P&O Insurance

We strongly recommend the purchase of a travel protection program. For your convenience, P&O Cruises offers P&O Travel CareSM and P&O Travel Care GoldSM which provides what is perhaps the most attractive combination of protection and flexibility available in cruising today.

P&O Travel Care includes Trip Cancellation and Interruption Protection, which provides up to full reimbursement for non-refundable cancellation fees if you must cancel or curtail your trip due to covered medical conditions or other specified causes affecting you, your immediate family members, or your traveling companions.

P&O Travel Care and P&O Travel Care Gold also offer unique flexibility that many other programs lack. If you have to cancel your cruise for a non-insured reason - any reason at all -you'll receive from P&O a future cruise credit equal to 75% (90% with P&O Travel Care Gold) of the normally non-refundable cancellation fees. The P&O Travel Care plans provide coverage for most medical expenses while away from home including emergency evacuation should illness or injury occur during your trip.

For just $50 more than P&O Travel Care, the P&O Travel Care Gold program doubles your medical, lost baggage and emergency medical coverage limits.

Special note: P&O Travel Care and P&O Travel Care Gold must be purchased before or at time of final payment.

Trip Cancellation/Interruption Protection Reimbursement for any nonrefundable cancellation fees imposed by P&O if you must cancel or curtail your trip due to covered medical conditions or other specified causes affecting you, your immediate family members, or your traveling companion.

Trip Delay Protection Up to $500 reimbursement to cover accommodations, meals and transportation to the ship should you miss your departure due to covered airline delays.

Baggage Protection Up to $1,500 to replace baggage and personal property that is lost, stolen, or damaged. If luggage is delayed by the airline for more than 24 hours, you'll be reimbursed up to $500 for covered personal expenses.

Medical Coverage  Up to $10,000 for covered medical expenses –among the highest limits available- if you become sick or injured during your trip. Medicare and many private insurance policies generally do not cover you outside of the United States . And many HMO's do not cover you outside their provider area.

Emergency Evacuation  Up to $25,000-among the best you can find-for emergency air or ground transportation due to a serious illness or injury. This coverage is also not generally provided by private policies, HMOs, or Medicare.

Emergency Assistance World-wide assistance with a 24-hour hotline when you need help with lost documents, cash transfers, and other travel-related problems.

Voluntary Cancellations If you have to cancel your cruise for any reason not covered by the insurance element of P&O Travel Care, you'll be reimbursed with a credit applicable toward future travel with P&O, equal to 75% of the nonrefundable cancellation charges.

Hotel Additions  Coverage for Cruise Plus hotel add-ons and children under the age of 18 years traveling in third/fourth berths is also included at no cost if P&O Travel Care/P&O Travel Care Gold is purchased by the first two passengers in the stateroom.

P&O Travel Care Gold (Added Coverage)  For just $50 more you can increase your lost baggage coverage from $1,500 to $3,000, your medical coverage from $10,000 to $20,000, and your emergency evacuation coverage from $25,000 to $50,000. You will also increase the “voluntary cancellation” coverage so you will be reimbursed with a 90% credit rather than 75%.

*Above $6,500, the cost is an additional $20 for each $500 of fare or fraction of $500.

Rates are per person based upon each passenger's share of the total fare paid. Note: Rates are subject to change; however, original rate quoted with booking will not change.

Important Note: This is just a summary of coverages. Please refer to the Description of Coverage in the P&O Travel Care information pamphlet available from your Vacations To Go cruise counselor. The Description contains the complete details of the policy terms, conditions, and exclusions, including the pre-existing condition exclusion and other applicable limitations. If you have any questions, call your Vacations To Go cruise counselor. The policy provides limited benefits health insurance only. It does not provide basic hospital, basic medical, or major medical insurances as defined by the New York State Insurance Department. The insurance coverages provided by P&O Travel Care are underwritten by the National Union Fire Insurance Company of Pittsburgh , PA , policy No. 9500233. P&O Travel Care is provided in addition to other applicable insurance or indemnity programs, where permitted by law and shall apply only after benefits have been paid. P&O Travel Care plan cost may be paid at any time from deposit up to and including final payment, however, trip cancellation coverage takes effect only upon payment of your P&O Travel Care plan cost. Payment of your cruise fare deposit without P&O Travel Care will not activate your coverage. All other coverages are effective upon your departure for your trip.

This is not a complete description of all benefits and limitations. For full terms and conditions of coverage, ask your Vacations To Go cruise counselor. Prices, terms, and conditions listed in this summary are subject to change without notice, and need to be reconfirmed with your Vacations To Go cruise counselor at the time of booking.

If you book a P&O cruise, you can purchase insurance from (P&O Travel Care or P&O Travel Care Gold) or from the independent insurance provider, CSA . Click here to see details of the CSA Vacation Guarantee.