Table of Contents:
- About This Insurance
- Simple Assessment Form
- Benefits
- Conditions
- Coverage
- Premium Rate
- Policy Changes After Issuance
- Real-Case Examples
- FAQ
- Government of Canada Travel Advice & Alerts
About This Insurance
For many Canadians, cruising is the perfect way to explore foreign coastlines. However, cruises come with their own unique set of risks—from medical emergencies during the trip to missed ports and weather-related delays— which can disrupt your plans and lead to costly consequences. Many cruise lines even require proof of travel insurance before departure, especially for seniors or individuals with pre-existing medical conditions.
So, if you’re planning a cruise or traveling as part of a group, make sure to purchase travel insurance before leaving Canada—including both medical and non-medical coverage (such as trip delays, flight cancellations, or lost luggage)— and travel with peace of mind. .
At Rahimian Insurance, we we partner with leading Canadian insurance companies to offer you the best travel insurance plans. Whether you’re planning a weekend getaway or a multi-country trip, travel with confidence with us.
Simple Assessment form
To choose the best and most suitable insurance and to receive an accurate quote, please complete the form below.
***Why is it important to provide accurate personal information in the insurance form? ***
Benefits
- Coverage for medical expenses and hospitalization
- Covers medical costs while boarding or disembarking from the cruise ship
- COVID-19 coverage
- Air ambulance services
- Outpatient treatment expenses
- Prescription drugs and medical supplies
- Emergency dental treatment
- Medical evacuation or repatriation of the insured person
- Therapy services such as physiotherapy, massage therapy, and chiropractic care (if prescribed by a doctor)
- Vision and hearing care
- Reimbursement for trip cancellation, lost or damaged luggage
- Compensation for flight delays
- Compensation for lost baggage
- Repatriation of remains
- 24/7 customer support service
Conditions
- Suitable for all age groups
Coverage
This insurance provides coverage ranging from $5 to $10 million and typically includes the following:
- Emergency medical care at sea and at port
- Trip cancellation and interruption
- Missed connection or missed departure
- Baggage loss, theft, or delay
- Emergency evacuation from ship or remote areas
- Coverage for stable pre-existing conditions (if eligible)
Coverage Type Table
| Coverage Type | What’s Included |
| Emergency Medical | Hospitalization, physician fees, prescriptions, medical evacuation, and more |
| Trip Cancellation/Interruption | Reimbursement for non-refundable travel expenses if your trip is cancelled or cut short |
| Baggage Loss or Delay | Compensation for lost, delayed, or stolen luggage |
| Cruise-Specific Benefits | Includes missed ports, ship evacuation, itinerary changes |
| All-Inclusive Packages | Combines medical, trip cancellation, baggage, and more |
| COVID-19 Travel Protection | Includes testing, quarantine, or cancellation due to COVID-19 (if available) |
In addition to the standard coverage, the following additional coverages are also available:
Pre-existing Medical Conditions Coverage
Many insurance companies now offer coverage for pre-existing conditions, provided that the condition is considered stable. A condition is deemed “stable” if, during a specified period (usually 90 to 180 days prior to travel), there have been no new symptoms, treatment changes, or adjustments in medication.
Air Ambulance Service for Cruise Ships
Although cruise ships are equipped with medical facilities, they may not be suitable for handling serious health or medical emergencies. Our marine travel insurance includes coverage for transferring you to the nearest appropriate medical facility or returning you to a hospital in Canada.
Trip Cancellation or Interruption
If your cruise is unexpectedly canceled, our travel insurance will cover the cost of your non-refundable ticket. For instance, if you suffer a serious injury or illness during a flight—or before your cruise—and are unable to board the ship, our travel insurance will cover the cost of your early return to the country.
Premium Rate
The daily premium for this cruise travel insurance starts from $2.21 and varies depending on:
- Age
- Coverage amount
- Deductibles
- Health conditions
- Insurance provider
Policy Changes After Issuance
Changes are usually possible after the policy has been issued.
Real-Case Example
FAQ
What are the characteristics of a Good Travel Insurance Policy?
- Easy to purchase.
- Flexible and adjustable to fit your changing plans.
- Tailored to your needs, age, health condition, and trip duration.
- Offered by a reputable and trustworthy provider
- Provides 24/7 medical assistance, so you can rely on it in emergencies
- Often purchasable as a family plan, although travel insurance is calculated based on individual details.
Government of Canada Travel Advice & Alerts
Travel advisories and recommendations provided by the Government of Canada help you make informed decisions and travel more safely while outside Canada.
Please check the travel advisory page for your destination regularly, as safety and security conditions may change.
For more information, visit the official Government of Canada website
