Princess Cruises Insurance
Come Back New — Properly Protected
From $99Founded
1965
Headquarters
Santa Clarita, CA
Ships in Fleet
15
Passengers/Ship
3,100
Price Range
Premium
Average Cruise Cost
$1,500–$5,000/person
Insurance From
From $99
Princess Cruises occupies a special place in American cruise culture as the original 'Love Boat' — the line whose partnership with the 1970s and 80s TV series introduced a generation of Americans to the idea of ocean cruising as an accessible, romantic, and genuinely enjoyable vacation. That legacy of warmth, sophistication, and personal connection still informs Princess's brand today, expressed through its MedallionClass technology — a wearable device that unlocks stateroom doors, enables onboard purchasing, tracks real-time location of family members, and allows passengers to order food and beverages delivered anywhere on the ship. It's a notably different approach to cruise technology than competitors, and it underscores Princess's commitment to personalized, seamless guest experiences.
Princess Cruises is particularly well-regarded for its premium expedition itineraries — Alaska glaciers, the Norwegian fjords, British Isles coastal routes, and world voyages that circle the globe over 100+ days. These are not the short Caribbean party cruises of the mass-market lines; Princess passengers tend to be experienced travelers seeking cultural depth, natural beauty, and destinations that require significant planning and expense. A 14-day Alaska cruise on Princess, with excursions in Glacier Bay, Denali, and Skagway, represents $3,000–$6,000 per person in non-refundable investment — and that's before airfare to Seattle or Vancouver.
The demographic that gravitates to Princess — experienced, often retired, frequently traveling as couples in their 50s, 60s, and 70s — also has specific insurance considerations. Pre-existing medical conditions become more common with age, making it essential to purchase insurance early in the booking process (typically within 14–21 days of the initial deposit) to qualify for pre-existing condition coverage waivers. Medical costs for cardiac or orthopedic events in remote ports are a real concern, and Princess's long itineraries in remote destinations make medical evacuation coverage particularly critical.
Why Princess Cruises Passengers Need Insurance
- ›Princess specializes in premium Alaska and world cruise itineraries where remote locations, expensive multi-week trips, and significant pre-cruise investments make comprehensive insurance essential
- ›Princess's core demographic of experienced travelers aged 55+ has higher statistical rates of pre-existing medical conditions — purchasing insurance within 14–21 days of booking is critical to qualify for pre-existing condition waivers
- ›MedallionClass wearable devices enable onboard purchasing that can add hundreds of dollars in non-refundable charges to the trip — total insured costs should include all onboard pre-purchases
- ›Princess world cruises (100+ days) represent some of the highest-value travel bookings in the industry, with cancellation costs potentially exceeding $30,000 per couple — CFAR coverage is strongly warranted
Recommended Coverage
- ✓Trip Cancellation (with pre-existing condition waiver — purchase within 14 days of deposit)
- ✓Emergency Medical ($150,000+ for Alaska and world cruise itineraries)
- ✓Medical Evacuation (unlimited or very high limits for remote itineraries)
- ✓Cancel For Any Reason (for world cruises and premium suite bookings)
Expert Tips for Princess Cruises Passengers
Tip 1:Princess passengers with any pre-existing medical conditions must purchase their insurance within 14–21 days of the initial deposit to qualify for the pre-existing condition exclusion waiver — this is one of the most important time-sensitive decisions in cruise insurance
Tip 2:For Princess Alaska itineraries, confirm that your policy covers the pre-cruise land portion (often Denali or Yukon) as well as the ocean segment — Princess's cruise tours combine land and sea components that may have different covered periods
Tip 3:World cruise insurance requires careful attention to policy duration — ensure your policy covers the entire voyage, typically 100–117 days, and confirm coverage applies globally, not just in specific regions
Compare Top Providers
Squaremouth
Comparison shopping — widest selection
Medical: Up to $500,000 | Evac: Up to $1,000,000
InsureMyTrip
First-time buyers needing guidance
Medical: Up to $500,000 | Evac: Up to $500,000
Allianz Travel
Brand-name reliability and global coverage
Medical: Up to $50,000 | Evac: Up to $500,000
Travel Guard (AIG)
Emergency evacuation and medical coverage
Medical: Up to $100,000 | Evac: Up to $1,000,000
Seven Corners
Seniors and travelers with health concerns
Medical: Up to $500,000 | Evac: Up to $1,000,000
Generali Global Assistance
Comprehensive all-in-one cruise protection
Medical: Up to $250,000 | Evac: Up to $1,000,000
Berkshire Hathaway TP
Luxury cruises and high-value trips
Medical: Up to $100,000 | Evac: Up to $1,000,000
Princess Cruises Insurance FAQs
What is MedallionClass and does it affect my travel insurance needs?▾
Are Princess Alaska cruise tours (land and sea packages) covered by insurance?▾
How do I handle pre-existing conditions when booking a Princess cruise?▾
Does travel insurance cover a Princess world cruise cancellation?▾
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