What Your Cruise Line Actually Covers

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What your cruise line’s protection plan actually covers

Nine cruise lines. Twelve protection plans. Three of them meet the medical minimum we’d recommend for a cruise. One page, compared line by line.

Emergency medical and evacuation limits for all twelve plans, against the minimums worth carrying on a cruise
Which plans pay first, and which wait until Medicare denies your claim
Which ones exclude pre-existing conditions with no waiver available at any price
What “cancel for any reason” actually returns — cash, or a credit toward a future cruise
Verified September 2026 against each line’s own published certificate

Damian Tysdal — licensed travel insurance agent since 2006. I built CoverTrip so travelers can compare plans without a sales call.

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