Travel Insurance

Most general travel insurance policies don’t cover cruises and will include a general exclusion such as “this policy will not cover you for any loss, damage, cost or expense directly or indirectly caused by any trip on sea-going cruise ships.”

Cruise cover is important for guests to have because it makes sure all sections of the travel insurance policy are operative while on a cruise holiday.

At Holiday Extras, our cruise cover will also extend to include specific cruise benefits such as:

- Missed port benefit, paid on a per port basis, usually to a maximum limit

- Cabin confinement benefit, paid on a per day basis up to a maximum limit

- Missed excursion cover in the event that you are confined to your cabin and unable to participate in a pre-booked excursion

- Additional personal effects and baggage to supplement the limit under the standard policy cover

- Evening wear cover.

If you’ve bought insurance through Holiday Extras and need to cancel your trip, you’ll be able to move your policy to another date or cancel your policy. If you cancel during your policy's initial 14-day cooling off period, you'll be eligible for a full refund, providing you haven't travelled or intend to make a claim. Cancellations outside of the 14-day cooling off period won't be eligible for a refund but discretion may be applied depending on your circumstances.

If you test positive for COVID-19* on board your cruise and require medical assistance, you will be covered under the policy and an appropriate treatment plan would be agreed between the ship’s medical team and the insurer’s medical assistance team. This may depend on a large number of factors including age, underlying health, geographic location and severity of COVID-19 symptoms.

Please note that if you are disembarked at the insistence of any port authority or other such authority, without consultation with the insurer or against the recommendation of the insurer’s medical assistance team, then Holiday Extras will not cover for this eventuality. However, in those circumstances, P&O Cruises will organise and pay for your isolation stay and journey home. For further information, please click here.

*as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19.

Holiday Extras has over 30 years’ experience selling travel insurance. We are proud to be featured in the FCA-approved Money Advice Service travel insurance directory and have won best insurance provider at the Travel Weekly Globe awards for the past 12 years running. We also have an excellent rating on Trustpilot. We have developed our specifically-tailored Cruise Insurance product in conjunction with all the largest cruise lines, offering COVID-19 cover as standard on all policies, with no upper age limit on single trip policies.

I was fortunate enough to sail on P&O Cruises ship, Britannia , a few years ago, sailing through the Norwegian Fjords and visiting several towns along the way, including Bergen, Flam and Stavanger. It was a truly unforgettable experience I would recommend to anyone of any age. I saw and experienced so much (including kayaking in a stunning bay and taking a speedboat tour to the set of the TV show Vikings!), there’s just nothing else like it. On board I ate like a king, made new friends and was never at a loose end. My holiday was both relaxing and exciting in equal parts.