Think Cruise Line Insurance Is Enough? Think Again

What is cruise insurance? When you book a cruise trip, your cruise line will often offer you a prepackaged travel insurance plan to go along with it. This can seem like an easy solution to your insurance needs, but be warned: cruise insurance plans are designed to be “one size fits all”—they are not customized to cover your individual needs. In fact, they are typically designed for American travellers as a supplement to their existing insurance and will not properly cover Canadian travellers.

The bottom line? Cruise insurance plans are simply not enough to cover you in the event of a medical emergency on board a ship.

Watch this video to find out why!

Cruise insurance: Quick facts


Why are cruise insurance plans not suitable for Canadians?

  • With American cruise lines, the plans are typically intended for American travellers who already have insurance coverage from elsewhere.
  • These plans have low coverage limits: only $10,000 to $25,000 in medical/hospital benefits.
  • By contrast, medically evacuating a patient from a cruise ship by helicopter can reach as high as $150,000.
  • They only cover evacuation to the nearest health care provider, not a passenger’s home country—meaning passengers could be stranded in a hospital far from home.


Why can’t I rely on the cruise ship’s medical staff if I get sick?

  • Medical facilities on cruise ships are typically modest.
  • Doctors and nurses on cruise ships are usually independent contractors, not employees.
  • Visits to cruise ship infirmaries can be as expensive as seeking treatment on the mainland.


What do I need to look for in my travel insurance plan before I go on a cruise?

  • At least $500,000 in coverage.
  • Benefits that include accidental injury, hospitalization abroad, and medical evacuation at sea.
  • Coverage for trip cancellation and interruption—in case you get sick before leaving or miss the cruise due to bad weather.

Need insurance for your cruise vacation? Ingle can help you find the right plan to suit your needs. Browse our products or contact us today.

Leave A Reply