updated: Jun 04, 2025
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provider | Overseas medical expenses | Trip cancellation | Loss of baggage | offers_rewards | apply | ||||||
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S$300,000.00 | S$5,000.00 | S$3,000.00 | eligible_rewards (4) | Instant Checkout
on_provider_website | eligible_rewards (4) Instant Checkout
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S$250,000.00 | S$5,000.00 | S$3,000.00 | eligible_rewards (3) | Buy Now
on_provider_website | eligible_rewards (3) Buy Now
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S$500,000.00 | S$10,000.00 | S$5,000.00 | eligible_rewards (5) | Instant Checkout
on_provider_website | eligible_rewards (5) Instant Checkout
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S$250,000.00 | S$5,000.00 | S$3,000.00 | eligible_rewards (4) | Instant Checkout
on_provider_website | eligible_rewards (4) Instant Checkout
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S$250,000.00 | S$5,000.00 | S$3,000.00 | eligible_rewards (2) | Buy Now
on_provider_website | eligible_rewards (2) Buy Now
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S$200,000.00 | S$7,500.00 | S$3,000.00 | eligible_rewards (3) | Buy Now
on_provider_website | eligible_rewards (3) Buy Now
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S$150,000.00 | S$5,000.00 | S$3,000.00 | eligible_rewards (5) | Instant Checkout
on_provider_website | eligible_rewards (5) Instant Checkout
on_provider_website | ||||||
S$500,000.00 | S$10,000.00 | S$5,000.00 | eligible_rewards (4) | Buy Now
on_provider_website | eligible_rewards (4) Buy Now
on_provider_website | ||||||
S$200,000.00 | S$5,000.00 | S$3,000.00 | eligible_rewards (5) | Instant Checkout
on_provider_website | eligible_rewards (5) Instant Checkout
on_provider_website | ||||||
S$150,000.00 | S$3,000.00 | S$1,000.00 | eligible_rewards (3) | Buy Now
on_provider_website | eligible_rewards (3) Buy Now
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Table of contents
Your cruise holiday should be smooth sailing — cruise travel insurance helps ensure it stays that way when things don’t go as planned.
Cruise vacations are making waves again, with more Singaporeans jumping onboard regional getaways and long-haul voyages alike. But with unique risks like onboard medical emergencies, missed ports, and unexpected cancellations, a regular travel insurance plan might not offer enough protection.
That’s where cruise travel insurance comes in — designed specifically for the quirks of cruise travel, it helps safeguard your trip and wallet from potential mishaps. In this guide, we’ll explore why cruise-specific coverage matters, what it includes, and which plans in Singapore offer the best value in 2025.
Unlike a standard vacation, cruise holidays come with distinctive risks. You’re spending days at sea, with limited access to emergency services, medical care, and alternate transport. If you need urgent medical attention onboard or evacuation to the nearest port, costs can quickly climb into five figures. Travel insurance data shows that cruise medical evacuations can range from US$25,000 to over US$100,000, depending on the location and complexity.
Then there’s the risk of delays or itinerary changes. Rough seas or mechanical issues can cause cruises to skip ports, cut short excursions, or even cancel voyages altogether. Standard travel insurance may not fully cover these scenarios. Cruise insurance bridges this gap with targeted protection for cruise-specific disruptions like missed connections, unused excursions, or trip interruption caused by ship breakdowns.
>> MORE: Is cruise insurance worth it? Why you should buy it
Singapore continues to be a leading cruise hub in Asia, thanks to its world-class Marina Bay Cruise Centre and strategic location. In 2025, cruise lines are ramping up sailing with improved onboard experiences, themed voyages, and new itineraries tailored for families, couples, and adventure seekers.
Price: From S$499 per person for a 3-night sailing
Popular routes/destinations: Penang, Phuket, Kuala Lumpur, Port Klang
Why we like it:
With 3- to 5-night sailings to nearby destinations like Penang and Phuket, Spectrum of the Seas has firmly established itself as Singapore’s go-to ship for short regional getaways.
What sets this ship apart is the level of innovation onboard. Designed as a Quantum Ultra Class ship, Spectrum of the Seas features futuristic amenities such as the North Star observation capsule — a glass pod that lifts guests 100 metres above sea level for panoramic ocean views. Add in the RipCord by iFLY skydiving simulator and FlowRider surf simulator, and your sea days will never be boring.
Short cruises like these are wallet-friendly, require minimal leave from work, and offer a perfect balance of relaxation and excitement. Paired with affordable cruise travel insurance, they make a low-risk yet high-reward holiday option.
