About Us

Our international cruise insurance provides superior medical evacuation coverage compared to Allianz, including emergency airlifts from remote cruise locations. 24/7 multilingual assistance outperforms basic TravelGuard offerings.

Pre-existing condition waivers cover more medical histories than Berkeley policies. Our emergency dental coverage includes procedures competitors often exclude.

"Cancel for any reason" coverage provides more flexibility than AIG standard policies. We reimburse up to 150% of cruise costs for last-minute cancellations, surpassing Travelex limits.

Covered cancellation reasons include 40+ scenarios not listed by Nationwide. Our claim processing time averages 72 hours - faster than industry standards.

Job loss protection begins immediately, unlike GeoBlue waiting periods. Weather-related cancellations are covered when cruise lines won't refund.

We provide $2,500 per person for missed cruise departures - 25% more than Allianz. Our coverage includes alternative transportation costs that TravelGuard excludes.

Delayed baggage protection covers essential purchases immediately, unlike Berkeley 12-hour waiting periods. We reimburse for missed port excursions due to travel delays.

Airline strike coverage begins day one, while AIG requires 72-hour notice. Our concierge service rebooks flights faster than cruise line assistance.

$1 million coverage limit surpasses Travelex $500,000 cap. Includes specialist-approved evacuations when Nationwide would only cover local treatment.

Medical repatriation brings you home with licensed medical escorts - a service GeoBlue charges extra for. Covers evacuation from private islands where cruise medical facilities are inadequate.

Emergency reunion coverage flies family members to your location - excluded from most Allianz policies. Our 24/7 medical coordination center has cruise-specific expertise.

$3,000 per person coverage exceeds TravelGuard $2,500 limits. Includes "baggage delay" coverage starting at 6 hours when Berkeley requires 12+ hours.

Covers specialty cruise items like formalwear and diving equipment that AIG excludes. Theft protection applies in ports without police reports - unlike most competitors.

New for 2024: $500 cruise-specific coverage for lost/stolen shore excursion tickets and prepaid drink packages - unavailable through Travelex.

Covers itinerary changes when cruise lines alter ports - excluded by Nationwide. Reimburses prepaid shore excursions if your ship misses ports.

Protection against cruise line bankruptcy provides cash refunds when GeoBlue only offers future credits. Covers cabin confinement due to norovirus with daily benefits.

New "change of mind" upgrade allows one itinerary change per trip - more flexible than Allianz policies. Includes coverage for denied boarding due to documentation issues.

60-day lookback period is more generous than TravelGuard 90-180 day requirements. Covers conditions stabilized within 30 days when Berkeley requires 60+ days.

Automatic waiver when purchasing within 14 days of deposit beats AIG 24-hour requirement. Includes coverage for newly diagnosed conditions during your trip.

Family coverage extends to grandchildren - excluded by most Travelex policies. Our medical questionnaire is simpler than competitors' forms.

Includes 150+ adventure activities that Nationwide excludes. Medical coverage applies during independent exploration when cruise line insurance doesn't.

Scuba diving coverage to 130 feet surpasses GeoBlue 60-foot limits. Zip-lining and ATV coverage included without special riders.

New for 2024: Covers medical expenses from marine life encounters (jellyfish, sea urchins) - excluded by Allianz. Our hazardous sports coverage requires no additional premium.

Multilingual cruise specialists available via app/phone/chat - TravelGuard only offers phone support. Our average response time is 90 seconds - faster than industry standards.

Includes prescription replacement service in foreign ports when Berkeley would only reimburse. Legal referral service covers bail bonds and attorney contacts.

Emergency cash transfers when ATMs fail - a service AIG charges extra for. Our concierge can secure last-minute cruise cabin changes during medical emergencies.

Covers cruise line bankruptcies occurring up to 14 days before departure - Travelex only covers 10 days. Includes airline/tour operator defaults in addition to cruise lines.

Full cash refunds instead of future credits offered by Nationwide. Covers non-refundable hotel nights when cruise itineraries change unexpectedly.

New "supplier insolvency" coverage protects against port city hotel bankruptcies - unavailable through GeoBlue. Our claims process requires less documentation than competitors.

