🛳️ Travel Insurance for Your Cruise

What You Need to Know Before You Sail

When planning your cruise, one important decision is whether to purchase travel insurance—and if so, which type.

Royal Caribbean offers its own Travel Protection Program, but there are also many third-party insurance options available.

Here’s a simple breakdown to help you decide what’s best for your trip.

🟣 Royal Caribbean Travel Protection

Royal Caribbean’s plan is convenient and easy to add when booking your cruise. Please confirm with Royal Caribbean that the following information is accurate at your time of booking.

✔️ What it includes:

  • Trip cancellation coverage

  • Trip interruption protection

  • Medical coverage (approx. $25,000)

  • Emergency evacuation (approx. $50,000)

  • Travel delay assistance

  • Lost or delayed baggage coverage

  • “Cancel for Any Reason” → up to 90% future cruise credit

⚠️ Things to consider:

  • Primarily covers the cruise portion only

  • Some cancellations are reimbursed as future cruise credit, not cash

  • Lower medical and evacuation limits than many other plans

🔵 Third-Party Travel Insurance

Third-party plans (such as Allianz or Travel Guard) provide broader protection for your entire trip. These are only two suggestions, please research to determine which insurer is best for your needs.

✔️ What they typically include:

  • Coverage for flights, hotels, transfers, and cruise

  • Higher medical coverage (often $100,000+)

  • Higher evacuation coverage (often $250,000+)

  • Cash reimbursement for covered cancellations

  • Optional “Cancel for Any Reason” upgrades

  • Coverage for missed connections and travel delays

💰 Price Comparison

Travel insurance costs are usually based on your total trip price and age. Shop around to see what works best for you!

🚨 Important Tip

If your trip includes:

  • Flights

  • Pre- or post-cruise hotel stays

  • Transfers or excursions

A third-party policy may offer significantly better protection—often for a similar price.

✔️ Bottom Line

  • Royal Caribbean Travel Protection
    ✔ Simple and convenient
    ✔ Good for basic cruise coverage

  • Third-Party Insurance
    ✔ Broader protection
    ✔ Higher coverage limits
    ✔ Better for complex travel plans

💡 Our Recommendation

For travelers with more complex itineraries or higher trip investments, we recommend comparing third-party insurance options to ensure you have the level of protection you need.

Insurance & Liability Notice

Unless you independently purchase travel insurance through a third-party provider and specifically request coverage that includes the retreat portion of the Bead Cruise®, the retreat portion of this event is not covered under any insurance policy.

By registering for this event, you acknowledge and agree that Beki Haley, Cassandra Spicer, Bead Cruise®, Beads To Live By, and any affiliated entities or subsidiaries are not responsible for providing refunds, reimbursements, or compensation for any reason, including but not limited to cancellations, interruptions, travel delays, or unforeseen circumstances.