What happens if I don’t declare pre-existing medical conditions?

You run the risk of not being fully covered and having to pay for medical treatment which can be extremely costly. Emergency medical treatment can even be refused if you do not have the correct insurance, this includes failing to declare pre-existing conditions.

If I cancel my holiday, will I get my money back?

If you cancel your holiday, the cancellation policy in our Booking Conditions applies. If you are cancelling due to a medical reason and you have declared the medical condition, your insurer should refund any monies paid less the relevant policy excess.

Cruise Travel Insurance

Already booked with us? Now it’s time to arrange your travel insurance.

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Suitable travel insurance cover is mandatory to travel with us

We’re delighted that you’ve chosen to set sail with us and we cannot wait to welcome you on board. Before we get there, it is mandatory for all UK guests to have suitable cruise travel insurance cover in order to sail with us. To help you understand the insurance requirements needed for a P&O Cruises holiday, read on…

Why is cruise travel insurance important?

For many significant purchases in your life, insurance is essential. And holidays are no different. Travel insurance ensures you can relax and enjoy your holiday with peace of mind that you’re covered in the event something should go wrong. This includes unforeseen incidents before your holiday, while travelling or while you’re away.

Our checklist for choosing the right level of cruise insurance cover

✔ Ensure your insurance covers a cruise holiday

✔ Covers the full length of the trip

✔ Includes all destinations - choose worldwide cover if unsure

✔ Includes medical and repatriation cover of £2 million minimum

✔ You'll need to declare any pre-existing medical conditions

✔ We would also recommend that you have adequate cancellation cover to cover the cost of your trip

Going on more than one holiday this year? Look into annual or multi-trip policies.

Your cruise holiday with us

It is your responsibility to ensure you have appropriate cover in place for the duration of your holiday. Unfortunately you will be denied boarding, at your own expense, if you’re unable to confirm you have arranged insurance.

You may be asked for proof of your cruise travel insurance so please be sure to bring either a printed or digital copy of your insurance documentation that confirms cover for the named travellers over the dates of travel.

We’ve partnered with Holiday Extras to offer cover for our holidays

Holiday Extras offer cruise-specific travel insurance policies – perfect for your next holiday. One of the key benefits is that this cruise-specific cover includes things most travel insurance policies don’t cover as standard, such as missed ports, missed shore experiences and cabin confinement. Holiday Extras offer three levels of cover to choose from: bronze, silver and gold.

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Pre-existing Medical Conditions

Tailored options are also available from Holiday Extras should you have pre-existing medical conditions.

To find out more, visit the Holiday Extras website or phone 0333 038 9766 and quote PAOHX.

Get a quote

 P&O Cruises Discount

Holiday Extras offers a 10% discount on travel insurance for Caribbean, Baltic, and Ligurian tier members of the Peninsular Club. This discount on cruise travel insurance applies only to the bespoke cruise insurance policy for P&O Cruises. It cannot be extended to non-qualifying friends or family and may be withdrawn or changed without notice. Conditions and availability apply. For policy details or more information, call 0333 038 9766 and quote reference WC668 with your membership number.

Q&A with Holiday Extras

We know that cruising in the current times can come with lots of different questions, so we thought we’d ask them for you. Leanne Verges, Senior Partnerships Manager for Holiday Extras Travel Insurance, has provided answers to the most commonly asked questions about the company's cruise cover insurance policies.

Many general travel insurance policies don’t cover cruises and 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 that 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 unless you need to make a claim for cancellation in the event that any of your holiday costs are not reimbursed.. Your policy features a 14 day cooling off period. If you cancel during this time you will be eligible for a full refund, providing you have not travelled or intend to make a claim. Cancellations outside the 14 day cooling off period will not be eligible for a refund, but discretion may be applied depending on your circumstances

With nearly 40 years of experience in selling travel insurance, an annual sale of half a million policies, and a consistent winning streak as the recipient of the Globe Travel industry Best Insurance Provider award we've certainly accumulated a wealth of insurance knowledge. Additionally, our excellent Trustpilot rating attests to our commitment to customer satisfaction.

Holiday Extras has worked in close partnership with leading cruise lines to create our Cruise Insurance product. Our tailored offering includes COVID-19 cover as a standard feature on all policies. Furthermore, we've eliminated any upper age limit for single-trip policies, ensuring that travellers of all ages can benefit from our policies.

I adore cruise holidays for numerous reasons, mainly due to the incredible variety of experiences they offer. Waking up in a new port each day and exploring diverse destinations, from bustling cities to serene beaches, is an absolute joy. We often travel with friends and cruising provides abundant entertainment options that cater to all ages and interests. We particularly enjoy the exquisite range of Broadway-style shows, and as foodies, on board fine dining is an experience we cherish.

Frequently Asked Questions

You will need to look into the level of cover your travel insurance provides. Some bank accounts include travel insurance but the policies often offer limited amounts of cover. Standard travel insurance is generally meant for a land-based holiday and as such, won’t cover many of the elements of a cruise holiday. A cruise holiday requires more specialist cover, for example if there was a need to be medically evacuated at sea. The most important thing is to make sure you’ve told your insurer you are going on a cruise holiday.