msc cruise insurance policy

Mon-Sun 9:00 am - 6:00 pm EST

travel insurance

Cruise Confidently with TuGo® Travel Insurance Canadian-owned and operated for nearly 60 years, TuGo specializes in products & services that support travellers’ health, wellness and safety across Canada and around the globe.

To ensure maximum peace of mind, it is highly recommended for all guests to have in place a travel and medical insurance policy that specifically covers them for risks such as cancellation, interruption, repatriation expenses, medical assistance and related expenses, as well as hospitalization . Should you need travel and medical insurance cover, our travel insurance partner may be able to help you. You can see the policy benefits available here to see if they are of interest and benefit for you. This should be in place to cover you from the confirmation of your booking until the end of the cruise or your cruise and flight package. Not having a travel and medical insurance in place you might be exposed to additional costs that could not be covered by the Cruise Company.

The product we recommend is the ALL INCLUSIVE HOLIDAY PACKAGE. To better understand the coverage and rates offered by Tugo, please click  here . Coverage does not apply to residents of Saskatchewan and Manitoba. Due to provincial law residents of  Quebec should click   here  for coverage and rates.

Of course, you can even contact your own insurance provider or your professional travel agent, who are licensed in selling travel insurance and they will be happy to guide you through the process of purchasing the correct coverage.

Thank you for visiting MSC Cruises

Your browser may be out of date or not compatible with our new site and may not be secure.

For a better experience and to continue your booking with MSC, please update your browser by downloading the latest version below.

Thank you for visiting our site and we look forward to seeing you on board soon!

MSC Cruises

• +1 (866) 622-3344

• Cruise Booking
• Cruise Lines
• MSC Cruises

MSC Cruise Policies

• Destinations
• Departure Ports
• MSC Cruise Deals
• MSC Cruise Booking

MSC Cruises maintains comprehensive booking terms and conditions. These MSC cruise policies cover aspects like booking procedures, deposits, and cancellation policies, varying based on the type and duration of the cruise. Additionally, MSC emphasizes health and safety measures, highly recommending full vaccination for an enhanced onboard experience. Specific cancellation policies apply to pre-purchased services and excursions. The company prioritizes guest well-being, providing medical services and ensuring accessibility for passengers with disabilities. Travelers should review MSC Cruises' policies before booking to ensure a smooth and informed cruise experience.

MSC Cruise Cancellation Policy

Msc cruise food policy, msc cruise alcohol policy, msc cruise covid-19 policy, msc cruise pregnancy policy, msc cruise smoking policy, msc cruise gratuity & tipping policy, msc cruise passenger age policy, msc cruise luggage policy, msc cruise insurance policy.

• FAQs on MSC Cruise Policy

MSC Cruises maintains a detailed cancellation policy, subject to specific terms and conditions outlined on their official website. In the event of passenger cancellation, the notice must be provided within specified time frames before departure, varying based on cruise duration. Cancellations after the stipulated period are subject to 100% cancellation charges. Additionally, MSC Cruise's refund policy emphasizes that cruise contracts are non-transferable, and no refunds are permitted for terminations after embarkation or while the cruise is in progress. It's crucial for passengers to carefully review the MSC cruise cancellation policy to understand refund eligibility and applicable charges. The cancellation policy covers various aspects, including shore excursions and balance payment deadlines. Travelers are advised to refer to MSC Cruises' official terms and conditions for precise details on their cancellation policy to ensure a comprehensive understanding before booking.

MSC Cruises provides its passengers with a diverse and enriching culinary experience. The cruise line offers a variety of dining options, including specialty restaurants, buffets, and bars. The MSC Cruise food policy generally encourages passengers to enjoy the onboard dining facilities, where professional chefs prepare a range of international and local cuisines. However, in the interest of health and safety, bringing outside food or beverages, including partially eaten or home-cooked items, is typically not allowed on board. Passengers are encouraged to explore the diverse dining options provided by MSC Cruises to savor the culinary delights offered during their cruise.

MSC Cruises maintains a comprehensive alcohol policy to ensure passengers' safe and enjoyable onboard experience. The cruise line permits guests to bring limited wine or champagne on embarkation day, subject to a corkage fee if consumed in public areas. The consumption of personal alcoholic beverages within staterooms is generally allowed. However, specific restrictions and guidelines may vary, emphasizing responsible consumption.

MSC Cruises offers a well-stocked selection of premium wines, beers, and spirits available at various onboard bars and restaurants. The cruise line encourages adherence to its responsible drinking policy to maintain a secure and pleasant environment for all guests. MSC's liquor policy may involve age verification to ensure legal drinking age regulations compliance.

Passengers should familiarize themselves with MSC Cruises' alcohol policy before embarkation to understand the guidelines and restrictions associated with bringing and consuming alcoholic beverages on board.

MSC Cruises prioritizes passenger well-being through a robust health and safety policy, adapting to evolving global circumstances. The company implements stringent COVID-19 measures, including a comprehensive testing policy. Guests are encouraged to stay informed about MSC's specific COVID-19 guidelines, ensuring a safe and enjoyable cruise experience.

For COVID-19 testing, MSC has a structured policy, and travelers should know the testing requirements before embarkation. The cruise line is also committed to regularly updating health and safety protocols to maintain transparency.

Travelers planning to embark on MSC Cruises should thoroughly review the company's health and safety information to comply with the latest guidelines, ensuring a seamless and secure cruise adventure.

MSC Cruises maintains a pregnancy policy for the safety and well-being of passengers. The company does not accept bookings or carry passengers who will be 24 weeks pregnant or more by the end of the cruise. This MSC pregnancy policy aligns with safety considerations, and MSC Cruises reserves the right to request a medical certificate confirming the passenger's fitness to travel if there are uncertainties related to the pregnancy. Travelers planning to cruise with MSC should carefully review the specific pregnancy guidelines outlined in the company's terms and conditions to ensure a smooth and secure travel experience.

MSC Cruises maintains a comprehensive smoking policy to ensure a comfortable and safe environment for all passengers. Smoking is generally prohibited in staterooms and on balconies. Designated smoking areas are clearly marked on the ship, including specified areas on open decks and designated smoking lounges.

Passengers must adhere to the designated smoking zones and refrain from smoking in non-designated areas. Violations of the smoking policy may result in penalties or other appropriate actions.

MSC Cruises has a transparent and comprehensive gratuity policy to enhance the cruise experience for both guests and crew members. The cruise line adopts a service charge system to cover gratuities for onboard staff, ensuring quality service.

Key Points:

1. Automatic Service Charge:

• MSC Cruises includes a daily service charge per person, automatically added to your onboard account.
• This charge contributes to the overall gratuities for the dining and stateroom staff.

2. Transparency and Consistency:

• The service charge ensures consistency and fairness in distributing gratuities among all eligible crew members.
• The transparent approach allows passengers to budget for gratuities in advance.

3. Adjustment Options:

• While the daily service charge is automatically applied, MSC Cruises provides flexibility.
• Guests can adjust the service charge at their discretion by contacting guest services during the cruise.

4. Group Travel:

• For guests traveling as part of a group, MSC Cruises may apply different gratuity policies. It's advisable to check specific group conditions.

5. Exceptional Service Recognition:

• Guests can provide additional gratuities for exceptional service directly to the crew members.
• This allows passengers to recognize outstanding efforts by specific staff members.
• Understanding and adhering to MSC Cruises' gratuity policy ensures a fair and equitable distribution of service charges among the dedicated onboard team, contributing to a positive cruise experience.

MSC Cruises welcomes families aboard its ships, including infants. The infant policy ensures a safe and enjoyable experience for parents and their little ones.

Infants Eligibility:

• Age Limit: Infants as young as six months old are generally eligible for most MSC Cruises, allowing families with young children to enjoy the cruise experience.
• Cruises with Specific Age Requirements: Some itineraries may have specific age restrictions or recommendations, so checking the age policy for the particular cruise you plan to embark on is essential.

Services and Amenities:

• Baby Care Facilities: MSC Cruises provides baby care facilities equipped with changing tables and other amenities to cater to the needs of parents and infants.
• Babysitting Services: Depending on the ship and itinerary, MSC Cruises offers babysitting services, allowing parents some free time while ensuring their infants are well cared for.

Important Considerations:

• Documentation: Ensure you have all the travel documentation for your infant, including passports and any required visas.
• Health and Safety: MSC Cruises prioritizes the health and safety of all passengers, including infants. Familiarize yourself with the cruise line's health and safety protocols for infants.
• Activities and Entertainment: While some activities and entertainment are suitable for infants, others may have age or height restrictions. Check the cruise program for family-friendly options.

MSC Cruises provides a comprehensive luggage policy to ensure a smooth and enjoyable cruise experience for passengers. Key details include:

1. Checked Baggage:

• Guests are allowed to bring a reasonable amount of baggage for their cruise.
• Checked baggage should be securely packed and labeled with the traveler's name, ship name, and stateroom number.
• Baggage is collected at the port and delivered directly to the stateroom.

2. Carry-On Baggage:

• Passengers are permitted to bring a carry-on bag containing essential items.
• Important documents, medications, valuables, and any items needed before stateroom access should be packed in the carry-on.

3. Size and Weight Limits:

• Checked baggage should adhere to specific size and weight limits to facilitate smooth handling.
• MSC Cruises may restrict oversized or excessive baggage.

4. Fragile or Valuable Items:

• Guests are advised to carry valuable items, travel documents, and medications in their carry-on baggage for security.

5. Prohibited Items:

• Certain items, such as dangerous goods or illegal substances, are prohibited and should not be included in luggage.

6. Luggage Collection:

• Baggage is collected at the port during embarkation and delivered to staterooms.
• Passengers should be familiar with the scheduled luggage delivery times.

For optimal peace of mind, we strongly advise all passengers to acquire comprehensive travel and medical insurance. This MSC travel insurance policy should safeguard against potential risks such as trip cancellation, interruptions, repatriation costs, medical assistance, related expenses, and hospitalization. The absence of appropriate travel and medical insurance may leave you vulnerable to unforeseen expenses not covered by the Cruise Company. To gather further details of MSC Cruise Insurance & Travel policy, kindly reach out to your travel agent at cruisebooking.com Your safety and well-being are our top priorities, and having the right insurance ensures a worry-free and enjoyable cruise experience.

FAQS FOR MSC Cruise Policy

1. Can I change the dates of my MSC Cruise reservation? 

2. Are there any restrictions on the number of date changes allowed?

3. What is the MSC cruise drone policy?

4. What is the MSC Cruise excursion cancellation policy?

5. What happens if my MSC Cruise is affected by a hurricane?

6. Can I bring my vape on board an MSC Cruise?

7. What are the COVID testing requirements for MSC Mediterranean cruises?

8. Can I bring bottled water on board an MSC Cruise?

9. How many suitcases can I take on an MSC cruise?

Cruise Inquiry

Our cruise experts will help you to plan your perfect cruise vacation!

* I consent to receive communications by email or phone. I understand I may opt out at any time using the unsubscribe link provided in all communications. Please proceed to the Privacy Policy page or read our Terms & Conditions to understand how your data might be used.

We use cookies to give you the best online experience. By continuing to browse the site you are agreeing to our use of cookies. Privacy Policies

Mon - Fri 9 - 19 | Sat 9 - 18 | Sun 10 - 16

Travel Insurance

Thank you for visiting msc cruises.

Your browser may be out of date or not compatible with our new site and may not be secure.

