As Indian holidaymakers expand their travel horizons beyond beaches and hill stations to the high seas, insurers are racing to design products that protect them from the risks of cruise travel—from missed ports to medical emergencies miles away from land.

Tailored coverage for a growing market

“Cruise travel offers a unique experience but comes with its own set of risks compared to conventional holidays,” said Meet Kapadia, Head of Travel Insurance at Policybazaar.

He noted that standard travel insurance often excludes cruise-specific incidents such as itinerary disruptions or medical evacuation at sea.

To fill this gap, insurers have launched cruise-specific add-ons, priced around ₹200–₹300, that extend protection to scenarios like delayed departures, onboard medical emergencies, an

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