CruiseCover.net

Couples Cruise Insurance

From $149Avg trip: $2,400–$8,000/couple
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Cruises are one of the most popular choices for honeymoons and milestone anniversaries — and they represent some of the most expensive vacations couples will ever take. A luxury Mediterranean or Caribbean cruise for two, including flights and pre-cruise hotel stays, can easily reach $8,000 to $15,000. That level of financial commitment makes cruise insurance not just sensible but arguably essential. When one partner gets sick or injured, the couple almost always cancels together, meaning the full trip cost is at risk from a single health event.

For honeymoons in particular, cancel for any reason (CFAR) coverage deserves serious consideration. Standard trip cancellation only pays out for specific covered events — illness, injury, death of a family member, or job loss. CFAR coverage lets you cancel for literally any reason and receive typically 75% of your non-refundable costs back. Wedding stress, cold feet, unexpected family drama — none of these qualify under standard cancellation, but CFAR removes the guesswork and protects the investment regardless of circumstances.

Top Concerns for Couples

  • !One partner's illness or injury effectively cancels the trip for both people
  • !High trip costs for honeymoons and anniversary cruises mean significant financial exposure
  • !European and destination ports have unpredictable medical care quality and cost
  • !Wedding events and family obligations can create cancellation situations standard policies don't cover
  • !Nonrefundable deposits and cabin bookings can lock in thousands before you realize the risk

Recommended Coverage

  • ✓Trip cancellation and interruption coverage for the full cost of both travelers
  • ✓Cancel For Any Reason upgrade — especially important for honeymoon cruises
  • ✓Emergency medical coverage of at least $100,000 per person
  • ✓Medical evacuation coverage of at least $250,000 per person
  • ✓Baggage and valuables protection — many couples travel with engagement rings, jewelry, and gifts

Expert Tips for Couples

Tip 1:If this is a honeymoon, buy CFAR coverage within 14 days of your initial deposit. Pre-wedding stress can cause any number of legitimate reasons to delay or cancel that standard policies simply won't cover.

Tip 2:Insure the full non-refundable cost, including pre-cruise hotel nights, flights booked specifically for this trip, and any excursions you've prepaid.

Tip 3:Consider a "hazardous activities" endorsement if you plan on adventure excursions — many base policies exclude scuba diving, zip-lining, and similar activities.

Compare Top Providers

SQ
From $89

Squaremouth

Comparison shopping — widest selection

Medical: Up to $500,000 | Evac: Up to $1,000,000

★★★★4.9 (54,306)
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IMT
From $79

InsureMyTrip

First-time buyers needing guidance

Medical: Up to $500,000 | Evac: Up to $500,000

★★★★4.8 (28,000)
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AZ
From $99

Allianz Travel

Brand-name reliability and global coverage

Medical: Up to $50,000 | Evac: Up to $500,000

★★★★4.7 (95,000)
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TG
From $109

Travel Guard (AIG)

Emergency evacuation and medical coverage

Medical: Up to $100,000 | Evac: Up to $1,000,000

★★★★4.7 (42,000)
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7C
From $85

Seven Corners

Seniors and travelers with health concerns

Medical: Up to $500,000 | Evac: Up to $1,000,000

★★★★4.6 (18,000)
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GG
From $79

Generali Global Assistance

Comprehensive all-in-one cruise protection

Medical: Up to $250,000 | Evac: Up to $1,000,000

★★★★4.5 (22,000)
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BH
From $95

Berkshire Hathaway TP

Luxury cruises and high-value trips

Medical: Up to $100,000 | Evac: Up to $1,000,000

★★★★4.6 (31,000)
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Couples Cruise Insurance FAQs

Do both people in a couple need to be on the same policy?▾
Not necessarily, but it is usually simpler and more cost-effective to purchase a joint policy covering both travelers. The main practical benefit is that each person's covered events apply to the whole policy — if one partner is too sick to travel, both can cancel and claim. Separate policies can sometimes create gaps where the healthy partner has no cancellation benefit.
What does Cancel For Any Reason cover that standard cancellation doesn't?▾
Standard trip cancellation covers specific listed events — illness, injury, death, job loss, weather emergencies, and similar documented situations. Cancel For Any Reason allows you to cancel for any reason at all, including personal decisions, cold feet, family drama, or unexpected obligations. CFAR typically reimburses 75% of your non-refundable trip costs and must be purchased within a short window after your initial deposit (usually 14 to 21 days).
Can we insure prepaid excursions and shore experiences?▾
Yes. Most cruise insurance policies allow you to include the cost of prepaid excursions, shore tours, and onboard packages in the total insured trip cost. Make sure to declare these costs accurately when purchasing the policy so the full amount is covered in the event of cancellation.
What if one of us has a medical emergency mid-cruise?▾
Emergency medical and medical evacuation benefits will apply. The sick or injured traveler receives medical care and, if necessary, evacuation to an appropriate facility. Trip interruption coverage typically reimburses the non-refundable cost of the remaining cruise days and transportation costs for both the patient and their traveling companion to return home.
Is travel delay coverage worth adding for a honeymoon?▾
For a once-in-a-lifetime trip, yes. Travel delay coverage reimburses additional accommodation, meals, and transportation costs if a delay causes you to miss your cruise departure. On a honeymoon, missing embarkation day because of a flight delay is particularly painful — delay coverage can reimburse you for joining the ship at the next port and cover costs in between.

Find the Right Coverage for Couples

Compare plans from top-rated insurers. Coverage starts from $149.

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