2026 Calculator
Cruise Insurance Calculator
Estimate your cruise coverage costs
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does cruise insurance cost in 2026?
Cruise insurance costs 5-8% of your total cruise cost. A $5,000 cruise would cost $250-$400 for comprehensive coverage. World cruises and expedition cruises cost more due to extended duration and remote locations.
Do I need cruise insurance if I have travel insurance?
Standard travel insurance may not cover cruise-specific needs like missed port departures, ship delays, or medical evacuation from sea. Cruise insurance includes coverage for getting you to the next port if you miss the ship.
What does cruise insurance cover?
Cruise insurance covers trip cancellation, medical emergencies at sea, emergency evacuation to shore, missed connections/ports, cruise line bankruptcy, cabin confinement, and itinerary changes. Some policies include cancel-for-any-reason options.