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You can create and manage quotes online, and buy policies at any time.

Our online portal is available 24/7 for all your policy needs. You can: View your documents, Change your travel plans: dates and destinations, Add travellers, Update your medical history, Add extra cover, and more!

You can access our portal 24/7, without needing to call us.


Cruise Travel Insurance

It's plain sailing with our Cruise Insurance upgrade

Make sure you're covered on board your sea cruise with our Cruise Insurance upgrade.

Coronavirus and your cover
What's covered?
Pre-existing conditions

5 Star Travel Insurance from Admiral

5 Star rated Platinum level Travel Insurance

Our Platinum level cover has Defaqto's 5 Star rating.

Relax and enjoy complete protection

A cruise is a great choice for those who want to sit back and watch the world go by; total relaxation, no hassle and everything in one place.

While there's no arguing a holiday on the open water is a great experience, it can pose a slightly trickier problem if something goes wrong.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

  • you were diagnosed with Covid-19 before your trip was due to start
  • a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
  • you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
  • an insured person or a close relative died during the trip because of Covid-19
  • you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

  • you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
  • any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
  • you have to quarantine after arriving in the UK or abroad
  • the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page. And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Calm seas with Cruise Insurance

By adding our Cruise Travel Insurance upgrade, your travel insurance will be validated while you're on board the cruise ship. You won't be covered for any part of your holiday without the add-on.

What does Cruise Travel Insurance cover?

By adding cruise cover, your Admiral Travel Insurance will cover you for all the holiday essentials such as lost luggage and medical expenses as well as:

Missed port departure

If you miss the departure of your cruise and have to pay for accommodation or travel expenses to get to the next dock, Admiral will cover you up to the limit shown on your policy if the departure was missed due to:

  • Delays or failures to scheduled public transport (excluding taxis)
  • An accident or breakdown of the vehicle you're travelling in
  • An accident or breakdown ahead on the motorway or dual carriageway you're travelling on, causing a delay
  • Strike, industrial action or adverse weather

Cruise cabin confinement

For every 24 hours you're confined to your cabin by the ship's medical officer, for medical reasons (including declared pre-existing conditions) we will pay up to the limit shown on your policy. You must provide written confirmation by the on-board medical officer.

Unused excursions

Don't worry if you miss a pre-booked excursion due to cabin confinement through illness or an accident. We'll pay up to the policy limit for any sickness or accidents covered under the emergency medical and repatriation section of your travel insurance.

Cruise interruption

If you fall ill during your cruise and miss part of it due to needing medical treatment on dry land, we'll pay any travel expenses you have to pay to rejoin the ship (up to the policy limit specified). You'll need to get a medical certificate to confirm.

With all of the above examples exclusions apply – please see your policy guide for more information.

What happens if my cruise holiday is cancelled?

If your cruise is cancelled for any of the reasons below, you'll receive up to £5,000, depending on the level of cover you choose, to cover the costs of your trip:

  • Death, illness, injury or complications of pregnancy or childbirth of you, your travel companion, close relative, close business associate or anyone you planned to stay with
  • Court cases and quarantine if you or your travelling partner, or anyone you planned to stay with, is quarantined, called for jury service or as a witness and the court refuses to reschedule
  • Redundancy cover for you and your travelling partner if either is made redundant from the company you've been employed at continuously for at least 24 months
  • Armed forces and emergency services if you or your travelling partner is a member of the British Armed Forces or the emergency services and has authorised leave cancelled due to an unexpected emergency
  • Home damage you or your companion can't travel if your home is burgled or seriously damaged by a fire, storm or flood within seven days of your departure
  • Passport or visa your passport or visa is stolen in a burglary at your home in the seven days before your departure and you're unable to get a replacement in time

How do I get a Cruise Travel Insurance quote?

Call 0333 234 9913 for an Admiral Travel Insurance quote and ask to add on the Cruise Upgrade, or buy online and select ‘Cruise Upgrade’ during the quote process.

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.

Your pre-existing conditions won’t be covered unless you’ve:

  • Declared them all on your policy
  • Received written confirmation that we’ll cover your medical condition
  • Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Your questions answered

We're sure you'll love our great products but maybe you have a few questions. You can find answers in this section.

Do you need cruise travel insurance?

Admiral's cruise upgrade must be added to your Admiral Travel Insurance policy if you want cover for cruise specific things like missed departures, unused excursions and cruise cabin confinement as these aren't covered by standard travel insurance. We won't cover any claims (including medical) against your cruise holiday without this cover in place.

Are there any age restrictions for getting the cruise cover upgrade?

No, you can get this add-on at any age.

Can I get cruise cover for any part of the world?

Our travel insurance and upgrades cover pretty much everywhere in the world except for countries the Foreign & Commonwealth Office advises against 'all travel' or 'all but essential travel'. You can see the full list on the Foreign & Commonwealth Office website

I'm an expat, can I get the cruise cover upgrade?

No, in order to buy Admiral Travel Insurance and its upgrades you must be a permanent resident of the UK, travelling from and returning to the UK.

Am I insured if I take part in excursions and water sports during my cruise?

Your Admiral Travel Insurance policy covers you for a wide range of sports and activities including jet skiing, parasailing, windsurfing and snorkelling. For the full list of activities we cover please see your policy booklet.

Do you need travel insurance for a cruise?

If you’re going on a cruise, you must add on our Cruise cover upgrade to your travel insurance. Without it, your trip won’t be covered at all. 

Can I get cruise travel insurance with a pre-existing condition?

You can get our Cruise Travel Insurance if you have pre-existing conditions, but you need to make sure you declare them all when you’re buying your travel insurance. Read more about travelling with medical conditions.

Do I need cruise insurance for a river cruise?

Our Cruise Travel Insurance covers you if you’re taking a sea cruise, but it’s not needed if you’re going on a river cruise. If you’re going on a river cruise, your standard travel insurance will cover you.

When should I buy travel insurance for a cruise?

It’s a good idea to buy your Cruise Travel Insurance as soon as you book your cruise. That way, if you have to cancel your cruise before you’re due to travel, you’ll be able to claim your costs back.

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Getting the most out of your trip

Going anywhere nice?

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Travel Insurance upgrades

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.