Why Should You Never Cruise Without a Passport and Insurance?

cruise insurance passport Sep 22, 2023
Picture of Insurance policy and passport

Cruising is one of the most luxurious and relaxing ways to see the world. But what happens when unexpected events turn your dream vacation into a nightmare? The importance of cruising with a valid passport and comprehensive travel insurance cannot be overstated. Let's dive into why.

1. The Risk of Being Denied Boarding

Imagine arriving at the port, bags packed, ready for your cruise adventure, only to be denied boarding. This nightmare became a reality for a woman in 2017, when she was denied boarding on a Carnival Cruise from Miami because she lacked proper identification. The result? She missed the entire cruise.

2. The Nightmare of Being Stranded Abroad

During a recent incident with a cruise ship needing repairs, the cruise line chartered flight for the passengers to fly home.  The passengers on the ship that did not fly home were denied permission to leave the ship for the airport in the Dominican Republic https://www.clickorlando.com/news/local/2022/03/16/making-the-most-of-it-stuck-norwegian-passengers-sing-play-wait-for-flight-home/.


3. The Sky-High Costs of Medical Emergencies

The worst case scenario is that you have nether insurance or a passport, you can wind up stuck in a foreign port needing cash to pay for medical treatment in advance and a passport to get back home. Here are some examples:


2 passengers stuck

Man dies - no travel insurance

Stranded in Mexico with deathly ill child

Held Hostage in Mexican hospital

$56,000 air ambulance bill in US

$21,000 Medical Bill on Cruise

4. Legal Troubles in Foreign Lands

Over the years, there have been multiple reports of passengers facing detentions or fines in foreign countries after disembarking the cruise ship without proper identification. Resolving these issues can involve significant stress, time, and even legal fees. The U.S. Department of State provides guidance on what to do if arrested abroad, emphasizing the importance of having proper identification.

5. The Disappointment of Missed Departures

A video went viral in 2018 of a couple watching their Norwegian Bliss cruise ship sail away without them from Nassau, Bahamas. While this incident does not explicitly involve lack of insurance, it serves as a stark reminder of the unforeseen events that can disrupt travel plans.


Traveling is about making memories, but it's crucial to be prepared for unexpected hiccups. A valid passport ensures you won't face unnecessary obstacles, while travel insurance protects against unforeseen costs and complexities. So, why risk cruising without these essentials?

When I work with a client that does not want travel insurance, or have a passport, I require them to complete a waiver showing that I strongly advised against traveling without both.

Before your next cruise, make sure to check the U.S. Customs and Border Protection and U.S. Department of State guidelines to ensure smooth sailing.

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