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Cruise Line Insurance Plan Comparison 

cruise travel insurance
Allianz - cruise travel insurance

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.

That said, we like how we stack up against our friends in the cruise industry. (We think you will, too.)

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 plans features, head to head. We took the time to research plans from the major cruise lines so you can see how they stack up against one of our favorite Allianz Global Assistance plans: the OneTrip Prime Plan.

What should you look for in a cruise insurance plan?

Before comparing cruise insurance plans, let’s identify some of the features you should look for when shopping around:

  • Generous emergency medical and emergency medical transportation benefits. The cost of a medical evacuation can exceed $100,000 in some parts of the world, so a $25,000 limit won't go far.1

  • A broad range of covered reasons for trip cancellation/interruption. If you cancel for a reason that's not covered, cruiselines’ protection plans may give you cruise credits that are worth less than the amount of your trip — or nothing at all.

  • Robust trip delay coverage. If your flight into Miami is delayed and you miss your cruise ship's sailing, it may cost you quite a lot to catch up with the ship at its next port of call.

Supplier default coverage. If your cruise line or tour operator goes out of business, you need to make sure you'll recoup your travel investment.

Cruise Insurance Plan Comparison

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 August 2021. Before purchasing insurance, be sure to check the limits and read your plan documents thoroughly.

Allianz Global Assistance Insurance (OneTrip Prime Plan)1

Carnival Cruise Insurance2

Celebrity Cruise Insurance3

Disney Cruise Insurance4

Princess Cruise Insurance

Standard / Platinum
5

Royal Caribbean Cruise Insurance6

Emergency Medical

Up to $50,000

Up to $10,000

Up to $25,000

Up to $10,000

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

Up to 100% of nonrefundable costs

Up to 100% of nonrefundable costs

Up to 100% of nonrefundable costs

Up to 100% of trip costs ($10,000 limit)

Up to 100% of nonrefundable costs

Up to 100% of nonrefundable costs

Trip Interruption

Up to $150,000

Up to 100% of nonrefundable costs

Up to 150% of nonrefundable costs

Up to 100% of trip costs ($10,000 limit)

Up to 150% of nonrefundable costs

Up to 150% of nonrefundable costs

Trip Delay

Up to $800

Up to $500

Up to $500

Up to $500

$500 pre-cruise/$1,500 post-cruise

Up to $500

Lost Baggage

Up to $1,000

Up to $1,500

Up to $1,500

Up to $3,000

Up to $1,500 / $3,000

Up to $1,500

Delayed Baggage

Up to $300

Up to $500

Up to $500

Up to $500

Up to $500

Up to $500

Pre-Existing Medical Condition Coverage

Available

Limited

Limited

Limited

Not Available

Not Available

Carnival Cruise Insurance

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 — in other words, without a covered event occurring. The downside is that instead of receiving 100% of the cost of your trip back in cash, travelers would receive 75% back in credit toward a future Carnival Cruise.2

Celebrity Cruise Insurance

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-hours assistance, which helps travelers with everything from weather information and lost luggage assistance to emergency legal support.3

Disney Cruise Insurance

Similar to the other cruise travel insurance plans, Disney Cruise Line’s Vacation Protection Plan allows travelers to cancel their trip for any reason 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 Cruise Insurance

Princess Cruises recently refreshed its Vacation Protection program. This includes increased benefits for both Trip Interruption and Emergency Evacuation. Princess also offer 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 percent. Both coverage tiers come with 24/7 Worldwide Travel Assistance Services.5

Royal Caribbean Cruise Insurance

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 a 24/7 access to travel experts who can help keep your trip on track.6

Allianz Global Assistance Travel Insurance

The OneTrip Prime Plan from Allianz Global Assistance is one of our most popular travel insurance plans for cruises. For starters, OneTrip Prime includes a long list of covered reasons for trip cancellation/interruption, giving travelers the confidence that they’re covered for the most common travel mishaps. Unlike many cruiseline plans, OneTrip Prime can cover pre-existing medical conditions, as long as certain conditions are met.

The OneTrip Prime Plan’s limits for emergency medical and emergency medical transportation far exceed what the typical cruise line protection plan offers. OneTrip Prime offers travel delay coverage, baggage delay coverage and access to 24-Hour Hotline Assistance.

Depending on where you live, the OneTrip Prime plan may also include the Epidemic Coverage Endorsement, which adds certain epidemic-related covered reasons for Trip Cancellation/Interruption; Travel Delay; Emergency Medical Care; and Emergency Transportation benefits. For example, you may be reimbursed for prepaid, nonrefundable, unused trip costs if you must cancel your trip because you, a travel companion, or a family member are diagnosed with an epidemic disease such as COVID-19. For more information, look for the Epidemic Coverage Endorsement page within your plan details. (Not available in all jurisdictions. For plans without this endorsement, certain limited-time COVID-19 claim accommodations may be available. Read our  

Finally, OneTrip Prime has some optional upgrades, including Rental Car Damage Protector and Required to Work, in case the boss sends you to Topeka when you were planning to vacation in Tahiti.

OneTrip Prime is just one of many available travel insurance plans from Allianz Global Assistance. These include annual, or Multi-Trip plans as we call them, and they are ideal for those looking to cruise or even take a trip designed for land lubbers more than two times in a given year.

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Sep 11, 2019