Cruise NewsActivities on Cruises Not Covered by Travel Insurance

Activities on Cruises Not Covered by Travel Insurance

Travel insurance is an important part of the cruise booking process that prepares travelers for the unknown. However, cruise passengers may not realize that participating in certain activities on a cruise ship can lead to a claim denial.

For example, rock climbing and surfing are commonly excluded. Now cruise lines are offering onboard simulators of these and other activities. So while, in the past, the only worry while on a cruise was overeating or getting a sunburn, there are now a few other things travelers need to consider. Leading travel insurance comparison site, Squaremouth, warns travelers of onboard cruise activities that may not be covered.

Onboard Adventure Simulators

Activity simulators are often a safer alternative but there is still a degree of danger involved, and for this reason, a claim may be denied if the traveler gets hurt while on an onboard activity simulator. Check the activities your cruise ship offers before you choose your travel insurance policy. If there is an activity you know you will want to participate in, look at the policy’s detail to see if it is an excluded activity. If it is, consider the upgraded Hazardous Sports coverage.

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Rock Climbing Wall

Some policies exclude rock climbing and may deny a claim if a traveler has a medical emergency while on a rock climbing wall.

Zip Lining

Some policies exclude zip lining and may deny a claim if a traveler has a medical emergency while zip lining onboard a cruise.

Surfing Simulator

Some policies exclude surfing and may deny a claim if a traveler has a medical emergency while on a surfing simulator.

Intoxication Never Covered

Travel insurance will never cover a traveler if there’s proof that they were intoxicated, no matter what they were doing when they got hurt or became ill. If a traveler is treated for an injury or illness and their medical documentation indicates that they were drinking past the legal limit, the claim will be denied.


Squaremouth compares travel insurance policies from every major travel insurance provider in the United States. Using Squaremouth’s comparison engine and third-party customer reviews, travelers can research and compare travel insurance policies side-by-side. More information can be found at

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Ben Souza
Ben Souza
Ben is a world traveler who has visited 40+ countries, taken over 70 cruises. He is one of USA TODAY's experts for their 10Best Readers' Choice Awards. His writings have appeared and been cited in various media outlets such as Yahoo News, MSN, NPR, CNN, Fox, and ABC News. Ben currently resides in Cincinnati, Ohio. Follow Ben on Instagram. Visit Ben Souza on Linkedin. You may email Ben at [email protected].
Cruise NewsActivities on Cruises Not Covered by Travel Insurance

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