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Based on advice from Public Health England, the FCDO is currently advising against ALL cruise ship travel for British travellers due to the ongoing pandemic. Please note that we cannot provide cover for anyone to travel against the advice of the FCDO. Please check with your cruise provider before purchasing a policy.

Going on a cruise offers you the chance to have your holiday the way you want it. On board what is essentially a floating resort, not only do you get to enjoy the seemingly never ending list of activities on offer, you also get to visit multiple locations and soak up the culture when the ship docks.

You can then kick back and relax in the evening while enjoying the wide variety of entertainment options on offer such as extravagant shows and top notch comedy. And if you’re a foodie you’ll be in your element as you can choose multiple cuisines to indulge in or head instead to one of the ship’s restaurants to enjoy a fabulous fine dining experience.

Cruises are perfect for all ages as there are tons of activities for the kids to choose from too.

To ensure that your holiday goes smoothly though, it’s a good idea to take out travel insurance. At Spectrum we offer a specialist cruise extension on n our Single and Multi Trip policies. The Cruise Extension must be added to your policy if you’re planning a cruise. (We define a cruise as a pleasure voyage of more than 72 hours duration, sailing as a passenger on a purpose-built ship on sea/s or oceans that may include stops at various ports.)

Do You Need Special Travel Insurance For A Cruise?

Cruise holidays do pose slightly different ‘risks’ to a standard beach holiday or city break, therefore it’s important that you purchase cover which fully protects you. For example, a more standard travel insurance policy may not include cover for things like missed sailing, or a change in the ships itinerary. At Spectrum we offer a specialist Cruise Extension on all our Single and Multi Trip policies – this cover must be added to your policy if you are planning a cruise, to ensure you are protected in the event of a claim.

What Travel Insurance Type Should I Choose?

If you have one cruise holiday planned this year then Spectrum’s Single Trip Travel Insurance offers the perfect solution with its low cost, high value cover. There’s no upper age limit and you can cover trips up to 100 days in length. Just remember to add the Cruise Extension during the quote process, to ensure you are covered for cruising.

If you have more trips planned over the next 12 months then take a look at Spectrum’s Annual Multi-Trip cover. Again, don’t forget to add the Cruise Extension during the quote process, to ensure you are covered for cruising.

Why Choose Spectrum Travel Insurance?

24/7 Emergency Helpline

100+Activities Covered FREE

Up to
£10m Medical Cover Per Person

Up to
£10,000 Cancellation Cover Per Person

Key Benefits Of Our Cruise Extension Travel Insurance

  • Cover for up to 45 days cruising during the 12-month life of your Multi Trip policy.
  • Cover for the duration of your Single Trip policy.
  • Cancellation cover for the cruise element of your trip (up to the policy limit purchased).
  • Up to £1,000 per insured person if you miss your sailing
  • Up to £500 per insured person if your ships itinerary changes
  • Up to £300 per insured person if you are confined to your cabin
  • Up to £500 per insured person if you cannot go on your shore excursions.

What Does Spectrum Travel Insurance Cover

If your holiday plans are all set then the sooner you take out your policy, the sooner you’ll be covered for key aspects such as cancellation. Also Spectrum policies provide cover for medical expenses should you fall ill or receive an injury. Without cover any resulting medical bills will be handed to you to pay and they could run into hundreds, if not thousands, of pounds.

Spectrum’s Travel Insurance covers a whole host of areas to give you real peace of mind. Key aspects include:

  • Cancellation and curtailment – cover up to £10,000 available.
  • Medical Expenses – up to £10million cover available.
  • Baggage – cover up to £3,000 available.
  • Personal Accident – cover up to £100,000 available (depending on section)
  • Personal Liability – cover up to £3million available

Plus much more – you can find a full outline of all the cover available by visiting our Cover Levels page.

What Is Covered By Spectrum’s Cruise Plus?

Again, if your trip includes a cruise you must purchase our cruise extension to be covered for your trip. Our cruise extension also includes specialist cover such as if you miss your sailing, if your are confined to your cabin, or if you cannot go on any pre-booked or planned shore excursions.

Tailor Your Policy With A Range Of Additional Options

Here at Spectrum we aim to ensure we have a policy to fit your individual needs. Not only can you choose from a range of cover levels and policy types, we also offer additional options, along with Cruise cover, so you can tailor your policy. These include:

  • Gadget Cover – added protection for up to five of your gadgets, including smart phones and tablets.
  • Business Plus – if you travel on business then this gives added security for equipment, goods and personnel.
  • Golf Plus – if you’re heading away to enjoy a few rounds in sunny climes you may want to take out this extra insurance to protect aspects such as your clubs, green fees and there’s even ‘hole in one’ cover!
  • Wedding/Civil Partnership Plus – if you are holding your big day abroad then make sure items such as wedding rings, attire and gifts are covered with this option.
  • Winter Sports – heading to the slopes? Then make sure you add winter sports cover to your policy.

I Have A Medical Condition - Can I Get Covered?

If you’re concerned about getting cover for an existing condition, don’t be. Spectrum considers all conditions and you can get covered either online or over the phone. Either way we’ve made the process of declaring your condition as straightforward as possible.

If you have an existing medical condition then it’s important to declare it when you take out your cover. That’s because if something happens that’s linked to your condition and you haven’t told us about it, then it is likely that any related claim will be declined.


When Should I Start My Travel Insurance?

It’s always best to arrange cover as soon as you’ve booked your trip. That way you’ll have the peace of mind that you’re protected for aspects including cancellation.