Can't leave the work desk for too long? You can consider taking a short getaway on a cruise to nowhere. But before you get on that cruise liner, be sure to get the right travel insurance plan. Here are five options to cover your vacation on the high seas.
Best Travel Insurance For Cruise-To-Nowhere in Singapore: Best Starr TraveLead Travel Insurance | Allianz Travel Comprehensive (Platinum) | ERGO TravelProtect | Sompo Travel Insurance | Tiq Travel Insurance
Best Travel Insurance: Tiq Travel Insurance | MSIG TravelEasy | Allianz Travel Insurance | Ergo TravelProtect | Singlife Travel Insurance | Sompo Travel Insurance | Tokio Marine Travel Insurance | Allied World Travel Insurance | Starr Travel Insurance | FWD Travel Insurance | AIG Travel Guard
Cruises to nowhere are relatively affordable and low commitment, and your exposure to strangers is limited to your fellow passengers (compared to the roving population of an entire city, say).
Besides, cruise ships can be fairly refreshing, with several entertainment, dining and leisure options on offer.
If all else fails, or if you simply don’t relish the idea of having to adhere to a timeslot, you can always just Netflix and chill in your cabin, buoyed by the gentle sea.
Now that we’ve planted the idea of going for a cruise holiday in your head, we’d be remiss if we didn’t also remind you of the importance of getting an appropriate travel insurance plan.
We’ve saved you some trouble. Here are five travel insurance plans that provide cover for cruise-to-nowhere holidays.
Table of contents:
Best cruise travel insurance Singapore
Product |
Cruise benefits highlights |
COVID-19 limits |
Apply |
|---|---|---|---|
Tiq Travel Luxury - Asia
|
Medical expenses: Up to S$1m (post-trip: Up to S$10,000)
Accidental death and disablement: Up to S$500,000 Hospital allowance: Up to S$20,000 (S$200/day) Hospital allowance (in Singapore): Up to S$1,500 (S$100/day) Trip cancellation: Up to S$10,000 Trip curtailment: Up to S$5,000 Personal effects: Up to S$3,000 Travel delay: S$500 (S$50/3 hours) |
Medical expenses: Up to S$300,000
Quarantine allowance: Up to S$1,500 (S$100/day) Trip cancellation, curtailment or disruption: Up to S$5,000 Travel postponement: Up to S$1,500 |
|
Starr TraveLead Gold Plan - Southeast Asia (Annual)
|
Cruise coverage available as an add-on
Medical expenses: Up to S$1,000,000
Accidental death and disablement: Up to S$500,000 Trip cancellation or curtailment: Up to S$15,000 Trip postponement: Up to S$1,500 Personal effects: Up to S$7,500 Travel delay: Up to S$800 (S$100/6h)
|
Medical expenses: Up to S$65,000
Trip curtailment and cancellation: Up to S$500
|
|
Allianz Travel Insurance Platinum Plan
|
Trip cancellation or interruption: Up to S$10,000
Trip delay: Up to S$1,600 Accidental death and disablement: Up to S$100,000 Lost, stolen or damaged baggage: Up to S$5,000 Delayed baggage: Up to S$1,000 |
No separate limits for COVID-19
|
|
SOMPO Travel Insurance (Superior)
|
Medical expenses: Up to S$400,000 (post-trip: Up to S$10,000)
Accidental death and disablement: Up to S$500,000 Hospital allowance: Up to S$6,000 (S$200/day) Trip cancellation, postponement or curtailment: Up to S$10,000 Loss or damage of personal belongings: Up to S$2,500 |
Medical expenses: Up to S$200,000
Hospital or quarantine allowance: Up to S$1,400 Trip cancellation or postponement: Up to S$4,000 with S$100 excess Trip curtailment or disruption: Up to S$2,000, with S$100 excess |
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Allianz Travel Insurance
Cruise benefits:
- Up to S$25,000 for denied boarding
- Up to S$1,000 for cabin confinement
- Overseas medical expenses up to S$1 mil (69 years and below in age)
- Up to S$15,000 for trip cancellation or interruption
- Up to S$2,000 for trip delay
COVID-19 limits:
- As per cruise benefits
Premiums before discount (single traveller, single trip, 4-day duration to Thailand):
- Bronze: S$42
- Silver: S$58
- Platinum: S$82
A positive COVID-19 test during your cruise can cause you to be denied boarding, or perhaps worse — confined in your cabin until the liner returns to Singapore.