Recommended activities:
North Star panoramic capsule ride
Bumper cars and indoor sports at SeaPlex
Price: From S$2,800 per person for a 14-night sailing
Popular routes/destinations: Singapore to Japan, Australia, or the Middle East
Why we like it:
When it comes to extended voyages with a touch of elegance, Princess Cruises’ Diamond Princess offers longer 10- to 21-day itineraries with stops across Asia, Australia, or the Arabian Peninsula. It’s perfect for retired travellers, couples celebrating a milestone, or anyone wanting to slow down and soak in each destination.
The Diamond Princess is well-suited for long-haul comfort. Guests enjoy spacious cabins, many with private balconies, and a refined onboard experience that includes traditional afternoon tea, enrichment lectures, wine tastings, and world-class spa treatments. There’s also Movies Under the Stars, live jazz at the Explorers Lounge, and dance classes to keep days and nights full.
These longer cruises are best paired with comprehensive cruise travel insurance that covers trip curtailment, onboard medical treatment, and potential cruise diversions — especially important when crossing multiple borders.
Recommended activities:
Cultural workshops onboard
Stargazing from the top deck on sea days
Price: From S$2,300 per person for a 12-night sailing
Popular routes/destinations: Singapore to Sydney, Bali, Vietnam
Why we like it:
Celebrity Cruises is known globally for its upscale, award-winning experience — and the Celebrity Solstice delivers on all fronts. If you're seeking modern luxury and premium service, this is our top pick.
The Solstice is famed for its elegant design, including the one-of-a-kind Lawn Club — a half-acre of real grass on the top deck where you can picnic or play bocce while at sea. Its suites come with exclusive access to The Retreat, a luxurious suite-class experience complete with a personal butler, private dining, and a sun deck.
Travellers choosing this cruise should look for high-tier travel insurance with optional luxury cruise riders — to cover higher trip costs, suite cancellations, and premium excursion protection.
Recommended activities:
Lawn Club bocce ball
Bali island-hopping tour
Wine and food pairing at Murano
Price: From S$1,100 per person for a 4-night sailing
Popular routes/destinations: Singapore to Langkawi, Phuket, or short SEA loops
Why we like it:
In 2025, the arrival of Disney Adventure — Disney Cruise Line’s first homeported ship in Asia — has made waves in the family travel scene. This is hands-down the best cruise for parents looking to share a magical, memory-filled vacation with their children.
True to its brand, every inch of this cruise ship is designed for immersive, Disney-themed fun. Families can dine with characters, join Marvel or Star Wars virtual missions, and enjoy Broadway-calibre stage shows. There are themed pools, fireworks at sea, and even adult-only lounges and spa areas for some grown-up time.
This cruise is ideal for first-timers and multigenerational families. It’s also a good reason to get cruise insurance that covers kids' illnesses, last-minute cancellations, and activity disruptions — especially when young children are involved.
Recommended activities:
Character dining with Elsa, Mickey, and friends
Star Wars-themed VR adventures
Explore top-rated family travel insurance plans and choose the best fit for your family's needs.
on_provider_website
Overseas medical expenses | S$ 300,000.00 |
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Trip cancellation | S$ 5,000.00 |
Loss of baggage | S$ 3,000.00 |
Complete purchase in just 3 clicks
24/7 hotline & easy claims via Allianz
No sub-limits on affordable COVID-19 coverage
Child coverage equal to adults
Designed for discerning travellers, this top-tier plan delivers robust protection for long-haul or luxury cruises, with unlimited overseas medical coverage and high cancellation payouts. It’s especially suited for those who want peace of mind when cruising across multiple countries or with more costly itineraries.
Cruise travel insurance is a specialised policy that goes beyond standard travel coverage. It includes protection for common cruise disruptions — such as missed ports, delayed embarkation, shipboard accidents, and even lost luggage between ports. While basic travel insurance often covers trip cancellation and medical emergencies, it may not include cruise-specific issues like missed shore excursions or emergency evacuation from sea.
Cruise policies typically include:
Coverage for emergency medical treatment onboard and at ports
Emergency evacuation and repatriation
Trip cancellation and curtailment
Coverage for missed ports or connections
Protection for missed shore excursions
Baggage loss or delay
Cabin confinement compensation due to illness
By contrast, regular travel insurance may leave out these cruise-relevant benefits — especially missed port compensation or coverage during extended sea days. While some general plans offer cruise riders or optional cruise coverage, a standalone cruise travel insurance policy ensures you’re comprehensively protected.
>> MORE: Should I buy cruise insurance? A guide for Singaporeans
Many providers allow travellers to customise their plans with cruise-focused add-ons. These include:
Shore excursion protection: Reimbursement if a pre-booked tour is missed due to itinerary change or illness
Missed port benefit: Compensation if your ship skips a destination
Cabin confinement: Daily allowance if you are quarantined or confined due to illness
Luxury cruise upgrades: Increased coverage for high-value cruises, including suite-level cabin cancellations
These extras can be useful especially for travellers booking premium or extended itineraries, where more is at stake in the event of disruptions.
