Below is our approach to investigate and analyze travel insurance companies to guide possible consumers. US News & World Report qualifies the best cruise travel insurance plans to help travelers determine which policy will help you protect your investment in your vacation on the cruise trip.
To determine the best cruise travel insurance, we first toured the website for all suppliers that offer travel insurance plans. In total, we evaluate 41 companies. To be considered for the best cruise travel insurance rating, a company must be available to US residents; You must allow anyone to buy travel insurance; and must specifically offer travel cancellation and interruption protection. We collect data on these travel insurance companies in multiple sources:
- Professional qualifications and reviews: Our travel insurance qualifications take into account the main sources of credible experts that have examined and recommended specific travel insurance plans and plans. These expert sources are reviewed annually before data collection begins to ensure that they are offering updated information and praise. Our team reviewed the methodologies of these points of sale of experts to search for classifications based on data that were editorially independent. There are nine sources of experts that are considered in the 2025 grades, including Nerdwallet, Business Insider and USA Today, among others. Professional sources often recommend different options. US News believes that it benefits consumers to group and analyze independent reviews as a group, to take into account multiple data sources and provide the most solid look to the main travel insurance companies. To be considered a better cruise travel insurance company, the supplier must appear in a minimum of three expert lists. Our team has the number of praise that a travel insurance company receives from these nine sources of experts and turns them into points. The points won for the number of praise are described below:
- 8 or more praise: 5 points
- 5 to 7 praise: 4 points
- 3 to 4 praise: 3 points
- 1 to 2 praise: 2 points
- Consumer qualifications and reviews: US News also investigated the grades of consumers published on travel insurance companies. Our research team collected and analyzed Squaremouth and Tustpilot review data, which are independent third -party review sites that collect verified reviews of travel insurance users. Travel insurance companies must have at least 20 reviews on one of these sites to be considered. Suppliers must have a consumer rating score (the average rating of the two review sites) of 3.5 or more to make the best cruise travel insurance list.
- Credit qualification: AM Best provides financial strength grades of insurance companies that indicate that suppliers are more likely to resist the important interruptions of global travel. Only travel insurance companies are considered with a rating to or better for this qualification. The points won for the best grades of the AM are detailed below:
- A ++: 5 points
- A+: 4.5 points
- A: 4 points
- A-: 3.5 points
- Specific cruise plans and benefits: Cruises will want travel insurance that offers exclusive specialized coverage for cruise problems, such as reimbursement of cruise inability, deviations and changes in the itinerary; and lost tours or excursions; In addition to important standard coverage for the cancellation and interruption of the trip. To qualify for this qualification, a travel insurance company must offer a specific cruise plan that provides a minimum of:
- Lost connection coverage
- Itinerary change coverage
- Prepaid excursions reimbursement
- Disability of travel or cruise disability coverage
The general qualification is the average professional qualification, consumer qualification and credit rating scores. Travel insurance companies with a general rating of 3.5 or more and a specific cruise travel insurance plan with the aforementioned coverage obtained the rating of the best 2025 cruise travel insurance plans.
(Tagstotranslate) Erin Evans (T) Nicola Wood (T) Rachael Hood (T) Travel insurance
