June 1, 2020
Due to travel restrictions, plans are only available with travel dates on or after
Due to travel restrictions, plans are only available with effective start dates on or after
;
Ukraine; Belarus; Moldova, Republic of; (North) Korea, Democratic People's Rep; Russian Federation
Jamaica
Israel; Jamaica; Republic of Ireland; Northern Ireland;
When it comes to providing cruise insurance, Allianz Global Assistance is not the only boat in the harbor.
Many cruise lines also offer travel insurance plans, and most travelers have an opinion about which they like best.
But opinions are like lifejackets during a cruise ship muster drill—everyone has one. So, let’s stick to the facts by comparing cruise insurance plan features, head to head. We researched plans from the major cruise lines so you can see how they stack up against one of our favorite Allianz Travel Insurance plans: OneTrip Prime.
It’s absolutely essential to buy travel insurance for a cruise. The nature of cruising means that small travel mishaps, such as a missed flight or lost bag, can rapidly become big problems. Medical emergencies may require an expensive evacuation from the ship to the nearest hospital. And if you have to cancel your trip last minute, you probably won't get any money back.
Some key benefits to look for in a cruise insurance plan include:
Sailing soon? Don’t wait to buy insurance! Get a quote for travel insurance for your next cruise.
Now, let's compare some popular insurance plans for cruises. (While most cruise protection plans are a combination of insurance and waiver programs, for consistency we'll use the term "cruise insurance” to refer to these plans.) All information is current as of early 2023. Before purchasing insurance, be sure to check the limits and read your plan documents thoroughly.
| Allianz Global Assistance Insurance (OneTrip Prime Plan) | Carnival Cruise Insurance2 | Celebrity Cruise Insurance3 | Disney Cruise Insurance4 | Princess Cruise Insurance Standard / Platinum | Royal Caribbean Cruise Insurance6 | |
| Emergency Medical | Up to $50,000 | Up to $10,000 | Up to $25,000 | Up to $20,000 | Up to $10,000 / $20,000 | Up to $25,000 |
| Emergency Medical Transportation | Up to $500,000 | Up to $30,000 | Up to $50,000 | Up to $30,000 | Up to $50,000 / $75,000 | Up to $50,000 |
| Trip Cancellation (for a covered reason) | Up to $100,000 | Up to 100% of nonrefundable costs | Up to 100% of nonrefundable costs | Up to 100% of trip costs ($20,000 limit) | Up to 100% of nonrefundable costs | Up to 100% of nonrefundable costs |
| Trip Interruption (for a covered reason) | Up to $150,000 | Up to 100% of nonrefundable costs | Up to 150% of nonrefundable costs | Up to 100% of trip costs ($20,000 limit) | Up to 150% of nonrefundable costs | Up to 150% of nonrefundable costs |
| Trip Delay | Up to $800. Can opt for payment of $100 per person, per day, without receipts | Up to $500 | Up to $2,000 | Up to $500 | Up to $500 pre-cruise/$1,500 post-cruise | Up to $2,000 per person |
| Change fee | Up to $250 | Not available | Not available | Not available | Not available | Not available |
| Lost/damaged baggage | Up to $1,000 | Up to $1,500 | Up to $1,500 | Up to $3,000 | Up to $1,500/Up to $3,000 | Up to $1,500 |
| Delayed baggage | Up to $300. Can opt for payment of $100 per person, per day, without receipts | Up to $500 | Up to $500 | Up to $500 | Up to $500 | Up to $500 |
| Assistance | 24-hour assistance and concierge services included | Assistance only | Assistance only | Assistance only | Assistance only | Assistance only |
| Cancel Anytime coverage | Available; reimburses 80% of costs in cash | Included; reimburses 75% of costs in cruise credits | Available; reimburses 90% of costs in cruise credits | Included; reimburses up to 75% of costs in cruise credits | Included; reimburses 75%/100% of costs in cruise credits | Included; reimburses 90% of costs in cruise credits |
| Pre-existing medical condition coverage | Available | Limited | Limited | Limited | Limited | Limited |
Marketed as Carnival Vacation Protection™, this travel insurance plan offers standard benefits as well as 24/7 travel assistance. The plan also includes the ability to cancel a trip for any reason. The downside: Instead of receiving 100% of the cost of your trip back in cash, travelers receive 75% back in credit toward a future Carnival cruise.2
Celebrity’s CruiseCare® cruise insurance plan includes a Cancel For Any Reason Cruise Vacation Enhancement, which provides cruisers with a future cruise credit worth 90% of the value of the cruise they wish to cancel for a non-covered reason. Celebrity’s cruise insurance plan comes with 24-hour assistance, which helps travelers with everything from weather information and lost luggage assistance to emergency legal support.3
Similar to the other cruise travel insurance plans, Disney Cruise Line’s Vacation Protection Plan allows travelers to cancel their trip for a non-covered reason. They’ll then receive 75% of the cancellation fee amount to use toward a voyage over the next year. Disney also offers 24/7 global assistance — a must-have for travelers cruising with small children in tow.4
Princess Cruises’ Vacation Protection program offers two tiers of coverage — Standard and Platinum —with the latter offering higher payout amounts for select benefits. For example, while the Standard “Any Reason” Cancellation Enhancement benefit provides a future cruise credit for 75% of the cancellation fee amount, the Platinum plan increases this benefit to 100%. Both coverage tiers come with 24/7 assistance.5
Royal Caribbean’s Travel Protection also offers the basic package of travel insurance benefits, along with the ability to cancel a cruise for an excluded reason — compensated as a future cruise credit valued as 90 percent of the unused prepaid trip cost. CareFree Travel Assistance™ provides 24/7 access to travel experts who can help keep your trip on track.6
OneTrip Prime, one of our most popular travel insurance plans, shares many of the same benefits as the cruise line protection plans. There are a few key differences, however:
OneTrip Prime is just one of many available travel insurance plans from Allianz Global Assistance. These include annual AllTrips plans, which are ideal for those who plan to travel two or more times in the next 365 days. Find the best plan for your next adventure!
Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.
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