Aman at Sea
Travel Protection
Aman's U.S. ticket contract refers to optional travel protection that may be purchased through final payment. The public contract does not identify an insurer, administrator, policy form, or pre-existing-condition waiver.
- Offering / seller
- Positive Ocean OpCo Ltd / Aman at Sea
- Insurer / underwriter
- Not publicly identified
- Administrator
- Not publicly identified
- Eligibility / scope
- U.S.-resident booking information; availability must be confirmed for the specific booking and state.
Pre-existing-condition ruleNo current public policy text or waiver deadline was found. A contract reference to purchase through final payment, generally 150 days before sailing, is not a verified pre-existing-condition deadline.
Client action: Ask Aman at Sea for the insurer's current state-specific policy and every waiver condition immediately after deposit. Do not rely on the final-payment date for pre-existing-condition protection.
Verified September 1, 2026
Atlas Ocean Voyages
Included Emergency Medical & Trip Delay Travel Protection
Atlas describes an included Travel Protection Blanket Plan for booked guests. The official certificate provides limited emergency medical, evacuation, repatriation, and trip-delay benefits rather than comprehensive cancellation protection.
- Offering / seller
- Atlas Ocean Voyages; included blanket-plan benefits
- Insurer / underwriter
- Arch Insurance Company
- Administrator
- Aon Affinity; CareFree Travel Assistance
- Eligibility / scope
- Included guest benefits; review the certificate for covered travelers, dates, limits, and jurisdictional terms.
Pre-existing-condition ruleThe certificate uses a 60-day lookback and excludes losses caused by a pre-existing medical condition, except as the document provides for emergency evacuation and repatriation. No purchase-timing waiver is stated.
Client action: Do not assume the included blanket plan covers cancellation or waives its medical-condition exclusion. Compare separate protection immediately after deposit if broader coverage matters.
Verified September 1, 2026
Crystal Cruises
Guest Protection Program / Allianz Expedition Plan
Crystal's U.S. booking terms offer a Guest Protection Program through Allianz. The insurer and policy form depend on the traveler's resident state, so the official state-document selector must be used.
- Offering / seller
- Crystal Cruises
- Insurer / underwriter
- Jefferson Insurance Company or BCS Insurance Company, depending on state and plan
- Administrator
- Allianz Global Assistance / AGA Service Company
- Eligibility / scope
- U.S. residents; benefits, forms, and availability vary by resident state.
Pre-existing-condition rule and deadlineThe reviewed plan uses a 120-day lookback. The exclusion waiver requires purchase on or before the final trip-payment due date, U.S. residence, medical ability to travel when purchased, and insurance of the full non-refundable trip cost. Add later non-refundable costs within 14 days of payment.
Client action: Buy no later than Crystal's final-payment due date only after confirming every condition in your state policy. Report and insure later non-refundable costs within the policy's 14-day period.
Verified September 1, 2026
No purchase-timing waiver published
CunardCare combines cancellation-fee protection provided by Cunard with insurance benefits underwritten by United States Fire Insurance Company and assistance services.
- Offering / seller
- Cunard
- Insurer / underwriter
- United States Fire Insurance Company
- Administrator
- Aon Affinity; CareFree Travel Assistance
- Eligibility / scope
- Residents of U.S. states and the District of Columbia, excluding New York; state differences apply.
Pre-existing-condition ruleThe reviewed documents use a 60-day lookback and exclude pre-existing-condition losses under trip interruption and accident-and-sickness medical benefits. No purchase-timing waiver is published.
Client action: Do not assume early purchase removes the exclusion. Read the certificate for your state and compare another plan promptly if pre-existing-condition protection is important.
Verified September 1, 2026
Explora Journeys
No publicly verified U.S. cruise-line insurance plan
Explora Journeys' U.S. booking information recommends that travelers obtain comprehensive independent travel insurance. No current U.S. line-sold plan, insurer, administrator, policy text, or pre-existing-condition waiver was publicly identified.
- Offering / seller
- No public cruise-line plan verified; independent insurance recommended
- Insurer / underwriter
- Not applicable / not publicly identified
- Administrator
- Not publicly identified
- Eligibility / scope
- U.S. booking guidance; travelers must source and verify their own plan.
Pre-existing-condition ruleNo cruise-line policy or waiver deadline is publicly available because no U.S. line-sold plan was verified.
Client action: Compare independent insurance immediately after the initial trip deposit and obtain the full resident-state policy before purchase if pre-existing-condition protection matters.
Verified September 1, 2026
Four Seasons Yachts
No publicly verified consumer insurance plan
Four Seasons Yachts' public U.S. terms recommend that travelers purchase appropriate travel insurance. No current consumer plan, insurer, administrator, policy text, or pre-existing-condition waiver is publicly offered on the reviewed official pages.
