Princess Cruise Insurance: Standard vs. Platinum Vacation Protection Plans

Booking a dream vacation on a Princess cruise? Don’t let unexpected events ruin your trip. Purchasing cruise insurance through Princess gives peace of mind if you need to cancel or interrupt your cruise.

Princess offers two levels of cruise insurance – Standard and Platinum Princess Vacation Protection plans. But what’s the difference between standard vs. platinum cruise insurance from Princess?

Below we’ll compare the Princess standard and platinum vacation protection plans so you can choose the right option to cover your cruise investment.

Overview of Princess Cruise Vacation Protection

Princess Vacation Protection provides a package of travel insurance benefits plus additional non-insurance assistance services. Here’s an overview:

Cancellation Fee Waiver – Get refunded 100% of cancellation fees if you cancel for covered reasons. Provided by Princess Cruises as a non-insurance feature.
“Cancel For Any Reason” Cruise Credits – Receive future cruise credits if you cancel for ineligible reasons, provided by Princess Cruises.
Travel Insurance Benefits – Reimbursement for trip interruptions, delays, medical expenses, baggage loss, and more. Underwritten by Nationwide Insurance.
24/7 Travel Assistance Services – Worldwide help for emergencies, medical issues, travel problems. Provided by LiveTravel.

This protection applies to your cruise fare, land portions of Cruisetours, pre- and post-hotel packages, and airfare through Princess EZair.

Princess Vacation Protection can be purchased any time up until your final cruise payment.

Princess Cruise Insurance Standard Plan Overview

The Princess Vacation Protection Standard plan provides a baseline of useful cruise insurance benefits.

Here are the key features of the Standard Princess cruise protection plan:

Cancellation Fee Waiver

Refund of 100% of cancellation fees if you cancel for covered reasons

“Cancel For Any Reason” Cruise Credits

75% future cruise credit if canceling for ineligible reasons

Trip Interruption

Up to 100% of trip cost reimbursement

Trip Delay

Up to $500 for pre-cruise expenses
Up to $1,500 for post-cruise expenses

Baggage Loss/Damage

Up to $1,500 coverage

Baggage Delay

Up to $500 for necessities if bags are delayed 24+ hours

Medical Expense

Up to $10,000 for sickness or injury

Emergency Evacuation/Repatriation

Up to $50,000

24/7 Worldwide Assistance

Help with travel emergencies, medical issues, etc.

The Standard Princess Vacation Protection plan costs 9% of your cruise fare (minimum $39). This offers good coverage for basic cruise protection needs.

Platinum Princess Cruise Insurance Benefits

The Platinum Princess Vacation Protection plan provides enhanced insurance benefits and more generous cancellation coverage.

Here are the key advantages of the Platinum cruise protection option:

150% Trip Interruption Coverage

Up to 150% of trip cost reimbursement if you must interrupt your cruise

“Cancel For Any Reason” 100% Future Cruise Credit

100% credit for cancelling for ineligible reasons

Higher Baggage Loss Coverage

Up to $3,000 for lost, damaged, or stolen bags

Double Medical Expense Limits

Up to $20,000 for sickness or injury
Up to $75,000 for emergency evacuation

Faster Emergency Assistance

Help available within just 30 minutes for emergencies

The Platinum Princess Vacation Protection plan costs 12% of your cruise fare (minimum $59). The enhanced benefits provide greater financial protection.

Princess Cruise Insurance Cost

The price of your Princess cruise insurance plan depends on your vacation cost and cabin category:

Plan	Cost
Princess Vacation Protection Standard	9% of cruise fare ($39 minimum)
Princess Vacation Protection Platinum	12% of cruise fare ($59 minimum)

For example, on a $3,000 Princess cruise in an interior cabin:

Standard Plan: 9% x $3,000 = $270
Platinum Plan: 12% x $3,000 = $360

So the Platinum plan would cost an additional $90 compared to the Standard for this example sailing.

Higher cabin categories like balcony rooms have higher base cruise fares, so the plan cost will be higher as well. But the percentage rate remains the same across cabins.

What’s Covered by Princess Cruise Insurance?

Both the Standard and Platinum Princess plans cover a wide range of travel mishaps before and during your voyage. Here are some examples of covered situations:

✓ You or your traveling companion becomes ill or injured prior to the cruise

✓ A family member who is not traveling with you becomes seriously ill

✓ You are involved in an auto accident on the way to the cruise terminal

✓ Your home is damaged by fire or flood right before the cruise

✓ You or a traveling companion are quarantined before the cruise due to a positive COVID-19 test

✓ You miss your scheduled embarkation due to a travel supplier delay

✓ Your flight is delayed resulting in missed cruise embarkation

✓ You are injured or become sick during the voyage

✓ Your stateroom is made uninhabitable during the cruise due to mechanical issues

✓ Your cruise ship has to disembark passengers at an unscheduled port due to weather or other reasons

✓ You have to quarantine during the voyage due to COVID-19 protocols

✓ Your checked baggage is lost, damaged, or stolen during airline transfers

✓ Your passport is lost or stolen during your trip

In these covered scenarios, Princess cruise insurance helps reimburse prepaid trip costs,additional travel expenses, and medical bills.

Why Purchase Princess Cruise Vacation Protection?

Protect your cruise investment – Cruises require a significant upfront financial commitment. Insurance protects that investment if you have to cancel or interrupt the trip.
Worry-free cancellations – Receive cash refunds or generous future cruise credits if you have to cancel for covered or ineligible reasons.
Global medical coverage – Get coverage for medical expenses and emergency evacuation anywhere in the world.
Affordable convenience – Princess cruise insurance is reasonably priced and can be added anytime up until full trip payment.
Reimburse travel delays/losses – Be compensated for expenses like hotels, meals, and taxis if delayed getting to or from your cruise.
Peace of mind – Relax and enjoy your Princess cruise knowing you have coverage for many unforeseeable circumstances.

For maximum cruise investment protection and peace of mind, the Platinum Princess Vacation Protection plan is recommended. But the Standard plan also provides solid coverage for basic cancellation and medical risks.

Compare the Princess cruise insurance options and consider adding this valuable protection before your next sailing!

PRINCESS CRUISES NEW PACKAGE UPDATES EXPLAINED (Princess Plus, Princess Premier & Standard)

FAQ

What does standard cruise insurance cover?

Included as well is trip interruption/trip delay insurance, which reimburses you if you need to start the cruise late or return home early or need emergency medical or dental care or an emergency medical evacuation; it also offers delayed and lost baggage protection and 24-hour customer support.

What is the difference in price between standard plus in Princess?

Absolutely! You can upgrade from Princess Standard to Princess Plus for only $60 per day or to Princess Premier for $80 per day. If you already have Princess Plus on your reservation, you can upgrade to Princess Premier for the difference, either $20 or $30 per-day, based on the price of your original package.

Is cruise insurance different to normal travel insurance?

Cruise insurance does tend to be more expensive than standard travel insurance. This is because the cost of medical expenses, should you become ill at sea, are normally higher, thus resulting in a more expensive policy.