For a better experience and to continue your booking with MSC, please update your browser by downloading the latest version below.

Thank you for visiting our site and we look forward to seeing you on board soon!

MSC Cruises

Quick Quote

• Airline Travel Insurance Review
• Country Travel Health Insurance
• Country Traveler Information
• Cruise Company Insurance Review
• Insurance Carrier Review
• Travel Company Insurance Review
• City Guides

MSC Cruises Travel Insurance – 2024 Review

Msc cruises travel insurance – review.

• Strong Insurance Partner
• Solid list of covered cancellations
• Weak Medical Insurance
• Weak Medical Evacuation
• Only one Cancel For Work Reason

Sharing is caring!

Msc cruises travel insurance – overview.

MSC Cruises is a first-class cruise line with an Italian flair. They have a strong presence in the Mediterranean cruise market and growing in South America, Asia and the Caribbean. In addition, they are building a second Miami port terminal and private Bahamian island resort.

Cruise travelers can find the MSC Trip insurance rate when booking on MSC’s website.

Generali US Branch underwrites the MSC Cruises Travel Insurance, which is a reliable insurance provider. They are an “A” rated (Excellent) insurer by AM Best, an independent organization that rates insurance companies based on their financial strength.

In this review, we examine the benefits in MSC Cruises Travel Insurance, the cost of the plan, and the overall coverage. Finally, we compare MSC Cruises Travel Insurance with other travel insurance plans possessing better coverage and lower prices available through  Cruise Insurance 101 .

Our MSC Cruise – 7- Night Mediterranean Cruise

For our review our sample couple, both aged 60, selected a 7-day Mediterranean cruise from 10/30/2022 – 11/6/2022 on MSC Seaview in a balcony cabin for $2,494.70.

There are several upsells available as you proceed through the checkout process that can add to the total cost:

We selected the Free Balcony Upgrade for $448 per person for a total of $896.

Next, you have a choice of 3 packages with dining options as well as discounts for other available packages:

We chose the Bella which comes with the chosen stateroom, so no additional charges were incurred.

Finally, there are several experience packages you can add such as massages:

Our final total after going through all the upsells offered came to $2,494.70. If we want to add insurance to our cruise, we can add it prior to checkout for $320. This insurance provides $25,000 of medical coverage per person and $50,000 of medical evacuation coverage per person.

We’ve opted to exclude the insurance and see if we can find better coverage elsewhere.

Going to the checkout page, MSC has several payment options available including paying just for the deposit at that time or even paying the full amount monthly through Uplift. For the purposes of our review, we’ll be looking at the total amount of $2,494.70.

MSC Cruises Cancellation Policy

If you opt out of MSC’s travel insurance policy, the cruise line charges cancellation penalties as follows:

Note: MSC Cruises has a different cancellation charge chart for World Cruises which we do not cover in this review.

Comparison Quotes

Let’s compare the MSC Cruises Travel Insurance with travel insurance policies available at Cruise Insurance 101 . When traveling outside the United States, we recommend a minimum coverage of $100,000 in Medical Insurance, $250,000 in Medical Evacuation, and a Pre-existing Medical Condition Waiver . We used these criteria to choose the selected quotes.

Using the $2,494.70 trip cost for our cruise, the least expensive option from Cruise Insurance 101 that contained the minimum recommendations was the AIG Travel Guard Plus .  This plan provides $100k Medical Insurance, $1 million of Emergency Evacuation coverage, and a Pre-Existing Condition Waiver as long as the policy is purchased within 21 days of the initial trip payment or deposit date. Total cost for both travelers is $161.52.

While MSC Cruises Travel Insurance does NOT offer a Cancel For Any Reason (CFAR) option, we can find these policies in our quote from Cruise Insurance 101 . The least expensive CFAR policy is the Travel Insured Worldwide Trip Protector (CFAR 75%). This plan provides $100,000 of medical coverage, $1 million of medical evacuation coverage and a Pre-Existing Condition Waiver as long as the policy is purchased within 21 days of the initial trip payment or deposit date. The plan also provides a 100% refund if you must cancel for a work-related reason and a 75% refund if you cancel for any reason not listed in the policy. Total cost for both travelers is $288.00.

Next, we broke down the benefits of each policy in a side-by-side comparison:

Cost Comparison

Overall, the MSC Cruises Travel Insurance plan has very minimal coverage. Their plan only provides $25,000 of medical coverage and $50,000 of medical evacuation coverage, which is much lower than our recommended minimum when traveling overseas. The policy does provide a waiver to cover Pre-existing Medical Conditions if the policy is purchased within 24 hours of the final trip payment which is a much longer time period than most plans provide. However, there is no option available to cancel for any reason.

By shopping for cruise insurance through Cruise Insurance 101 , our two travelers can save anywhere from $32 - $158.48 which can be applied to airfare, additional tours, or shopping.

In the following sections, we discuss know what to look for when shopping for travel insurance for your MSC cruise.

Trip Cancellation

When a traveler purchases MSC Cruises Travel Insurance, they are subject to the 20 covered  trip cancellation  reasons listed in the policy. Here are a few:

• The sickness, injury or death of you, your family member, your traveling companion or your service animal
• Common carrier delays and/or cancellations resulting from adverse weather, mechanical breakdown of the aircraft, ship, boat or motor coach that you were scheduled to travel on, or organized labor strikes that affect public transportation
• Being directly involved in a documented traffic accident while en route to departure on your trip
• A documented theft of your passports or visas;
• Being required to serve on a jury, or required by a court order to appear as a witness in a legal action
• Your home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster

Interestingly, this is the first cruise insurance we’ve seen that includes service animals as a reason for cancellation.

Trip Interruption

A  trip interruption  occurs when your trip is delayed past your scheduled departure date or if you are unable to continue the trip due to one of the unforeseeable covered events listed.

Some of the most common reasons for a trip interruption are:

• The unforeseen illness or injury to a traveler, traveling companion or family member
• The death of the traveler, traveling companion or family member
• Natural disaster rendering the travelers home uninhabitable

MSC Cruises Travel Insurance covers trip interruption and refunds unused, non-refundable prepaid land or water arrangements.

In addition, the MSC Cruises Trip Insurance policy will offer some reimbursement of expenses to catch up to a missed tour or cruise or cost to return home early. Either way, the MSC Cruises Travel Insurance only pays a maximum of 100% of the trip cost. Both the AIG Travel Guard Plus and the Worldwide Trip Protector (CFAR 75%) will pay up to 150% of the trip cost.

Cancel For Any Reason

Cancel For Any Reason  cruise insurance provides the highest level of flexibility and reimbursement if you must cancel your trip for any reason not covered by the policy.

MSC Cruises Travel Insurance does not offer a “Cancel For Any Reason” benefit. If you need to cancel for a reason that is either not on the covered cancellation, or happens to be on the exclusions list, a partial or no refund will be issued depending on the date of cancellation.

Alternatively, travel insurance policies like Travel Insured Worldwide Trip Protector with Cancel For Any Reason included pay a 75% cash refund of all prepaid, non-refundable trip costs including arrangements made outside of MSC Cruises. This could include flights, hotels, rental cars, excursions and transfers.

Cancel For Any Reason policies have several stipulations:

• Purchase the policy within 10 - 21 days (depending on policy), of your initial payment or deposit date and
• Insure 100% of the prepaid trip costs subject to cancellation penalties or restrictions. For additional prepaid non-refundable payments made after the purchase of the policy, insure within 10-21 days (depending on policy), of each subsequent payment added to your trip, and
• Cancel your trip 2 days or more before your scheduled departure date.

Cancel For Work Reasons

MSC Cruises Travel Insurance offers a  cancel for work reason  benefit in the form of involuntary termination:

Your involuntary termination of employment or layoff (or the involuntary termination or layoff of your parent or guardian if you are a minor traveling alone), after continuous employment with the same employer for 1 year or more, provided the termination or layoff occurs 14 days or more after your coverage has taken effect.

This benefit is not available to temporary employees, independent contractors, or self-employed persons.

This condition is listed under the “Covered Cancellation” reasons in the policy. However, if your employer granted time off, then rescinded its offer and required you to work or transferred you over 100 miles from home, the MSC Cruises Travel Insurance would not permit these reasons as a covered cancellation. However, many policies including the AIG Travel Guard Plus and the Travel Insured Worldwide Trip Protector (CFAR 75%) offered by Cruise Insurance 101 do. They provide a 100% refund for these Cancel For Work Reasons.

Emergency Medical Insurance

One of the most important factors in selecting trip insurance is having adequate Medical Insurance  when you travel. Anything can happen, including accidental injuries or sudden illness.

If you have a medical emergency when traveling and don’t have proper medical insurance coverage while overseas, you could find yourself with huge, unexpected hospital bills. Many Americans mistakenly believe countries with universal health care will treat them for free. Unfortunately, this is not the case.

Instead, Americans receive treatment at private hospitals, not public, and must pay like anyone else. Admission for inpatient care can cost $3,000-$4,000 per day, plus the cost of treatment, x-rays, surgeries, and specialists.

A common misconception is that Medicare will pay for hospitalization overseas. Unfortunately, they won’t. Medicare does not pay providers outside the US. Some Medicare supplements do cover overseas, but have lifetime limits or reduced benefits, and pay for emergencies only. They can still require you to pay 20% of the costs. As a result, you could go on vacation and end up with medical bills in the thousands.

Cruise Insurance 101   urges overseas travelers to take travel medical insurance of at least $100,000 per person . In a medical emergency, $100,000 provides ample health care and helps protect your retirement savings from unexpected financial burdens.

MSC Cruises Travel Insurance provides a $25,000 benefit for Medical Insurance, which is only a quarter of our recommended amount of coverage. AIG Travel Guard Plus and the Travel Insured Worldwide Trip Protector (CFAR 75%) both include $100,000 per person of Medical Insurance, so you can receive proper treatment without ending up in debt.

Pre-existing Medical Conditions

Many travel insurance policies, particularly those sold by cruise lines, exclude pre-existing medical conditions from a covered cancellation. If you cancel due to a medical condition that’s considered  pre-existing , the trip insurance will not refund any of the trip cost.

According to the MSC Cruises Travel Insurance policy:

A pre-existing medical condition means a Sickness or Injury during the 60-day period immediately prior to your effective date for which you or your Traveling Companion:

• received, or received a recommendation for, a diagnostic test, examination, or medical treatment; or
• had a change in or received a new prescription for medication.

Older, stable conditions are covered.

We are happy to see a cruise line travel insurance offer a  Waiver of Pre-existing Conditions . However, MSC Cruises Trip Insurance requires 3 conditions met to cover a pre-existing condition:

• coverage is purchased prior to or within 24 hours of your final Trip Payment; and
• you are medically able to travel at the time the coverage is purchased; and
• you insure 100% of your prepaid Trip costs booked through the supplier from MSC Cruises that are subject to cancellation penalties or restrictions.

This is another point in favor of MSC’s insurance. Cruise insurance policies rarely offer this Medical Waiver. Both the AIG Travel Guard Plus and the Travel Insured Worldwide Trip Protector (CFAR 75%) provide coverage for pre-existing medical conditions provided the policy is purchased within 21 days of the initial trip payment or deposit. Cruise Insurance 101 advocates travelers include a Medical Waiver for added protection while traveling, particularly for seniors.

Emergency Medical Evacuation

Medical Insurance isn’t the only potentially expensive part of a trip.  Emergency Medical Evacuation  transports you from the place of injury or illness to the closest hospital. Once you’re stable enough for transport, Medical Evacuation brings you home via commercial flight or, if necessary, private medical jet.

