According to Squaremouth's "2026 Cruise Insurance Cost Report," the average cost of a cruise in 2026 is nearly $8,000. For roughly between 5 percent and 10 percent of that total, cruisers can protect their trip with a comprehensive cruise insurance policy, with the average cost around $741. With these costs in mind, cruisers may question whether insurance is worth the added expense.
To help cruisers understand if cruise insurance is worth it for them, the experts at Squaremouth break down the most costly out-of-pocket expenses they may face without a comprehensive cruise insurance plan, and how it can cover them:
A Medical Emergency or Evacuation: Most domestic health insurance plans, including Medicare, won't cover you abroad. This can leave you stuck paying for onboard medical costs, which can reach $20,000, depending on the situation. And if your illness or injury is more severe, emergency transportation from a cruise ship to a proper medical facility can cost up to $100,000 or more. A comprehensive cruise insurance plan typically includes Emergency Medical and Medical Evacuation coverage, offering protection during potential medical emergencies. It's recommended that you purchase a cruise insurance plan with at least $100,000 in Emergency Medical coverage and at least $250,000 in Medical Evacuation coverage.
Needing to Cancel or Shorten Your Cruise: It's common for cruises to have a number of prepaid expenses, such as flights, the cruise itself, and excursions. Trip Cancellation insurance can protect 100 percent of your non-refundable expenses if you need to cancel for a covered reason, like an illness or a hurricane preventing you from traveling. For even more flexibility, add-on benefits like Cancel for Any Reason or Interruption for Any Reason allow you to cancel or cut your trip short for any reason.
Missing Your Cruise Departure: Travel delays on your way to the port, including flight cancellations, severe weather, or traffic, can cause you to miss your cruise departure and leave you stuck paying for meals and a hotel. Travel Delay coverage can reimburse these additional costs you incurred. Missed Connection coverage can help cover the costs associated with catching up with your cruise at the next port if your reason for missing it was caused by a covered delay.
I WROTE THIS BEFORE I LEFT
In July of 2024 I did a 7 night tour with Backroads adventure travel. Here is a review and breakdown of that adventure!
Here are some pictures from the trip: Backroads 2024
For those of you not familiar, Backroads tours is a luxury adventure travel company that offers worldwide biking, hiking, adventure tours that incorporate top notch hotels and river cruises. In this instance, we were on AMA Waterways, the AMASonata.
To begin this trip, I took a private tour from Berlin with a stop in Dresden on the way to Prague. This took around 4.5 hours. You could also take the train or fly.
Once in Prague I checked into my hotel, Hotel Klarav a great hotel near Prague Castle. I always recommend this hotel first to people staying in Prague.
I stayed three nights in Prague, it ended up being one of my favorite cities in the world. Absolutely fantastic. While in Prague, I did a city tour on bike that included the Charles Bridge, Old town square with Tyn and St. Nicholas Churches. after riding around and seeing the sights, I met up with some of the other Backroads people to enjoy a local restaurant. The next day, a group of us did a walking tour that included Prague Castle! Ask me about Prague! Its full of adventure.
The first day of the Backroads trip departed the hotel first thing in the Morning. The bus ride was about 90 minutes, we arrived at Tittling, Germany around noon. Backroads had a beautiful lunch set up for us while they discussed safety and biking. After 26 miles of biking, we reached the ship in Vilshofen!