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Cruise Travel Insurance

Cruise insurance designed for people with pre-existing conditions by medical travel insurance experts

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Medical Cover

Medical Cover

Medical Cover

Cancellation Cover

Medical Cover

Baggage Cover

Medical Cover

from £50
Policy Excess

View our policy benefits and cover limits

Benefit (excess) Silver Gold Platinum
Cancellation & Curtailment £1,500 (£100) £5,000 (£75) £10,000 (£50)
Emergency Medical & Repatriation £5,000,000 (£100) £10,000,000 (£75) £10,000,000 (£50)
Missed Departure £750 (£100) £1,000 (£75) £1,250 (£50)
Baggage and Personal Belongings £750 (£100) £1,000 (£75) £2,000 (£50)

Cover limits are per person, per trip.

View our policy wording and full list of cover benefits


Cruise travel insurance covering pre-existing medical conditions

If you're planning a cruise holiday, we have a specialist policy extension to ensure you are fully covered which includes a range of cruise specific benefits. Cruises are covered as standard on our policies however you can add the cruise extension to gain additional cover benefits if your trip is under 60 days in duration or if you're purchasing annual cover.

Our single trip cruise extension will cover trips of any duration, to both European and Worldwide destinations. The available single trip duration will vary depending on age, full details of which can be found in our policy wording.

If you have multiple trips planned, including a cruise, our annual multi-trip policies might be the best option for you. They will cover you for unlimited travel up to 31 days per trip, or 45 days if the trip extension is also selected from our policy options.

If your trip is eligible, cruise cover will be presented and should be added during the quote journey once you reach the options page. This will then be displayed on your policy schedule. If you already have a Freedom policy and wish to add the cruise extension, you can do so by phoning us on 01223 446 914.

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OR 01223 446 914

Add the cruise option to your Freedom policy to gain additional cover benefits

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Get An Online Quote

OR 01223 446 914

Cruise travel insurance benefits

What does the cruise extension cover?

- If you miss your port we will cover up to £1,500

    • We will pay up to the amount shown in the summary of cover for each missed port in the event of cancellation of a scheduled port visit due to adverse weather or timetable restrictions. 

- If you are unable to participate in your planned excursions we will cover up to £1,500

    • We will pay up to the amount shown in the summary of cover for the cost of pre-booked excursions, which you were unable to use as a direct result of being confined to your cabin by the ship’s medical officer for medical reasons.

- If you are confined to your cabin we will cover up to £1,000

    • We will pay up to the amount shown in the summary of cover for each 24-hour period that you are confined to your cabin for medical reasons on the advice of the ship’s medical officer.

- If you miss your departure we will cover up to £1,500

    • We will pay up to the amount shown in the summary of cover for necessary additional travel and accommodation (room only) expenses required to reach your booked cruise at the next embarkation point, if you are late arriving for your scheduled departure time at the first international departure point as a result of any scenario outlined in the policy wording.

Excess amounts will vary depending on the level of cover chosen. Visit our policy wording for further details. 

Cruise cover trusted by thousands

"Excellent company and great service. I have used Freedom for many years. Peace of mind that we are covered for medical conditions and can enjoy our holiday. Very easy to use, online quotes and staff on the phones are very helpful, thanks."

Trusted Customer

Applying for cruise travel insurance with pre-existing medical conditions

You can apply here online or over the telephone; it’s quick, simple and totally confidential. To provide you with a quote, you’ll need to let us know where you are travelling to, and for how long. Make sure to declare all your pre-existing medical conditions for all travellers.

You will be guided through a medical screening questionnaire, where a series of relevant questions will be asked to assess your health and each individual condition. These questions should be answered accurately and to the best of your knowledge.

You will then be presented with available policy options at which point you will need to select the cruise extension for your Freedom policy to cover cruising.

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Get An Online Quote

OR 01223 446 914

Our team of friendly, medically aware travel insurance agents are here to help


Adding the cruise extension

If you're travelling on a cruise, be sure to select the cruise extension on the options page. This cover can be added to retrospectively by calling the team on 01223 446 914 


Cover your whole trip

You need to cover your whole trip, taking into account the day that you arrive back in the UK



On a single trip we are able to rate on the country that you are travelling to, which enable us to offer a fairer price

Medical travel insurance frequently asked questions

Generally, Freedom is unable to offer cover for people on a waiting list for surgery but there are exceptions to the rule. Talk to the Freedom Call Centre on 01223 446 914 where we can look if there are any options available , it may be that we can find you a policy that excludes cover for the medical condition relating to the pending surgery.

Should your pre-existing medical conditions, directly or indirectly disrupt your holiday plans, maybe causing you to cancel or possibly resulting in emergency medical treatment abroad, providing you have told us about your medical conditions and cover has been agreed, you will be able to recover your expenses (excesses may apply).

You'll be presented with the cruise extension during our quote journey. Be sure to select this if you'd like to gain additional and cruise specific cover benefits for your trip.