Buying cruise travel insurance in Singapore is straightforward, but there are key steps to get the most out of your coverage. Start by identifying your cruise details — destination, duration, and total trip cost including flights, hotels, and cruise fares. Then, compare plans online through trusted aggregators or directly with insurers.
Be sure to check for cruise-specific inclusions, such as missed port coverage or medical evacuation from sea. Some insurers require that you select a cruise rider during checkout. You’ll typically need your personal details, travel dates, and cruise operator information to complete the application. Once purchased, your Certificate of Insurance will be sent via email — keep it accessible for emergencies.
>> MORE: 10 tips for buying the right travel insurance in Singapore
Here are some recommended cruise travel insurance plans available to Singaporeans in 2025
Starr TraveLead Comprehensive (Silver) |
Includes COVID-19 coverage, cabin confinement, trip interruption, and medical expenses |
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Allianz Travel Hero – Elite |
Premium protection with up to unlimited emergency medical cover and cruise-specific benefits |
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MSIG Standard Plan |
Offers reliable medical and trip cancellation protection at a mid-range premium. |
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Income Travel Insurance Classic |
Covers trip delays, cruise diversions, and baggage loss with optional cruise add-ons. |
on_provider_website
Overseas medical expenses | S$ 250,000.00 |
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Trip cancellation | S$ 5,000.00 |
Loss of baggage | S$ 3,000.00 |
H4 Product details
Exclusive perks for Income policyholders
Post-departure purchase allowed (only insurer)
Family can visit you if hospitalised overseas
This plan is ideal for travellers who prefer customisation. While its base coverage is solid, you can enhance it with cruise-specific riders, making it suitable for both casual cruisers and those seeking more tailored protection.
Each of these plans provides essential coverage — but always review the fine print, especially around cruise-related clauses and exclusions.
Plan Name |
Price (est.) |
Trip Cancellation |
Overseas Medical Expenses |
Medical in SG |
Apply Now |
Starr TraveLead (Silver) |
From S$47 |
Up to S$5,000 |
Up to S$200,000 |
Up to S$2,000 |
|
Allianz Travel Hero – Elite |
From S$62 |
Up to S$15,000 |
Unlimited |
Up to S$5,000 |
|
MSIG Standard Plan |
From S$41 |
Up to S$5,000 |
Up to S$250,000 |
Up to S$2,000 |
|
Income Travel Insurance Classic |
From S$40 |
Up to S$10,000 |
Up to S$250,000 |
Up to S$2,000 |
Enjoy year-round protection and cost savings with multi-trip travel insurance — perfect for your next cruise
Whether you're sailing regionally or venturing further abroad, having the right insurance plan can save you from financial and logistical headaches.
Below, we’ve shortlisted several travel insurance providers that offer strong cruise-related protection, each with varying strengths in medical coverage, baggage loss, trip cancellation, and customisability. These options are suitable for a wide range of travellers, from solo cruisers and families to luxury seekers.
We calculated premium costs based on a single traveller, single trip, 4-days in Thailand, without promotions or offers. Hence, it is advisable to consult the respective insurance providers for the most accurate and up-to-date information.
TIQ's Luxury Plan offers robust coverage, including high medical expense limits and comprehensive trip cancellation benefits, making it ideal for cruise travellers seeking extensive protection.
Medical coverage: S$1,000,000
Trip cancellation: S$10,000
Loss/damage of baggage and belongings: S$3,000
Estimated total premium cost: S$39.60
on_provider_website
Overseas medical expenses | S$ 200,000.00 |
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Trip cancellation | S$ 5,000.00 |
Loss of baggage | S$ 2,000.00 |
Only insurer to pay instantly upon 3 hours flight delay due to insured events
Hassle free claims and fast payouts via PayNow
Additional loyalty discounts for Tiq by Etiqa customers
Add-on: Covers pre-existing conditions
TIQ by Etiqa is a digital-first travel insurance plan offering instant policy issuance, flexible add-ons, and comprehensive cruise coverage — ideal for last-minute planners or tech-savvy travellers.
Starr's Silver Plan provides a balanced mix of coverage and affordability, with substantial medical and trip cancellation benefits suitable for cruise itineraries.
Medical coverage: S$500,000
Trip cancellation: S$10,000
Loss/damage of baggage and belongings: S$5,000
Estimated total premium cost: S$49.20
on_provider_website
Overseas medical expenses | S$ 500,000.00 |
---|---|
Trip cancellation | S$ 10,000.00 |
Loss of baggage | S$ 5,000.00 |
Complete purchase in just 3 clicks
Unlimited emergency medical evacuation and repatriation
Free coverage for child under family plan
Starr’s TraveLead plan is well-rounded and budget-friendly, offering essential coverage for medical emergencies, trip cancellation, and COVID-19, making it suitable for most short-to-medium cruises.
