You've planned every detail of your vacation. Travel insurance protects the money you've paid and helps you when the unexpected happens, before you leave or while you're away.
We partner with Berkshire Hathaway Travel Protection (BHTP). When you click "Get a Quote" at the end of these steps, their quote form opens in a new window, already connected to Cruises Tours and Travel. All fields are required. Here's what each one means:
Enter the country you're visiting. For a cruise, choose the main country or region on your itinerary (for example, the Bahamas or Mexico). If you're visiting several countries, pick the one where you'll spend the most time.
Enter the date you leave home and the date you return home, not just your cruise dates. Include any travel days and pre- or post-cruise hotel nights.
Enter the date you made your first payment or deposit for this trip. This date matters, because some benefits depend on buying insurance within a certain number of days of it.
Choose how you're traveling. Select every option that applies, such as cruise and air if you're flying to your port.
Enter your home ZIP code. Plans and pricing depend on the state you live in.
Enter how many people you want to insure, then each traveler's date of birth. Age is one of the main factors in pricing, so make sure each date is correct.
Enter the prepaid, non-refundable cost of your trip: your cruise or vacation package, flights, hotels, and tours or excursions you've paid for in advance. Don't include onboard spending or anything you can still get refunded. If more than one person is traveling, use each traveler's own cost from your confirmation (see the example below). Click the ? icon next to this field for BHTP's guidance on what to include.
For cruises: prepaid gratuities, packages purchased directly through the cruise line (like drink, Wi-Fi or dining packages), and port fees and taxes are refunded if you cancel before your cruise, so you don't need to include them in your trip cost.
| Traveler #1 | Traveler #2 | |
| Cruise fare | $2,184.00 | $2,184.00 |
| Discounts | − $300.00 (Savings) | − $1,311.00 (BOGO60) |
| Taxes, fees & port expenses (refundable, leave out) | — | — |
| Trip cost to enter | $1,884.00 | $873.00 |
Total for both travelers: $2,757.00.
Guest order is set when your cruise is booked, so let your advisor know who is traveling and their ages, and we'll arrange it to save you the most.
For this booking, you'd also enter 10/14/2026 (the Booking Date) for "I booked my trip on," and the travel dates from when you leave home until you return.
Enter your email and click Check Our Prices. You'll see several recommended plans side by side. Compare the coverage, choose the one that fits your trip, and purchase online. Your policy is emailed to you right away.
Use the instructions above to get your quote and buy online directly with Berkshire Hathaway Travel Protection.
Get a Quote Opens BHTP's secure site in a new window.Prefer some help? Answer a few quick questions and your advisor will shop your quote and send you the options.
Shop My Quote A short form, about 2 minutes.Travel insurance plans are offered and administered by Berkshire Hathaway Travel Protection. Coverage, benefits, limits and exclusions vary by plan and state of residence. Please read the plan documents carefully before purchasing. This page is general information only. It is not insurance advice and does not change the terms of any policy. Questions about a specific plan or claim should be directed to Berkshire Hathaway Travel Protection.
Most vacations are paid for months in advance, and much of that money is non-refundable once final payment is made. Plans change. People get sick, flights get canceled and storms roll in. Without coverage, you could lose what you've paid or face large bills far from home.
If you have to cancel for a covered reason, such as illness, injury or a family emergency, you can be reimbursed for prepaid, non-refundable trip costs.
Many U.S. health plans, including Medicare, offer little or no coverage outside the country. Doctor visits in a ship's medical center are billed separately and can be expensive.
If you need to be transported to a hospital from a ship or remote destination, the cost can reach tens of thousands of dollars. Evacuation coverage helps protect you from that bill.
A canceled or delayed flight can make you miss your cruise departure, and the ship won't wait. Coverage can help pay for meals, hotels and the cost to catch up with your trip.
If your bags are lost or don't arrive on time, coverage can help you replace essentials like clothing and toiletries so your vacation isn't put on hold.
Atlantic hurricane season runs June through November. Coverage can help if severe weather cancels or interrupts your trip, as long as you buy before the storm is named.
The best time to buy travel insurance is right after you make your first trip payment. Some of the most valuable benefits, like coverage for pre-existing medical conditions and "Cancel For Any Reason" upgrades, are often only available if you buy within a short window after your initial deposit. Coverage also can't be added once a problem, like a named storm, is already known.
Cruise lines offer their own protection plans, and they can be a good fit for some travelers. Here's how they generally compare to a separate travel insurance plan, so you can choose what's right for you.