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What are the benefits of a cruise holiday? What routes are available for cruises departing from Hong Kong?
For most travel insurance policies, cruise cover is an optional add-on.
Cruise insurance vs travel insurance with cruise cover add-on vs standard travel insurance
Points to note before purchasing cruise insurance
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[Cruise Insurance] More comprehensive than standard travel insurance, covering shore excursion cancellations and satellite phone charges.
After the busy pace of work, Hong Kong people often need a trip to relax and unwind. There are different ways to experience a country, depending on personal preference. Some people like independent travel, while others prefer joining a tour group. If adults need to travel with young children or elderly family members, taking a cruise and enjoying a sea holiday is also a good choice.
With more international cruise lines using Hong Kong as their home port, there are more opportunities to choose cruise travel. Before setting off, remember to purchase insurance specifically designed to provide cover for cruise travel. In fact, general 旅遊保險, travel insurance with additional cruise cover, and cruise insurance designed specifically for cruise travel are different. What are the differences between the three? How do their prices compare? This article answers these questions one by one.
What are the benefits of a cruise holiday? What routes are available for cruises departing from Hong Kong?
Cruise itineraries are relatively relaxed, as travellers can satisfy their needs for food, drink and entertainment on board. At the same time, whenever the cruise arrives at a destination, passengers can disembark to sightsee.
For example, Royal Caribbean Cruises’ Spectrum of the Seas and Celebrity Cruises’ Celebrity Edge both use Hong Kong as their home port, increasing opportunities for Hong Kong travellers to take cruises. As for cruise routes departing from Hong Kong, the main destinations are Southeast Asia and Okinawa, Japan. Trip durations vary, ranging mostly from 4 to 12 days.
For most travel insurance policies, cruise cover is an optional add-on.
Many people purchase travel insurance before setting off on a trip. Some travel insurance plans already include cruise cover, but in most cases cruise cover is an optional add-on that must be purchased separately. In addition, there are also cruise insurance plans specifically designed for cruise travel. Table 1 shows six travel insurance plans that offer cruise cover (the cruise cover for five of the products is an add-on to the travel insurance, except for the Dah Sing product), while Table 2 shows three cruise insurance plans specifically designed for cruise travel.
Table 1: Compare 6 travel insurance plans offering cruise cover
5-Day Trip, Destination in Asia
| Product | Premium for one adult* | Overall score |
Maximum benefit amount (HKD) |
||||
|
Cruise trip cancellation 1 |
Cruise trip interruption 2 (unable to board the originally booked cruise) |
Cruise trip interruption 3 (after boarding the cruise, the trip is terminated) |
Shore excursion cancellation |
Satellite phone charges |
|||
| 中銀 環宇遨翔旅遊保障計劃 鑽石計劃（附加升級保障及郵輪保障） |
$382 20% discount →Buy Now← |
8.8 | $50,000 | $15,000 | $50,000 | $7,500 (per excursion $1,500) | $5,000 |
| 藍十字 智在遊 郵輪計劃 |
$295 35% discount code: 10LIFE →Buy Now← |
8.7 | $50,000 | $50,000 | $0 | $10,000 | $3,000 |
| AXA安盛 「卓越」豐盛優遊樂 至尊計劃（附加郵輪保障） |
$493 85% of the premium when purchased via 10Life |
8.6 | $25,000 | $10,000 | $25,000 | $5,000 (per excursion $1,000) | $3,000 |
| 蘇黎世 「 易起行+」旅遊保險計劃 優越計劃（附加郵輪保障） |
$426 20% discount code 10LIFETRAVEL20 →Buy Now← |
8.5 | $20,000 | $20,000 | $20,000 | $5,000 (per excursion $1,000) | $0 |
| 大新保險 「智優遊」旅遊保障計劃 鑽石計劃 |
$220 25% discount when purchased via 10Life →Buy Now← |
7.9 | $0 | $5,000 | $0 | $5,000 | $0 |
| 昆士蘭保險 旅遊保險單次旅遊 金計劃（附加郵輪保障） |
$191 30% discount when purchased via 10Life →Buy Now← |
7.8 | $10,000 | $10,000 | $0 | $10,000 (per excursion $2,000) | $0 |
| Notes: 1. Cancellation of the original cruise itinerary due to a delay of 6 hours or more to public transport caused by specified reasons 2. Unable to board the original cruise itinerary due to a delay of 6 hours or more to public transport caused by specified reasons, and requiring boarding at the next port 3. After boarding the cruise, the trip must be terminated due to mechanical breakdown or compulsory detention by local government authorities while at port 4. Ranked according to travel insurance score (high to low) 5. Information last updated on 13 May 2026 6. Each adult may bring one accompanying child free of charge; cover for the accompanying child is 50% of the adult’s cover. *Premium includes basic cover + cruise cover |
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Table 2: Compare 3 cruise insurance plans
Assuming the insured person is an adult, 5-day trip
