Fly Cruise Insurance for UK Travellers

What Makes Fly Cruise Insurance Different?

Missed Embarkation Cover: If your flight is delayed and you miss your cruise departure, specialist fly cruise insurance will cover the cost of getting you to the next port— including flights, accommodation, and transport.

Protection for Connecting Flights: Many fly cruises involve multiple flight connections. If you miss a connecting flight through no fault of your own, you're covered for the knock-on effects.

Medical Treatment Onboard: Medical care on cruise ships can be expensive. Fly cruise insurance includes emergency medical expenses and repatriation, ensuring you're protected wherever your ship sails.

Cabin Confinement & Itinerary Changes: From being confined to your cabin due to illness to missed ports caused by bad weather, fly cruise insurance compensates you for days and experiences you've lost.

Cover for Cruise & Stay Packages: If your holiday includes hotel stays before or after your cruise, your cancellation cover needs to reflect the total cost of your trip—not just the cruise itself.

What is a Fly Cruise?

A fly cruise is a holiday where you:

• Fly from the UK to an overseas port
• Board your cruise ship abroad
• Often combine your cruise with hotel stays before or after sailing

This type of holiday offers enormous flexibility and opens up destinations that aren't accessible from UK ports. Popular examples include:

• Mediterranean cruises: Fly to Barcelona, Rome, Venice, or Athens to explore the stunning Mediterranean coastline. Visit ancient ruins, sample world-class cuisine, and island-hop across Greece, Italy, Spain, and beyond.
• Caribbean cruises: Miami, Fort Lauderdale, and Barbados are popular embarkation points for Caribbean cruises. Discover turquoise waters, white-sand beaches, and vibrant island culture across destinations like Jamaica, the Bahamas, and St Lucia.
• Alaska cruises: Fly to Vancouver or Seattle to embark on an unforgettable Alaskan adventure. Witness glaciers, spot whales and bears, and sail through the breathtaking Inside Passage.
  
• Dubai cruises: Fly to Dubai to explore the Arabian Gulf, with stops in Abu Dhabi, Oman, and Bahrain. Experience luxury, culture, and stunning desert landscapes.
  
• Asian cruises: Singapore, Hong Kong, and Tokyo serve as gateways to incredible Asian itineraries. From bustling cities to tranquil temples and tropical beaches, Asian cruises offer unparalleled variety.

Fly cruises let you maximise your time exploring destinations rather than spending days at sea getting there — but they also layer additional travel risks that need proper insurance protection.

Missed Embarkation Cover: What Happens if You Miss Your Cruise?

One of the most important elements of fly cruise insurance is missed embarkation cover. This protects you if you can't board your cruise ship on time due to circumstances outside your control.

Common Scenarios

Flight Delayed or Cancelled: Your flight from Manchester to Barcelona is delayed by six hours. By the time you land, your cruise ship has already set sail. With missed embarkation cover, your insurer will pay for:

• A new flight to the next port (e.g., Marseille)
• Overnight accommodation if needed
• Ground transport to reach the ship

Missed Connecting Flight: You're flying from London to Miami via New York. Your first flight is delayed, and you miss the connection. Your cruise departs that evening. Your fly cruise insurance covers the cost of rebooking flights and hotels so you can join the ship at its next stop.

Motorway Accident En Route to Airport: You're driving to the airport when you're caught in a motorway closure due to an accident. You miss your flight and, consequently, your cruise. Missed embarkation cover steps in to get you back on track.

What Does Fly Cruise Insurance Cover?

Fly cruise insurance is designed to protect every aspect of your journey. Here's what's typically included:

• Cancellation and Curtailment: If you need to cancel your holiday before departure or cut it short due to illness, injury, bereavement, or other covered events, you'll be reimbursed for non-refundable costs.
• Emergency Medical Expenses: Comprehensive cover for medical treatment abroad and at sea, including consultations, hospital stays, medication, and emergency procedures.
• Missed Departure / Missed Embarkation: If you miss your cruise due to flight delays, cancellations, or other transport disruptions, your insurer will cover the cost of getting you to the next port.
• Cabin Confinement: If the ship's medical officer confines you to your cabin due to illness, you'll receive compensation for each day you're unable to enjoy the cruise.
• Itinerary Change: If your cruise has to skip a scheduled port due to bad weather or timetable restrictions, you'll be compensated for the missed stop.
• Cruise Interruption: If you're taken ill and need hospital treatment on land, your insurance will cover the cost of rejoining your cruise at the next port—including flights, accommodation, and transport.
• Baggage and Personal Belongings: Protection for lost, stolen, or damaged luggage and personal items, including cover for delayed baggage before you board the ship.
• Pre-Existing Medical Conditions: Specialist fly cruise insurance can cover a wide range of pre-existing conditions. You'll need to declare any conditions during the medical screening process to ensure you're fully protected.
  
  READ MORE: Pre-Existing Medical Cruise Travel Insurance

How to Get a Fly Cruise Insurance Quote

Getting a quote for fly cruise insurance is quick and easy:

• Tell us about your cruise: Enter details of your cruise, but be sure to check the destinations covered and travel dates if you are planning to stay longer than your actual cruise.
• Complete the medical screening: Answer questions about any pre-existing conditions for yourself and your travel companions.
• Compare quotes: We'll show you prices from our panel of specialist cruise insurers, so you can choose the best policy for your needs.
• Buy with confidence: Once you've selected your policy, you'll receive instant confirmation and your documents by email.

Whether you're planning a single trip or multiple cruises throughout the year, we'll help you find cover that protects every part of your journey.

Single Trip or Annual Multi-Trip?

Single Trip Fly Cruise Insurance

Ideal if you're planning one fly cruise holiday. You'll be covered for the specific dates and destinations of your trip. You can easily tailor your destinations and dates to match your holiday.

READ MORE: Single Trip Cruise Insurance

Annual Multi-Trip Fly Cruise Insurance

Perfect if you're planning multiple holidays throughout the year—whether cruises or land-based trips. You'll be covered for unlimited trips (each up to a set duration, typically 31 or 45 days), and you'll only need to buy one policy.

Annual policies can be more cost-effective if you travel frequently, and they offer the flexibility to book spontaneous getaways without worrying about insurance each time.

READ MORE: Annual Multi-Trip Cruise Insurance