Cruise Insurance 2022

Cruise ship holidays have become more and more popular with people of all ages. To protect yourself against travel risks associated with cruise travel, you are better off getting cruise cover. To get the best deal on cruise insurance, you will need to shop around and compare quotes carefully.


MoneySmart has put together some cruise insurance recommendations for you, saving you from scrolling through different websites to find the best cruise insurance.

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Best cruise insurance 2022

Up to HK$1,000,000 overseas medical coverage and HK$25,000 trip cancellation
Medical expenses up to HK$500,000 including in and outpatient treatment
Up to HK$1,500,000 overseas medical coverage and HK$50,000 trip cancellation

Compare moretravel insurance for your next adventure!

MoneySmart helps you compare the premium and coverage of different travel insurance plans, so you can easily find the best travel insurance for your next trip!

Cruise Insurance FAQ

How to purchase cruise insurance?

You are required to purchase your travel insurance based on the destination of your cruise trip. For example, if the destination is Sanya, you can purchase Blue Cross Travel Smart China Plan or Cruise Plan. If the cruise won’t enter the borders of China, you can get the Blue Cross Travel Smart China Plan, but you need to enter from Hong Kong upon return.

Can I buy two travel insurances and claim against both policies?

You can’t claim against both policies within the same insurance provider. It will usually just provide the highest coverage among all your policies.

What is the difference between cruise insurance and regular travel insurance?

Cruise covers are different from the standard travel insurance policies as cruise trips may tend to last longer than a normal holiday and it spans across several countries, therefore the premium is usually much higher.

What should I look out for when purchasing travel insurance for my cruise trip?

A good cruise insurance policy should cover cabin confinement, missed port departure, unused excursions, cruise interruption, emergency medical treatment, lost and stolen luggage, cancellation and curtailment, itinerary change and activities. Check out if your cruise insurance covers these necessary items.