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  • Strand Nulde

If a restful vacation is part of your travel plans, Strand Nulde might be the perfect place to seek out during your trip to Putten. While you're in the area, stroll along the lakeside.

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Hotel is in a beautiful Location, but a little isolated. Two villages with shops, icecream etc are a 10 min drive or easy bus ride away.

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Here's when you need (and don't need) a passport to cruise.

It's the type of sailing – closed-loop or open-loop – that largely determines whether or not you need a passport to cruise.

Do You Need a Passport for a Cruise?

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A passport isn't always required for cruising.

To determine whether or not you need a passport to cruise, you first need to figure out if the itinerary is closed-loop or open-loop (also known as open-jaw).

Closed-loop cruise: A closed-loop cruise typically doesn't require a passport since it begins and ends in the same U.S. port (though there are some exceptions to this rule).

Example: Royal Caribbean International 's seven-night Western Caribbean & Perfect Day cruise stops in several countries – the Bahamas, Jamaica, Haiti and Grand Cayman – but the itinerary is considered closed-loop because it starts and ends in Fort Lauderdale, Florida.

Open-loop cruise: An open-loop cruise begins in one U.S. port and ends in a different U.S. port.

Example: Carnival Cruise Line 's 16-day Panama Canal from Seattle itinerary is not considered closed-loop because it departs from Seattle and completes its journey in New Orleans.

All of the above regulations have been determined by the Western Hemisphere Travel Initiative: a plan by the departments of State and Homeland Security that determines which documents are acceptable for proving identity and citizenship when entering the United States.

Where to cruise without a passport

There are several destinations where you can cruise without a passport on a closed-loop sailing. They include the following:

  • The Bahamas

When looking at cruises to these locations, be mindful of the home ports. The Bahamas, Mexico, Bermuda, the Caribbean and Canada are all foreign ports, which means they only qualify for the passport exception if they are a stop along your cruise itinerary . If the cruise originates in any of these countries, it is likely you will need a passport.

Since Alaska, Hawaii and New England are all U.S. destinations, any closed-loop routes departing from these locations will not require a passport. However, keep in mind that it can be hard to find closed-loop cruises originating in Hawaii or Alaska.

To find closed-loop itineraries for a Hawaiian voyage or Alaskan cruise , try searching for sailings departing from major cities on the West Coast, like Seattle or Los Angeles . By contrast, quite a few closed-loop cruises leave from New England ports, but they are often marketed as Canadian cruises.

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When you need a passport for closed-loop cruises

Some cruise itineraries include foreign ports that require a passport for disembarkation. This is most commonly an issue for travelers on a closed-loop Caribbean cruise. Barbados , Guadeloupe , Haiti, Martinique , St. Barts , and Trinidad and Tobago all require U.S. citizens to present a valid passport to disembark and enter the country, despite WHTI regulations not requiring a passport for these destinations. Labadee, Royal Caribbean's private island , is an exception and does not require a passport despite its location in Haiti.

If your itinerary includes a country requiring a U.S. passport, your cruise line will require you to have the passport at check-in. Note that your passport must not expire within six months of your arrival in a foreign country or else it won't be considered valid for international travel.

Read: The Easiest Way to Renew Your Passport

Acceptable forms of ID

All travelers – U.S. citizens and foreign nationals alike – must present documents that show identity and citizenship when entering the United States. A U.S. passport can show both. If you don't have one or don't want to bring one, be aware that you may need to present more than one document.

U.S. citizens 16 and older

If you're a U.S. citizen age 16 or older sailing on a closed-loop cruise without your passport, you will need a government-issued photo ID like a driver's license. In addition, you must present a document that proves your U.S. citizenship. These include:

  • Passport card
  • State-issued enhanced driver's license (EDL)
  • Government-issued birth certificate
  • Trusted Traveler Program card (NEXUS, SENTRI or FAST)
  • American Indian Card (Form I-872) or Enhanced Tribal ID Card

The Trusted Traveler Programs are risk-based programs to facilitate the entry of travelers who have been vetted and preapproved. Most of these programs will provide you with a machine-readable card that allows you to pass through border checkpoints quickly. Keep in mind, some of these IDs are only available to travelers 16 and older.

Read: TSA Precheck vs. Global Entry

U.S. citizens younger than 16

U.S. citizens younger than 16 are only required to present proof of citizenship, such as one of the following documents:

  • Original, notarized or certified copy of their government-issued birth certificate
  • Consular Report of Birth Abroad issued by U.S. Department of State
  • Certificate of Naturalization issued by U.S. Citizenship and Immigration Services

Read: How to Get a Passport for Kids

Non-U.S. citizens

If you are a lawful permanent resident (or LPR) of the United States, you are required to present a permanent resident card or other valid evidence of permanent residence status.

