Cruise insurance over 65: Find out why getting the right cover is vital

By , April 19, 2012 3:15 pm
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Despite recent accidents, cruise holidays are continuing to grow in popularity amongst UK holiday makers, particularly those over 65. If you are over 65 a cruise gives you the ability to explore a number of exiting destinations at a relaxing pace.

Cruise Ship Ruby Princess and Grand Turk by marhargen, on Flickr

Cruise insurance is vital on all cruise holidays

Make sure cruise holidays are covered by your travel insurance over 65

If you are going on a cruise holiday you need to make sure that your travel insurance provides cover for cruises. Some travel insurance policies provide cruise insurance as standard, other do not so it’s important to check.

In many cases travel insurance policies will exclude cruises from their standard cover, but offer cruise insurance as an optional extra.

Make sure you read the terms and conditions of your travel insurance to make sure that you have appropriate cover for your cruise holiday.

If you are going on a cruise, cruise travel insurance is vital for a number of reasons;

Cruise insurance: Medical and repatriation cover including airlifting from the ship

Firstly and most importantly you need cruise insurance to provide cover for emergency medical treatment and repatriation whilst you are on your cruise, particularly if you are over 65.  As with standard travel insurance, cruise insurance will need to provide cover for emergency medical and repatriation expenses if you fall ill or are injured on your cruise.  Cruise insurance will ensure that you have cover to be airlifted from the cruise ship to the nearest suitable hospital on land if necessary.

Cruise insurance: Make sure the cancellation cover is enough

Secondly, cruise holidays can be expensive, so you will want to make sure that your cruise insurance over 65 provides adequate cancellation cover for your cruise.

The cancellation section of a cruise insurance policy provides cover up to the amount stated in the policy in the event that you need to cancel your cruise holiday due to illness, redundancy, you are called for jury service or your home becomes uninhabitable.

If your cruise travel insurance only provides cancellation cover for up to £1000 per person, but your cruise cost £2000 per person you could find yourself out of pocket if you need to make a claim.

Compare the level of cancellation cover in the cruise insurance to the cost of your cruise holiday and make sure the cruise insurance policy that you choose provides enough cover.

The cancellation element of cruise insurance is particularly important if you book your cruise a long time in advance, you never know what is around the corner so it is worth taking the time to make sure that your cruise insurance provides the cover you need.

Cruise insurance over 65 with cover for medical conditions

If you are over 65 and have pre-existing medical conditions it is important that you declare these when you get a quote for cruise insurance. Unfortunately it is a fact of life that if you are over 65 you are more likely to have medical conditions, so it is important that you have cruise travel insurance cover for these.  Many minor medical conditions won’t increase your cruise insurance premium, but they need to be declared to your insurer otherwise you could find that you are not covered.

Cruise insurance from

Over sixty five travel insurance work with who include cruise insurance as standard on all their travel insurance policies. has no age limits, so over 65 cruise insurance is not a problem.  Wherever you choose to buy your cruise insurance from remember to check the cruise insurance cover carefully to make sure it is suitable for you and your holiday.

Get a quote for cruise insurance from

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