Providing you aren't travelling against Foreign, Commonwealth & Development (FCDO) advice, any policy sold by Cedar Tree includes cover for a cruise as standard. We also offer a Cruise add-on which provides additional cover for cruise specific risks.
Covered as Standard
Emergency medical expenses (including repatriation/airlift costs)
Cancelling or cutting short your trip
Standard baggage allowance
Covered with the Cruise Add-on
Costs to re-join* your cruise if you arrive late at your initial departure point
Costs to re-join* your cruise if you miss your ship at a port of call
Cabin confinement (due to accident or illness)
Missed port (due to adverse weather or timetable restrictions with no alternative port offered)
Unused excursions (pre-booked, when you've been confined to your cabin)
Increased Baggage allowance
* Costs to rejoin includes reasonable additional accommodation (room only) and public transport costs (economy only) to allow rejoining your cruise if you encounter delays due to the failure of other public transport, an accident to or breakdown of the vehicle in which you are travelling, an accident, breakdown or an unexpected traffic incident happening which causes an unexpected delay, adverse weather conditions or a strike.
All cover highlighted above is due to terms, conditions and exclusions, please see the policy wording for more information. If you have already purchased your policy and would like to add this cover please visit your Customer Zone (subject to terms and additional premium).
We understand that some cruise lines require proof of this cover so we have issued a confirmation of cover letter which you can download by clicking here.
Q: What paperwork and documentation must I provide if I need to make a claim under my Cruise Cover?
A: If you need to file a claim through your online Customer Zone, you must provide specific supporting evidence depending on the type of disruption you experienced:
For All Cruise Claims
Proof of Booking: Your official Tour Operator’s booking invoice or alternative written documentation showing your complete trip itinerary and travel dates.
If You Missed Your Cruise Departure (Missed Departure)
Public Transport Delays: An official written confirmation from the transport company or carrier outlining the exact reason for and the duration of your delay.
Vehicle Breakdown or Accident: A written report from the garage or motoring organization (such as roadside recovery) confirming that breakdown assistance was provided on your way to the port.
Vehicle Maintenance Evidence: Up-to-date copies of your vehicle's service history and/or MOT history to verify the vehicle was properly maintained.
Independent Accommodation Losses: Written confirmation from the provider proving that no refund is available for your privately booked accommodation, alongside your original receipts or evidence of payment.
If Your Ship Skipped a Port or You Were Unwell
Cancelled Port Visits: Official written confirmation from your cruise operator or the cruise line detailing the exact reason your scheduled port visit was cancelled (e.g., adverse weather or timetable changes).
Cabin Confinement Claims: A formal written report from your ship’s medical officer explicitly confirming that you were medically confined to your cabin, including the exact length and dates of your confinement.
Please note: This is a guide to help you prepare your paperwork. Please check your policy wording for the full list of required evidence. All cover is subject to the policy terms, conditions, exclusions, and any applicable excess.