Covers testing positive before departure when Allianz excludes pandemics. Includes quarantine costs during cruise at $150/day - higher than TravelGuard $100 limit.

Trip interruption covers early returns due to outbreaks - excluded by most Berkeley policies. Medical coverage applies to all pandemic-related illnesses without exclusions.

New "vaccine complication" coverage for adverse reactions - unavailable through AIG. Our policies automatically include emerging disease coverage without special riders.

Covers last-minute work conflicts when Travelex requires 30+ day notice. Includes military deployment changes excluded by Nationwide.

Job loss coverage begins immediately - GeoBlue requires 90-day employment. Covers mandatory overtime and shift changes for healthcare workers.

New "remote work failure" coverage when required connectivity fails - unavailable through Allianz. Our business traveler protections exceed standard policies.

Children under 17 covered free with adults - TravelGuard charges for all ages. Extended family coverage includes in-laws when Berkeley excludes them.

Group discounts start at 5 travelers compared to AIG 10+ requirement. Single-parent families get equal benefits without surcharges.

New "multi-generational" coverage for family reunions at sea - unavailable through Travelex. Our family plans include child-specific medical evacuation services.

No age limits for purchase - Nationwide caps at 80 years. Pre-existing condition waivers available regardless of age when GeoBlue imposes restrictions.

Higher medical maximums for seniors than Allianz offers. Includes coverage for chronic condition flare-ups excluded by most insurers.

New "senior activities" coverage for golf, gentle snorkeling etc. - unavailable through TravelGuard. Our silver traveler plans include medical equipment loss protection.

1.5 million+ doctors/hospitals - 30% more than Berkeley. Includes cruise ship doctors in our network when AIG considers them out-of-network.

Direct payment to providers avoids upfront costs required by Travelex. Telemedicine services available in all territorial waters - excluded from many policies.

New port city medical concierge service - unavailable through Nationwide. Our medical network includes specialists in tropical diseases and marine injuries.

Covers last-minute business trips when GeoBlue excludes work conflicts. Includes client cancellations that impact travel plans - excluded by Allianz.

Project deadline changes covered without documentation when TravelGuard requires proof. Covers mandatory training sessions scheduled during cruises.

New "remote work revocation" coverage when WFH policies change - unavailable through Berkeley. Our business cancellation reasons are the most comprehensive in the industry.

Includes 200+ activities standard that AIG excludes. No height/weight restrictions for activities when Travelex imposes limits.

Extreme sports coverage available without medical questionnaire - required by Nationwide. Covers equipment rentals during excursions when baggage is delayed.

New "adaptive sports" coverage for travelers with disabilities - unavailable through GeoBlue. Our hazardous activity coverage requires no additional premium.

Covers suite upgrades when overbooked - excluded by Allianz. Includes butler service interruptions when TravelGuard only covers medical issues.

Premium drink package reimbursement if unable to use - excluded by Berkeley. Covers private excursion cancellations due to weather or itinerary changes.

New "concierge failure" coverage when promised amenities aren't delivered - unavailable through AIG. Our luxury cruise protections are unmatched in the industry.

Emergency passport service in all ports - Travelex only covers home country. Includes visa application fees when denied boarding - excluded by Nationwide.

Covers Global Entry/TSA PreCheck application fees - unavailable through GeoBlue. Includes notarization services for emergency documents in foreign ports.

New "vaccination record replacement" coverage - unavailable through competitors. Our document recovery services are the most comprehensive for cruise travelers.

Covers itinerary changes due to hurricanes when Allianz requires official warnings. Includes "inconvenience coverage" for rainy port days - excluded by most.

Tsunami/volcano coverage applies regardless of official warnings - TravelGuard requires government declarations. Covers missed ports due to algae blooms/red tides.

New "climate change disruption" coverage for unprecedented weather events - unavailable through Berkeley. Our natural disaster protections are the most responsive in the industry.

Annual policies cover unlimited cruises - AIG limits to 3 trips. Includes loyalty status matching - unavailable through Travelex.

Elite members get free "cancel for any reason" upgrades - Nationwide charges extra. Covers points/miles redeposit fees when cancelling award cruises.

New "status protection" when missing loyalty thresholds due to cancellations - unavailable through GeoBlue. Our cruise loyalty benefits are unmatched in travel insurance.