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Cruise Travel Insurance

Add our cruise extension to your medical travel insurance to gain specialist cruise benefits

Medical travel insurance for cruises


OK To Travel policies automatically include cover for cruising. However, if you need additional cruise cover, you'll have to select this option during the online quote journey. The benefits of our cruise cover include cabin confinement, missed port departure, and cruise interruption. This additional cruise cover can only be added to annual multi-trip policies or single trips lasting up to 31 days.


We consider various factors when calculating your insurance premium, such as your travel destination, duration of your trip, and any pre-existing medical conditions to ensure you have the appropriate coverage for you and your holiday. Additionally, our policies include access to a 24-hour medical emergency line, ensuring that assistance is readily available whenever you need it.


Since cruise cover is an extension of our standard policies, you'll enjoy the usual cover limits such as emergency medical expenses, personal property, and missed departure, along with cruise-specific policy benefits like cabin confinement, cruise interruption, unused cruise excursions, and missed port departure.

OK To Travel has four levels of cover which can provide up to* 

£5,000 Cancellation


Cancellation cover up to £5,000 per person to recoup costs of unused travel and accommodation.

£10M Medical Expenses


Cover up to £10,000,000 per person if you require emergency medical treatment or repatriation.

£3,000 Baggage


Cover if your personal possessions are lost, stolen or damaged. 

£1,000 Gadget Cover


Cover against theft, accidental damage, breakdown and accidental loss of your gadgets.

£500 Missed Departure


Cover for travel and accommodation expenses required to reach your booked destination.

£50 Policy Excess


Policy excess as low as £50 with Premier Plus cover.

*Maximum amounts available per person, subject to the applicable policy excess.

Cruise insurance for Europe and worldwide


Having cruise cover that includes your pre-existing medical conditions ensures you'll be covered in case of emergency medical treatment during your holiday. Additionally, if you opt for our Premier, Premier Extra, or Premier Plus cover, you'll also be protected against cancellation if your medical conditions lead to complications before your departure date.


We offer four different insurance packages with varying cover limits, allowing you to select the most suitable one for your travel plans and pay only for the cover you truly need. Premier, Premier Extra, and Premier Plus all provide cancellation cover in case of unforeseen changes to your health before travel, and emergency medical expenses are covered up to £10 million on all OK To Travel policies. For further details, please refer to our benefits page.


If you require cancellation cover exceeding £5,000 per person, please contact the customer service team to explore alternative policies. It's advisable to secure your travel insurance once you've booked your cruise as the cancellation benefit of our Premier, Premier Extra, and Premier Plus cover becomes effective from the moment you purchase insurance, thus protecting your investment sooner. However, if you're booking a last-minute holiday or a quick break and haven't yet left the UK, our online quote and buy facility is ideal for obtaining last-minute cover. If you're purchasing single trip travel insurance close to your departure date and feel that cancellation cover is unnecessary, our 'Standard' cover option, which excludes cancellation coverage, may suit your needs and reduce your premium.

Why are we the right choice?

All medical conditions considered


We'll endeavour to find you cover for any medical condition.

No age limits


Single Trip and Annual Multi-Trip cover for all ages.

Award-winning customer service


Our UK-based contact centre has won the Feefo Platinum Trusted Service Award.

Cruise travel insurance frequently asked questions

What cover is included in the cruise extension?

By adding the cruise extension to your policy, you'll gain cruise specific cover benefits in addition to our usual insurance packages. These benefits include but are not limited to cabin confinement, missed port departure and unused cruise excursion cover. Please see our policy wording for details of cover limits.

What is your maximum trip duration for cruises?
Do you cover cancellation above £5,000?