Before You Set Sail, Check Your Coverage
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You packed the swimsuits, planned the excursions, and bookmarked the cruise tips. Now make sure you have coverage for the unexpected, from medical needs while traveling to trip disruptions before or during your vacation.
Great for Trips like:
Cruises • Mother-Daughter Trips • Hidden Gem Expeditions • Family-Friendly Adventures • Bucket List Vacations • International Getaways
Helps with:
On-Cruise Medical Needs • Emergency Care Abroad • Medical Coverage in International Ports • Trip Cancellation • Trip Delay • Trip Interruption • Lost or Delayed Baggage
Do I need travel insurance if I’m going on a cruise?
Cruises are one of the easiest ways to see multiple destinations in one trip, but they also come with a lot of prepaid costs: cruise fare, flights, hotels, excursions, tours, and transportation. If something unexpected happens before you leave or while you’re away, those costs can be hard to recover without the right coverage.
Trip cancellation coverage helps protect your prepaid, non-refundable trip investment if your plans are canceled, delayed, or interrupted for a covered reason. It can also help with travel medical coverage in U.S. waters or "domestic" destinations like Puerto Rico or the U.S. Virgin Islands. International travel medical coverage helps protect you if you get sick or injured, or need emergency medical care while traveling internationally.
Whether you’re setting sail, boarding a plane, or exploring a new country, MissionSafe can help you think through the coverage that fits your trip.
Why Trip Cancellation Coverage
Trip cancellation coverage helps protect the money you have already spent on your trip. If you need to cancel, delay, or interrupt your trip for a covered reason, this coverage may help reimburse eligible prepaid, non-refundable costs. This can be especially helpful for cruises because so much of the trip is often paid in advance, including the cruise fare, flights, hotels, excursions, and add-on experiences.
Trip cancellation plans offer travel medical benefits. These can apply both internationally and in U.S. waters or "domestic" destinations like Puerto Rico or the U.S. Virgin Islands.
Protection for your Travel Investment
Because plans (and prices) change fast.
Trip Cancellation Protection
Coverage for the “we can’t go” moment.
Trip Delay Protection
Help with unexpected costs, hotels, meals, and waiting.
Trip Interruption Support
For when your trip unexpectedly ends early or you need to get home.
Baggage Protection
Coverage for lost, delayed, or damaged bags.
Why International Medical Coverage
Adding international travel coverage is a good idea if your travels take you into international waters or foreign ports and countries. Domestic medical coverage may be limited or unavailable outside the U.S and in international waters. A doctor visit onboard, care in a foreign port, emergency transportation, or follow-up treatment can quickly become confusing and expensive.
Travel medical coverage is designed for the unexpected health needs that can happen while you’re away from home. For cruise travelers, this may include illness or injury onboard, medical care in an international port, emergency coordination, or transportation support. These plans offer higher coverage amounts and more benefits than the travel medical included in trip cancellation plans.
Peace of Mind
Know that your family and loved ones are covered in the event of an emergency.
Emergency Evacuation Help
Support coordinating urgent transport when it matters most.
Help Finding Care
Need medical care overseas? MissionSafe has resources to help you find top-tier medical facilities and providers.
Adventure-Friendly Options
Coverage options to match how you actually travel.
Support and Care after you are Home.
Continuation of care and claims guidance for what comes next.
Frequently Asked Questions
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What is the difference between travel medical coverage and trip cancellation coverage?
Travel medical coverage is designed to help with new illnesses, injuries, accidents, and emergency medical needs while you are traveling internationally. Trip cancellation coverage helps protect eligible prepaid, non-refundable trip costs if your trip is canceled, delayed, or interrupted for a covered reason.
Many trip cancellation plans also have travel medical benefits. These can apply both internationally and in U.S. waters or "domestic" destinations like Puerto Rico or the U.S. Virgin Islands.
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Do I need both travel medical and trip cancellation coverage?
It depends on your trip and your concerns. If you mainly want help with medical care while traveling internationally, travel medical coverage may be the priority. If you have significant prepaid costs like cruise fare, flights, hotels, or excursions, trip cancellation coverage may also be worth considering.
Some trip cancellation plans include certain emergency medical benefits, but the amount and type of medical coverage can vary by plan. MissionSafe can help you compare options and decide whether trip cancellation coverage, travel medical coverage, or both make sense for your trip.
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Why is trip cancellation coverage helpful for cruises?
Cruises often involve large upfront expenses. You may pay for the cruise, flights, hotels, transportation, excursions, and travel add-ons before you ever leave home. Trip cancellation coverage may help reimburse eligible prepaid, non-refundable costs if your trip is canceled, interrupted, or delayed for a covered reason.
The travel medical coverage included in some trip cancellation plans can also help with medical care while traveling, whether your destination is in domestic ports or international waters.
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When should I buy trip cancellation coverage?
It is best to look at trip cancellation coverage as soon as you make your first trip payment or deposit. Some benefits, including certain pre-existing condition waivers or Cancel For Any Reason options, may only be available if coverage is purchased within a specific timeframe after the initial trip payment.
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Why do I need travel medical insurance?
Standard domestic health insurance plans often provide limited or no coverage once you cross international borders. International travel medical insurance is a vital component of international travel planning. Securing a dedicated plan provides a safety net for your health and finances in the event of illness or injury, allowing you to focus on your journey with peace of mind.
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When should I purchase my travel medical insurance?
You should secure your coverage as soon as your travel dates are confirmed and before you leave your home country. For the best experience, we recommend booking early so you can access your Traveler’s Toolbox and emergency resources before you depart.
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What makes MissionSafe different from the insurance I see online?
MissionSafe operates as a white-glove partner rather than a generic retail insurance provider. We treat every traveler as a person, not just a policy number, by acting as a human-centered advocacy and risk-management partner. Our team helps you navigate complex responsibilities before, during, and after your trip through dedicated preparation and real-world guidance. This partnership includes Human Claims Advocacy, where real people provide personalized guidance and navigation throughout the documentation and claims process.
- I still have questions! Who do I talk to?
Whether you’re setting sail on a cruise, flying overseas, planning a family vacation, booking a girls’ weekend, or finally taking that bucket-list trip, MissionSafe helps you prepare for the unexpected before you go.
Protect your health. Protect your plans. Travel with Peace of Mind.
However you travel, make sure you're covered.
This website is intended as a brief summary of benefits and services. It is not part of your plan document and does not contain a complete summary of your coverage. If there is any difference between this website and your plan document, the provisions in the plan document will prevail. Benefits and premiums are subject to change. Coverage may vary and may not be available in all locations.