Non-U.S. citizens, with the exception of Canadians and Mexicans, are not subject to passport exceptions, so a valid passport will need to be provided. Canadian citizens can present a valid passport, Enhanced Driver's License or Trusted Traveler Program card. Mexican citizens must present a passport with a visa or a Border Crossing Card.

Unacceptable forms of ID

While most common forms of identification are accepted, there are a few exceptions. U.S. military identification cards and U.S. Merchant Mariner documents are valid forms of identification, but only when traveling on official orders or in conjunction with official maritime business, so it is unlikely they will be accepted when traveling on a cruise.

Here are some other documents that will not be accepted as proof of citizenship:

  • Voter registration cards
  • Social Security cards
  • Baptismal papers
  • Hospital certificates of birth (for anyone older than a newborn)

It is important to note that many of the permitted forms of identification, such as a passport card or EDL, are only accepted at land and sea border crossings. Unforeseen circumstances, such as a medical air evacuation, may cause you to return to the U.S. by air travel. In this case, these documents won't be accepted when you try to reenter at the border crossing.

To avoid extra delays in your return to the U.S. following unforeseen travel complications, the Department of State recommends that everyone taking a cruise from the United States carry a valid passport book in case of emergency.

Why Trust U.S. News Travel

Erin Vasta has traveled extensively to international destinations, gaining a deep knowledge of travel regulations in the process. Her expertise in this area has saved her family and friends from unnecessary travel delays and ensured stress-free trips through border security in nearly 15 countries. To write this article, Vasta used her international travel experience and research skills.

You might also be interested in:

  • The Top Passport Holders
  • Cruise Packing List: Essentials to Bring
  • Safe at Sea: The Best Cruise Insurance

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Cruise travel insurance: What it covers and why you need it

Gene Sloan

What does cruise travel insurance cover? And does it pay to buy cruise travel insurance?

The answer is not always clear-cut, as we'll discuss in this guide. But consider this: It's not always smooth seas when it comes to cruising. Even the best-laid plans for a cruise vacation can sometimes be thrown off course by an unexpected event.

You might need to cancel a cruise in advance due to the sudden onset of an illness, such as COVID-19 or the flu. Or, maybe you fall ill during the cruise and need emergency medical attention. Maybe your flight to your ship gets canceled, and you miss the vessel's departure. Or your ship is late arriving in port at the end of a voyage, and you miss your flight home.

In all of these situations, you might benefit from having cruise travel insurance — keyword "might."

Cruise insurance policies vary widely, and not every policy covers every type of mishap. That's why it always pays to read the fine print in a travel insurance policy before you purchase it to know what you're getting in advance.

It's also why you should read this introduction to everything you need to know about cruise insurance. It has many details, but the next time something unexpected happens on your cruise vacation, you'll be glad to be educated and covered by a comprehensive travel insurance policy.

What does travel insurance cover when you cruise?

The typical cruise insurance policy covers a wide range of circumstances that can go wrong in conjunction with a vacation at sea — both before and during the sailing.

For starters, policies often will reimburse you for the cost of canceling a cruise due to a last-minute crisis. They will also often cover costs related to an interruption of a cruise (maybe your ship breaks down, requiring you to fly home mid-voyage ). These two elements are known as trip-cancellation and trip-interruption insurance, and they are bundled into a typical travel insurance policy.

Some policies will also cover out-of-pocket costs related to a flight delay or cancellation that results in you missing your cruise departure (for instance, the cost of catching up to the ship at its next port). Expenses related to baggage delays and loss are often covered as well.

But perhaps most importantly, many travel insurance policies will cover medical expenses you incur while on a cruise. Some will even cover the cost of evacuating from a foreign destination if you are in the midst of a medical crisis.

Travel insurance giant Allianz Global Assistance reports that 53% of all cruise-related "billing reasons" for claims are because of illness for the insured person, while 14% are for an injury. Another 8% are for the illness of a family member, 4% for the death of a family member and 4% for the illness of a traveling companion, among other reasons.

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Those percentages include illness and accidents that happen to cruisers just before a trip, making travel impossible. But, in many cases, such claims result from illness and injuries that occur during voyages.

