Cruise Travel Medical Insurance

Atlas Travel Insurance


Customizable travel medical insurance for single trips.



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If you’re planning to take to the sea, remember to pack your cruise travel medical insurance. From common shipboard illnesses that sweep through the cabins to injuries sustained on island expeditions, there are numerous misadventures which can bring your good time to a grinding halt.

One way to prepare for such mishaps is to purchase cruise travel medical insurance. This type of insurance can provide medical coverage for unexpected illnesses and injuries incurred as you navigate unfamiliar territory abroad.

Why do I need cruise travel medical insurance?

While a cruise can be one of the most enchanting means of seeing the world, it’s important to understand and prepare for the potential risks involved. Here are just a few of the reasons why you may need cruise travel medical insurance:

  • Cruise ships can be hotbeds of gastrointestinal illness. In 2016 alone, the Centers for Disease Control and Prevention (CDC) reported 13 separate gastrointestinal outbreaks on cruise ships. If your illness requires you to be admitted to an on-shore hospital, a cruise travel medical policy can cover your hospital room and board as well as other eligible medical expenses.

  • Recreational activities in unfamiliar territory can result in injury. As you explore each port, you’ll likely want to participate in activities such as hiking, rock climbing, or beach volleyball. If you are injured while taking part in a *covered recreational sport or activity and the injury results in hospitalization, cruise travel medical insurance can cover eligible medical costs.

  • Your home country health insurance may not cover you in international waters – or it may provide very limited international coverage. If you do not have applicable health coverage as you travel outside of your home country, you may find yourself solely responsible for out-of-pocket medical expenses that could stem from an unexpected illness or injury.

    Travel medical insurance, on the other hand, can provide you access to quality care and financial help if the unexpected occurs as you travel the world by sea. The CDC recommends travel medical insurance to nearly all individuals traveling on a global scale.

*See page 18 of the Atlas Travel Description of Coverage to learn more about sports and activities and their benefits and exclusions.

What should cruise travel medical insurance cover?

Due to the possibility of contracting an illness while aboard the ship, cruise travel insurance should include benefits for medical expenses incurred in international waters and abroad. A quality cruise travel medical policy should also cover expenses resulting from travel mishaps, weather delays, and unexpected death.

Here are just a few common cruise travel situations that could result in unexpected expenses – and the insurance benefits that cover them!

  1. You become seriously ill while onboard and the ship’s medical facility cannot provide the medically necessary treatment.

    While many illnesses seen in cruise ship medical facilities can be treated onboard, passengers with more serious injuries and illnesses may need to be transported to on-shore hospitals with sufficient supplies, equipment, and specialists necessary to treat them.

    According to the CDC, these types of emergency medical evacuations can be expensive – some even exceed $100,000. That’s why it’s important to find cruise travel medical insurance that offers Emergency Medical Evacuation coverage of at least $100,000.

    The Atlas Travel policy from Tokio Marine HCC – MIS Group offers a $1,000,000 lifetime maximum for its Emergency Medical Evacuation benefit, plus benefits for Hospital Room and Board and the Intensive Care Unit.

  1. While touring your ship’s first destination, your child takes a nasty fall, resulting in a trip to the emergency room.

    Since you don’t have your car with you, you have to rely on a local ambulance to transport you and your child to the hospital. Once there, he is admitted and scheduled for surgery.

    Thankfully, you have an Atlas Travel insurance policy which covers reasonable local ambulance charges when you are admitted to the hospital as an inpatient and other eligible medical expenses resulting from a covered injury. Your policy also offers a $0 emergency room copayment for the treatment of a covered injury.

  1. Heavy fog causes your initial cruise departure to be delayed until the following morning.

    Not only do you now need to find a last-minute hotel room, but you’ll have to pay for meals that you hadn’t planned for when making your budget. Under Atlas Travel’s Travel Delay benefit, you’ll be reimbursed up to the benefit limit for reasonable accommodations and meals if your covered, 12-plus -hour delay requires an unplanned overnight stay.

  1. The cruise line loses your luggage and you need to replace many of the items inside.

    In situations such as this one, where your luggage has been lost for 10-plus days and you’ve filed a formal claim with your cruise line, a cruise travel medical insurance policy like Atlas Travel can provide reimbursement for the replacement of some clothes and personal hygiene items. Atlas Travel offers a $1,000 Lost Checked Luggage benefit, not to exceed $50 on any one item.  

  1. You’re traveling abroad when you receive the devastating news that a member of your immediate family has passed away.

    Depending on the circumstances, you may wish to return home immediately. Under Atlas Travel’s Trip Interruption benefit, you will be covered for the cost of an economy, one-way air or ground transportation ticket to the terminal serving the area where you live.

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Why choose Atlas Travel insurance?

Atlas TravelAtlas Premium, and Atlas Group policies from Tokio Marine HCC – MIS Group offer all of the above benefits for your journey on the high seas.

Atlas policies are:

  • Flexible – They allow you to select the deductible, length of coverage, and coverage maximum that best align with your travel needs.

  • Easy to Use – Online fulfillment is available immediately and no health screenings are required for acceptance. Plus, use our international provider search engine to find medical providers in countries and territories worldwide.

  • Accommodating – Policies come with access to a full line of travel assistance services, available in multiple languages 365 days a year.

What happens if you get sick overseas? Guarantee you have health coverage.


Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s. Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. 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 HCC Underwriting Agency Ltd.