Can You Add Cruise Insurance After Booking?

Can You Add Cruise Insurance After Booking? Are you planning a cruise vacation and wondering if you can add insurance after booking? It’s a common question for travelers who want to ensure they have adequate coverage for their trip. Whether you’re a seasoned cruise enthusiast or a first-time cruiser, having the right insurance can provide peace of mind and protect you from unexpected events.

In this post, we’ll share the benefits of adding cruise insurance after booking and provide you with important information to help you make an informed decision. So, if you’re wondering whether it’s possible to add insurance to your cruise after you’ve already booked, keep reading to find out more.

Can You Add Cruise Insurance After Booking?

The good news is that many cruise lines offer insurance options that can be added after the initial reservation, allowing you to customize your coverage based on your needs. Here are the details to help you make an informed decision.

1. Time Limitations

While adding cruise insurance after booking is typically possible, it’s important to be aware of any time limitations imposed by the cruise line or insurance provider. Some cruise lines may require you to add insurance within a certain timeframe after booking, while others may allow you to add it up until the final payment date. 

2. Availability and Options

Fortunately, cruise insurance is widely available and there are various options to choose from. Most cruise lines offer their own insurance plans, which you can add to your booking either online or by contacting their customer service. These plans typically provide coverage for trip cancellation, trip interruption, medical expenses, and lost baggage, among other benefits.

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3. Cost and Coverage

The cost of cruise insurance will vary depending on a number of factors, such as the length of your cruise, the value of your trip, and your age. Generally, the cost is calculated as a percentage of the total trip cost. It’s important to carefully review the coverage details to ensure it meets your specific needs. Some key coverage areas to consider include:

  • Trip cancellation and interruption: Coverage for cancelling or cutting short your trip due to unforeseen circumstances.
  • Medical expenses: Coverage for medical emergencies or illness that may occur during your cruise.
  • Lost baggage: Reimbursement for personal items if your luggage is lost, stolen, or damaged during your trip.
  • Emergency evacuation: Coverage for emergency medical transportation or evacuation from the cruise ship to a medical facility.

How to Add Cruise Insurance After Booking?

Whether you can add cruise insurance after booking depends on several factors, including the cruise line, your booking status, and the type of insurance you want. Here’s a general guide:

1. Check with your cruise line:

  • Most cruise lines allow you to add insurance up to the final payment date. Some may even offer a grace period after that, but it’s best to check their specific policy.
  • You can usually add insurance through their website, by calling their customer service line, or visiting a travel agent.

2. Consider third-party insurance:

  • If you miss the cruise line’s deadline or they don’t offer the coverage you need, you can purchase travel insurance from a third-party provider.
  • Be aware that pre-existing medical conditions may be excluded from coverage if you purchase insurance after booking.
  • Read the policy carefully to understand what is and is not covered before you buy.
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3. Types of cruise insurance:

  • Trip cancellation insurance: Reimburses you for your non-refundable cruise expenses if you have to cancel for a covered reason.
  • Trip interruption insurance: Reimburses you for unused portions of your trip if you have to cut it short for a covered reason.
  • Medical insurance: Covers medical expenses incurred during your cruise.
  • Baggage insurance: Covers lost, damaged, or stolen luggage and belongings.


Adding cruise insurance after booking is often possible and can provide valuable coverage and peace of mind for travelers. Key considerations include time limitations imposed by the cruise line or insurance provider, the availability of insurance options, and the specific coverage and costs involved. While many cruise lines offer their own insurance plans, travelers can also explore third-party options if needed. It’s essential to carefully review the coverage details and consider factors such as trip cancellation, medical expenses, lost baggage, and emergency evacuation. Additionally, travelers should be aware that travel insurance costs may increase closer to the departure date, and certain destinations like the Caribbean may incur higher premiums due to increased risks and healthcare costs. Lastly, understanding what travel insurance does not cover, such as negligence under the influence of alcohol or drugs, is crucial for making informed decisions about coverage. Overall, adding cruise insurance after booking is a prudent step to safeguard against unexpected events and ensure a smooth and enjoyable travel experience.


Frequently Asked Questions

Does travel insurance cost increase closer to departure date?

Yes, travel insurance typically gets more expensive the closer you get to your trip. This is because the likelihood of unexpected events or cancellations increases as your departure date approaches. Insurance companies also factor in the cost of potential medical expenses and other travel-related risks.

Why is Caribbean cruise insurance so expensive?

Caribbean cruise insurance is expensive due to higher risk destinations and long-haul countries. Healthcare in the US, Canada, and the Caribbean is notoriously expensive. The cost of repatriation home from one of these countries is also high, hence the higher premium when traveling to these places.

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What does travel insurance not cover?

Most travel insurance policies won’t pay out if you’re negligent while under the influence of alcohol or drugs or have an accident or property stolen.

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