Does Holiday Annual Insurance Cover Cruise Ships? 🚢

Planning on taking a cruise?

Here are some things to consider to make sure your holiday annual insurance policy covers you.

Thinking of getting a holiday annual insurance policy?

Table of Contents

Does Holiday Annual Insurance Cover Cruise Ships?

Generally, most holiday annual insurance policies will cover cruise ships. You need to make sure that all the destinations visited, including excursions, are covered under the policy.

Selecting Your Holiday Annual Insurance Policy

If you haven’t bought your holiday annual insurance policy yet you need to ensure that all the countries and regions you are planning to visit are covered.

If you know the cruise itinerary already you can check this or even the cruising region of the world – USA, Caribbean, Mediterranean, Europe etc.

Amending Your Holiday Annual Insurance Policy

If you have already purchased your policy then you need to check that all the destinations you are visiting are covered by your insurance.

Most insurance companies will have details of all the individual countries that are covered.

You must ensure that the countries you are visiting on the cruise as part of a tour are covered as well, no matter how short the visit might be.

If you find that any of the countries you plan to visit are not covered you may be able to add these to your policy. Just get in touch with your insurer who will be able to advise you.

Length of Cruise

All holiday annual insurance policies will have some sort of limitation on the number of days allowed under the policy for each trip.

This might be 31 days, or it might be 24 days – it depends on the provider.

You need to check that the length of your cruise does not go beyond the time limit for your annual travel insurance policy.

Cruise Ship Activities and Excursions

I have already mentioned that you need to cover where your cruise ship is visiting. However, you also need to check that your travel insurance policy will cover all the activities you are going to take part in. This could be bungee jumping, white water rafting, safaris, or scuba diving – the list is long.

Your travel insurance provider will have a list of activities that are covered. They might already be in your policy documents.

Make sure anything you plan to do or might like to do is covered in your annual travel insurance policy.

Coverwise, my recommended annual travel insurance provider, has this helpful list of activities that will help give you some ideas (you will need to check your own policy for specific details though)

Sports and activities covered as standard Abseiling (when adequately supervised)*

Archery*
Badminton
Bamboo Rafting (up to grade 2 rivers only with adequate safety equipment provided)
Banana Boating
Baseball Basket
Ball Beach Games
Blowcarting*
Bouldering (using crash pads where appropriate)
Bowls
Bungee Jumping (when adequately supervised)
Camel Riding*
Canoeing (up to grade 2 rivers only)
Catamaran*
Clay Pigeon Shoot*
Climbing (on a climbing wall only)
Cricket
Cycling*
Deep Sea Fishing
Dinghy Sailing*
Dragon Boat racing (non-professional)*
Elephant riding/trekking (on a professionally organised trek with experienced handlers)
Fell Running
Fell Walking Fishing
Football/Soccer
Flying in an aircraft (as a fare-paying passenger)
Glass Bottom Boats/Bubbles Gliding (as a passenger only)
Go Karting (when adequately supervised)*
Golf
Gorilla Trekking (organised)
Gymnastics
Heptathlon
Hiking/Trekking/High level walking up to 3000 metres above sea level
Hitchhiking (organised groups of adults with support, emergency contacts and at least one male per group) in countries where this is legal
Horse Riding/Trekking/Hacking (non-competitive)
Hot Air Ballooning (organised pleasure rides)
Hydrospeeding (taking appropriate safety measures)
Hydro Zorbing Ice Skating
Indoor Climbing (on a climbing wall)
Indoor Skating (pads and helmets must be worn)
Javelin Throwing
Jet Boating (no cover for racing)*
Jet Skiing (no cover for racing)*
Jogging
Kayaking (up to grade 2 rivers)
Kite Buggying*
Kite Surfing (over land)*
Kite Surfing (over water)*
Marathon Running
Motor Cycling (with UK licence)*
Mountain Biking (except downhill and extreme terrain)*
Mountain Boarding (protective clothing to be worn)
Netball
Orienteering
Paint Balling/War Games (eye protection must be worn)*
Parasailing/Parascending (over water)
Passenger Sledge
Pony Trekking
Power Boating (non-competitive and no cover for damage to the vessel)*
Racing on foot
Racquetball
Rambling
Rap Running/Jumping (within organisations guidelines)*
Rifle Range*
Ringos
River Tubing
Roller Skating/Blading (pads and helmets must be worn)*
Rounders
Rowing (except racing)
Running
Safari In Vehicle (must be with a guide)
Safari On Foot (must be with a guide)
Safari On Horseback (must be with a guide)
Sail Boarding/Windsurfing*
Sailing*
Sand Yachting*
Scuba Diving – scuba diving (other than cave diving) to the following depths, when you hold the following qualifications and are diving under the direction of an accredited dive marshal, instructor or guide and within the guidelines of the relevant diving or training agency or organisation: PADI Open Water – 18 metres BSAC Ocean Diver – 20 metres PADI Advanced Open Water – 30 metres BSAC Sports Diver – 35 metres. If you do not hold a qualification, we will only cover you to dive to a depth of 18 metres provided you are with a qualified instructor
Sea Canoeing/Kayaking (within sight of land)
Shooting (within organisations guidelines)*
Skate Boarding (pads and helmet must be worn)*
Sledge Pulled By Horse/Reindeer
Small Bore Target Shooting*
Snorkelling
Soft Ball
Squash
Surfing*
Swimming
Sydney Harbour Bridge (organised and walking across clipped onto a safety line)
Table Tennis
Tennis
Tenpin Bowling
Tree Top Canopy Walking (with adequate safety measures in place)
Trekking/Walking/Hiking/High level walking up to 3,000 metres above sea level
Tug Of War
Via Ferrate
Volley Ball
Wakeboarding*
War Games (eye protection must be worn)*
Water Polo
Water Skiing*
White Water Rafting (within organisations guidelines)
Wicker Basket Tobogganing
Windsurfing*
Yachting*
Zip Trekking (safety harness fixed to ropes must be worn)
Zorbing (non-winter sports)

These are all the regular activities covered under a normal annual travel insurance policy without winter sports coverage.

Personal accident and personal liability cover does not apply to those activities with an asterisk.

Holiday Annual Insurance Cover and Cruise Ships Conclusion

Like all things insurance-related it really does pay to check the policy details and the small print.
Make sure the cruise destinations are covered (no matter how short the stop), the activities you are going to be taking part in and the length of the cruise is within the policy limits

What does annual holiday insurance cover?

7 Travel Insurance Essentials to make sure you are fully covered when you travel

Find more articles on my Annual Travel Insurance page

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