Cruise Travel Insurance

Atlas Travel Insurance


Customizable travel medical insurance for single trips.



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Next time you travel the high seas, don’t forget to “pack” cruise travel insurance. From common ship-board illnesses to injuries incurred on an island adventure, you can rest assured HCCMIS® will be there to help you navigate through unfamiliar territory. Support for dental issues is also included in cruise travel insurance, so don’t leave your policy on the mainland.

Why Buy Cruise Travel Insurance?

As you prepare for your cruise, it is important to know that most of the gastrointestinal disease outbreaks on cruise ships come from food or water consumed while on the ship. Cruise travel insurance will allow you the ability to seek medical treatment for an unexpected bout with food poisoning.

  • As you embark on land from this ship to seek activities to fill your days, cruise travel insurance offers coverage for emergency room visits should you be injured.
  • Cruise ships frequently report passenger problems with injuries and dental emergencies. Cruise travel insurance covers up to $250 for the acute onset of dental pain and coverage up to your overall maximum limit for a dental accident.

Who Needs Cruise Travel Insurance?

  • Young adults taking a break from college or work
  • Families with children who know the value of all-inclusive travel
  • Early retirees taking advantage of winter cruise deals

Compare Cruise Travel Insurance Policies

Covered Benefits Provided With Atlas Travel® Atlas Travel® Competitors
Guaranteed Acceptance Yes: Medical underwriting is not required for eligible individuals. See the Description of Coverage for full eligibility. Yes. Some companies offer guaranteed issue policies.
Coverage for pre-existing conditions (excludes chronic and congenital conditions) Limited: Up to medical coverage maximum lifetime for eligible medical expenses for the acute onset of a pre-existing condition. See the Description of Coverage for more details. Coverage Varies. Some companies offer non-U.S. citizens no coverage or very little coverage for pre-existing conditions and coverage amounts can be as little as $2,500.
100% coverage for accidents and injuries outside the U.S. Yes: We will pay 100% of eligible medical expenses after the deductible, up to the overall maximum limit of the policy. See the Description of Coverage for more details. Coverage Varies. Some companies expect members to pay coinsurance outside the U.S. even when using their PPO network
100% coverage for accidents and injuries inside the PPO Yes: For eligible expenses within the PPO Network. See the Description of Coverage for more details. Coverage Varies. Some companies expect members to pay coinsurance even within the PPO.
Sports coverage at no additional charge Yes: Coverage for eligible injuries or illnesses related to sports activities. See the Description of Coverage for limitations. No. Up to 20% additional cost to add coverage for sports
Emergency medical evacuations available 24/7 Yes, up to $1,000,000 regardless of policy maximum Yes, but coverage amounts for medical evacuation are much lower.
Complete online enrollment capabilities & immediate fulfillment Yes: Selecting 'Yes' to online fulfillment when purchasing will ensure your policy information will be available to print once your application has been processed and your credit card approved Varies.
Crisis response benefit Yes: $10,000 certificate period maximum covering losses resulting from kidnapping or express kidnapping. No. Competitor travel medical plans do not include a crisis response benefit.
Personal liability benefit Yes: $10,000 lifetime maximum covering losses due to a third-party injury or damage/loss of third-party personal property or related-third-party personal property. This benefit applies only for court-entered eligible judgments or approved settlements. No. Competitor travel medical plans do not include a personal liability benefit.

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Cruise Travel Insurance Tips

It appears that a getaway on the open water is steadily gaining in popularity. According to the U.S. Department of Transportation, the number of passenger nights booked on North American cruises hit a record high in 2011, with 18.2 million passenger nights. It is important to take precautions to stay healthy when venturing on a cruise.¹ Here are five tips for a healthy journey:

5 tips for a healthy cruise

1. Wash Your Hands

Sometimes people need to be reminded of the obvious. Washing your hands is arguably the most effective safety precaution that can be taken by people on a cruise – or anywhere. Washing your hands with warm water and soap does not actually kill potentially harmful microbes, but it can reduce their number to a relatively safe level. Antibacterial soaps and alcohol-based lotions are more effective at eliminating microorganisms, which can spread quickly aboard cruise vessels.

2. Eat well and drink plenty of fluids

Good nutrition helps to maintain a strong immune system and can significantly improve the healing process. In fact, poor nutrition has been found to delay the healing process tenfold. Consuming sufficient quantities of protein, fat, carbohydrates, vitamins, and minerals is essential for maintaining good health on a cruise. It also is important to drink plenty of water, which is the nectar of life. Drinking too little water dehydrates the body, leading to symptoms such as fatigue, dizziness and even seizures. According to the Center for Disease Control and Prevention, most U.S. citizens go on cruises to relatively warm parts of the world, such as the Caribbean and Mediterranean. Excessive exposure to strong sunlight can rapidly dehydrate the body, putting it at greater risk of injury or illness.
stats around cruise trips
3. Avoid sick passengers

Influenza and gastrointestinal conditions can spread quickly among passengers. It is always best to take precautions to avoid contact with people who are visibly ill.

4. Do not drink too much alcohol

Research suggests alcohol can substantially diminish the human immune system by suppressing important immune responses that are necessary for fending off pathogens. Alcohol can also result in dehydration and injury, the latter of which accounts for up to 18 percent of all medical visits aboard cruise ships.

5. Visit the doctor and dentist before a trip

The Centers for Disease Control and Prevention claims dental problems requiring urgent treatment are not uncommon on cruises. In many cases, medical evacuation to the nearest suitable hospital is required, which is why it is important for all passengers to have sufficient travel medical insurance. Many illnesses on-board cruise vessels can be avoided if passengers visit their doctors and dentists before setting sail. Vaccinations can be administered several weeks before a cruise.

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¹ Slaten, Douglas D. and Mitruka, Karen, “Cruise Ship Travel”, Centers for Disease Control and Prevention, (Accessed August 11, 2011); “Hand Washing: Reducing the Risk of Common Infections”, Canadian Centre for Occupational Health and Safety, (Accessed August 11, 2011); Vorvick MD, Linda J., “Dehydration”, U.S. National Library of Medicine,, August 8, 2009; Calderdale and Huudersfield, “Nutrition and Hydration”, Joint Web-Formulary,,_doc_files_etc/APC/Wound_Formulary_2ndEdn/8_Nutrition.pdf, (Accessed August 11, 2011); Roselle, Gary A., “Alcohol and the Immune System,” CBS Interactive Business Network,, 1992. ² “Traveler’s Health”, Centers for Disease Control and Prevention,,(Accessed June 30, 2011).

Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. We are regulated by the State of Indiana in our capacity as Third Party Administrator. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by Tokio Marine HCC – International Group.