- Offering / seller
- No public cruise-line plan verified; independent insurance recommended
- Insurer / underwriter
- Not publicly identified
- Administrator
- Not publicly identified
- Eligibility / scope
- U.S. booking-contract guidance; travelers must source and verify their own plan.
Pre-existing-condition ruleNo cruise-line policy or waiver deadline is publicly available because no consumer line-sold plan was verified.
Client action: Compare independent insurance immediately after your first trip payment and ask the chosen insurer for the complete resident-state policy and its waiver requirements.
Verified September 1, 2026
Lindblad Expeditions
Travel Protection Plus — Plan F416
Lindblad's plan combines non-insurance cancellation protection supplied by Lindblad with insurance benefits underwritten by United States Fire Insurance Company. State-specific documents are provided by Trip Mate.
- Offering / seller
- Lindblad Expeditions; Part A non-insurance benefits supplied by Lindblad
- Insurer / underwriter
- United States Fire Insurance Company for Part B insurance benefits
- Administrator
- Trip Mate / Generali Global Assistance
- Eligibility / scope
- U.S. residents; plan documents and pre-existing-condition treatment vary by resident state.
Pre-existing-condition ruleNo single national waiver deadline can be stated accurately from the public plan summary. Lindblad says the plan may be purchased before final payment, but that is not necessarily the pre-existing-condition waiver deadline in every state.
Client action: Open the F416 document directory, choose your state, and read the exact pre-existing-condition provision before purchase. Confirm the rule with Trip Mate immediately after deposit.
Verified September 1, 2026
Oceania Cruises
Travel Protection Program — AAROCE01
The current Oceania program applies to qualifying purchases on or after January 23, 2026. It combines cruise-line cancellation-fee benefits, Arch insurance benefits, and CareFree assistance services.
- Offering / seller
- Oceania Cruises
- Insurer / underwriter
- Arch Insurance Company
- Administrator
- Aon Affinity; CareFree Travel Assistance
- Eligibility / scope
- U.S. residents; select the policy for the correct resident state and booking date.
Pre-existing-condition ruleThe current certificate uses a 60-day lookback and excludes losses caused by a pre-existing medical condition, except as specifically provided for emergency evacuation and repatriation. No purchase-timing waiver is stated.
Client action: Do not assume early purchase removes this exclusion. Read the current state policy and compare other coverage promptly if pre-existing-condition protection is important.
Verified September 1, 2026
Orient Express Sailing Yachts
No optional U.S. cancellation plan publicly verified
The official terms describe an Allianz assistance arrangement during the cruise and separately instruct travelers to purchase their own cancellation insurance. The onboard assistance reference is not a public optional cancellation policy.
- Offering / seller
- No public optional cancellation plan verified; independent insurance recommended
- Insurer / underwriter
- Not publicly identified for an optional traveler-purchased plan
- Administrator
- Allianz is named for onboard assistance only
- Eligibility / scope
- U.S. booking terms; travelers must source and verify their own cancellation plan.
Pre-existing-condition ruleNo optional cruise-line policy text or purchase deadline was publicly identified.
Client action: Do not treat the included onboard assistance reference as comprehensive travel insurance. Compare a separate policy immediately after your first trip payment.
Verified September 1, 2026
PONANT
Expedition Plan / Multi-Risk Travel Insurance
PONANT USA offers an Allianz Expedition Plan for U.S. residents. New York, Washington, and other states use different plan materials, and the correct resident-state document must be obtained before purchase.
- Offering / seller
- PONANT USA LLC
- Insurer / underwriter
- BCS Insurance Company in New York; Jefferson Insurance Company in Washington and other reviewed states
- Administrator
- Allianz Global Assistance / AGA Service Company
- Eligibility / scope
- U.S. residents; select New York, Washington, or all-other-state material as applicable. Published waiver limit is up to $50,000 in trip cost.
Pre-existing-condition rule and deadlineThe reviewed plan uses a 120-day lookback. Waiver eligibility requires purchase on or before the final trip-payment due date, U.S. residence, medical ability to travel, and insurance of the full non-refundable trip cost. New York and all-other-state materials require later costs to be insured within 14 days; do not infer that detail for Washington without its issued policy.
Client action: Buy no later than PONANT's final-payment due date only after obtaining the correct resident-state policy. Ask Allianz how later trip costs must be added in your state.
Verified September 1, 2026. The linked brochures are summaries, not substitutes for the full issued policy.
Paul Gauguin Cruises
Allianz Travel Protection
Paul Gauguin Cruises recommends an Allianz plan to U.S. guests. The insurer and form depend on resident state; Jefferson Insurance Company is the verified underwriter for the linked Nevada certificate.
