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Average Cost of Cruise Travel Insurance 2019

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You can pay anywhere from £11 to £150 or more to insure a cruise holiday, depending on factors like your age, destination and the level of cover. To help you understand how much you'll need to pay, we've gathered prices of specialist cruise cover that includes cabin confinement, emergency airlift to hospital, missed port and unused excursions.

Cost of Cruise Travel Insurance for 45 Year Olds

A 45-year-old holidaymaker can buy cruise travel insurance for as little as £11 for a European trip, with prices rising to £55 or more for premium cover (i.e., more than £5,000 of cancellation cover) to protect a cruise in the most expensive areas to visit—the USA, Canada or Caribbean. Budget plans in our study provided around £1,200 of cancellation cover, versus at least £5,000 for premium plans.

Cost of Cruise Cover (for an individual, 45 years old)Cancellation CoverEuropeWorld Ex. US/Canada/Carib.Worldwide
Budget Cover~£1,200£11£18£26
Premium Cover£5,000+£22£44£55
chart showing cost of cruise travel insurance for a 45 year old individual

Those travelling as part of a couple will pay around 2X as much as individual cover, as you'd expect. In some cases, however, two individual policies comes out a few pounds cheaper than a joint policy, so it's always worth checking the price of both before you buy.

Cost of Cruise Cover (for a couple, each 45 years old)Cancellation CoverEuropeWorld Excl. US/Canada/CaribbeanWorldwide
Budget Cover~£1,200£21£36£52
Premium Cover£5,000+£46£88£111
chart showing cost of cruise travel insurance for a 45 year old couple

Cost of Cruise Travel Insurance for 55 Year Olds

A 55 year old heading on a week-long cruise would pay a few quid more for holiday cover than a 45 year old—cheaper, budget options can be found for between £13 and £30 depending on destination. Premium plans with at least £5,000 of cancellation start from £26 for Europe, £50 for cover worldwide excluding USA, Canada and the Caribbean and £67 for cover all over the world.

Cost of Cruise Cover (for an individual, 55 years old)Cancellation CoverEuropeWorld Excl. US/Canada/CaribbeanWorldwide
Budget Cover~1,250£13£23£30
Premium Cover£5,000+£26£50£67
chart showing cost of cruise travel insurance for a 55 year old individual

Couples pay about 2X as much as an individual. If you're very budget conscious check and compare prices of two individual policies vs. a joint policy for a couple, as sometimes the cost of two separate policies comes in cheaper.

Cost of Cruise Cover (for a couple, each 55 years old)Cancellation CoverEuropeWorld Excl. US/Canada/CaribbeanWorldwide
Budget Cover~1,250£26£46£61
Premium Cover£5,000+£53£109£131
chart showing cost of cruise travel insurance for a 55 year old couple

Cost of Cruise Travel Insurance for 65 Year Olds

A 65-year-old, single traveller would pay around £19 for budget cruise cover to Europe. Premium cover (i.e., with at least £5,000 of cancellation protection) costs around 2X as much as budget cover (£1,400 of cancellation cover on average). Those in this age bracket should expect to pay around 40% more than those aged 55, due to higher risk of health emergency claims.

Cost of Cruise Cover (for an individual, 65 years old)Cancellation CoverEuropeWorld Excl. US/Canada/CaribbeanWorldwide
Budget Cover~£1,400£19£32£43
Premium Cover£5,000+£36£66£90
chart showing cost of cruise travel insurance for a 65 year old individual

As usual, couples pay about 2X as much for cruise travel insurance as an individual would pay. In the case of premium policies with worldwide cover excluding the USA, Canada and the Caribbean, buying separate policies for each individual might come out cheaper than buying a joint couples policy—so check prices of both before buying.

Cost of Cruise Cover (for a couple, each 65 years old)Cancellation CoverEuropeWorld Excl. US/Canada/CaribbeanWorldwide
Budget Cover~£1,400£38£64£87
Premium Cover£5,000+£77£132£180
chart showing cost of cruise travel insurance for a 65 year old couple

Cost of Cruise Travel Insurance for 75 Year Olds

By 75 years of age, holidaymakers will need to pay quite a bit more for cruise travel insurance due to the increased risk of emergency health claims. In fact, prices rise 120% to 180% from age 65 to 75, depending on your destination and level of coverage. The cheapest cruise insurance plans for Europe cost around £42 for a week and provide around £1,500 of cancellation cover. Those with pre-existing medical conditions may want to read our article Top Tips for Travel Insurance with Medical Conditions.

Cost of Cruise Cover (for an individual, 75 years old)Cancellation CoverEuropeWorld Excl. US/Canada/CaribbeanWorldwide
Budget Cover~£1,550£42£88£102
Premium Cover£5,000+£93£181£152
chart showing cost of cruise travel insurance for a 75 year old individual

Couples pay about 2X as much as an individual, if not more. As you can see, in many cases you might pay less to insure a couple on a trip by purchasing two separate, individual travel insurance policies. We imagine this is because of the higher risk of cancellation for a couple than an individual—for instance, if one spouse falls ill then a cancellation claim can be triggered for both people on a couple policy, resulting in a higher claim. If you buy individual policies you can typically still claim for cancellation if your spouse falls ill. Check prices of individual and couple policies before you buy.

Cost of Cruise Cover (for a couple, each 75 years old)Cancellation CoverEuropeWorld Excl. US/Canada/CaribbeanWorldwide
Budget Cover~£1,550£84£177£204
Premium Cover£5,000+£194£375£474
chart showing cost of cruise travel insurance for a 75 year old couple

The price you pay for cruise travel insurance will depend on a number of factors, primarily your age, the destinations to which you're travelling, the level of cover and any pre-existing health conditions. Generally speaking, the cost of travel insurance for Europe is generally the cheapest and cover to visit the USA, Canada and the Caribbean is the most expensive. The cost of travel insurance for pre-existing medical conditions will vary depending on your individual medical history.

Methodology

In order to calculate the average cost of travel insurance for a cruise ship holiday, we gathered quotes from our trusted parter Compare Cover for a one-week-long cruise holiday across different age groups and destinations, for both single travellers and couples. To find the expected cost for cheap, budget plans we averaged the ten cheapest quotes available. To find out what you'd need to pay for premium cover, we averaged the ten cheapest quotes of plans offering at least £5,000 of cancellation cover.

Note: all policies included in this study include:

  • Cabin confinement
  • Emergency airlift to hospital
  • Missed port
  • Unused excursions

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Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.