Those are terrible situations to be caught in, but with the Allianz Travel Comprehensive plan, you’ll at least have some benefits to fall back on.
Available only on the Platinum tier, these cruise-specific insurance benefits will reimburse you up to S$25,000 for denial of boarding, and up to S$1,000 should you need to be confined in your cabin.
You can also enjoy up to S$1 million for medical expenses incurred during an emergency on your trip if you are 69 years old and below. For those who are 70 years old and above, the coverage is capped at S$250,000. This applies to all medical situations, not just COVID-19.
And should your cruise be cut short or cancelled, you will be covered for up to S$15,000. Meanwhile, trip delays are also covered for up to S$2,000. Such delays may be caused by instances due to sanitisation or other reasons.
TIQ Travel Insurance
Cruise benefits:
- Up to S$1m for medical expenses, and S$10,000 for post-trip medical expenses
- Up to S$500,000 for accidental death and disablement
- Up to S$20,000 (S$200/day) hospital allowance
- Up to S$10,000 for trip cancellation, and up to S$5,000 for trip curtailment
- Up to S$3,000 cover for personal effects
- Up to S$500 (S$50/3 hours) for travel delay
COVID-19 limits:
- Up to S$300,000 for medical expenses
- Up to S$1,500 (S$100/day) quarantine allowance
- Up to S$5,000 for trip cancellation, curtailment or disruption
- Up to S$1,500 for travel delay
Premiums before discount (single traveller, single trip, 4-day duration to Thailand):
- Entry: S$27
- Savvy: S$39
- Luxury: S$47
TIQ recently extended insurance cover for COVID-19 as well as cruise-to-nowhere for its TIQ Travel Insurance plan, earning it a spot on our list.
The standouts here are the high claims limits for medical expenses while overseas, along with a modest benefit for follow-up treatment when you’re back in Singapore.
Also included are benefits of up to S$10,000 for trip cancellation, and up to S$5,000 for trip curtailment, along with up to S$3,000 worth of cover for personal belongings and luggage.
In terms of COVID-19 cover, you will get as much as S$300,000 overseas medical expense benefit, as well as up to SS$1,500 quarantine allowance, at the rate of S$100/day.
Testing positive before your cruise, or having it cut short due to an outbreak, will entitle you to claims of up to S$5,000. As for travel delays caused by COVID-19, you can claim up to S$1,500 in benefits.
Sompo Travel (COVID-19) Insurance
Cruise benefits:
- Up to S$400,000 for medical expenses, and S$10,000 for post-trip medical expenses
- Up to S$500,000 for accidental death and disablement
- Up to S$6,000 (S$200/day) hospital allowance
- Up to S$10,000 for trip cancellation, curtailment or postponement
- Up to S$2,500 for loss or damage of personal belongings
COVID-19 limits:
- Up to S$200,000 for medical expenses
- Up to S$1,400 hospital and/or quarantine allowance
- Up to S$4,000 (S$100 excess) for trip cancellation or postponement
- Up to S$2,000 (S$100 excess) for trip curtailment or disruption
Premiums before discount (single traveller, single trip, 4-day duration to Thailand):
- Essential: S$49
- Superior: S$64
Sompo Travel (COVID-19) Insurance offers a good mix of overseas travel coverage as well as COVID-19 benefits.
For the latter, the plan includes not only emergency medical expenses, but also hospital and/or quarantine allowance.