"People often take risks during vacation that they might not take back home, whether riding a jet ski, zipping around on a motorized scooter in a city they don't know well or hiking unfamiliar terrain," James Page, senior vice president and chief administration officer of AIG Travel, told TPG .

Some policies also cover the financial default of a travel provider. In such cases, if your cruise line goes out of business before you sail, you could get all — or at least some — of your money back.

Cruise travel insurance policies don't cover everything. For instance, standard travel insurers generally will not reimburse you for the cost of a cruise you cancel due to worries about an outbreak of an illness. That's true even if a U.S. government agency such as the U.S. Centers for Disease Control and Prevention issues a recommendation that you don't cruise due to an illness outbreak, as it did during the COVID-19 pandemic .

If you want the ultimate flexibility to cancel for such a reason or any other, you'll want to look into a more expensive cancel for any reason travel insurance upgrade.

Related: Avoiding outbreaks isn't covered by most travel insurance policies

Where to find a cruise travel insurance policy

You can buy a travel insurance policy directly from your cruise line when booking your trip or through your travel agent (if you're using one, which often is a good idea when booking a cruise). You also can go directly to a third-party travel insurance provider or a travel-insurance aggregator site, such as InsureMyTrip or TravelInsurance . Your credit card might even give you some travel protections.

Here's what you need to know about each type of cruise travel insurance.

Third-party insurance companies

Third-party insurance companies that specialize in writing travel insurance include AIG Travel, Allianz Travel Insurance, Travelex Insurance and American Express Travel Insurance.

One reason to use a travel agent or a travel aggregator: They can help you find a policy that offers added coverage specific to cruising.

Related: The Points Guy's guide to the best travel insurance companies

"Many plans now offer benefits that will specifically appeal to cruise travelers, such as missed connection, missed port-of-call and cruise disablement coverage," Stan Sandberg, cofounder of TravelInsurance.com, said.

Missed connection coverage reimburses cruisers for a set dollar amount if they need to rebook travel to catch up with their cruise at the next port. Missed port-of-call coverage pays a benefit if the cruise ship misses a scheduled port of call due to weather, a natural disaster or a mechanical breakdown.

Cruise disablement coverage pays a benefit if the traveler is confined on a ship for more than five hours without power, food, water or restrooms.

As noted, policies vary widely. It's a good idea to compare plans and make sure the one you buy has the elements that are most important to you. One size doesn't fit all.

Credit cards with travel benefits

Some premium credit cards offer valuable travel protections comparable to what you might get from a standard travel insurance plan. For example, the travel insurance provided when you pay for travel with select cards can reimburse you for expenses if your baggage is damaged, you're stranded overnight due to a flight delay or cancellation, or you have to return home to handle a family medical emergency.

The Chase Sapphire Reserve card, for example, offers trip delay reimbursement, trip cancellation and interruption insurance, emergency medical coverage and even medical evacuation coverage , among other benefits. And yes, cruise lines are considered common carriers just like airlines.

If you're planning to rely on a card like the Chase Sapphire Reserve or The Platinum Card® from American Express * (among others) for travel insurance, just be sure to recheck your card's benefits and limits carefully against regular travel insurance. You must pay for at least part — and sometimes all — of the trip with that credit card to take advantage of its protections.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

Related: The best credit cards for booking cruises

Find out if your credit card protection includes travel accident insurance or covers preexisting medical conditions, and figure out when it will pay you back. Other questions to ask: What are the coverage limits? Will you have to pay for a foreign hospital bill upfront and then seek reimbursement later?

Cruise lines

Cruise lines often ask consumers booking a cruise to buy the line's own protection at the time of purchase. If specifics about the coverage are lacking, always ask the line for details in advance, review coverage perks and limits; then, compare those to one or two independent travel insurance policies or your credit card's insurance benefits.

Related: A beginners guide to picking a cruise line

Cruise line travel insurance policies sometimes have quirks. Many cruise companies will only offer a travel voucher or credit for future use in the event of a covered cancellation, not an outright refund.

Also, financial default may not be a covered event in a cruise line-sold policy, but it's typically covered with plans from third-party travel insurance companies.

Cruise line policies also can be more restrictive.

"Cruise line insurance seems to have become better and has more widespread coverage than in the past, but it typically won't cover air or pre- and post-travel [arrangements] unless those elements are purchased through [the line]," said Debra Kerper, a Cruise Planners travel adviser from Carrollton, Texas, who books travel and sells private insurance. "This is when private insurance coverage becomes so very important."

How much does cruise insurance cost?