| Product | Adult Premium | Covered Area | Maximum Benefit (HKD) | ||||
| Cruise trip cancellation 1 | Cruise trip disruption2 (unable to board the originally scheduled cruise) | Cruise trip disruption3 (trip suspended after boarding the cruise) | Shore excursion cancellation | Satellite phone charges | |||
| 保誠 精選「郵輪旅遊樂」 |
$194 | Asia and designated islands | $50,000 | $10,000 (subject to an 8-hour delay) | $10,000 | $5,000 (HK$1,000 per excursion) | $2,500 |
| 保誠 精選「郵輪旅遊樂」 |
$819 | Worldwide | $100,000 | $20,000 (subject to an 8-hour delay) | $20,000 | $10,000 (HK$2,000 per excursion) | $5,000 |
| Starr 「卓悅遊」– 郵輪公海遊保險 |
$193 | Open seas | $0 | $4,000 (subject to a 12-hour delay) | $0 | $0 | $0 |
| Notes: 1. Cancellation due to inability to board the originally scheduled cruise journey because of a delay of 6 hours or more to public transport caused by a specified reason 2. Due to a delay of 6 hours or more to public transport caused by a specified reason, the insured is unable to board the originally scheduled cruise journey and is required to board the cruise at the next port 3. After boarding the cruise, the cruise journey must be suspended due to mechanical breakdown or compulsory detention by local government authorities while the ship is docked at port 4. Ordered alphabetically by insurer's English name 5. Information updated as of 30 December 2024 |
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Cruise insurance vs travel insurance with cruise cover add-on vs standard travel insurance
Many people mistakenly assume that cruise travel is similar to ordinary travel, and that before setting off on a cruise, they can simply buy a standard travel insurance policy. However, this is not the case. Although the personal belongings and medical cover under standard travel insurance can come into play if a traveller suffers theft of property or needs medical treatment on board a cruise, please refer to the article below for a detailed assessment of the relevant cover.
Further reading:
【Travel Insurance 2026】An actuary helps you compare the prices and benefits of over 60 travel insurance products (with exclusive scores)
However, travel insurance with cruise add-on cover offers a broader scope of protection than standard travel insurance, covering cruise trip cancellation and disruption, cancellation of shore excursions due to severe weather, emergency satellite phone communication charges, and more. Some products also provide cover for uncommon situations such as a “cruise hijacking or kidnapping”. In addition, some insurers offer cruise insurance specifically designed for cruise travel, which also includes medical and personal belongings cover. Its scope of protection is similar to that of travel insurance with cruise add-on cover.
It is worth noting that if the policyholder is an elderly person, the medical expenses cover and accidental death and permanent disability benefit under travel insurance may differ.
Further reading: 【Best Senior Travel Insurance】When buying travel insurance for elderly travellers, pay attention to age limits and benefit amounts
Points to note before purchasing cruise insurance
Note the destination(s) covered by the insurance plan
Travellers may visit multiple countries on a cruise, while cruise insurance may only provide cover for certain regions. Before purchasing, policyholders should check whether the insured destinations cover the areas the traveller will visit.
Note whether cruise insurance covers high-risk activities
Cruises offer many water-based activities and high-altitude pursuits, such as surfing and rock climbing. If the policyholder plans to take part in high-risk activities on board, they should check whether such activities are included in the scope of cover before buying cruise insurance.
Further reading: 【Diving and Skiing Insurance】Does travel insurance cover high-risk activities? What should you pay attention to when choosing one?
Note the exclusions under the policy
Exclusions include:
- Any delays that already existed or were announced before the trip
- For trip delays, those caused by the insured arriving late at the airport, pier or station
- Any loss, cost or expense that has been or will be compensated, paid or refunded by the airline, hotel, any other insurance plan, or through other means
Further reading: 【2025 Cruise Travel Guide】What should you pay attention to when travelling on a cruise? Includes recommended routes from July to December
Last updated on: 25 February 2026
This English version of this article has been generated by machine translation powered by AI. It is provided solely for reference purposes. In the event of any discrepancy or inconsistency between this translation and the original Chinese version, the Chinese version shall prevail.
10Life Editorial Team
Our team of professional content researchers focussing on insurance
10Life Editorial Team
Our team of professional content researchers focussing on insurance
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