Medical flights can cost up to $25,000 per hour and regular health insurance does not cover it. In addition, the US State Department does not offer any medical treatment or evacuation assistance for US citizens. Cruise Insurance 101 advises travelers to get at least $250,000 Medical Evacuation, $500,000 for Asia or Africa or beyond,  to assure there’s enough coverage to get them back home from almost anywhere if they experience a serious medical event.

MSC Cruises Travel Insurance includes Medical Evacuation up to $50,000 per person, which is much lower than our recommended $250,000. Both the AIG Travel Guard Plus and the Travel Insured Worldwide Trip Protector (CFAR 75%) provide $1,000,000 per person for Medical Evacuation, so you can feel secure knowing you have adequate coverage to transport you back home if needed.

Price and Value

MSC Cruises Travel Insurance carries minimal coverage and is more expensive than other available options. The medical insurance coverage is only $25,000, and only $50,000 for medical evacuation, which may not be adequate for a serious illness or injury. There is no Cancel For Any Reason option and Cancel For Work Reason is limited to a layoff only. While not as expensive as other cruise insurance we’ve seen, overall, the MSC Cruises Travel Insurance offers limited value for the price.

In contrast, by comparison shopping, we found the AIG Travel Guard Plus policy comes in at $161.52 ($158.48 LESS than MSC!) It includes superior medical and evacuation benefits, 100% refund for trip costs for covered cancellation, 150% refund for covered trip interruption, and a 100% refund for a robust list of cancellation reasons.

While the MSC Cruises Travel Insurance doesn’t have a Cancel For Any Reason option, by shopping at Cruise Insurance 101 we found the Travel Insured Worldwide Trip Protector (CFAR 75%) for $288.00 ($32 LESS than MSC!) It includes $100,000 medical insurance and $1,000,000 medical evacuation. Plus, it includes a Cancel For Any Reason provision that refunds 75% of trip costs back in cash. It has superior coverage over MSC’s policy for a lower cost.

MSC Cruises Travel Insurance provides travelers with a minimal insurance policy that could leave travelers unpleasantly surprised during an emergency. Medical coverage and medical evacuation limits are low, and there are only one reason available for Cancel For Work. Though they have a strong partner in Generali, the insurance itself is rather weak. Overall, we rate it a 7 out of 10.

Travelers planning a MSC cruise will find the best value for their money and peace of mind when they shop for travel insurance at Cruise Insurance 101 Travel Insurance Marketplace. There, you can review dozens of options and select the best policy to fit your needs.

To help you find the best policy, Cruise Insurance 101 recommends having at least $100,000 in travel medical coverage and $250,000 emergency medical evacuation when traveling outside the US. And, if you purchase the policy within the 14-21 days of initial trip payment, please consider a travel insurance policy with the pre-existing condition waiver included to ensure the most coverage for your money.

If you are planning an MSC cruise in 2022, be sure to pack insurance before you travel. You never know when you may need it.

Have questions? Chat with us online, send us an email at  [email protected]  or alternatively call us at +1(786) 751-2984. We would love to hear from you.

Safe Travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

Mike Carroll

Sylvia was excellent

Sylvia was excellent. Very helpful and patient. She answered all of my questions.

Peter was very helpful and answered all…

Peter was very helpful and answered all our questions.

Choosing a plan was quick and easy

Choosing a plan was quick and easy. The questions did not take long at all to answer and a plan was recommended in a short period of time.

Mon, Tue, Wed & Fri 08:00 - 17:00, Thu 09:30 - 17:00, Sat 09:00 - 12:00, Sun & Public Holidays Closed

Mandatory Travel Insurance

Mandatory travel insurance is required that specifically covers against COVID-19 related risks, such as cancellation, interruption, repatriation expenses, quarantine, medical assistance and related expenses, as well as hospitalization. This insurance should be in place to cover you from the confirmation of your booking until the end of the cruise or your cruise and flight or your Stay & Cruise package.

The Hollard Insurance policy covers the above risks and is available to guests at the time of booking. If you have your own travel insurance it is required that the policy specifically covers these same risks.

Should you need COVID-19 insurance cover, our travel insurance partner may be able to help you. You can see the policy benefits available here  to see if they are of interest and benefit for you.

Not having travel insurance in place might expose you to additional costs that could not be covered by the Cruise Company.

Please note that travel insurance is included in the cruise package for local South African departures.

Thank you for visiting MSC Cruises

Your browser may be out of date or not compatible with our new site and may not be secure.

For a better experience and to continue your booking with MSC, please update your browser by downloading the latest version below.

Thank you for visiting our site and we look forward to seeing you on board soon!

MSC Cruises

The 5 best cruise travel insurance plans

While smooth sailing will always be the aim, cruising today is often about expecting the unexpected. You can prepare yourself by taking out an insurance policy that can compensate you when your vacation at sea does not go as planned.

Need to cancel your trip last minute due to an accident or illness? Did your bags get delayed or lost? Do you need to exit the sailing early to take care of an emergency back home? Was there a mechanical issue with the ship that required a change of itinerary, causing you to miss your flight home?

For cruise news, reviews and tips, sign up for TPG's cruise newsletter .

All of these contingencies and more can be covered; it's just a matter of finding the best insurance policy for you. Here's how to evaluate which plan is the right choice for you, as well as five of the best cruise travel insurance plans available.

The best cruise travel insurance plan will always be a 3rd-party option

No plan will meet the needs of all cruise travelers, so there is little benefit to booking the one insurance option recommended by your cruise line during the booking process other than convenience.

You'll often find more affordable rates, comprehensive coverage and favorable terms utilizing third-party insurance companies. You'll have a wide choice of plans, so you can pick the one that works the best for your situation.

If you're wondering where the best place is to purchase third-party insurance, "No one comparison site is getting preferential deals," says Stan Sandberg, co-founder of TravelInsurance.com . "Insurance carriers' rates are the same anywhere." However, these insurance comparison sites can help you directly compare the pricing and coverage of multiple policies by a range of preferred providers.

Look for the following coverage options and compare coverage amounts to determine which third-party plan is the best cruise insurance option for your upcoming trip.

Related: Cruise travel insurance: What it covers and why you need it

Trip cancellation

You'll want to be reimbursed if an unexpected event forces you to cancel your cruise. Be sure to read the fine print of your policy, detailing which specific reasons for canceling your trip are covered and not covered.

Trip interruption and travel delays

You'll also want to be covered if issues occur after travel begins. It's important to find "a plan that offers trip interruption if something does happen during your trip, along with a plan that offers emergency medical evacuation, coverage for travel delays and missed connection benefits," adds insurance expert Meghan Walch from InsureMyTrip .

Related: What happens if you miss your cruise

COVID-19 contingencies

Walch advises all travelers booking a cruise to consider a plan that includes cancellation coverage for COVID-19. Note that you'll need more than a home test to file a claim. According to Walch, "You'll need a doctor saying that you have been diagnosed with COVID and specify that you are unable to travel."

In addition, look for coverage if you get sick and need to isolate away from home. "Some plans offer additional trip delay coverage, put in place as a result of needing additional or higher limits for instances that might include if the policyholder gets quarantined in a location," Sandberg adds.

Cancel for any reason

A cancel-for-any-reason optional upgrade offers the most flexibility. You can get a refund of up to 75% if you cancel your voyage for reasons not usually covered by travel insurance. However, it adds about 40% to your premium and can only be purchased within a limited window of time after your cruise purchase.

Related: What happens if my cruise line changes my itinerary or ship?

Lost or delayed baggage

Baggage loss insurance covers your luggage if it is lost, damaged or stolen during your trip. In the case that you make it on the cruise and your bags do not, the insurance agency can assist with locating and redirecting the bags to your next port, reimbursing you for items you may need to purchase to get you through your travels while you are without your belongings and covering your losses in the case that the bag is actually gone for good.

Note that certain high-cost items such as electronics, luxury watches and fine jewelry are not always covered by baggage loss insurance. Consider purchasing additional coverage for such items or — better yet — keep those items with you at all times.

Health coverage

Medical coverage is another consideration. "Most domestic health coverage [including Medicare] does not cover travel abroad, so it is important to look at a travel insurance policy that offers medical coverage during your trip, just in case anything happens," says Walch. "If you fall ill or are injured during the trip, it can be pretty expensive – even when going to the ship's onboard medical facility."

Related: How to avoid getting sick on a cruise

Hurricane coverage

Extreme weather and hurricanes are typically not covered if the cruise commences as scheduled, though you might be eligible for trip interruption coverage if weather cancels the cruise or cuts the itinerary short. There are also insurance plans that offer trip reimbursement if a destination on your itinerary is under a National Oceanic and Atmospheric Administration-issued hurricane alert or warning.

How much will cruise travel insurance cost?

Insurance pricing is dependent on the trip cost and the age of the insured travelers. Sandberg estimates that "travelers in their 30s or 40s can ballpark insurance coverage somewhere around 5% to 7% of the trip costs, with rates that can get lower depending on the extent of coverage."

Insurance is a tiered product that gets more expensive as you age. "As you get older, that range can expand to 10% of trip costs," notes Sandberg. "Adding bells and whistles, like 'cancel for any reason' [coverage], rates can rise to 11% to 12% of the cost of your trip."

Related: How cruising newbies waste money on their 1st cruise

5 best cruise travel insurance plans

Following extensive research scouring the fine print, we've selected five of the best cruise insurance plans that will appeal to a variety of seagoing travelers.

All five plans provide coverage for COVID-19-related trip cancellation and interruption.

For the leisure cruiser: TravelSafe Classic Plan

TravelSafe's Classic Plan is the best value all-around for the average cruiser, with superior coverage limits at a fair rate.

This plan's coverage includes an impressive $1 million per person for medical evacuation and a high $2,500 coverage limit for bag loss. You have extra time – 21 days – from your initial deposit to add a cancel-for-any-reason upgrade to your plan. The accident and sickness medical coverage is primary, with coverage up to $100,000.

The policy's $750-maximum trip delay coverage begins after a six-hour delay and includes kennel fees for up to $100 per day, along with coverage for additional meal and accommodation expenses.

For the budget conscious: AXA's Silver Plan

AXA's Silver Plan is the company's entry-level offering, with more value added than most budget insurance options — most notably the company's concierge service. Coverage under this plan includes robust trip cancellation and interruption coverage, both at 100% of the costs, along with $100,000 for emergency medical evacuation.

The plan also offers identity theft assistance in case your wallet or passport gets stolen while traveling, assisting with filing and obtaining police and credit reports, taking inventory of lost or stolen items, and even wiring emergency funds to you when you're really in a bind.

You won't have the option to purchase a cancel-for-any-reason add-on or opt in for a collision damage waiver on this lowest-tier plan.

For the luxury cruise traveler: John Hancock's Gold Plan

John Hancock's Gold Plan offers robust medical evacuation and repatriation coverage up to $1 million per person, ideal for those luxury cruises that rove to the farthest reaches of the globe. The plan has excellent baggage loss coverage at up to $2,500 per person, along with a low three-hour minimum travel delay ($1,000 per person, $200 daily limit) benefit.

Preexisting medical conditions are covered by this policy, though you must purchase your policy within 14 days of your trip deposit.

