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Cruise insurance for ship voyages

Which insurances are useful for a cruise or ship voyage?

As the most important insurances we absolutely recommend a comprehensive foreign health insurance as well as a travel cancellation insurance and travel interruption insurance, as well as luggage insurance - you can take out these separately with us.

As a supplement, we recommend an optional package with liability, accident and luggage insurance.

Health insurance abroad

  • Any number of trips
  • Up to 56 days per trip
  • No deductible
  • Additional package possible

from 9,90 € per year

► take out now

more information

Cancellation insurance

  • Comprehensive cover
  • Cancellation and withdrawal costs
  • up to 14 days before departure
  • With or without excess

from 1,07 € per person

► take out now

more information

Baggage insurance

  • Loss of luggage
  • Damage to luggage
  • Reimbursement for replacement purchases
  • Transport accident

from 25,00 € per trip/person

► take out now

more information


1. Health insurance abroad:

A ship voyage or cruise usually involves travel to destinations abroad. This also involves the corresponding risks to which you are exposed in different countries. So it may well come to the case of illness, be it due to an infection, or other problems on the way. In case of treatment on board, directly at a local travel destination or also in case of a possibly necessary return transport to the home country, high costs can then arise. Through the statutory health insurance you are only partially insured abroad, depending on which country you travel to. You can find more detailed information on this in our guide to private travel health insurance. Even international health insurance included with credit cards usually does not include ship voyages/cruises.

► Calculate international health insurance

Info: The term is a maximum of 1 year and there are different premiums depending on the age group. Take out separate insurance for each person.

2. Travel cancellation insurance and travel interruption insurance:

If you are unable to take your already booked ship trip or cruise due to an illness or accident, you may incur high cancellation costs. So that you do not have to bear these costs, we recommend that you take out travel cancellation insurance. This can be taken out with or without an excess. Information on cancellation costs and reasons for cancellation.

Trip cancellation insurance (holiday guarantee) pays for costs incurred in the event of a trip being cancelled. For example, if you have to return home early due to illness and are therefore unable to make use of travel services such as pre-booked shore excursions. Or if you miss the onward journey of your ship due to an interruption in a shore excursion caused by illness and this results in subsequent travel costs.

► Calculate travel cancellation / interruption insurance

Info: Choose the conclusion with "HanseMerkur Reiseversicherungs AG" for a special travel cancellation insurance tariff for ship voyages and cruises. The travel interruption insurance is already included when taking out the travel cancellation insurance with holiday guarantee.

3. Additional insurances - our property package:

Liability insurance and accident insurance can be added as an additional property package for extended insurance cover when you take out the overseas health insurance.

Info: The tariff "HanseMerkur Reiseversicherungs AG" already includes an additional luggage insurance. This covers you in case your luggage gets lost or damaged.
Further information about luggage insurance.

Tip for cruises

Smartphone costs on the ship can quickly get out of hand. In most cases, there is no land-based network at sea, which means that roaming charges no longer apply in the EU and other countries. Instead, large ships usually use their own mobile network with satellite connection. These networks are highly priced and usually without cost limits. It is best to find out about this in advance or simply switch to airplane mode when traveling by ship.

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