- Offering / seller
- Paul Gauguin Cruises recommends the linked Allianz plan
- Insurer / underwriter
- State-dependent; Jefferson Insurance Company in the reviewed Nevada certificate
- Administrator
- Allianz Global Assistance / AGA Service Company
- Eligibility / scope
- U.S. residents; obtain the correct document for the traveler's resident state.
Pre-existing-condition rule and deadlineThe reviewed plan uses a 120-day lookback. The waiver requires purchase on or before the final trip-payment due date, U.S. residence, medical ability to travel when purchased, and insurance of the full non-refundable trip cost. Add later non-refundable costs within 14 days of payment.
Client action: Obtain your state policy and satisfy every waiver condition by the final-payment due date. Add later trip costs within the stated 14-day period.
Verified September 1, 2026
Regent Seven Seas Cruises
RegentCare
The current RegentCare materials apply to qualifying bookings made on or after January 23, 2026. The program combines Regent cancellation-fee benefits, Arch insurance benefits, and CareFree assistance.
- Offering / seller
- Regent Seven Seas Cruises
- Insurer / underwriter
- Arch Insurance Company
- Administrator
- Aon Affinity; CareFree Travel Assistance
- Eligibility / scope
- U.S. residents; choose the state-specific document for the booking date and resident state.
Pre-existing-condition ruleThe current certificate uses a 60-day lookback and excludes losses caused by a pre-existing medical condition, except as specifically provided for emergency evacuation and repatriation. No purchase-timing waiver is stated.
Client action: Do not assume buying RegentCare early removes the exclusion. Read the state policy and promptly compare another plan if pre-existing-condition protection is important.
Verified September 1, 2026
Scenic Cruises
Allianz Expedition, Cancel Anytime & Latitude Plans
Scenic's U.S. travel protection page routes travelers to different Allianz plans based on trip cost, desired benefits, and state. The insurer is BCS Insurance Company or Jefferson Insurance Company depending on the issued plan and state.
- Offering / seller
- Scenic Cruises
- Insurer / underwriter
- BCS Insurance Company or Jefferson Insurance Company, depending on plan and state
- Administrator
- Allianz Global Assistance / AGA Service Company
- Eligibility / scope
- U.S. residents; plan family and form vary by resident state and trip details.
Pre-existing-condition rule and deadlineThe reviewed Expedition materials use a 120-day lookback. Waiver eligibility requires purchase on or before the final trip-payment due date, U.S. residence, medical ability to travel, and insurance of the full non-refundable trip cost. The reviewed form also requires later non-refundable costs to be insured within 14 days; the selected plan and state document control.
Client action: Select the exact Scenic-linked plan and your resident state before relying on the deadline. Satisfy all conditions and ask Allianz whether later costs must be insured within 14 days under your document.
Verified September 1, 2026
Sea Cloud Cruises
No publicly verified U.S. cruise-line insurance plan
Sea Cloud's U.S. FAQ recommends travel insurance but does not publish a U.S. line-sold plan, insurer, administrator, policy text, or pre-existing-condition waiver deadline.
- Offering / seller
- No public U.S. cruise-line plan verified; independent insurance recommended
- Insurer / underwriter
- Not publicly identified for U.S. residents
- Administrator
- Not publicly identified for U.S. residents
- Eligibility / scope
- U.S. guidance only. European or German insurance terms must not be applied to U.S. residents.
Pre-existing-condition ruleNo U.S. cruise-line policy or waiver deadline was publicly identified. A European HanseMerkur rule is not evidence of U.S. coverage and is intentionally not used here.
Client action: Compare a U.S.-available independent policy immediately after deposit and obtain the full state-specific document before purchasing.
Verified September 1, 2026
SeaDream Yacht Club
Starr Travel Insurance — Classic Plus / Premier
SeaDream promotes Starr Travel Insurance single-trip plans. Availability and policy terms vary by state, the District of Columbia, and Puerto Rico.
- Offering / seller
- SeaDream Yacht Club
- Insurer / underwriter
- Starr Indemnity & Liability Company
- Administrator
- Starr Underwriting Agency, Inc.
- Eligibility / scope
- Residents of U.S. states, the District of Columbia, and Puerto Rico; terms vary by jurisdiction.
Pre-existing-condition rule and deadlineThe published materials state that a waiver may be included when the plan is purchased within 14 days of the initial trip deposit. Additional eligibility conditions depend on the current state policy.
Client action: Purchase within 14 days of the first trip deposit only after Starr confirms all waiver conditions for your state. Obtain the full issued policy; the brochure alone is not sufficient.
Verified September 1, 2026
No purchase-timing waiver published
SeabournShield combines cancellation-fee protection from Seabourn with insurance underwritten by United States Fire Insurance Company. A separate plan payment is required; a cruise deposit alone does not enroll the traveler.
- Offering / seller
- Seabourn
- Insurer / underwriter
- United States Fire Insurance Company
- Administrator
- Aon Affinity; CareFree Travel Assistance
- Eligibility / scope
- U.S. and Canadian residents except New York, Puerto Rico, and Quebec; private-jet bookings are not eligible. State and voyage type affect documents and limits.