For increased medical coverage: Seven Corners' RoundTrip Choice Plan

Seven Corners' RoundTrip Choice Plan offers primary medical coverage for emergency accident and sickness medical expenses up to $500,000, while many other plans only offer secondary coverage. The plan's medical evacuation coverage is high at $1 million, and preexisting conditions are covered with a few conditions that apply, namely that you purchase the policy within 20 days of your initial trip payment.

The policy also offers detailed, robust COVID-19 coverage, including reimbursement for medical care if you contract COVID-19 while traveling. Its coverage also includes meals, local transportation and lodging if you're delayed six or more consecutive hours due to quarantining with COVID-19.

Coverage options on the plan may vary slightly depending on which U.S. state you claim as your residence.

For the adventurous cruiser: World Nomads' Explorer Plan

World Nomads is one of the few insurance companies that will cover more than 200 adventure activities on your travels, including scuba diving, skydiving and bungee jumping. The coverage for the long list of activities includes emergency medical expenses while outside the U.S., medical evacuation and repatriation, along with trip interruption.

World Nomads' Explorer Plan also offers $25,000 in coverage for nonmedical emergency evacuation for covered events, such as a natural disaster or political or security situations.

Travelers 70 and older are required to add a "Silver Nomads" policy, offered through TripAssure.

Bottom line

Cruising isn't always a blissful week spent relaxing on the pool deck or snorkeling among multicolored reefs. Mishaps occur, whether it's losing luggage, missing a flight or falling ill.

The best cruise insurance policies are the ones that won't let you sail without a safety net, charging a fraction of your trip expenses in exchange for the peace of mind that there's a plan in place should something go wrong. With a range of pricing and coverage options available, you can feel confident that you can find a policy to suit your travel needs.

Planning a cruise? Start with these stories:

• The 5 most desirable cabin locations on any cruise ship
• A beginners guide to picking a cruise line
• The 8 worst cabin locations on any cruise ship
• The ultimate guide to what to pack for a cruise
• A quick guide to the most popular cruise lines
• 21 tips and tricks that will make your cruise go smoothly
• 15 ways cruisers waste money
• The ultimate guide to choosing a cruise ship cabin

24-Hour Emergency Assistance Services These services offer on-the-spot and immediate assistance for unexpected problems that can arise during your trip. The hotline operates 24/7 for help while traveling.

Concierge Services Includes pre-trip assistance and help with: scheduling golf tee times; ticketing for entertainment and other special events; making restaurant, airline, and rental car reservations; and more Coverage for Pre-Existing Medical Conditions Pre-Existing Conditions can be accepted when this plan is purchased prior to or within 24-hours of final trip payment, provided other requirements are met. For complete plan details, visit www.tiny.cc/G452

All benefits and services are described on a general basis. For complete details on policy exclusions and benefits, contact Generali Global Assistance for a sample Description of Coverage or Policy.

Get coverage for travelers 17 years in age or younger for only $20 per person

Travel insurance coverages are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231, for the operating name used in certain states, and other important information about the Travel Insurance & Assistance Services Plan, please see Important Disclosures. This is not a complete description of all benefits and limitations. For full terms and conditions of coverage, ask your Vacations To Go cruise counselor. Prices, terms and conditions listed in this summary are subject to change without notice and need to be reconfirmed with your Vacations To Go cruise counselor at the time of booking. If you book an MSC cruise, you can purchase insurance from MSC or from the independent insurance provider, Generali Global Assistance (formerly CSA Travel Protection).  Click here  to see details of the Go Plan from Generali Global Assistance.

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

The Best Cruise Insurance in May 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What to look for in cruise insurance

Factors we considered when picking the best cruise insurance companies, an overview of the best cruise insurance, best cruise insurance options, more resources for cruise travel insurance shoppers.

Cruising is back, but many travelers are still reluctant to board ships alongside thousands of other travelers. Cruise insurance has you covered if:

You need to be reimbursed for canceling your trip.

Your flight to the port gets delayed.

You need to pay for medical care if you get sick on board.

You need to fly home in case of an emergency.

Of course, there's much more than just this list that cruise insurance can cover.

No matter the reason you might be looking for coverage, here are some of the best cruise insurance companies available to help bring you peace of mind on your next experience at sea:

World Nomads .

Berkshire Hathaway .

Travelex Insurance Services .

Travel Guard by AIG .

When shopping for cruise insurance, make sure to look for coverage that offers the following:

Trip delay and cancellation.

Medical expenses, including emergency evacuation.

The option to cancel for any reason (including COVID-19).

Adventure activities if you’re planning certain onshore excursions.

Cruise insurance isn’t much different than traditional travel insurance. Any good travel insurance should cover cruises in addition to travel by air or car.

After our analysis, we've determined these are some of the best cruise insurance options available.

» Learn more: The best travel credit cards right now

We used the following factors to choose top insurance providers to highlight:

Specifics of coverage: Including what coverage plans include and whether they offer useful coverage and benefits for cruises specifically.

Amount of coverage: Including the maximum payouts for trip cancellation and trip interruption claims.

Cost: We compared prices to determine average costs across basic plans.

Customizability: We checked to see if policies allow users to customize options to suit their specific needs.

» Learn more: The guide to cruise travel insurance

We searched for quotes from several companies for a seven-day trip in February 2023 from the U.S. to Mexico. The traveler was 35 years old, from Georgia, and planned to spend $2,500 total on the whole trip, including airfare.

The average price of each company’s most basic coverage plan was $124. These policies didn't include optional add-ons, such as Cancel for Any Reason coverage or coverage for pre-existing medical conditions .

» Learn more: Should you insure your cruise?

Here’s a closer look at our five recommendations for cruise insurance and what makes them unique.

Allianz Global Assistance

What makes allianz global assistance a top choice for cruise insurance:.

Multiple policies are available for international and domestic travel.

Plans offer trip cancellation and interruption coverage for COVID-19.

Offers emergency medical and transportation.

For our test trip, Allianz Global Assistance’s basic plan cost $106, slightly below average.

World Nomads

What makes world nomads a top choice for cruise insurance:.

Adventure activities like mountain biking and scuba diving are covered, perfect for land-based experienced (though which sports are covered varies from plan to plan).

Offers comprehensive travel insurance plans for domestic and international travel.

Larger-than-average coverage for baggage loss and delays.

For our test trip, World Nomad’s basic plan cost $63, well below average. But the actual trip cost isn’t taken into consideration for trip cancellation and interruption coverage.

Berkshire Hathaway Travel Protection

What makes berkshire hathaway travel protection a top choice for cruise insurance:.

A wide range of comprehensive plans cover cancellation, emergency medical and transportation coverage, and emergency travel assistance.

A cruise-specific plan includes some compensation for cruise disablement and the most emergency medical and evacuation coverage of any of these plans.

There are many plans available, including plans that cover adventure activities.

A Berkshire Hathaway WaveCare cruise-specific plan was $202, quite a bit more than average, but with the most medical evacuation coverage.

Travelex Insurance Services

What makes travelex insurance services a top choice for cruise insurance:.

Three comprehensive plans are available.

Kids-included pricing is available with the Travel Select plan.

There's an option to add accidental death and dismemberment coverage to the basic plan.

The Travel Basic plan from Travelex Insurance Services cost $116 for our sample trip; just below the average for plans listed here.

Travel Guard by AIG

What makes travel guard by aig a top choice for cruise insurance:.

Cancel For Any Reason coverage is available as an optional upgrade on two plans.

A pre-existing condition waiver is also available as an add-on.

Travel Guard by AIG offers a basic Essential plan for $133, just a little higher than average, but adding coverage may raise that price.

Bookmark these resources to help you make smart money moves as you shop for cruise travel insurance.

The best travel insurance companies.

The best credit cards for cruises .

What is travel insurance?

Is travel insurance worth getting?

10 credit cards that provide travel insurance .

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

• MSC Cruises

MSC Insurance requirement

By 1kaper , May 3, 2022 in MSC Cruises

Recommended Posts

I am Canadian, sailing Sunday to the Bahamas.  The email says that I need "A   proof of COVID-19 insurance   clearly showing the COVID-19 risks coverage".  I have travel health insurance through work and it is a no-exception policy. I checked and COVID is covered. It does not have trip cancellation/interruption.   The card I booked the cruise with does have trip cancellation/interruption but it would not cover if I tested positive before the trip.  What have others shown?

Link to comment

Share on other sites.

cruiseguyinorl

This is what is required:

Guests that purchase insurance other than the one offered by MSC Cruises must provide proof of their valid travel insurance policy that has a minimum of (a) $25,000 per person in medical expense coverage and (b) $50,000 coverage for emergency medical evacuation, both with no COVID-19 exclusions.  The insurance policy must name the guest as the policyholder or beneficiary.  Guests must bring a printed version of the insurance policy, showing the name of each of the covered guest(s) and a description of the coverage in the policy. This documentation will be reviewed by our staff at the terminal prior to boarding. Without it, guests will be denied boarding. No trip cancellation/interruption required but you have to make sure it spells out all the above in what you bring.

18 minutes ago, cruiseguyinorl said: This is what is required:   Guests that purchase insurance other than the one offered by MSC Cruises must provide proof of their valid travel insurance policy that has a minimum of (a) $25,000 per person in medical expense coverage and (b) $50,000 coverage for emergency medical evacuation, both with no COVID-19 exclusions.  The insurance policy must name the guest as the policyholder or beneficiary.  Guests must bring a printed version of the insurance policy, showing the name of each of the covered guest(s) and a description of the coverage in the policy. This documentation will be reviewed by our staff at the terminal prior to boarding. Without it, guests will be denied boarding. No trip cancellation/interruption required but you have to make sure it spells out all the above in what you bring.   Bret

well that is frustrating. I didn’t find that and what I read specifically said trip cancellation and interruption.  I am fairly certain I could get that from my work travel policy. I was struggling with getting the right documentation for the trip cancellation and interruption.   

Where did you find that? 

I included what was in the email in my original post.  when I looked for more information I found this.   

• COVID-19 insurance for Canadian residents starting from 15 December 2021, is MANDATORY.   The insurance policy should cover against COVID-19 related risks, such as trip cancellation, interruption, repatriation expenses, quarantine, medical assistance and related expenses, as well as hospitalization and it is important that the policy also includes coverage in the case of being a close contact. 

This is what our insurance says. Our concern is that it doesn't explicitly say "Covid". We called the insurance company today and they said it would include Covid if we tested positive during our trip and it is verified by a doctor (under the trip interruption clause).  We have our fingers crossed that this will work with MSC.

9 minutes ago, mnpurple said: This is what our insurance says. Our concern is that it doesn't explicitly say "Covid". We called the insurance company today and they said it would include Covid if we tested positive during our trip and it is verified by a doctor (under the trip interruption clause).  We have our fingers crossed that this will work with MSC.   Insurance Coverages Provided Maximum Limit Per Person Maximum Limit Per Plan Trip Cancellation $4,500.00 $4,500.00 Trip Cancellation - Exchange Fees $250.00 $250.00 Trip Interruption $4,500.00 $4,500.00 Medical and Dental Coverage $50,000.00 $100,000.00 Emergency Assistance and Transportation $50,000.00 $100,000.00

thats exactly where I am. When do you sail? 

@1kaper We sail on 5/23.  I just hope MSC is OK with this. The insurance company said as long as doctor verified. One way or another, we'll figure it all out!

We boarded on April 23. Didn’t ask for proof of insurance. Staying in the YC.

@gmbhardy Where was your cruise? We will be leaving from Naples, Italy.