Sompo's Superior Plan includes comprehensive COVID-19 coverage, essential for cruise travellers concerned about pandemic-related disruptions.
Medical coverage: S$400,000
Trip cancellation: S$10,000
Loss/damage of baggage and belongings: S$1,000
Estimated total premium cost: S$21.60 (after 55% discount)
on_provider_website
Overseas medical expenses | S$ 200,000.00 |
---|---|
Trip cancellation | S$ 5,000.00 |
Loss of baggage | S$ 1,000.00 |
Exclusive cashless outpatient services in Japan
Extensive rental vehicle coverage
Sompo’s COVID-19-focused plan provides peace of mind for health-conscious travellers, with generous coverage for medical treatment, quarantine costs, and pandemic-related trip cancellations.
DBS TravellerShield Plus, underwritten by Chubb, offers high medical coverage and extensive benefits, making it a strong choice for cruise travellers seeking comprehensive protection.
Medical coverage: S$1,000,000
Trip cancellation: S$10,000
Loss/damage of baggage and belongings: S$5,000
Estimated total premium cost: S$50.00
Overseas Medical Expenses: Up to S$300,000
Trip Cancellation: Up to S$5,000
Baggage Loss: Up to S$3,000
COVID-19 Coverage: Included in all plans.
Adventure Activities: Coverage for activities like bungee jumping, scuba diving and more.
Trip Protection: Benefits for travel delays over 6 hours, however with a maximum of S$100 for delay in Singapore.
Underwritten by Chubb, this plan offers robust protection with extensive cruise and travel benefits, especially attractive for DBS cardholders seeking convenience and added perks.
Cruise insurance should cover unplanned alterations to your route — whether due to weather, geopolitical issues, or mechanical failures. Look for plans that offer compensation for missed destinations and extra transport or accommodation costs.
If your ship is rerouted to a different port or forced to return early, certain policies reimburse the unused portion of your trip or provide alternative arrangements.
Many policies now offer coverage for pre-booked shore activities that are missed due to itinerary shifts or illness. This is especially valuable for high-cost excursions.
If your cruise is delayed or cancelled due to ship malfunction, eligible plans may provide daily compensation or trip interruption benefits.
Travellers with existing medical issues should choose policies with waivers for stable pre-existing conditions or disclose their conditions when buying coverage.
Stops at remote islands often have limited facilities. Check if your plan covers medical emergencies or transport from these stops.
Assess your needs based on trip cost and age. Higher medical and evacuation limits are advisable for longer or international cruises.
Compare premiums across providers. More expensive plans may offer better protection, but ensure they match your travel style and risk appetite.
Look for flexible plans that allow add-ons such as adventure sports or luxury cruise protection — helpful if you’re customising your itinerary.
Cruise insurance policies often come with exclusions — and it’s crucial to know what isn’t covered. Pre-existing medical conditions are one of the most common exclusions unless declared and waived. Some plans also exclude certain activities like scuba diving or trekking unless added on.
Weather-related disruptions, particularly those related to known events like monsoon seasons or hurricanes, may not be covered if they were forecasted. COVID-19 remains a grey area — while many policies include some form of pandemic cover, quarantine-related losses, travel bans, or government advisories may still be excluded. Always read the policy wording carefully.
If you’re planning multiple cruise holidays in a year, annual multi-trip policies may offer better value than buying coverage each time. These plans typically include the same benefits as single-trip ones — but can be more cost-effective and convenient.
For one-off cruises or special itineraries, a single-trip policy might suffice. It also allows you to tailor coverage more specifically for that journey.
Do you need travel insurance for a cruise?
Yes, travel insurance is highly recommended for cruise holidays. Cruise travel comes with unique risks — such as medical emergencies at sea, missed ports, or ship diversions — that are often not covered by standard travel insurance. Cruise-specific insurance offers added protection tailored to these situations.
What happens if my cruise skips a port due to bad weather?
If you have a cruise insurance policy that includes missed port coverage, you may be eligible for compensation. Not all policies include this benefit, so it’s important to check the terms or choose a plan that specifically covers itinerary changes.
Does cruise travel insurance cover shore excursions?
Some policies offer coverage for prepaid shore excursions if you miss them due to ship delays or illness. This is typically available as an add-on or within more comprehensive plans. Always read the policy details to confirm inclusion.
Can I buy cruise travel insurance after booking my cruise?
Yes, but it’s best to purchase insurance as soon as you confirm your booking. Buying early ensures you’re covered for any unexpected issues — like trip cancellation due to illness — that arise before departure.
Are pre-existing medical conditions covered by cruise travel insurance?
Coverage for pre-existing conditions varies by provider. Some plans offer waivers for stable conditions if you meet specific criteria, while others exclude them entirely. You’ll need to review the fine print or choose a policy specifically designed to cover pre-existing conditions.
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