Am I covered for a Cruise (including a UK 'Cruise to nowhere' or 'Coastal Cruise')?
Yes, all our policies include up to £15 million of cover for on board emergency medical costs including the costs of repatriation (emergency evacuation) where medically necessary. This applies for all cruises including a UK 'Cruise to nowhere'* or a UK 'Coastal Cruise'**
All normal cover included in your policy also applies including cover for cancellation, curtailment, baggage and more, please refer to the schedule of benefits and the terms found in your policy wording for further information for your chosen cover level. Please note we also offer an optional 'Cruise Cover' add on which provides additional cover including Unused Excursions cover, Missed Port cover and Confinement To Cabin cover, if you have already purchased your policy and would like to add this cover please visit your Customer Zone to add (subject to terms and additional premium).
We understand that some cruise lines require proof of this cover so we have issued a confirmation of cover letter as follows:
* A 'Cruise to nowhere' is a cruise that departs from and returns to a UK port without calling at any additional ports. Cover is in force from the time you leave port in the UK to the time you return to port in the UK. This cover stems from the insured person being outside their Home Area while at sea as the territorial waters around the UK do not form part of the Home Area definition within our policy wording.
** A 'Coastal Cruise' is a cruise that departs from and returns to a UK port stopping at one or more UK ports. Cover is in force while at sea, from the time you leave one port to the time you disembark at the next, limited cover applies while on land in the UK. This cover stems from the insured person being outside their Home Area while at sea as the territorial waters around the UK do not form part of the Home Area definition within our policy wording.
I need help understanding travel restrictions and requirements
Our COVID Clear Hub - helping to provide travel clarity resource helps ensure our customers have the most up to date information on travel rules, restrictions, and requirements around the world.
This includes our Travel Restrictions and Requirements tool which allows you to see the latest travel restrictions and requirements both for your destination and on return home all in one place, no need to look up multiple sites to the find the answers you need or the forms that are required. Once you select your destination in the tool you will see further information including Entry, Quarantine, Testing, Forms and Health Insurance Requirements. In many cases it also includes Local Regulations, Face Coverings, Social Distancing and Local Health Advice. The service is updated on a daily basis as requirements change and we recommend all customers review the information both prior to departure from the UK and prior to your return trip.