Key Aspects:
- Royal Caribbean has increased the policy limits for its travel protection program.
- For example, limits for emergency sickness and medical coverage have risen from $25,000 to $100,000 automatically.
- The increased coverage will be automatically applied to purchased policies at no extra cost.
When it comes to travel insurance, Royal Caribbean is offering its guests more bang for their buck.
During a time of rising medical costs, travel disruptions, and severe weather events, Royal Caribbean has made the decision to increase the protection offered by its travel protection plan.
At least for guests who have already purchased policies, the added coverage is free. Typically, policies cost between $79 to $149 per person, depending on the total cost of their cruise vacation.
“You get these enhanced benefits at no additional cost. Your plan price is not changing – you’re simply getting more coverage for the journey ahead,” Royal Caribbean wrote in a letter to passengers, which has been circulating on social media.
The increased coverage joins additional existing perks that automatically come with Royal Caribbean Travel Protection, including 24/7 emergency assistance and trip interruption coverage.
Royal Caribbean’s policy also includes a non-insurance cancellation coverage feature, which allows cruisers to cancel their sailing for a variety of reasons and receive a full refund of their unused prepaid trip cost.
If guests cancel for a reason that is not officially covered, they may still be able to get a cruise credit worth up to 90% of their cruise fare to put toward a new sailing.
What’s Changing & Why It Matters
Specifically, the policy limits for emergency sickness and emergency medical coverage are increasing from $25,000 to $100,000 each. These benefits are meant to reimburse cruisers who become sick and require urgent treatment.
At least in the US, most standard health insurance plans will not cover medical care received while at sea or while visiting foreign ports.
Next, medical evacuation coverage has shot up from a limit of $50,000 to $500,000. This is very important, as emergency transfers via ambulance, helicopter, or other medical aircraft can cost thousands.
For example, Cruise Hive once reported on a mother of six who got stuck in the Caribbean due to a medical event. She had to start a GoFundMe to cover the medical bills and the $28,000 ambulance ride from the ship to the hospital.
Additionally, it’s not unheard of for cruise guests who are being medically evacuated to be slapped with a bill on their way out.
In 2024, for example, a couple was handed a $2,500 bill while being disembarked onto a rescue boat after one spouse suffered from seizures during a Royal Caribbean sailing.

The bill covered the cost of onboard medical treatment, including anticonvulsant medication, blood gas testing, and observation, among other services.
Last but not least, Royal Caribbean has increased the coverage for lost or damaged baggage and personal effects from $1,500 to $3,000.
This is a big jump, especially compared to Royal Caribbean’s standard luggage liability limits. Guests who do not invest in insurance through the cruise company (or another vendor) can usually only recoup up to $300 per person for lost, stolen, or damaged luggage.
Guests Celebrate the Change
It’s hard to be mad about getting a greater benefit for the same cost, and Royal Caribbean guests were happy to see the coverage increase.
One future guest of Celebrity Cruises, which is owned by Royal Caribbean Group, was looking into obtaining additional medical coverage because they felt the old version of the program was lacking. They no longer need to do this.
“I purchased the insurance they offered when I booked…I was going to get additional medical insurance. I was actually talking about it yesterday,” they shared on Reddit.
“Makes the price of the protection much easier to spend knowing I’ll be fully covered now if something big happens,” another reacted.
Royal Caribbean’s travel insurance can be added online or by calling the cruise line during or after the booking process all the way up until the final payment due date.
Though Royal Caribbean sells the policy, the benefits are administered by Aon Affinity and underwritten by Arch Insurance Company.
That said, it is also not mandatory to purchase the travel protection to cruise. Guests can shop around with other vendors or choose to sail without any insurance if they feel it is not necessary.








