Last updated: 22 October 2026
Most shipping lines will not let you board a cargo ship without specialist travel insurance. A freighter has no doctor on board and may be days from the nearest port, so standard holiday policies are rarely enough. This guide explains the cover you need, the terms to look for, and the questions to ask before you buy.
On a cruise ship there is a medical centre and a doctor. On a cargo ship there is a trained crew and a medical kit, but no doctor. If you become seriously ill, the ship may have to change course to a port or arrange a helicopter evacuation. Those costs can be very large, and that is what freighter-specific cover protects you against.
| Cover | What it protects | Why it matters on a freighter |
|---|---|---|
| Medical expenses | Treatment abroad and in port countries | Ports may be in countries with expensive healthcare |
| Medical evacuation and repatriation | Helicopter or ship transfer, then return home | Help can be days away at sea |
| Deviation cover | The cost if the ship changes course for you | Lines often require this explicitly |
| Cancellation and curtailment | Money back if you cannot travel or must stop early | Fares are paid well in advance |
| Missed departure and delay | Costs if the ship sails early or late | Cargo schedules change often |
| Baggage and personal items | Loss, theft or damage | Useful for long voyages with valuable gear |
Deviation cover pays the costs if the ship has to divert from its route because of you, usually for a medical emergency. A container ship changing course can be expensive in fuel, port fees and delays to its cargo schedule. Many shipping lines ask for proof of deviation cover, so check the policy wording mentions it, or ask the insurer in writing.
Prices depend on your age, health, trip length and destinations. A long voyage costs more to insure than a two-week holiday, and older travellers pay more. Compare specialist and long-stay travel insurers, and always read the policy wording rather than just the summary.
Yes. Most shipping lines require insurance that covers medical evacuation at sea and deviation before you can board.
Cover for the cost if the ship has to change course because of your medical emergency.
Often not. Some policies exclude cargo ships or lack deviation cover, so check the wording or ask the insurer in writing.
No. The crew are trained in first aid, which is why medical certificates and evacuation cover are required.
As soon as you pay your deposit, so cancellation cover protects you from the start.
We will tell you exactly what the shipping line requires before you book your cabin.
Ask us about your voyage →