I have replied to another thread on the subject

I was denied boarding in dubai on March 26 because the insurance policy i purchased through TUGO ( partner company of MSC cruises Canada ) did not specifically mention covid insurance

I was assured I had this coverage but was denied boarding

Just be careful.

Does this insurance requirement apply to US citizens sailing from the US?

1 hour ago, jcathers1 said: Does this insurance requirement apply to US citizens sailing from the US?

The web site for our insurance says this, I'm hoping if it comes down to it, that suffices:

Travel Updates: Our plans provide coverage if you, a family member, or a traveling companion become ill with COVID-19 and plan requirements are met.  See Coverages

On 5/3/2022 at 6:01 PM, mnpurple said: @gmbhardy Where was your cruise? We will be leaving from Naples, Italy.

Out of Miami.

On 5/4/2022 at 2:33 AM, oilsand said: I have replied to another thread on the subject I was denied boarding in dubai on March 26 because the insurance policy i purchased through TUGO ( partner company of MSC cruises Canada ) did not specifically mention covid insurance I was assured I had this coverage but was denied boarding Just be careful.

Oh my gosh, what did you do?  Was there insurance onsite you could buy?  Did you grab another policy online via your phone? 

To update - They did not ask for anything from my roommate and I at all about insurance upon boarding in Port Canaveral. 

After MSC in dubai refused me boarding , i was able to secure a policy from the dubai port in person which enabled me to present to MSC and they let me board . From what i could determine it was not a policy offered to me by MSC.

It was a tense few hours

Keep in mind this was 3/4 around the world and in a foreign port to me

I think the hard part is that our credit card insurance policy may have the primary credit card holder's name on it but not our family members, so would that then not follow their policy?  And whether or not our credit card company will provide us documents with our names on it.

3 hours ago, xcell said: I think the hard part is that our credit card insurance policy may have the primary credit card holder's name on it but not our family members, so would that then not follow their policy?  And whether or not our credit card company will provide us documents with our names on it.

You would have to read the policy to know.  i booked my flights with one card and cruise with another. On one my family travelling with me would be covered. It also covered if a family member not travelling got ill.   

the question about the documents with your names on it - that was my issue. They told me all they could do was send me a copy of policy. Which neither included my name or specified Covid 19. Even though covid 19 is considered an illness as outlined in the policy.   

i ended up buying a “covid 19 pandemic travel policy” for $30 which did not cover everything they wanted but I figured they wouldn’t look too much past the name. It did cover quarantine and medical.   i knew I was covered so I was ok.  Then they didn’t ask.   

(I was going to wait til embarkation and purchase the plan last minute as someone above did if required but I went ahead and bought it ahead of time) 

3 hours ago, 1kaper said: You would have to read the policy to know.  i booked my flights with one card and cruise with another. On one my family travelling with me would be covered. It also covered if a family member not travelling got ill.    the question about the documents with your names on it - that was my issue. They told me all they could do was send me a copy of policy. Which neither included my name or specified Covid 19. Even though covid 19 is considered an illness as outlined in the policy.    i ended up buying a “covid 19 pandemic travel policy” for $30 which did not cover everything they wanted but I figured they wouldn’t look too much past the name. It did cover quarantine and medical.   i knew I was covered so I was ok.  Then they didn’t ask.  (I was going to wait til embarkation and purchase the plan last minute as someone above did if required but I went ahead and bought it ahead of time) 

Mandatory cruise insurance has to be bought from MSC (thro your TA) for cruises in Europe & Middle east. For US cruises, insurance is not mandatory

7 hours ago, drsel said: Mandatory cruise insurance has to be bought from MSC (thro your TA) for cruises in Europe & Middle east. For US cruises, insurance is not mandatory

Doesn't say (at least for Canadians) that we need to buy it from MSC for Med (or Caribbean)

For my cruise in the middle east, MSC did not sell insurance, but required it . They suggested i use one of their partner companies and thats where the problem started

10 hours ago, drsel said: Mandatory cruise insurance has to be bought from MSC (thro your TA) for cruises in Europe & Middle east. For US cruises, insurance is not mandatory

Incorrect - you just need to show that you have insurance coverage for covid, it is not necessary to purchase from MSC or your TA.

I have a letter from my travel insurance stating I am covered for covid up to $30k and it has worked fine for MSC in both the Med and UAE.  

13 hours ago, drsel said: Mandatory cruise insurance has to be bought from MSC (thro your TA) for cruises in Europe & Middle east. For US cruises, insurance is not mandatory

To my knowledge, you don't have to buy insurance through MSC as long as it meets their stated requirements.

17 hours ago, drsel said: Mandatory cruise insurance has to be bought from MSC (thro your TA) for cruises in Europe & Middle east. For US cruises, insurance is not mandatory

MSC does require Canadians have insurance when sailing from the US. It also says it does not have to be purchased from their partner company. 

Please sign in to comment

You will be able to leave a comment after signing in

• Welcome to Cruise Critic
• New Cruisers
• Cruise Lines “A – O”
• Cruise Lines “P – Z”
• River Cruising
• Cruise Critic News & Features
• Digital Photography & Cruise Technology
• Special Interest Cruising
• Cruise Discussion Topics
• UK Cruising
• Australia & New Zealand Cruisers
• Canadian Cruisers
• North American Homeports
• Ports of Call
• Cruise Conversations

Announcements

• New to Cruise Critic? Join our Community!

Write Your Own Amazing Review !

Click this gorgeous photo by member SUPERstar777 to share your review!

Features & News

LauraS · Started Friday at 01:11 PM

LauraS · Started Wednesday at 08:11 PM

LauraS · Started Tuesday at 07:43 PM

LauraS · Started Tuesday at 01:14 AM

LauraS · Started April 26

• Existing user? Sign in OR Create an Account
• Find Your Roll Call
• Meet & Mingle
• Community Help Center
• All Activity
• Member Photo Albums
• Meet & Mingle Photos
• Favorite Cruise Memories
• Cruise Food Photos
• Cruise Ship Photos
• Ports of Call Photos
• Towel Animal Photos
• Amazing, Funny & Totally Awesome Cruise Photos
• Write a Review
• Live Cruise Reports
• Member Cruise Reviews
• Create New...

BOOK AND CRUISE WITH CONFIDENCE

Thank you for visiting msc cruises.

Your browser may be out of date or not compatible with our new site and may not be secure.

For a better experience and to continue your booking with MSC, please update your browser by downloading the latest version below.

Thank you for visiting our site and we look forward to seeing you on board soon!

MSC Cruises

• Cruise Podcast

MSC Meraviglia Bahamas Cruise Review 2024 [Podcast]

Doug Parker

• May 4, 2024

Daniel recounts his seven-night journey aboard the MSC Maravilla in this podcast episode, starting from Brooklyn, New York. Opting for the upscale Yacht Club, he praises the exclusive boarding and personalized service, including a butler.

The ship’s grand design, especially the crystal staircases and atrium, left a strong impression. Dining experiences varied, with some restaurants meeting his high expectations.

Despite enjoying the ship’s amenities, Daniel faced challenges with the casino’s smoking policy and language barriers among culturally diverse passengers. His stateroom was luxurious, but he needed to switch rooms due to smoke odor. The cruise included stops at Port Canaveral, Nassau, and Ocean Cay.

Timestamps:

• Embarkation and Yacht Club (00:00:31)  Daniel’s experience boarding the MSC Meraviglia and his first impressions of the Yacht Club.
• Yacht Club Facilities and Dining (00:04:37)  Description of the Yacht Club amenities, including dining options and dedicated services.
• Specialty Restaurants and Value (00:10:01): This section Reviews specialty dining experiences and compares the value of MSC and other cruise lines.
• Cultural Differences and Passenger Interactions (00:12:29)  Discussion of cultural differences and passenger interactions experienced during the cruise.
• Stateroom and Entertainment (00:15:45)  Description of the solo stateroom and thoughts on onboard entertainment, including stand-up comedy and musical shows.
• Casino and Customer Service (00:18:21)  Observations on the casino, smoking policies, and customer service experiences.
• Crowds and Yacht Club Retreat (00:20:19): This is an Overview of crowd levels and the benefits of the Yacht Club as a retreat from congestion.
• Sundeck and Ports of Call (00:20:53): This video describes the Yacht Club sundeck and briefly overviews the three ports of call.
• Port Canaveral and Cocoa Beach (00:21:35): We discussed a broken blender, resort pass, and souvenirs in Port Canaveral and Cocoa Beach.
• Nassau and Margaritaville (00:22:35)  Describing the resort pass experience at Margaritaville and the lazy river in Nassau.
• Ocean Cay and Massage Experience (00:23:57)  Exploring the private island Ocean Cay and the relaxing massage experience on the beach.
• Food and Experience at Ocean Cay (00:25:09)  Sharing dissatisfaction with the food and overall experience at Ocean Cay.
• Encounter with Nasty Weather (00:25:30)  Describing the challenging weather conditions experienced during the cruise.
• Disembarking and Traffic in Brooklyn (00:27:08)  Efficient disembarking from the ship and dealing with traffic in Brooklyn.
• Tips for Sailing MSC Meraviglia (00:27:48)  Providing tips for first-time sailors on MSC Meraviglia and staying in the yacht club.
• Considerations for Future Cruises (00:28:39)  Reflecting on the cruise experience and considering future cruises with MSC.
• Highlights of the Cruise (00:28:47)  Highlighting the memorable massage experience on the private island and feeling grateful.
• Final Thoughts on MSC Meraviglia (00:29:37)  Summarizing thoughts on MSC Meraviglia and recommending it for avid cruisers.

Recent Posts

Cruise line guarantees glaciers on alaska sailings or receive cruise credit, elderly cruise passengers left behind in spain after returning late, investigation underway after a cruise ship reportedly maneuvers close to shore, share this post, related posts.

Sun Princess Trip Report: Unlocking the Hidden Secrets Onboard [PHOTOS]

Sun Princess Trip Report, Day 2: Exploring On Land and at Sea [PHOTOS]

Bringing you 15 years of cruise industry experience. Cruise Radio prioritizes well-balanced cruise news coverage and accurate reporting, paired with ship reviews and tips.   

Quick links

Cruise Radio, LLC © Copyright 2009-2024 | Website Designed By   Insider Perks, Inc

• Cruise and Hotels
• MSC Cruises
• MSC Cruises: Weather the Storm with Our Flexible Hurricane Policy

Introduction:

When planning a cruise vacation, one concern that often arises is the weather, particularly during hurricane season. At MSC Cruises, we understand the importance of ensuring our guests have a worry-free experience, even in the face of inclement weather. That’s why we have implemented a flexible hurricane policy, designed to provide peace of mind and flexibility for our passengers.

Our hurricane policy is designed to address the potential disruptions caused by hurricanes or tropical storms, allowing our guests to make necessary changes to their cruise plans without incurring additional fees or penalties. With this policy in place, you can confidently book your MSC cruise knowing that you have options in case of unforeseen weather events.

To help you understand our flexible hurricane policy better, we have compiled the most important points in a handy table below:

At MSC Cruises, we prioritize the safety and satisfaction of our guests. Our flexible hurricane policy is just one of the ways we demonstrate our commitment to providing exceptional service and ensuring a memorable cruise experience. So, you can embark on your journey with confidence, knowing that we will weather the storm together.

Sources: – [MSC Cruises Official Website](https://www.msccruises.com/en-gl/Discover-MSC/Why-MSC-Cruises/Our-commitments.aspx) – [Cruise Critic – Cruise Line Hurricane Policies](https://www.cruisecritic.com/articles.cfm?