Expect to pay anywhere from 4% to 8% of your total prepaid, nonrefundable trip expenses for a travel insurance policy. That's a wide range, we know, but it reflects the wide range of products out there.

You'll also find some basic plans that cost even less than 4% of your trip expenses, while some super-premium plans that cover just about any conceivable issue can cost as much as 12% of your trip expenses.

Related: What's included in your cruise fare?

All reputable insurance companies will offer a "free-look period" during which you can receive a 100% refund on your premium. This allows you to review the policy you've selected and return it for any reason within the period allotted — usually for a small administration fee of less than $10.

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Under normal circumstances, you don't need to purchase a so-called "cancel for any reason" add-on to your cruise travel insurance policy unless you really need the flexibility. The upgrades are significantly more expensive.

You can receive a quote and purchase a policy online in minutes with any credit card. Although you may think travel insurance should code as "travel" when paid on a credit card and thus be eligible for bonus points on certain cards, that isn't always the case. Your points earnings will depend on the individual underwriter's merchant code. When in doubt, expect the purchase to fall under the insurance category for earnings.

Should I buy travel insurance for a cruise?

Whether you buy travel insurance is a personal decision that will depend on many factors. Would you be willing to absorb the loss of canceling a cruise on short notice due to an illness or accident? Could you afford an evacuation flight from a far-off port if you suddenly became seriously ill? Only you can answer those sorts of questions.

Here are some things to consider as you make that decision.

You might not be covered by regular medical insurance while cruising

If you're a U.S. citizen traveling internationally (which will be the case for most cruises), you may find that most private medical insurance plans in the U.S. won't cover you.

Additionally, Original Medicare only covers people traveling outside U.S. borders in limited circumstances.

While certain Medicare Supplement Plans do have some foreign emergency medical benefits, not all do. Be sure to talk to your Medical Supplemental Plan provider to see if you're covered, what's covered, what the limits are and how the bill is paid.

Also note that, in some countries (particularly those in Central and South America), travelers may not be discharged from a hospital until their bill is paid in full.

Related: Trip wrecked: 7 ways to prepare for any kind of travel disaster

Plus, if you have a medical incident overseas, you could find yourself stuck in a shared hospital room without air conditioning or a private bathroom. The level of care may not be what you expect.

"For people traveling internationally, it's crucial to know beforehand where to go for any treatment … and how they're going to pay for that treatment," Page said.

Getting evacuated for a medical condition is expensive

Most airlines won't accept seriously ill passengers, those carrying bulky medical equipment or those requiring a full medical team.

Even a low-cost weekend getaway on a cruise to the Bahamas out of Miami can turn costly if you suffer a serious accident or illness requiring medical treatment or an emergency medical evacuation.

Related: Do cruise ships have doctors, nurses, medical centers or hospitals?

Being flown back to the U.S. from a far-flung overseas location in a private, medically equipped aircraft, with a professional medical team on board, can run between $70,000 and $180,000, according to Mike Hallman, president and CEO of Medjet, a medical transport membership company.

"Domestic transports, which we cover as well, can cost upwards of $30,000," Hallman said.

Without proof of medical evacuation coverage, foreign providers will also want that money upfront. Hallman said that regular travel insurance will typically get you to an acceptable overseas hospital and even to a higher-level care facility if "medically necessary." Alternatively, medical evacuation coverage means you can fly home to your own hospital, doctors and family — without claim forms, cost caps on transports or surprise bills.

The tandem approach — buying both travel insurance and a separate medevac transport membership — is a good option, Hallman said.

"We always recommend travel insurance, as it covers trip interruption, which is important, as well as medical coverage for the hospital and treatment costs," he said. "We pick up where they leave off."

You can't predict the weather

Cruising is a great way to explore multiple destinations in one trip. But it's good to remember that unexpected delays, interruptions or cancellations due to weather can happen during cruises, particularly during hurricane seasons in places such as the Caribbean and Asia (where hurricanes are called typhoons).

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During a typical hurricane season (June 1 to Nov. 30), Allianz pays about 6,000 claims from customers whose travel plans in the Caribbean, Gulf of Mexico and southeastern U.S. are affected by the storms, according to a spokesperson for Allianz Global Assistance USA.

If you're hoping to insure against a storm-related disaster, it's good to buy travel insurance as early as possible. Once a storm or hurricane is named, it's too late to buy travel insurance to cover it.

