CruiseCover.net

Solo Cruise Insurance

From $99Avg trip: $1,500–$5,000/person
🛡️AM Best A-Rated providers✓7 US insurers compared🔒No sign-up required⚡Instant results

Solo cruising has grown dramatically in recent years, with major cruise lines adding more single-occupancy cabins and reducing the punishing solo supplement that used to price out solo travelers. But traveling alone introduces risks that couples and families don't face. In a medical emergency, there is no travel companion to advocate for you, communicate with medical staff, or handle logistics while you are incapacitated. For a solo traveler, comprehensive insurance isn't just about financial protection — it's about having a support structure when you're on your own.

The financial stakes are also different for solo cruisers. The solo supplement — sometimes 50% to 100% more than the per-person cost for a double cabin — is often non-refundable. Cancel For Any Reason coverage matters more for solo travelers because the standard covered reasons (illness, injury, family death) must affect you personally — there's no traveling companion whose emergency triggers your cancellation benefit. Some solo travelers also book cruises specifically for social connection, making a forced cancellation feel doubly expensive.

Top Concerns for Solo Travelers

  • !No travel companion to assist in a medical emergency or advocate with foreign medical staff
  • !Non-refundable solo cabin supplements add significant extra cost that must be insured
  • !Standard cancellation covered reasons don't account for the solo traveler's unique situation
  • !Lack of companion means cancel for any reason coverage is often more valuable
  • !Solo female traveler safety considerations in certain ports and destinations

Recommended Coverage

  • ✓Emergency medical coverage of at least $100,000
  • ✓Medical evacuation coverage of at least $250,000
  • ✓Trip cancellation and interruption for the full solo trip cost including supplements
  • ✓Cancel For Any Reason upgrade for flexibility in uncertain situations
  • ✓24/7 assistance services — a critical benefit for solo travelers with no companion support

Expert Tips for Solo Travelers

Tip 1:Prioritize policies with robust 24/7 emergency assistance lines — this is your support system when traveling alone. A good assistance team can coordinate medical care, translation, and logistics when you cannot do so yourself.

Tip 2:Insure the full non-refundable cost including the solo supplement, even if it feels painful. The supplement is often the biggest non-refundable cost on a solo booking.

Tip 3:Consider "non-medical evacuation" coverage if traveling to politically unstable regions. Standard evacuation covers medical emergencies — non-medical evacuation covers security threats and civil unrest.

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)
Get a Quote
IMT
From $79

InsureMyTrip

First-time buyers needing guidance

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

★★★★4.8 (28,000)
Get a Quote
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)
Get a Quote
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)
Get a Quote
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)
Get a Quote
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)
Get a Quote
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)
Get a Quote

Solo Travelers Cruise Insurance FAQs

What happens if I have a medical emergency with no travel companion on board?▾
This is precisely where the 24/7 emergency assistance service that comes with most cruise insurance policies becomes critical. Insurers with strong assistance programs can coordinate your medical care, communicate with your emergency contacts at home, arrange interpreters, and handle the logistics of evacuation or return. Before buying, ask specifically about assistance services and whether they provide a dedicated case manager for complex situations.
Is the solo supplement covered if I have to cancel?▾
Yes — as long as you insure the full non-refundable trip cost, which should include the solo supplement. When you declare your total trip cost at purchase, include every non-refundable component: cabin cost, supplement, prepaid excursions, and any non-refundable flights booked specifically for the trip.
Is Cancel For Any Reason worth it for solo travelers?▾
For many solo travelers, yes. Standard cancellation only pays when a specific covered event occurs — your illness, your injury, or the death of a close family member. As a solo traveler, there are no traveling companions whose emergencies trigger your benefit. CFAR gives you maximum flexibility and is particularly valuable if your personal or work situation is unpredictable.
What is "cancel due to work" coverage and do I need it?▾
Some policies include job loss or work-related cancellation as a covered reason — for example, if you are unexpectedly required to work the dates of your trip or if you are laid off. This is worth checking if your employment situation could change. It is not CFAR, but it covers a scenario that affects many solo professionals who book trips without a companion to share the financial risk.
Can I add coverage after I've booked but before I sail?▾
Yes, you can purchase cruise insurance any time before departure. However, waiting means you may lose key benefits. Pre-existing condition waivers and CFAR upgrades typically must be purchased within 14 to 21 days of your initial deposit. If you buy later, you will still get basic medical and cancellation coverage, but the optional enhancements may no longer be available.

Find the Right Coverage for Solo Travelers

Compare plans from top-rated insurers. Coverage starts from $99.

Get a Quote