What is the hurricane policy for MSC cruises?

MSC Cruises has implemented a flexible hurricane policy to ensure the safety and peace of mind of its passengers. In the event of a hurricane, MSC Cruises closely monitors the weather and makes itinerary changes, if necessary, to avoid any potential risks. If a cruise is affected by a hurricane, MSC Cruises offers guests various options, including rebooking for a future cruise, receiving a cruise credit for the full amount paid, or obtaining a refund. The policy allows passengers to have the flexibility and reassurance they need when planning their vacation with MSC Cruises. For more detailed information, please visit the official MSC Cruises website: https://www.msccruisesusa.com/en-us/Discover-MSC/About-MSC/Booking-Conditions.

What happens if my cruise is Cancelled due to hurricane?

If your MSC cruise is cancelled due to a hurricane, rest assured that MSC Cruises has a flexible hurricane policy in place to ensure your peace of mind. In the event of a cancellation, MSC Cruises will work with you to provide various options, including rebooking your cruise for a later date or receiving a future cruise credit. This policy applies to both pre-cruise and onboard cancellations, allowing you to make the best decision for your travel plans. To learn more about MSC Cruises’ hurricane policy and the steps to take in case of a cancellation, visit their official website.

Can cruise ships be cancelled if a storm is coming?

When it comes to cruising, safety is always a top priority. That’s why MSC Cruises has implemented a flexible hurricane policy to ensure the well-being of their passengers. In the event of a storm, cruise ships can be cancelled or rerouted to avoid any potential danger. This policy allows MSC Cruises to closely monitor weather conditions and make informed decisions to guarantee a smooth and secure travel experience. Passengers can rest assured knowing that their safety is of utmost importance to MSC Cruises. To learn more about MSC Cruises’ hurricane policy and how it benefits travelers, visit their official website: https://www.msccruisesusa.com/en-us/Discover-MSC/About-MSC/Travel-Updates.aspx.

What happens if there is a storm while on a cruise?

If a storm occurs while on a cruise with MSC Cruises, rest assured knowing that our flexible hurricane policy ensures your safety and peace of mind. Our experienced team closely monitors weather conditions and takes necessary precautions to navigate away from any potential storms. In the rare event that a storm disrupts your itinerary, we offer a variety of options to accommodate your needs. These options may include itinerary modifications, alternative ports of call, or even a full refund. Your safety and satisfaction are our top priorities, ensuring a seamless and enjoyable cruise experience. To learn more about our hurricane policy, please visit our website [insert link to MSC Cruises hurricane policy].

Carnival cruise hurricane policy

Carnival Cruise Line understands the unpredictability of hurricanes and prioritizes the safety and comfort of their guests. With their flexible hurricane policy, Carnival allows guests to reschedule or cancel their cruise without any penalties if their itinerary is impacted by a hurricane. This policy ensures that passengers can navigate their travel plans smoothly, providing peace of mind while embarking on a Carnival cruise adventure. For more details and updates on Carnival’s hurricane policy, please visit their official website: https://www.carnival.

In conclusion, MSC Cruises’ flexible hurricane policy is a testament to their commitment to ensuring the safety and satisfaction of their passengers. With a comprehensive plan in place, they have proven themselves as a reliable and trustworthy cruise line when it comes to navigating through unpredictable weather conditions.

By offering flexible itineraries, allowing for itinerary changes and alternative destinations, MSC Cruises ensures that guests can still enjoy their vacation and make the most out of their time onboard, even in the face of a hurricane. This flexibility not only provides peace of mind to passengers but also demonstrates the cruise line’s dedication to providing exceptional service.

Additionally, the option to reschedule or receive a future cruise credit is a valuable offering that sets MSC Cruises apart from other cruise lines. This allows passengers to have the flexibility to plan their next vacation without losing out on any money already spent.

It is important to note that while MSC Cruises takes every precaution to ensure the safety of their guests, there may still be instances where a cruise is canceled or delayed due to severe weather conditions. In such cases, passengers can trust that MSC Cruises will provide clear communication and assistance in making alternative arrangements.

For those seeking more information on MSC Cruises’ hurricane policy, the official MSC Cruises website provides detailed information on their policies and procedures. Additionally, reputable travel websites such as Cruise Critic and Travel Weekly offer articles and reviews that shed light on MSC Cruises’ commitment to passenger safety and satisfaction.

Overall, MSC Cruises’ flexible hurricane policy is a testament to their dedication to providing an exceptional cruising experience. By putting the safety and satisfaction of their passengers first, they have established themselves as a reliable and trustworthy cruise line in the face of unpredictable weather conditions. Whether it’s offering flexible itineraries, providing the option to reschedule or receive future cruise credits, or offering clear communication and assistance during cancellations or delays, MSC Cruises goes above and beyond to ensure a positive and memorable vacation experience for their guests.

Sources: 1. MSC Cruises Official Website: [https://www.msccruisesusa.com/en-us/Plan-Book/Book-a-cruise/Book-a-cruise.aspx] 2. Cruise Critic: [https://www.cruisecritic.com/reviews/cruiseline.cfm?CruiseLineID=80] 3. Travel Weekly: [https://www.travelweekly.com/Cruise-Travel/MSC-Cruises] 4. USA Today: [https://www.usatoday.

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Save my name, email, and website in this browser for the next time I comment.

Best Cruise Travel Insurance of May 2024

Find a Qualified Financial Advisor

Finding a financial advisor doesn't have to be hard. SmartAsset's free tool matches you with up to three fiduciary financial advisors that serve your area in minutes. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests. Start your search now.

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

A cruise vacation can take much of the stress out of planning a vacation. With a pre-set itinerary on the high seas, you don't have to worry about how you're getting to your destination and what you're going to do there. However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best cruise insurance plan that won't leave you high and dry in an emergency.

Our top picks for the best cruise insurance

• Best Overall: Nationwide Travel Insurance
• Best for affordability: AXA Assistance USA
• Best for seniors: Seven Corners Travel Insurance
• Best for expensive trips: HTH Worldwide Travel Insurance
• Best for exotic locations: World Nomads Travel Insurance

How we rate cruise insurance companies »

Compare the top cruise travel insurance companies

While booking a cruise takes off much of the pressure when coming up with itineraries, your trip can still encounter several hitches, which is where cruise travel comes in. The best cruise travel insurance will have high coverage limits on emergency medical evacuations, as sea to land evacuations can be expensive. They'll offer coverage for baggage delay, trip interruption, and it might be a good idea to have some adventure sports coverage if you plan on participating in any outdoor activities like snorkeling or scuba diving. 

Here are our picks for the best cruise travel insurance companies in 2024.

Best overall: Nationwide

Nationwide Travel Insurance  is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

It has three cruise insurance options: Universal, Choice, and Luxury. The Nationwide Choice plan, for example, offers $100,000 in emergency medical coverage and $500,000 in emergency medical evacuation coverage.

The right plan for you depends on your budget and coverage needs. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship.

Read our Nationwide Travel Insurance review here.

Best for affordability: AXA

AXA Assistance USA  offers three comprehensive coverage plans: Gold, Silver, and Platinum. Each of these plans offers coverage for issues like missed flights, medical emergencies, lost luggage, and more.

The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.

In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise.

The coverage limits on AXA's policies are on the higher end compared to other providers. And you can buy coverage for a little as 4% of your trip cost depending on your age, travel destination, and state of residence.

Read our AXA Travel Insurance review here.

Best for seniors: Seven Corners

Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. While other providers do offer coverage to those 80+ years old, Seven Corners is known for its affordable premiums while offering above-average medical expenses and medical evacuation coverage limits — two areas of travel insurance coverage that are even more important as we get older.

Seven Corners also offers the option of a preexisting conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

You can choose between the Trip Protection Basic or Trip Protection Choice plans, with the higher-tier Choice plan costing more but providing more coverage.

Read our Seven Corners Travel Insurance review here. 

Best for expensive trips: HTH Worldwide

HTH Worldwide Travel Insurance  offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The higher the tier, the more coverage you'll get for things like baggage delays, trip delays & cancellations, and medical expenses. But their premiums remain reasonable even at the highest tier of coverage.

Not only does the HTH Worldwide Trip Protector Preferred plan offer higher-than-average medical emergency and evacuation coverage limits ($500,000 and $1 million, respectively), but you'll also get a baggage loss coverage limit of $2,000 per person and coverage for trip interruption of up to 200% of the trip cost. You also have the option to add CFAR coverage for an additional cost.

Read our HTH Worldwide Travel Insurance review here.

Best for exotic locations: World Nomads

World Nomads Travel Insurance  has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too.

Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. And you'll get higher coverage limits with their Premium Plan. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues.

What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise.

Read our World Nomads Travel Insurance review here.

Introduction to Cruise Insurance

Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical. The best travel insurance plans will provide flexibility to add coverage options to fit your travels needs.

Understanding the Basics of Cruise Insurance

At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage. Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference.

Why Cruise Insurance is Important

Picture this: You're all set for your dream cruise, but a sudden family emergency means you can't set sail. Or worse, you fall ill in the middle of the ocean. Without cruise insurance, you're not just missing out on an adventure, but also facing potentially huge financial losses. That's why securing cruise insurance isn't just recommended; it's a crucial part of your cruise planning.

Types of Cruise Insurance Coverage

Cruise insurance isn't a one-size-fits-all life jacket. There are various types of coverage, each tailored to protect different aspects of your cruise experience.

Trip Cancellation and Interruption Coverage

This coverage is like your safety net, catching you financially if you need to cancel your trip last minute or cut it short due to emergencies, be it due to personal, health-related, or even certain work conflicts.

Medical Coverage

Being on a cruise shouldn't mean being adrift from medical care. Medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances.

Emergency Evacuation Coverage

In the rare case that you need to be evacuated from the ship due to a medical emergency or severe weather, this coverage ensures you're not left adrift in a sea of expenses.

Baggage and Personal Effects Coverage

Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience.

Buying Cruise Insurance

Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs. 

When to Purchase Cruise Insurance

Timing is everything. Purchasing your insurance soon after booking your cruise can often provide additional benefits and ensure you're covered for any early surprises. As you get closer to your trip your coverage options may get more expensive, and certain providers may not be able to offer you coverage.

How to Find the Best Deals on Cruise Insurance

Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like SquareMouth is a good place to compare multiple quotes from all of the major carriers at once.

How we reviewed cruise insurance plans

When comparing cruise travel insurance providers, we evaluated them based on the following criteria to come up with our list of top picks:

Customer Satisfaction

We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction. We also look at customer review sites like Trustpilot and SquareMouth.

Policy Types

We look at policy types and offerings, from standard travel protections to adventure sports coverage. We look at the amount of insurance offered

Average Premiums

We compare average premiums per trip. Some companies also offer annual plans, and we compare policies accordingly.

Claims Paid

How frequently do companies pay claims easily and quickly? We check customer reviews and other resources to see which companies honor policies most effectively.

We look at the company's overall behavior. Is it operating ethically? Companies can earn additional points for such behaviors.

You can read more about how Business Insider rates insurance here.

Best cruise travel insurance FAQs

How much does insurance cost for a cruise.

As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage. The price will vary depending on factors like your age, your travel destination, and whether you require additional coverage.

When is the best time to buy cruise insurance?

If you're booking a cruise, we recommend purchasing travel insurance when you make your first trip payment. That could be for the cruise itself or an expense like airfare to get you to your cruising destination. This way, if you have to cancel your trip, you'll have the most extended coverage period possible.

