Best Cruise Travel Insurance

What separates the best travel insurance for cruises on this page?

Five plans, quoted on the same sample trip, scored on coverage (35 points), claims and service (25), price (20) and flexibility (20). Faye leads at 8.5 and costs $149. Tin Leg sits at 8.2 for $158. Allianz Travel Insurance is 8 at $172. Travel Guard and Travelex Insurance Services tie at 7.9, at $164 and $139.

The medical limits are where these plans split. Faye carries $250,000 medical and $500,000 evacuation. Tin Leg goes higher on medical at $500,000 primary, which pays before your health plan, but its evacuation limit is half Seven Corners'. Travel Guard's Deluxe plan lifts medical to $100,000 and evacuation to $1 million. Allianz Travel Insurance and Travelex both start at $50,000 medical on their base plans.

Claims handling differs too. Faye pays approved claims to a digital wallet in days. Allianz Travel Insurance's SmartBenefits pays fixed delay claims automatically from flight data. Travelex still runs claims by web form and email.

What should I check before buying cruise travel insurance?

Start with the medical and evacuation numbers, because a ship's infirmary and a foreign hospital are the expensive parts of a cruise claim.

• Medical and evacuation: $50,000 medical is low for international trips — Travelex and Allianz Travel Insurance both say to upgrade. Tin Leg's $500,000 primary medical is the highest here.
• Cancellation flexibility: Tin Leg offers 75% CFAR. Travel Guard's CFAR refunds only 50%. Allianz Travel Insurance has no true cancel-for-any-reason; "Cancel Anytime" is Premier-only.
• Who's covered: Kids 17 and under are free on Allianz Travel Insurance's OneTrip Prime and on Travelex's Travel Select with an insured adult.
• Add-ons: Travel Guard has riders for pets, weddings, adventure sports, rental cars and name-your-family-member. Faye adds CFAR, adventure sports, pet care and rental cars.
• Eligibility and repeat trips: Faye is US residents only. Faye and Tin Leg have no annual plan; Allianz Travel Insurance's AllTrips annual plans start at about $150.

Faye — app-first cruisers

Best for travelers who want to file and track claims in an app and get approved claims paid to a digital wallet in days, with $250,000 medical and $500,000 evacuation behind it.

Tin Leg — high medical limits and CFAR

Best for cruisers who want $500,000 primary medical and a 75% CFAR option, with Squaremouth's Zero Complaint Guarantee mediating any claim dispute.

Allianz Travel Insurance — frequent cruisers

Best for people taking several trips a year: AllTrips annual plans from about $150, automatic delay payments through SmartBenefits, and free cover for kids 17 and under on OneTrip Prime.

Travel Guard — add-on heavy trips

Best for weddings, pets or adventure sports, where the rider list and AIG's assistance network in 200+ countries matter more than the base medical limit.

Travelex Insurance Services — families on a budget

Best for families: kids 17 and under covered at no charge with an insured adult, and the second-lowest quote on our sample trip at $139.

Faye suits cruisers who want app claims and a digital wallet payout, while Tin Leg suits anyone who needs $500,000 primary medical and a 75% CFAR option. Allianz Travel Insurance fits frequent travelers through AllTrips annual plans, and Travel Guard fits trips that need pet, wedding or adventure riders. For families, Travelex Insurance Services covers kids 17 and under at no charge with an insured adult.