What does the Cruise Extension cover?

The Cruise Extension provides tailored cover for your cruise holiday, including: Missed sailings. Missed ports. Cabin confinement due to illness. Loss, theft, or delay of your formal cruise attire.

Can I add the Cruise Extension to my existing travel insurance policy?

Yes, you can add the Cruise Extension to both Single Trip and Annual Multi Trip policies. Simply select the Cruise Extension when purchasing or renewing your policy to ensure you’re covered for the entire duration of your cruise.

What does the Cruise Extension not cover?

There are certain situations where the Cruise Extension will not provide coverage. These include: Missing your cruise because you didn’t allow enough time to reach the port or check in. Being confined to your cabin without a doctor’s note from the ship’s medical officer. Failing to report lost or stolen items and not providing the required documentation (e.g., Property Irregularity Report or receipts for replacement formal attire). Not providing confirmation from the ship’s bursar or captain if a port was missed or changed, or if you were offered an alternative port of call. Full terms and conditions are available within your policy documents, upon quote or purchase.

Cruise Extension | Lighthouse Travel Insurance

Cruise Extension

There’s nothing like the feeling of relaxing on deck and waking up in a new destination! Cruises are a fantastic, stress-free way to travel — and with our Cruise Extension, you’ll have extra peace of mind at sea.

Our Cruise Extension includes protection for things like missed ports, cabin confinement, and unused excursions. It’s designed especially for cruise lovers, including those travelling with medical conditions.

Sail away knowing you’re well covered. Full details, including cover limits and exclusions, are available in your policy documents.

Why Choose a Cruise Extension?

Important: Standard travel insurance policies do not cover cruises. To be protected on your cruise holiday, you must add the Cruise Extension to your Single Trip or Annual Multi Trip policy.

This optional extra provides additional cover tailored to common cruise-related risks. Here’s what’s included:

Missed Departure: Up to £1,000 if you miss your sailing.
Cabin Confinement: Up to £200 per 24 hours, max £1,000 if you’re confined to your cabin (e.g. due to illness)
Delayed Cruise Attire: Up to £500 if your formal clothing is delayed.
Lost/Stolen Cruise Attire: Up to £1,000.
Missed Ports Due To Itinerary Change: Up to £300 per missed port, max £1,500.
Policy Duration: Cover applies throughout your Single Trip policy or up to 45 days of cruise travel within your Annual Multi Trip policy period (total across all trips).

Cover is subject to policy terms, conditions, and exclusions — such as medical certification for cabin confinement, or evidence for any missed departure or loss claims.

All Our Policies Offer Additional Benefits

At Lighthouse, we believe in giving travellers peace of mind — with flexible policies that are easy to understand and fit your needs. Here’s what you can expect from our cover:

Cancellation Cover: Up to £10,000 per insured traveller (depending on the cover level chosen) if your trip is cancelled or cut short due to specific unforeseen events. Cover starts from the date you buy your Single Trip policy or the start date of your Annual Multi Trip policy.
Trip Length Flexibility: Cover from 1day to 18 months, is available. Limits may vary depending on your age, destination or medical condition— full details confirmed when you get a quote.
Emergency Medical Cover: Up to £10 million for emergency medical care while abroad, if medically necessary.
All medical conditions considered: We consider cover for over 11,000 medical conditions, including cancers, respiratory and heart conditions
Cover That Fits Your Budget: Our quote system will only present you with quotes that meet your needs, so you can choose a policy which best suits you
Activities Included as Standard: We cover over 100 leisure sports and activities
Holiday Protection: Includes cover for lost, stolen or delayed baggage, cancellation, and lost money—for added peace of mind while you’re away.
Air Doctor Connect: Free access to Air Doctor Connect, is available, connecting you to over 20,000 doctors in 78 countries. plus, if you use Air Doctor for outpatient treatment, we’ll waive your excess and any prescriptions you pay for you can claim back when home!

Full terms, conditions and exclusions apply. Please review your policy documents carefully to ensure the cover meets your needs and circumstances. The policy wording is available to you at quote and purchase stage.

For further information and advice on cruise trips, please click here.

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Travel Suggestions For A Cruise Trip

This cruise is all about breathtaking natural beauty and peaceful surroundings. You’ll sail past towering cliffs, cascading waterfalls, and charming fishing villages.

The pace is relaxed, the scenery can be enjoyed right from the ship (ideal if mobility is a concern), and excursions are often gentle, including scenic train rides and low-key village walks.

This classic route combines culture, sunshine, and world-famous cities like Barcelona, Rome, and Marseille. It’s like ticking off a bucket list without the hassle of multiple flights.

Everything’s taken care of on board—no unpacking and repacking. Plus, there are usually plenty of accessible excursions and cultural tours, and medical facilities on larger cruise ships are very well-equipped.

This river cruise sails through the heart of Europe, offering a more intimate experience with smaller ships and direct access to cities like Vienna, Budapest, and Passau.

The calm river waters mean no sea sickness, and excursions tend to be easy-going, with plenty of time to relax onboard or take in the history at your own pace.

Frequently Asked Questions

A cruise is a sea or river trip lasting more than 48 hours, with stops at more than one port. The majority of your accommodation and transport will be on a passenger ship or river cruise. If this sounds like your holiday, you will need to add our Cruise Extension to your travel insurance for full coverage.

Yes, the Cruise Extension includes medical emergency coverage if you need treatment while on board or at any of your ports of call. This coverage is in addition to the emergency medical cover included in your standard travel policy. Our 24/7 emergency medical assistance service is available whenever you need it.

There are certain situations where the Cruise Extension will not provide coverage. These include:

Missing your cruise because you didn’t allow enough time to reach the port or check in.
Being confined to your cabin without a doctor’s note from the ship’s medical officer.
Failing to report lost or stolen items and not providing the required documentation (e.g., Property Irregularity Report or receipts for replacement formal attire).
Not providing confirmation from the ship’s bursar or captain if a port was missed or changed, or if you were offered an alternative port of call.

Full terms and conditions are available within your policy documents, upon quote or purchase.

Get a Quote