What cruise insurance coverage do I need?

Your cruise insurance should have high coverage limits for emergency medical evacuations, trip delays, interruption, and adventure sports.

What is the difference between travel insurance and cruise insurance?

The difference between traditional travel insurance and cruise insurance is that cruise insurance offers more specialized coverage, for situations such as missing a departure port and more coverage for medical evacuations, since it's more expensive to evacuate someone at sea than on land. 

Can I claim for missed ports on a cruise?

Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim, and before you travel so you know what compensation you're entitled to.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

Protect Your Trip »

Cruise packing list: the essentials chosen by experts.

This cruise packing list includes all of the essentials – plus items you didn't know you needed.

Essentials to Pack for a Cruise

Packing for any trip takes some planning, but cruise vacations present a unique challenge – particularly due to limited stateroom storage space and sparse (or overpriced) options for purchasing accidentally forgotten items.

To help you decide what to pack for a cruise, we've curated a list of essentials recommended by cruise experts who regularly sail the high seas. Download the U.S. News Cruise Packing List pictured above to reference while you pack, and read on to learn more about the recommended items and where you can purchase them if needed.

• For packing and planning
• For travel and embarkation day
• For the cabin
• For the ship and shore excursions

Find your perfect cruise

Carry-on bag

Regardless of whether you bring checked luggage, you'll need some type of carry-on bag . Since checked bags need to go through security as they do at airports – and because you may need to wait for your stateroom to be ready, just like at a hotel – you'll want to be able to access any necessities pre-cruise. These might include a swimsuit, sunscreen, sunglasses and a hat for the pools; medications; a bottle of water; and your smartphone, of course. You'll also want to keep your credit card , passport, and any other important documentation or valuables close by. A carry-on backpack works especially well since it can double as a day bag for shore excursions.

Checked bag

While you'll likely want to bring a checked bag, consider sharing one with your ship mate(s) to maximize stateroom storage space. Or, consider bringing medium-sized luggage, such as the The Medium by Away , for checking in.

Read: The Best Checked Luggage Options

Garment bag

Courtesy of Halfday

While many cruises are less formal these days, a garment bag can still be handy for keeping select garments wrinkle-free (since clothing irons are prohibited on cruise ships). Top-rated options include the The Garment Duffel by Halfday and the Briggs and Riley Baseline 22" Carry-On 2-Wheel Garment Bag , both of which double as traditional luggage. If you pack your luggage right, you can make this your only suitcase, in addition to a carry-on bag.

Packing cubes or vacuum-sealed bags

Packing cubes are one of the best ways to organize your belongings for travel – especially in a tight cruise ship cabin. Top-rated options include the Veken packing cubes on Amazon (usually priced around $20) and all of the Pack-It Sets by Eagle Creek. The Pack-It Starter Set is especially ideal for cruising since it includes a garment folder designed to minimize wrinkles in clothing. Some cruisers also swear by vacuum-sealed bags , even though they can be a bit more tedious to pack.

Carry-on caddy

Ashley Kosciolek, senior cruise writer at The Points Guy, recommends a carry-on caddy , particularly if you're flying to your embarkation point. "I have a fabric sleeve that slides down over the telescoping handle on my carry-on to provide pockets for my passport, phone, coffee – all the things I used to have to juggle during check-in."

Digital luggage scale

The compact Etekcity scale – approximately $10 on Amazon – can weigh bags up to 110 pounds and help you avoid overweight baggage fees.

Bungee cord

"Especially for travelling with the family, I use a bright-green bungee cord to strap multiple pieces of luggage together," says Aaron Saunders, senior editor at Cruise Critic. "It's a lifesaver when boarding trains or disembarking ships, particularly when you ' re maneuvering a stroller and a little one around, too."

Luggage tracker

Courtesy of Apple

A luggage tracker isn't just useful for air travel. Attach one to your checked cruise luggage to see when it has arrived in your stateroom (or if it's stalled at security). Chris Gray Faust, executive editor at Cruise Critic, doesn't go anywhere without her Apple AirTag after her luggage got stuck in Vancouver for over a week last June. "My AirTag use has expanded beyond my checked luggage, too. I also have AirTags in my handbag, my carry-on, my keychain and my wallet."

Cruise insurance

Due to the unpredictable nature of travel, cruise insurance can be a wise purchase ahead of your voyage. Travel policies can cover unforeseen expenses such as trip interruptions and medical emergencies.

While a passport is often required for cruising, rules can vary depending where you're traveling. Determine whether you need a passport for your upcoming cruise ; if you do, triple-check that you have it packed the day of departure.

Credit cards and local currency

When cruising internationally, consider getting small amounts of each country's currency to have on hand in port. Depending where you go, some local markets may only accept their own country's currency, not U.S. dollars or credit cards. It's also nice to leave cash gratuities for cab drivers, tour guides or servers; in the European Union, 1- and 2-euro coins are convenient and appropriate tips. In ports with vendors that do accept credit cards, be sure to carry a Visa or Mastercard , as some shops and restaurants do not take American Express .

RFID wallet

It's important to protect your travel documents with an RFID wallet like the TIGARI Passport Holder or the ZOPPEN RFID Travel Passport Wallet , the latter of which can hold multiple passports for a family. "Thieves and hackers can steal your credit card information just by using skimming devices," explains Jill Schildhouse, a cruise expert and U.S. News contributor who always travels with her RFID wallet. "And because your wallet wasn't even touched, you won't know it happened until you see your credit card statement."

Medications

Pack more than enough of your prescription medications as well as any over-the-counter medicines you'll need, just in case you encounter an itinerary change or travel delay. While some travelers find it easiest to bring personal medicines in their prescription bottles, others find travel pill boxes to be especially helpful for organization. The Sukuos Weekly Pill Organizer is a well-rated option, with detachable boxes for each day as well as compartments for morning and evening medications.

Sheet masks

Since flying can be so drying for the skin, Faust likes to use sheet masks. "My first step the night before I board (because you should always fly in a day early) is to hydrate with a sheet mask (usually from a Korean brand like Ballon Blanc or FaceTory )," she says. "If I'm meeting up with a friend, I bring an extra sheet mask so our trip starts out feeling a bit like a spa day!"

Magnetic hooks

A surprising fact: Cruise ship cabin walls are made of metal, which means you can optimize your storage space by hanging some of your belongings on magnetic wall hooks. The hooks are perfect for holding bulky coats or boots if you're traveling to a colder climate. You can also use them for wet gear on expedition ships and adventure cruises, or for drying out bathing suits after days at the beach or pool. Purchase a set of magnetic hooks for less than $10 on Amazon .

Like hotels, cruise ships can only provide so many hangers. Bring a few extras from home or pick up a pack from your local dollar store. You might also try packable hangers .

Wrinkle release spray

Whether or not you bring a garment bag, a travel-size bottle of wrinkle release spray, such as Downy Wrinkle Releaser spray , is useful to have on board. If you combine a spritz or two with the steam from your shower, you should be able to smooth out some of the wrinkles in your clothing.

Laundry detergent

"If you don't want to pay for laundry service or spend precious time in the self-service laundry room, bring a small bottle of laundry detergent like Woolite to wash key items in the sink: underwear, bras, quick-dry hiking shorts, bathing suits, etc.," recommends Schildhouse. "Every cruise ship shower has a retractable clothesline you can extend to drape the clothes over while they dry. This can also help cut down on the number of items you need to pack."

Over-the-door organizers

Over-the-door organizers with clear or mesh pockets allow you to find your feminine hygiene products, makeup, jewelry and other small items quickly – without having to hunt through multiple drawers or a tight stateroom closet. It's a good idea to purchase a two-pack like this option by Simple Houseware Store (available on Amazon), since you can also use one to store shoes and maximize floor space.

Courtesy of Poo-Pourri

It goes without saying, but to say it anyway: A toilet spray like Poo-Pourri is a must for your cruise packing list. Any smell – pleasant or not – will travel quickly in small staterooms with small bathrooms. Buy a travel-size bottle to keep in your cabin.

Shampoo and conditioner

Cruise experts agree it's best to bring your own shampoo and conditioner in travel-size bottles, as most cruise ships don't provide separate shampoo and conditioner anymore; instead, they offer all-in-one dispensers. Colleen McDaniel, editor-in-chief at Cruise Critic, likes to pack her shampoo and conditioner in the popular Cadence Capsules , noting she also uses them for another essential: sunscreen. "These capsules are easy to fill, never leak and have clear labels, which you can customize," she says.

Wine or Champagne

Most major cruise lines allow each guest to bring one to two bottles of wine or Champagne on board, while some luxury cruise lines allow even more than that. Disney Cruise Line also gives guests the option to bring a six-pack of beer instead of wine or Champagne. Be sure to consult your cruise line's policies when packing for your trip.

If you plan to bring wine or Champagne, you'll likely need a corkscrew . While some cruise lines may prohibit corkscrews, others allow them onboard; check your cruise line's policy before sailing. Bringing wine with a twistable cap may be a good alternative.

Portable humidifier

Cruise ship cabins can feel dry – especially in the colder months. A portable humidifier like the GENIANI Erie (around $25 on Amazon) can provide some relief. At about half a pound, this USB-powered device will fit neatly into your checked bag or carry-on luggage. The travel humidifier features two mist settings and has an automatic shut-off option, plus a night light to help you see around your cabin in the dark.

International travel adapter or converter

You'll likely need a travel adapter, since cruise lines homeported in international locales may have different electrical sockets and voltage strengths than you're used to in the U.S.

McDaniel recommends the OneWorld65 Travel Adapter . "I've used a lot of different travel adapters over the years, but this is my favorite. It charges up to six devices at once, has USB and mini-USB options, and works in over 200 countries," she says. "While many cruise ships have U.S. outlets, most usually also have European outlets. This adapter lets me take advantage of that outlet I'd otherwise ignore." She also notes that while cruise lines are getting better about having more outlets on their ships, it never feels like enough to keep your phone, camera battery, tablet, watch, headphones/earbuds and laptop charged (times two or more if you're traveling with others).

Tips on Trips and Expert Picks Newsletter

Travel tips, vacation ideas and more to make your next vacation stellar.

Sign up to receive the latest updates from U.S News & World Report and our trusted partners and sponsors. By clicking submit, you are agreeing to our Terms and Conditions & Privacy Policy .

Sound machine

Cruise experts agree a sound machine can be helpful for blocking out the sound of late-night partiers returning to their staterooms (or your snoring spouse). Schildhouse likes the LectroFan Micro 2 for cruising. "It plays non-looping white noise and doubles as a speaker to play tunes while you get ready for dinner."

Tech organizer

Courtesy of Bagsmart

A tech organizer like the BAGSMART electronics organizer case – available on Amazon for about $20 – can store all your cables, plugs, SD cards and earphones in one zippered, compact bag that will fit easily in your carry-on luggage. Despite its small size, it can also hold bulkier items like a small laptop charging cord.

First-aid kit

A first-aid kit is a good thing to have on hand no matter where you go. You can make your own using supplies you already have at home, or buy a premade first-aid kit on Amazon for about $20. While all cruise ships have medical facilities, it's useful to have these items with you on shore excursions, especially those involving active adventures.

Hand sanitizer

Regularly washing your hands and/or using hand sanitizer is essential to staying healthy while traveling, especially on a cruise ship. Stock up on a few travel-size bottles of hand sanitizer (less than $2 each at Walmart) ahead of your trip. If you're looking for something with less alcohol that's also less drying, check out Babyganics Alcohol-Free Foaming Hand Sanitizer .

