What does the Cruise Extension cover?

The Cruise Extension provides coverage specifically tailored to cruise holidays, including missed sailings, missed ports, and cabin confinement due to illness. It also covers your formal cruise attire if it is delayed, lost, or stolen.

Cruise Extension | TopDog Travel Insurance

Cruise Extension

Dreaming of endless horizons, relaxing sea days, and exploring new ports? You are not the only one! Cruises are quickly becoming a top choice for travellers seeking a unique getaway. Offering the chance to explore multiple destinations in a single journey, cruises can be more straightforward to plan than traditional beach holidays and come in all varieties.

With TopDog travel insurance, you can embark on your cruise adventure with confidence, thanks to our specialist cruise extension designed for avid cruisers like you! Whether you are planning a sun-soaked island or an epic transatlantic journey, our Cruise Extensions provides added peace of mind so you can focus on making the most of your time at sea.

Why Choose Topdog Cruise Extension?

If you need travel insurance for a cruise holiday, you must purchase our cruise extension to be covered. TopDog’s Cruise Extension is tailored specifically for cruise lovers, helping you make the most of every moment on board and ashore. Here is what is included with our Cruise Extension:

If you miss your sailing, we will cover up to £500
If you are confined to your cabin (per 24 hour/maximum) we will cover up to £50/£500
If your formal cruise attire is delayed we will cover up to £250
If your formal cruise attire is lost or stolen we will cover up to £1,000
If your ships itinerary changes (per missed port/maximum) we will cover up to £50/£7
Up to 31 days worth of cruising cover on Single Trip policies and up to 62 days worth of cruising cover throughout the duration of your Annual Multi Trip policy (if you purchase our optional extension)

All TopDog polices offer additional benefits such as:

Cancellation Protection: Coverage up to £5,000 per insured person (cover levels may vary), if the trip is disrupted or cancelled. This starts on a Single Trip policy as soon as you purchase and begins from the chosen start date of your Annual Multi Trip policy.
Flexible Trip Lengths: Covers trips lasting from 1 day up to 31 days, perfect for long weekends, family holidays, or more extended adventures.
Medical Emergency Cover: Offers up to £5 million in emergency medical cover. Plus, we consider all medical conditions, helping you feel confident in your cover.
Flexible Pricing: Select from various levels of cover to suit your travel needs and budget.
Activities Cover: Over 100 sports and activities covered as standard, so you can enjoy the activities you love, or dive into a new adventure.
Holiday Protection: Includes cover for lost luggage, medical emergencies, cancellations and lost money.

Full terms and conditions are available within your policy documents, upon quote or purchase.

For further information and advice on cruise trips, please click here.

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Travel Suggestions For A Cruise Trip

A Caribbean cruise is the ultimate way to combine relaxation, adventure, and stunning tropical scenery. Sail through crystal-clear waters to vibrant destinations like the Bahamas, Jamaica, and St. Lucia. Relax on pristine beaches, snorkel over colourful coral reefs, or explore lush rainforests and waterfalls. Many cruises offer cultural excursions, like visiting historic sites in San Juan, Puerto Rico, or learning about local traditions in Barbados.

Onboard, you’ll enjoy luxury amenities, from world-class dining to live entertainment and relaxing spa treatments. Whether it’s lounging on deck under the Caribbean sun or discovering a new island every day, this type of cruise offers a perfect blend of relaxation and exploration.

A Mediterranean cruise is a journey through some of Europe’s most historic and picturesque destinations. Start in vibrant cities like Barcelona, Rome, or Athens, where ancient ruins, stunning architecture, and rich cultures await exploration. Sail to the Greek Islands, where you can bask on the sun-drenched beaches of Mykonos or explore the charming streets of Santorini.

In Italy, stops in Naples or Sicily offer a taste of authentic pizza and the opportunity to visit historical sites like Pompeii or the Amalfi Coast. Many cruises also include the French Riviera, where glamour meets stunning coastal beauty in cities like Cannes or Monaco.

With the Mediterranean’s diverse cultures, delicious cuisine, and breathtaking landscapes, a cruise through this region is both relaxing and culturally enriching.

A Scandinavian cruise takes you through Northern Europe’s serene fjords, charming cities, and stunning natural landscapes. Begin in capitals like Copenhagen, Stockholm, or Oslo, where you can explore colourful harbours, royal palaces, and vibrant cultural scenes.

Sail through Norway’s majestic fjords, such as Geirangerfjord and Sognefjord, offering awe-inspiring views of towering cliffs and cascading waterfalls. Stops in quaint coastal towns like Bergen or Ålesund provide a taste of local Nordic charm.

Many cruises also venture to the Arctic Circle, where you might witness the magical Northern Lights or explore remote, snow-covered landscapes. Onboard, enjoy Scandinavian-inspired cuisine and the opportunity to relax in saunas or Jacuzzis while soaking in panoramic views. A Scandinavian cruise is perfect for travellers seeking a mix of natural beauty and cultural experiences.

Frequently Asked Questions

A trip involving a sea or ocean voyage of more than 48 hours duration and including stops at more than one port where transportation and accommodation is primarily on an ocean-going passenger carrying liner, ship or river cruiser. If this sounds like your holiday, then you will need to purchase our cruise extension to be covered for your trip.

Yes, the Cruise Extension includes medical emergency coverage, ensuring you are protected if you need treatment while on board or at any of your ports of call. Our 24-hour emergency assistance service is on hand any time of the day or night, every day of the week.

Yes, the Cruise Extension can be added to both Single Trip and Annual Multi Trip policies. Simply select the Cruise Extension when purchasing or renewing your policy to ensure you have the correct cover in place, from the moment you set sail to your return home.

Your Cruise Extension will not cover you if:

• Where you have not made every attempt to reach the embarkation point in time to board the vessel;

• Where you have not allowed sufficient time (given normal traffic and weather conditions) to reach your embarkation point and check-in on time as shown on your itinerary;

• Where you cannot provide written confirmation from the ships medical officer confirming the reason for, and length of, your confinement to your cabin.

• You did not notify the loss of theft to your transport provider or their handling agents and obtain a Property Irregularity Report (PIR);

• You cannot provide receipts for the purchase of the replacement formal cruise attire.

• You cannot provide written confirmation from the ships bursar or captain confirming the reason for, and the number of, any cancelled port of call visits;

• You were offered an alternative port of call.

Full terms and conditions are available within your policy documents, upon quote or purchase.

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