Cruise Travel Insurance for Your Pre-Existing Medical Condition
Setting Sail on a Cruise with a pre-existing medical condition shouldn't stop you from exploring the world. At Able2Travel, we believe everyone deserves to sail with confidence. Get the trusted cruise holiday cover you need for peace of mind with Able2Travel.
How We Support Your Journey at Sea
Our cruise travel insurance is designed to provide trusted cruise holiday cover, ensuring you're protected for both your health and the unique needs of a cruise.
- Emergency Medical Expenses – up to £10 million per person
- Trip Cancellation Protection – up to £5,000 per person
- Baggage Cover – up to £3,000 per person
- Mobility & Disability Equipment Cover – Up to £1,500 per person
- Enhanced Cruise Cover - For missed port departure, cabin confinement, and unused excursions.
Why You Should Choose Able2Travel
Able2Travel is proud to be a multi-award-winning product. Our Trusted Service Awards from Feefo reflect our focus on providing reliable cover and exceptional service to our customers.
But going further than just the awards, we're trusted for our caring and personal approach. We ask the right questions to help you choose the right cover, ensuring you get supportive cover for your needs, without the unnecessary stress.
Frequently Asked Questions
1. What Medical Conditions Are Covered?
We cover a wide range of declared medical conditions. Examples include:
- Cancer: Breast Cancer, Prostate Cancer and more
- Respiratory Medical Conditions: Asthma, COPD, Pulmonary Fibrosis
- Chronic Conditions: Diabetes, Epilepsy, Disability
- Heart Conditions: Atrial Fibrillation, Heart Disease, High Blood Pressure
- And Many More...
2. Is Cruise Travel Insurance Valid for Different Types of Cruises?
Yes. Our travel insurance covers both ocean and river cruises, providing the protection you need whether you're sailing the high seas or a scenic river.
3. Is Cruise Travel Insurance Available for UK Cruise Trips?
Absolutely. When getting your quote, simply select 'Area 1' (UK cover) to ensure your UK cruise trip is fully protected.
How Do I Get Cover?
Getting a travel insurance for a cruise quote is a straightforward five-step process:
- Enter trip details – Destination, dates, and travellers
- Complete medical screening – Declare any health conditions
- Get your quote – See your personalised price.
- Compare cover levels – Choose the policy that suits you best.
- Add optional extras – Enhance with our specific cruise cover option.
Able2Travel Travel Insurance - Policy Features
Able2Travel Travel Insurance offers 3 levels of travel insurance cover for both Single Trip and Annual Multi-trip travel insurance policies, enabling you to pick a policy that is suited for your individual needs.
The Able2Travel Travel Insurance policy features table below will help you understand the different features on Single and Annual Multi-Trip travel insurance policies depending on the level of travel cover that you choose.
|
Single Trip Policy Features |
|||
|
Silver |
Gold |
Platinum |
|
| Maximum age at date of departure for Areas 1, 2, 3 & 4 | No Limit | No Limit | No Limit |
| Maximum age at date of departure for Area 5 | 79 | 79 | 79 |
| Maximum period per Trip if aged 65 years or under | 365 Days | 365 Days | 365 Days |
| Maximum period per Trip if aged 66 to 79 years | 45 Days | 45 Days | 45 Days |
| Maximum period per Trip if aged 80 to 85 years in all areas excluding area 5 | 31 Days | 31 Days | 31 Days |
| Maximum period per Trip if aged 86 years and over in all areas excluding area 5 | 23 Days | 23 Days | 23 Days |
| Maximum period per Trip if aged 80 years and over in area 5 | No Cover | No Cover | No Cover |
|
Annual Multi-Trip Policy Features |
|||
|
Silver |
Gold |
Platinum |
|
| Maximum age at start date of the period of cover shown on Your certificate | 79 | 79 | 79 |
| Maximum period per Trip if aged 65 years or under | 31 Days | 31 Days* | 31 Days* |
| Maximum period per Trip if aged 66 to 75 years | 31 Days | 31 Days** | 31 Days** |
| Maximum period per Trip if aged 76 to 79 years | 31 Days | 31 Days | 31 Days |
| Business Travel Included | Yes | Yes | Yes |
| Trips within your country of residence (refer to definition of trip for further information) | Included | Included | Included |
| Family members can travel separately if named on Your certificate | No | No | Yes |
| Winter Sports (Activity pack 5) upon payment of an additional premium and shown on Your Policy Certificate - up to total maximum of | 21 Days | 21 Days | 21 Days |
*Available to extend to 45 days or 60 days for an additional premium.
**Available to extend to 45 days for an additional premium.
NB: There is No Age Limit on Single Trip Cover for areas 1-4 and up to 79 years of age for area 5.
NB: Able2Travel can only offer Annual Multi-Trip Cover for people up to the age of 79.
Policy Summary:
- Choice of 3 Levels of Cover - Silver, Gold and Platinum
- Emergency Medical Cover - up to £10 million
- Personal Liability - up to £2 million
- Trip Cancellation - up to £5,000
- Baggage - up to £3,000
- Travel Delay & Missed Departure - up to £1,000
- Personal Money - up to £500
- 24 Hour Medical Assistance Helpline
- Optional Extra Cover Available - Cruise Cover & Sports Cover
Get a Quote
Important Information for Customers with Serious Medical Conditions
MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.