Loading, please wait...

Book Annual Cruise Travel Insurance from just *

At Holiday Extras, we want to make sure you purchase the travel insurance policy that's right for you, before you step aboard. If you plan to travel more than twice this year, a few savings can go a long way, especially if you're treating yourself to a few cruises. With this in mind, we've designed an annual cruise travel insurance policy that can be used for more than one holiday at sea!

Compare Annual Cruise Cover Levels

We have two levels of comprehensive cover available, our Silver and Gold policies. You can relax onboard knowing that risks specifically associated with a cruise are covered, including missed port departures and unused shore activities. To help you decide which level of cruise travel insurance is right for you please look at our table below, which illustrates the amount of cover available with each annual policy:

Cancellation cover
Medical cover
£5 million
£5 million
Baggage cover
Cabin confinement
Cruise itinerary change
Missed Port Departure
Unused Shore Excursions

What am I covered for with an Annual Cruise Policy?

If you purchase either a Silver or Gold policy you will be provided comprehensive cover for the following:

    Baggage and personal possessions - In the unfortunate event that your luggage gets lost in transit.

    Cruise itinerary change - If a scheduled port of call is cancelled due to adverse weather conditions, or time table restrictions.

    Unused excursions - So you don't have to face an empty pocket if you are unable to take part in pre-paid shore activities.

    Cabin confinement - Should an illness breakout onboard or you are admitted to the ship's hospital for emergency medical treatment.

    Missed port departure - If you miss the cruise ship departing because of something unexpected, we will help towards the cost of additional travel and accommodation so you make it to your ships next port of call.†

† These are subject to the appropriate circumstances, and terms and conditions being met as outlined in the policy wording (including providing the relevant documentation).

† † If you need to seek medical attention whilst abroad, please contact the 24-hour emergency assistance service for help and advice before treatment, where possible. There is a maximum age limit of 85 years with our annual cruise policies. Full details can be found in the policy wording.

Additional Gadget Cover for an Annual Policy

If you are you keen to stay in touch with family and friends while you're away, or would simply like to update your Instagram profile or Facebook status, then you may like to add optional Gadget cover to your policy. This added cover is beneficial if you're keen to insure your phone or laptop device in the unfortunate event that it is lost, damaged or stolen during your holiday.

At an extra premium you can add this protection to either your Silver or Gold Multi-Trip policy, giving you peace of mind and potentially saving you unnecessary worry - as well as money!

Our table below conveys the optional Gadget cover we have available:

Optional Cover 1
Optional Cover 2
Optional Cover 3
Damage, Theft or Loss
Single Item, Pair or Set
Unauthorised Usage

Booking your Annual Cruise Cover

Once you have decided which level of cover you require, making a booking with Holiday Extras is quick and easy. Please be aware that our UK-based call centre is on hand if you need any additional help.

To get a quote, or book your policy online simply click on the booking engine above and let us know where your exciting cruise is taking you. Don't forget to declare your pre-existing medical conditions by answering the questions accurately in the booking process which determine the conditions you need to declare. This way we can provide you with the appropriate cover to suit your particular needs.

Travel Insurance Reviews

If you buy travel insurance with Holiday Extras you can be assured comprehensive cover at a competitive price but don't just take our word for it, see what some of our cruise partner companies think of our service!

"Holiday Extras offer our guests cruise specific policies that give them peace of mind and confidence when booking their cruise"
Clive Jones | Senior Director | Guest Services | Prestige Cruise Holdings (Regent Seven Seas Cruises & Oceania Cruises)
"With Holiday Extra's dedicated Cruise insurance policy, our customers are able to be totally confident that they have high-quality insurance cover in place specifically designed for a cruise holiday at sea"
Jeremy Hatton | Head of Customer Services | Fred. Olsen Cruise Lines

Trustpilot Reviews

We have also been rated Excellent by Trustpilot. Check out our Trustpilot reviews to help you decide if booking a Cruise policy with Holiday Extras is the right decision for you.

Frequently Asked Questions

Is there a limit to how long my cruise can be with a Multi-Trip policy?

You can travel as many times as you like in a year with an annual cruise policy, provided that each trip does not exceed the maximum duration of 31 days per holiday.

Can I book annual cruise insurance if I have a medical condition?

Yes of course, but please ensure you answer all the medical questions accurately and declare all pre-existing medical conditions that you have to make sure you're fully covered for the journey. If you do not declare medical conditions when you're purchasing travel insurance, then your policy will be invalid.

Will I need to buy travel insurance if I'm going on a P&O cruise?

Yes, you will because P&O does not offer their own travel insurance, so you will need to take out sufficient cover whenever you book a P&O Cruise. Holiday Extras is P&O's preferred travel insurance provider!

Will I be covered for water sports with an annual cruise policy?

Yes, you will be covered for the water sports listed in your policy, whether onboard or during a shore excursion. This means you can scuba dive at your leisure, but if you're keen to enjoy more daring sports then simply contact us and we may be able to increase your level of cover with an additional activities pack for the extreme sports that you want to participate in.

Holiday Extras Cover Ltd is authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 is registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.

Holiday Extras Cover Ltd is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.