Cruise Travel insurance for the over 75

We recommend you request a call-back to discuss your travel insurance needs

As travel insurance brokers we have access to several schemes, not available online, so to make best use of our services, we recommend you request a call-back by selecting the appropriate option in the 'Travel' drop-down menu above. This will enable us to obtain accurate information about your party and trip duration e.g. medical conditions to ensure that the policy you purchase best meets the requirements for your travel insurance.

Cruise Travel Insurance

Now that retirement has taken place, much more leisure time is available - perhaps enough to spend an extended period on a cruise. Maybe the traveller is in receipt of a lump sum from the pension or maybe it is just a case of wanting to ski - spend the kids inheritence! In either case travel insurance will be required once the cruise is booked. over 75 travel insurance can meet the several needs of the elderly.

For many cruises, the insurance requirments for the over 75 will be pretty standard and any travel insurance policy that recognises that the trip is in fact a cruise will be suitable - at least for the minimum requirments of medical cover and cancellation cover. However there are several policies available that are specifically designed for cruises and may give additional benefits e.g. cancellation of on-shore vists.

Only experts or fools should take out insurance online without contacting a broker. Products generally are much worse than through the Broker market as insurance providers cut service in a desperate attempt to sell products on price. Whilst our over 75 travel insurance options include online purchase, OAPs or the elderly should seek our free advice and obtain a recommendation.

As a long-established Insurance broker, B Portwood & Co Ltd have specialised in travel insurance for the over 75 and have access to many schemes who ask whether the trip is a cruise, but a plethora of alternatives are available. We recommend that prospective customers contact us, so we can discuss the covers needed and provide the one most suitable for your trip. Our contact number is : 01388 607140

Further notes on cruise insurance

• The same requirements to disclose medical condtions for all those going on the cruise will still apply. Premiums will be affected by the increased perceived risk of having to cancel the cruise or needing medical treatment (which may, of course necessitate emergency airlift from the cruise liner.)
• Standard insurance policies that ask about cruises will also ask about countries to be visited, or regions of the world where the cruise liner will dock. It is important to note all the countries and to select the highest region (if the travel insurance quotation system does not ask for each) - this will usually be in one of three regions: Europe, Worldwide excluding America (and probably also Canada and the Caribbean) or Worldwide including the USA, Canada and Caribbean.
• Specialist cruise insurance policies may ask specific details of the cruise  and link these into the actual cruise supplier. Some may select any cruise provided the length of the cruise is less than a certain period.
• Which brings up an important point. Cruises can be very expenses, can be booked a long time ahead, which means that there could be a massive cancellation potential liability. A policy that provides £1,000 or even £10,000 cancellation cover is woefully inadequate if the potential cancellation costs are £30,000, £50,000 or even more.
• It is thus important to contact an insurance broker that has access to specialist cruise insurance policies. If unable to provide a quotation immediately they will be able to contact a wholesale broker or underwriter that specialises in cruise insurance.

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B Portwood & Co Ltd are registered in England (785468) and are authorised and regulated by the Financial Conduct Authority for the arrangement and administration of non-investment insurance products. This can be checked on the FCA website or by calling 0800 111 6768. B. Portwood & Co Ltd are also a licenced credit broker.