Pre-existing-condition ruleThe insurance contains a pre-existing-condition exclusion and the public information applies a 60-day review / stability rule. No purchase-timing waiver is published. Enrollment through final payment is not a waiver deadline. A denied pre-existing-condition cancellation claim may qualify for limited future cruise credit under Seabourn's separate terms.
Client action: Do not assume early purchase waives the exclusion. Select the correct standard or world / grand / expedition document and ask Aon how the rule applies before payment.
Verified September 1, 2026
Silversea
Allianz Travel Insurance / Expedition Plan
Silversea's U.S. insurance page links to the Allianz Expedition Plan for trip investments below $100,000 per person and notes that other plans may be offered based on traveler needs. New York and Hawaii residents use a separate contact route.
- Offering / seller
- Silversea links travelers to Allianz Travel Insurance
- Insurer / underwriter
- Varies by plan and resident state; see the issued document
- Administrator
- Allianz Global Assistance / AGA Service Company
- Eligibility / scope
- Silversea's linked route is for U.S. residents outside New York and Hawaii; those states must contact Allianz separately.
Pre-existing-condition ruleThe Silversea-specific public page confirms that pre-existing-condition exclusions can apply but does not expose a reliably verifiable waiver deadline in accessible plan text. A generic Allianz deadline must not be substituted for the issued Silversea-linked policy.
Client action: Open the official terms selector and request the complete policy for your resident state immediately after deposit. Ask Allianz to state the deadline and every waiver condition before you buy.
Verified September 1, 2026
The Ritz-Carlton Yacht Collection
Allianz Expedition Plan
The Ritz-Carlton Yacht Collection offers Allianz travel protection to U.S. residents. The insurer is BCS Insurance Company or Jefferson Insurance Company depending on state and plan.
- Offering / seller
- The Ritz-Carlton Yacht Collection
- Insurer / underwriter
- BCS Insurance Company or Jefferson Insurance Company, depending on state and plan
- Administrator
- Allianz Global Assistance / AGA Service Company
- Eligibility / scope
- U.S. residents; benefits, forms, and insurer vary by resident state.
Pre-existing-condition rule and deadlineThe reviewed materials use a 120-day lookback. Waiver eligibility requires purchase on or before the final trip-payment due date, U.S. residence, medical ability to travel, and insurance of the full non-refundable trip cost. Add later non-refundable costs within 14 days.
Client action: Buy no later than the final-payment due date only after confirming all conditions in your resident-state policy. Add later trip costs within 14 days when required.
Verified September 1, 2026
Viking
Viking Travel Protection Plan — F429T
Viking's plan is administered by Trip Mate, a Generali Global Assistance & Insurance Services brand. F429T is the current state-document directory for purchases on or after February 1, 2026.
- Offering / seller
- Viking
- Insurer / underwriter
- Generali U.S. Branch, NAIC 11231
- Administrator
- Trip Mate / Generali Global Assistance
- Eligibility / scope
- U.S. residents; choose the current F429T certificate for the traveler's state.
Pre-existing-condition FAQ rule — confirm against current policyViking's official Trip Mate FAQ publishes a 60-day pre-existing-condition lookback and exclusion waiver when plan payment is received before or within 15 days of the initial trip deposit, provided the traveler is not disabled from travel when payment is received. Because the current document directory is F429T, the issued F429T state certificate must confirm that rule.
Client action: Treat 15 days from the first trip deposit as an immediate action point, but do not rely on the FAQ alone. Check the current F429T certificate and have Trip Mate confirm the deadline and every eligibility term before purchase.
Verified September 1, 2026. The FAQ's published rule must be reconfirmed in the current F429T state document.
Windstar Cruises
Full Sail Travel Protection
Windstar's U.S. Full Sail plan is underwritten by Arch Insurance Company and administered through Aon Affinity, with CareFree Travel Assistance. The official Arch directory supplies state-specific policies for purchases on or after March 1, 2026.
- Offering / seller
- Windstar Cruises
- Insurer / underwriter
- Arch Insurance Company, NAIC 11150; policy form LTP 2013
- Administrator
- Aon Affinity; CareFree Travel Assistance
- Eligibility / scope
- U.S. residents; select the current state policy for the traveler's residence and purchase date.
Pre-existing-condition rule and deadlineFor U.S. guests, purchase within 14 days of the initial deposit to receive pre-existing-condition coverage. If the booking is paid in full when made, the plan must be added at booking. Adding it at final payment after the 14-day period does not restore that protection.
Client action: Purchase within 14 days of your first deposit—or at booking if paying in full—and verify all remaining conditions in the state policy before relying on the coverage.
Verified September 1, 2026