Trip Insurance/Cruise Protection

Help ensure your peace of mind while traveling. Consider enrolling in our specially designed Cruise Protection Program. The Cruise Protection Program provides travel insurance coverage and non-insurance assistance services, which can assist in the unfortunate event of certain unexpected emergencies such as travel and baggage delays, illness or injury.

The Cruise Protection Program not only provides reimbursement for penalties that may be assessed due to cancellations for covered reasons, but also provides medical expense reimbursement for accidents overseas, whereas Medicare and other private insurance policies may not. And, if your Trip Cancellation claim is denied due to a pre-existing medical condition, Crystal Cruises® offers Cruise Protection Program participants a "Rollover Credit Feature" that allows you to transfer the cancellation penalty amount to a future cruise.

Highlights of the Program Benefits & Assistance Services

Rollover Credit Feature (Provided by Crystal Cruises)

If your total trip cost and cancellation penalties exceed $50,000 per insured and you have a covered Trip Cancellation, you will be reimbursed $50,000 in cash, plus a future Crystal Cruises Rollover Credit equal to the amount by which the cancellation penalties imposed exceed the $50,000 per insured cash reimbursement. If you do not have a covered Trip Cancellation due to a pre-existing medical condition, you will be reimbursed in the form of a future Crystal Cruises Rollover Credit equal to the amount of the cancellation penalties imposed. In both cases mentioned above, the Rollover Credit will be valid for cruises commencing within twelve (12) months from the date of cancellation. This rollover is non-transferable and not redeemable for cash.

Coverages are underwritten by United States Fire Insurance Company.

Trip Cancellation & Interruption Protection

Coverage up to $50,000 per insured guest for non-refundable cancellation or interruption charges due to covered medical conditions of guests, their immediate family members or traveling companions. In addition, the plan covers certain non-medical reasons affecting the traveler.

Travel Delay

Reimburses up to $2,500 per insured guest for additional accommodations and “catch-up— transportation expenses for covered delays of more than 12 hours.

Baggage/Personal Effects Protection

Reimburses up to $3,000 per insured guest in the event of covered loss, theft or damage during the entire duration of your vacation. There is also a $1,000 Baggage Delay benefit which reimburses for the purchase of covered personal items should your bags become delayed for more than 24 hours.

Medical Protection

Provides coverage up to $20,000 for an accident or up to $20,000 for sickness medical expenses incurred as a result of a covered illness or injury that first occurs during your cruise.

Emergency Medical Evacuation/Return of Remains

In the event of a medical emergency, coverage is provided for emergency medical transportation to the nearest medical facility qualified to treat your condition. In addition, the plan provides coverage for transportation of mortal remains in the event of death. Coverage is provided up to $50,000 per insured guest for Emergency Evacuation/Return of Remains expenses.

24-hour Worldwide Emergency Assistance – Services Provided by On Call International

Provides 24/7 worldwide emergency assistance, including facilitation of cash transfers; pre-cruise health, safety and weather information; travel changes; lost luggage assistance; lost documents assistance; medical consulting and monitoring; legal, dental and medical referrals to overseas doctors or hospitals.

How To Enroll

For your convenience, if you (or your travel agent) has indicated you wish to enroll, the cost of the program, which is based upon your total vacation price, will be included upon your cruise invoice. Payment for this program may not be accepted later than either of the following: final trip payment or commencement of the penalty period. The plan cost will be shown on your deposit receipt. Please ask your travel professional to confirm that your booking is correctly noted by our Reservations Department. Should you decide to purchase the Cruise Protection Program, simply pay the plan cost with your final payment. Trip Cancellation coverage takes effect upon receipt of the Crystal Cruise Protection Program payment. All other benefits take effect upon departure.

This plan provides cancellation coverage for your trip and other insurance coverages that apply only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. If you have any questions about your current coverage, call your insurer, insurance agent or broker.

Important: This is only a brief description of the program. For a summary of the terms, conditions and exclusions, please refer to the Cruise Protection Program which you will receive with your travel documents. The policy provides limited benefits. It does NOT provide basic hospital, basic medical, or major medical insurance.

To obtain your state-specific Certificate of Insurance that contains the complete terms, conditions, limitations and exclusions of the certificate, visit

If you purchased the plan prior to September 1, 2017, please click here to download the Description of Coverage

The protection plan discussed above contains insurance benefits underwritten by the United States Fire Insurance Company. C&F and Crum and Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2016. The plan may also contain a non-insurance Rollover Credit Feature provided by Crystal Cruises, as well as non-insurance travel assistance services which are provided by On Call International. Please see the plan documents for complete terms, conditions, limitations and exclusions that apply. Coverage available may vary and not all coverage is available in all jurisdictions. For LA residents only, please call Aon Affinity at 1-800-453-1090 if you would like to obtain additional information regarding the features and pricing of each travel plan component.