Tailored coverage for a growing market
“Cruise travel offers a unique experience but comes with its own set of risks compared to conventional holidays,” said Meet Kapadia, Head of Travel Insurance at Policybazaar.
He noted that standard travel insurance often excludes cruise-specific incidents such as itinerary disruptions or medical evacuation at sea.
To fill this gap, insurers have launched cruise-specific add-ons, priced around ₹200–₹300, that extend protection to scenarios like delayed departures, onboard medical emergencies, and trip cancellations tied to cruise schedules.
Policybazaar has observed a steady rise in customers opting for these covers, reflecting awareness about tailoring insurance to the mode of travel—be it by air, land, or sea.
How much cruise covers cost
Data indicates wide variations in premiums based on insurer and destination.
For a 30-year-old traveller on a 10-day trip, sample rates show:
| Insurer | Europe (10-day trip) | Asia (10-day trip) |
| ICICI Lombard | ₹ 4,140 | ₹ 1,790 |
| TATA | ₹ 69 | ₹ 69 |
(Source: Policybazaar)
Industry executives say such differences reflect variations in coverage scope and destination-specific risk.
Policies for European itineraries typically cost more due to higher medical and logistical costs, while Asian cruises may attract lower premiums.
Cruise operators build insurance into the experience
Cruise companies are also adapting to changing traveller expectations.
“At Antara, guest safety and peace of mind are integral to the experience,” said Vineet Arora, Chief Operating Officer of Antara River Cruises. “We work with insurers to ensure comprehensive protection for our guests, covering itinerary disruptions and medical contingencies.”
Arora said insurance partnerships are becoming an essential part of the cruise ecosystem as itineraries become more diverse and travellers seek seamless protection.
Domestic cruises add depth and sustainability
Within India, river and backwater cruises are finding their niche among travellers looking for slower, more meaningful experiences.
Spice Coast Cruises by CGH Earth offers handcrafted Kettuvallam houseboats in Kerala’s backwaters—a setting that blends tradition, craftsmanship, and community engagement.
“Post-pandemic travellers want journeys that connect them with local culture and environment,” said Mridula Jose, Vice President of Marketing and Product Development at CGH Earth.
She noted that safety and wellbeing remain central to the company’s philosophy, adding that insurance awareness aligns naturally with a growing sense of responsibility in how people travel.