Of course, cruise lines will move ships away from a weather threat. When the port lineup is adjusted or the cruise shortened, the company will offer the guest an onboard credit, onboard gift or future cruise credit rather than any refund. It depends on the circumstances of that specific voyage. You won't be able to make a claim on your cruise travel insurance policy just for a minor itinerary change .

Related: Everything you need to know about cruising during hurricane season

Costs can mount quickly when things go wrong

Even if the cruise line does provide a full or partial refund or cruise credit for an itinerary change or some other interruption, travelers could have to swallow the cost of other travel elements not purchased through the line. That could include nonrefundable flights , prepaid resort or hotel nights, nonrefundable tour fees and more.

Travel insurance can cover those, plus help with flight delays or cancellations, baggage loss or theft.

If a winter storm causes you to miss your flight to where the ship is boarding , "travel insurance could help you get to the next port to join the cruise, so you don't miss your entire trip," Page said.

In fact, 13% of "billing reasons" for claims to Allianz are for common carrier delays (such as a flight delay), while weather and natural disaster-related claims account for about 3%.

The government probably won't bail you out

While cruise ships have medical facilities, they're usually not equipped to treat serious illnesses. If you experience a serious medical problem on a vessel, you may have to get off the ship in a foreign port to seek treatment at a hospital. In such a case, if you don't have medical evacuation insurance, you may then find yourself stranded in that port awaiting a medical evacuation.

Don't expect Uncle Sam to step in and help foot the bill.

The U.S. Department of State's Bureau of Consular Affairs clearly states the importance of buying travel insurance.

"The U.S. government does not provide medical insurance for U.S. citizens overseas," the bureau says on the website. "We do not pay medical bills. You should purchase insurance before you travel."

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You may need more assistance than you think

If you're injured or become severely ill during a cruise, especially in a foreign country, it may be difficult to access help without the assistance of trained professionals that comes with many insurance plans.

Many travel insurance companies provide around-the-clock assistance with locating overseas clinics and pharmacies, getting to a doctor or hospital, refilling lost or depleted prescriptions, assisting with up-front payments to hospitals, and arranging flight changes so you can get home.

Travel insurance companies also can arrange for an air ambulance, a nurse escort, oxygen and a lie-flat seat on a flight home if your medical condition warrants it.

You want to be careful if you have preexisting conditions

When you cruise, it's important to be fully covered, which means having comprehensive medical coverage that includes any preexisting conditions. Otherwise, if you head into a doctor's office overseas, have any tests completed, or visit an urgent care center or emergency room, you might not be covered.

Here, timing is extremely important. Cruisers seeking coverage of preexisting conditions, as well as cancel for any reason insurance, generally must book within seven to 21 days of the first payment they make for a trip. The timing varies by insurer.

Bottom line

Cruise insurance isn't for every traveler — or even for every sailing. It's not inexpensive. However, it can bring a lot of peace of mind if you're about to head out to sea. Do your homework, compare plans and always assess the risks.

Planning a cruise? Start with these stories:

  • The 5 most desirable cabin locations on any cruise ship
  • The 8 worst cabin locations on any cruise ship
  • A quick guide to the most popular cruise lines
  • 21 tips and tricks that will make your cruise go smoothly
  • Top ways cruisers waste money
  • 12 best cruises for people who never want to grow up
  • The ultimate guide to what to pack for a cruise

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Carnival cruise ship rescues nearly 30 people from adrift vessel

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A Carnival Cruise Line ship rescued nearly 30 people who were stuck at sea on Sunday.

The crew on Carnival Paradise saved 28 Cuban nationals who were signaling for help on a vessel that was adrift around 2:30 p.m. The cruise ship was headed from Tampa, Florida, to Roatan in Honduras at the time.

“The bridge team onboard spotted the vessel and turned the ship around to rescue them,” Carnival said in a news release . “All were taken aboard, given food and were seen by the medical team.” The cruise line also notified the U.S. Coast Guard Sector Key West and officials in Roatan.

The Coast Guard did not immediately respond to USA TODAY’s request for comment.

The ship was set to visit Roatan on Monday. Carnival Paradise is on a five-day Caribbean cruise that departed from Tampa on Saturday, according to CruiseMapper .

The news comes after Celebrity Cruises’ Celebrity Apex ship rescued seven people in a small vessel adrift between Cuba and Mexico earlier this month. Another Carnival ship, Carnival Jubilee, also rescued two people stuck in a kayak off the coast of Mexico’s Isla Mujeres in January.

Nathan Diller is a consumer travel reporter for USA TODAY based in Nashville. You can reach him at [email protected].

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