Also offered are benefits for trip cancellations or disruptions; under normal circumstances, these have decently-sized claims limits.
However, should your cruise be cut short or cancelled because for reasons related to the pandemic, you’ll need to pay a S$100 excess.
For policies issued on or after 20 July 2022, full vaccination is not required if the traveller fulfils the destination country's requirements and are not in breach of any government regulations. Travellers will need to take a pre-departure COVID-19 polymerase chain reaction (PCR) test and test negative within 72 hours prior to the scheduled departure date from Singapore.
DBS TravellerShield Plus
Cruise benefits:
- Up to S$1m for medical expenses, and S$75,000 for post-trip medical expenses
- Up to S$500,000 for accidental death and disablement
- Up to S$2,000 (S$100/6 hours) for travel delay
- Up to S$8,000 for personal baggage
COVID-19 limits:
- Up to S$200,000 for medical expenses, and up to S$100/day, maximum 14 days for hospitalisation or quarantine
- Up to S$7,000 for trip cancellation or curtailment
Premiums before discount (single traveller, single trip, 4-day duration to Thailand):
- Classic: S$53
- Premier: S$63
- Platinum: S$87
DBS TravellerShield Plus is a travel insurance plan that offers both cruise cover, as well as benefits for COVID-19, which allows you to cover all your bases when taking a holiday cruise.
As highlighted above, this plan also has extremely generous claims limits for all the important areas, with up to S$1m for overseas medical expenses (S$200,000 for COVID-19), up to S$500,000 for accidental death and disablement, and up to S$2,000 for travel delay.
There is also a daily allowance of S$100/day in case of COVID-19-related hospitalisation or quarantine, for as many as 14 days.
And to top it all off, this plan is priced very affordably.
Starr TraveLead Travel Insurance
Cruise benefits:
- Up to S$500,000 for accidental death and disablement
- Up to S$1,000,000 for medical expenses
- Up to S$800 for travel delay (S$100/6 hours)
- Additional S$3,000 for trip cancellation and interruption
- S$6,000 for cruise cancellation and interruption
- S$1,000 excursion tour cancellation
- S$200 for satellite phone coverage
COVID-19 limits:
- Up to S$65,000 for COVID-19 medical expenses
- Up to S$500 for trip curtailment and trip cancellation
Premiums before discount (single traveller, single trip, 4-day duration to Thailand):
- Bronze: S$33.50
- SIlver: S$41.50
- Gold: S$50.50
Starr TraveLead travel insurance offers cruise coverage as an add-on, so it doesn't come with the plan you purchase.
At an affordable price, you get decent coverage of up to S$500,000 for accidental disablement and death, and up to S$1,000,000 for medical expenses if you opt for the Gold plan.
As for cruise coverage, you get additional S$3,000 trip cancellation and interruption, S$6,000 for cruise cancellation and interruption, S$1,000 excursion tour cancellation and S$200 for satellite phone coverage in the event that the insured person must return directly to Singapore following injury or sickness of the insured person or traveling companion.
Frequently asked questions (FAQs) for cruise travel insurance
What is cruise travel insurance?
Cruise travel insurance are regular travel insurance plans that offer coverage for cruise-related expenses. They usually cover for any medical expenses and travel disruptions like medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage when you're on a cruise.
On top of that, there are certain specific coverages that cruise travel insurance offers like cruise cancellation and disruption by the company, satellite phone coverage and cabin confinement.
Does cruise travel insurance have annual plans too?
Most cruise travel insurance are regular travel insurance that have additional coverage for cruise-related expenses.
Since there are no specific travel insurance providers that offer travel insurance plans solely for cruise coverage, you can opt for an annual or single-trip travel insurance with cruise coverage.
Does cruise travel insurance only cover for cruise to nowhere?
Unless stated otherwise, travel insurance with cruise coverage cover all types of cruises.
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