event) – Up to 28 weeks | Within DMH – Up to 28 weeks | No |
| dental coverage | US$ 500 | US$ 500 | US$ 500 |
| pharmaceutical coverage | $500 (refund) | $500 (refund) | $800 (refund) |
| Medical expenses for covid-19 | No | No | Yes |
| sanitary return | U.S. $ one thousand 30 | U.S. $ one thousand 20 | U.S. $ one thousand 60 |
| Flight delay expenses | US$ 100 | - | US$ 300 |
| Assistance in locating lost luggage | Yes | Yes | Yes |
| Danos to mala | No | US$ 100 | US$ 300 |
| Lost luggage insurance | $1.200 (additional) | $1.200 (supplementary) | $1.300 (supplementary) |
| Legal assistance for traffic accident | US$ 4.000 | US$ 1.200 | US$ 1.500 |
| insurance value | R$ 76.87 (per day) | R$ 19,13 (per day) | R$ 41,59 (per day) |
How to buy cruise travel insurance
Taking out cruise travel insurance is very simple and you can do it online. A highly recommended insurance comparator is Promo insurance, a site that we trust and that offers all the information about the best plans on the market to help you when choosing.
Right on the home page, select the destination continent, enter the departure and arrival dates, fill in your name, your email, your telephone number and click on “search travel insurance".
You will be directed to a list of available insurance for the destination. To use the comparator, choose from two to four plans and select the option “compare plan“. Then click on the “compare“ on the lower right side of the screen.
Ready! Now you can see the advantages of each insurance side by side to make a decision and finalize the purchase.
After hiring, you receive your marine travel insurance policy by email. Keep this document well, as it contains the general conditions of the contracted plan and all the information on how to call the insurance company in case of an emergency.
So, if there is any eventuality on the trip, you can contact the insurance company via phone, WhatsApp, online chat or email. All contact numbers and forms are available on the policy – that's why it's so important to keep the document in an easily accessible place.
It is also worth remembering that all insurers listed in the Promo insurance 24/7 support and fully in Portuguese. That is, even if “at the end of the world”, don't worry, the service will be super easy! ?
Check out all cruise travel insurance options.
How much does marine travel insurance cost?
It is possible to hire good maritime travel insurance for prices from R$ 16 per day. You can even use a online insurance comparator to check available plans.
The amount of insurance may vary depending on the age of the person who hires it or the services that you intend to buy from the insurer. For example, an elderly person will have travel insurance a little more expensive than a 20-year-old. And travel insurance with covid coverage will also have slightly higher expenses. That's why we recommend that you use the insurance comparator to evaluate which best suits your trip.
Insurance is, in general, very cheap and well worth it because it gives you the security of having a smooth trip, without worrying about how to deal with an emergency – just activate the insurance and it will take care of you.
The truth is, everyone buys insurance to have peace, and hopes they never need it. However, if necessary, having this support is quite a help in the midst of a crisis.
Check out all cruise travel insurance options.
Travel insurance discount coupon
Better than being covered against eventual emergencies during the trip, it is to hire insurance with the best price on the market. For this, Travel Tips readers can use the coupon FORTRAVELOVERS and guarantee 5% off the final price. Too much, huh?
Oh, and there is an additional 5% discount for those who pay with boleto, pix or bank transfer, and these discounts are cumulative. That is, you can guarantee savings of up to 10% when purchasing your ship travel insurance. Also remembering that the purchase of insurance can be paid in up to 12 installments, making payment as easy as possible.
- Click to redeem coupon FORTRAVELOVERS and get 5% off
- Pay by boleto, Pix or wire transfer to earn an extra 5% and reach the 10% off!
How does cruise travel insurance work?
Marine travel insurance has the same coverage as regular travel insurance. It covers medical, hospital and dental expenses, cases of loss or damage to luggage, legal assistance, among others.
Also, let's say you take a cruise in Greece, but with a stopover in Turkey. Cruise travel insurance also provides coverage for the entire world. You don't have to make two different hires. So, if you want to take a cruise and then a trip overland, your maritime travel insurance will still be valid.
There are not many differences in coverage between international travel insurance and marine travel insurance. However, there is one that stands out: as you will be aboard a ship at sea, your medical care options are restricted. Only the ship's own medical team will be able to attend to you. Then, in case of need for a doctor, the costs will be paid by the traveler and, later, they will be reimbursed by the insurance company on the return of the trip, according to the policy limit.
To claim travel insurance, you can call your policy's telephone number, free of charge, from anywhere in the world. The service is always in Portuguese. Some insurers also have mobile apps, which makes communication even easier.
Always have your policy number and personal data handy. Tell the representative about your problem and he will give you the support you need to deal with the situation – and try to stay calm to understand the instructions and get out of the situation in the best way possible.
Marine travel insurance coverage
The coverage of marine travel insurance, as we have already mentioned, is the same as for a common travel insurance. In addition to coverage for medical emergencies, some plans offer additional coverage such as legal support, reimbursement of expenses for delays or damage to luggage, among others.
One detail that you may be in doubt is whether maritime travel insurance covers the entire trip. The answer is yes: from the departure from the airport of España (in the case of international travel) to the return, on the plane journey, on the land routes and even in the cities where the cruise stops.
Ship travel insurance must cover the following items:
- 24-hour medical, hospital or dental care
- medical transfer
- Sanitary return (in case the passenger is unable to return home as a regular passenger)
- Body transfer and coverage for death while traveling
- Total disability due to accident while traveling
There are also some extra coverages that you can purchase in a marine travel insurance:
- Support for Covid-19 and Pandemics
- trip cancellation
- Early return due to accident
- Expenses for misplaced, lost or damaged luggage
- Accidents in extreme sports
- flight delay
- Pregnant
Carefully read your international marine insurance policy to find out what is and is not included in your coverage.
Did you like our travel insurance tips for Maritime cruises? Leave your comment or question here.
Frequently Asked Questions
What is cruise travel insurance or ship travel insurance?It is a travel insurance that covers medical and dental expenses, lost luggage, among others, during a cruise or ship trip… Continue reading.
How much does marine travel insurance cost?It is possible to hire good maritime travel insurance for prices from R$ 16 per day. You can even use a online insurance comparator to check available plans. See details.
How to get cruise travel insurance?Taking out cruise travel insurance is very simple and you can do it online. Access to Promo insurance, site we trust, and check out all the information about the best insurance on the market. See the step by step here.
What is the best marine travel insurance?Some of the main travel insurance for cruises are Assist Card 35 World, Universal Assistance 40 World Special and the Travel Care 40 World + Covid 19 with affordable prices and complete coverage. Know more details.
What is the cheapest marine travel insurance?The cheapest cruise travel insurance is ITA 15 Maritime with a daily cost from R$ 16. It covers medical, hospital and dental expenses, repatriation services, legal assistance, among others. See coverage details.
What does marine travel insurance cover?24-hour medical, hospital and dental emergencies, medical transfer, medical return, body transfer in case of death, total or partial permanent disability... cruise travel insurance copper.
How to activate travel insurance for cruises?If you are on the high seas, medical care will be provided by the ship's staff and then you must request reimbursement from the insurance company. If you are on dry land, contact the insurance company's Assistance Center using the numbers provided in your insurance policy. read more information.
How does ship travel insurance work?Marine travel insurance has the same coverage as regular travel insurance. It covers medical, hospital and dental expenses, lost or damaged luggage, legal assistance and more. Discover all the functions of maritime travel insurance.