If you're a parent, you know that your infant or toddler needs a very specific size – and in some cases brand – of diapers, which may very well be unavailable to you on your cruise ship or in the ports of call. Bring more than enough diapers to play it safe at sea.

Most cruise lines also require that non-toilet-trained infants and toddlers wear swim diapers in the children's water play areas. For the sake of sanitation, kids must be toilet-trained to use the pools on cruise ships.

Many cruisers like to personalize their cabin with stateroom door decor. Not only is it a fun tradition, but decorating the door can make it easier to locate your room, too. You can find lots of fun decor ideas on Pinterest as well as Amazon.

" Duct tape is a life-saver in many situations," says Kosciolek. "I primarily use it to attach my printed luggage tags, but it's also great for mending clothing issues on the fly and fixing broken luggage until you can get it back home."

"As a parent, I like to bring lanyards with sleeves so my kids can wear their keycards and not lose them," says Erica Silverstein, senior cruise editor at The Points Guy. "We hang them on the magnetic hooks I put on the wall, so they don't get lost in the cabin either."

Courtesy of Sea-Bands

If you're prone to (or think you may be prone to) motion sickness on cruise ships, put a pair of Sea-Bands on your cruise packing list. These soft wristbands use acupressure to prevent and minimize nausea and vomiting on board, and they are a reusable, drug-free alternative to traditional anti-nausea medications. You can purchase Sea-Bands on Amazon or at most drugstores.

If you need something a bit stronger than Sea-Bands (or to use in conjunction with them), Dramamine remains a tried-and-true solution for both preventing and treating sea sickness. Choose the Less Drowsy formula to avoid getting sleepy, and consider the chewable tablets (dye-free) if traveling with kids who are prone to queasiness. Many travelers like Bonine as a remedy for sea sickness as well.

Mix-and-match clothing

Pack a variety of mix-and-match items, also known as a capsule wardrobe, for your cruise. To do this, choose a base color – black or navy blue – for your wardrobe. Next, pack plain, neutral-colored items, then add a few patterned items to the mix. Remember to include a variety of styles (T-shirts, long-sleeved shirts, pants, shorts, dresses, rompers and jumpsuits) and also consider reversible clothing and outfits that can easily transition from day to night.

Sports jacket or blazer

Adam Coulter, executive editor of Cruise Critic UK & Australia, recommends packing a sports jacket or blazer. "While cruise lines are getting more casual, what happens if you get that last-minute invite to meet the captain, or there's a meet and mingle where you want to look put together? A jacket will always elevate your elegance (even if you're wearing a T-shirt underneath)," he says. If you're in need of a travel blazer, Bluffworks has some well-rated options; the Gramercy , in particular, gets great reviews.

Themed party attire

Some cruise lines host themed voyages or parties on select nights where passengers can dress up to participate in the fun. You'll want to review your cruise itinerary before you go so you're prepared for the festivities. Bring your buccaneer gear if you're sailing aboard Disney Cruise Line; ships host fun events like Pirate Nights, pirate-themed dinners and a "Pirates in the Caribbean" show. On "The Love Boat"-themed cruises offered by Princess Cruises , pack your platform boots, glittery dresses, bell-bottom pants and halter tops for the line's 1970s-inspired disco party on the deck. No matter the theme, you can't go wrong with a couple of captain hats .

Travel wrap

A travel wrap is a versatile accessory that's useful for any trip – even more so on a cruise ship where it can get chilly when the sea breeze picks up. Available in nearly 10 different colors, J.Crew's Oversized Cashmere Wrap is a timeless staple, albeit a bit of an investment; for something less expensive but well rated, try this off-brand pashmina shawl on Amazon .

Packable jacket

Courtesy of Patagonia

If you're cruising to a cold weather destination such as Alaska, you'll need something heavier than a travel wrap, but not so bulky that it requires additional luggage. Consider a packable jacket that folds easily and compactly; travel experts highly recommend the Patagonia Nano Puff Jacket .

Packable hat

If you're headed to the Caribbean or another warm weather destination, you'll want a beach hat to protect your scalp and face from the sun. This packable straw hat by FURTALK (available on Amazon for about $25) is a stylish women's option that features a broader brim and offers UPF 50 sun protection.

Comfortable walking shoes

Courtesy of Allbirds

Even if you never step foot off the ship, there is still plenty of walking to do between bow and stern. Closed-toe shoes or sandals with straps are safer than flimsy flip-flops when boarding a slippery tender into port (if your ship can't dock directly). Check out our recommendations for the most comfortable walking shoes , which include the popular Allbirds Wool Runners and the ECCO Yucatan Sandals .

Water shoes

Depending on your scheduled shore excursions, you might also need a pair of water shoes. For something that's both functional and fashionable, Crocs' Classic Clogs are a good option. While not totally waterproof, the Native Jefferson is a water-friendly, versatile option.

Versatile heels

"Over the years, I've learned that the key to avoiding overpacking is to bring one neutral pair of low heels that match every single eveningwear outfit I've packed – from flowy pants to dresses," says Schildhouse, who loves her Rockport Tabitha 2-Strap Heeled Sandals . "They have a cushioned footbed and shock-absorbing heel so you can dance the night away in the club, and a 3-inch block heel with traction to keep you steady on your feet even if the ship's rocking a bit."

Reusable water bottle

A reusable water bottle is useful for filling up at water and beverage stations on your cruise ship; it's also a necessity for shore excursions.

Bathing suit

Pack a couple of swimsuits for the pools, hot tubs and any shore excursions.

Swim cover-up

Another must-have for your cruise packing list is a swimsuit cover-up or two. These are great for wearing over your bathing suit during days at sea, as well as on excursions – especially if you're going on a Caribbean cruise . Amazon sells a variety of stylish, affordable cover-ups, and you can never go wrong with a classic white button-down shirt .

Dry bags are useful for shore excursions where you're likely to get wet but don't want the same to be true for your phone, camera and other precious items. "I use the Outdoor Research Unisex Dry Isolation Pack   and have never had so much as a drop of moisture enter it, which is important for me – it keeps my cameras, documents and important items from getting wet," says Saunders, adding that it functions as a great everyday backpack when it's not raining.

If you need more than one dry bag, cruise expert Brittany Chrusciel recommends the Sea to Summit Lightweight Dry Bag Set . "Having these dry bags, in a variety of sizes, means I can bring all my gear along during a Zodiac cruise or snorkeling excursion without having to worry about it getting wet."

Waterproof phone case

A waterproof phone case is also essential, especially if you plan to take photos. The Hiearcool Waterproof Phone Pouches (available in a two-pack) come with a lanyard so you can both protect your phone and wear it around your neck. They are compatible with most smartphones.

"I like to bring collapsible pails, small shovels , inflatable beach toys, a floppy Frisbee or other things to entertain the kids on the beach if we're going to a private island or beach destination," says Silverstein. "If you can inflate your own inner tube, you don't need to rent a floating mat."

Beach towel

"Although cruise lines provide guests with towels to take off the ship on excursions, they are often bulky and sometimes small," explains Chrusciel. "The Surfer Towel folds up to nearly nothing, so it takes up almost no room in your suitcase and is super convenient to pack in a day bag. What's more, its quick-drying technology means that the lightweight fabric won't be soaking wet when you need to pack up for the day and head back to the ship."

Towel clips

"Even though giant plastic towel clips shaped like a flamingo are a bit cringey, they make it easy to find your spot in a sea of sun loungers," says Chrusciel. "They also solve a common cruise problem: keeping your towel securely fixed to your chair while reading or sunbathing."

Reef-safe sunscreen

Courtesy of Badger

When choosing a sunscreen, look for something that's reef-safe; not only are these sunscreens safer for the environment, but they're also better for you . The active ingredients in reef-safe sunscreens, also known as mineral sunscreens, are zinc oxide, titanium dioxide or a combination of both. Top-rated mineral sunscreen brands include Think , Badger and Raw Elements , all of which also sell lip balm with sunscreen (another essential at sea).

After-sun lotion

You'll want an extra dose of moisturizer if you've been basking in the sun. COOLA makes an after-sun body lotion that cools and hydrates the skin with aloe vera, agave and lavender oil. Previous buyers rave about this lotion, noting they appreciate that the scent isn't overpowering.

A good book

Sea days are the perfect time to kick back and relax with a book you've been meaning to read. Find an oceanfront lounge chair in a shaded area on the pool deck, or grab a cup of tea and settle into a quiet nook indoors. There's no need to pack more than one book, however, as many cruise ships have libraries.

What not to pack for a cruise

Power strip.

Many cruise lines do not permit power strips as they present a fire hazard, while others allow them as long as they are non-surge-protected. Instead of a power strip, purchase a portable charger such as this highly rated one by Anker , which can power up multiple devices at once. This can be especially useful for shore excursions. When packing for your cruise, also think about your luggage: If it has an included charging port, you may not even need to purchase an additional charging block.

Weapons and restraints

Firearms, handcuffs and the like are not permitted on cruise ships. This rule also includes toy guns on most cruise lines.

While most major cruise lines allow guests to pack a limited amount of wine or Champagne per person, they do not permit hard liquor. Of course, those of age can purchase cocktails at any of the bars on board.

Household appliances

Irons and steamers are not permitted on cruise ships, which is why the aforementioned garment bags, wrinkle release spray and packing cubes are recommended for keeping clothing tidy and neat. Coffee makers and mug warmers are also prohibited.

While you can technically bring you own, it's not necessary as hairdryers are available in every bathroom on most ships.

CBD and marijuana

CBD that's derived from hemp and contains 0.3% THC or less is legal at a federal level. However, each state interprets and enforces this law differently; for example, many states require a prescription for it. Due to the ambiguity of the laws, most cruise lines continue to ban CBD in any form.

Marijuana remains illegal under U.S. federal law, which means you cannot bring it on a cruise ship – even if you're legally able to purchase it in your home state for recreational or medical use.

Why Trust U.S. News Travel

For the U.S. News Cruise Packing List, travel writers Gwen Pratesi and Amanda Norcross tapped leading industry experts for their cruise essentials. They regularly update this checklist with new and useful items to pack.

You might also be interested in:

• The Best Cruise Lines
• The Best Adults-Only Cruises
• The Best All-Inclusive Cruises

Vacation Ideas for Every Traveler

Tags: Travel , Cruises , Travel Gear

World's Best Places To Visit

• # 1 South Island, New Zealand
• # 4 Bora Bora

If you make a purchase from our site, we may earn a commission. This does not affect the quality or independence of our editorial content.

You May Also Like

The 13 best key west tours of 2024.

Gwen Pratesi May 3, 2024

Swimming With Pigs in the Bahamas

Amanda Norcross May 2, 2024

The 15 Best Chicago Tours for 2024

John Rodwan May 1, 2024

The 10 Best Harry Potter Tours in London

Marisa Méndez April 30, 2024

12 Cheap Fourth of July Getaways

April 29, 2024

The Best Tours of Buckingham Palace

Laura French April 29, 2024

Flight Canceled or Delayed? What to Do

Amanda Norcross April 26, 2024

The Best Beach Hats

Megan Johnson and Sharael Kolberg April 26, 2024

The Best Florence Tours

John Rodwan April 25, 2024

The 9 Best Louisiana Swamp Tours of 2024

John Rodwan April 24, 2024