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• Best Travel Insurance For Cruises

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Our Pick Of The Best Cruise Travel Insurance

Published: Mar 28, 2024, 11:11am

Cruising was put on pause during Covid, but like most post-pandemic travel, it has since become a popular option for thousands of Australian holiday-makers.

According to Statista, revenue in the Australian cruising market is expected to grow by 9.48% per year, resulting in an expected market value of $US1.25 billion by 2027. And, with airfares remaining high across many international sectors, and increasing number of Aussies are opting for cruises.

A poll by insurance provider InsureandGo in January found that three in four of those surveyed have developed an interest in a cruise vacation, with the 57% of the under-50s now likely to opt for the all-inclusive cruise holiday.

Of course, when cruising in domestic or international waters, travel insurance is vital. What many travellers may not realise, however, is the need for a specific type of insurance to cover the risk factors and events specific to cruising—whether it’s missed ports cover, emergency evacuation or even formal wear cover for missed black-tie events.

That’s why for Australians looking to set sail, we have taken a look at the wider cruise insurance market and picked out our favourite providers of cruise travel insurance based on the cruise-related cover they offer.

Note: The below list represents a selection of our top category picks, as chosen by Forbes Advisor Australia’s editors and journalists. The information provided is purely factual and is not intended to imply any recommendation, opinion, or advice about a financial product. Not every product or provider in the marketplace has been reviewed, and the list below is not intended to be exhaustive nor replace your own research or independent financial advice. For more information on how Forbes Advisor ranks and reviews products, including how we identified our top category picks, read the methodology selection below.

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InsureandGo

Budget direct, southern cross, our methodology, do you need special travel insurance for a cruise, what does cruise insurance cover, covid cover on a cruise, frequently asked questions (faqs).

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Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Freely Travel Insurance

Medical Cover

Unlimited Overseas Medical Expenses* with 24/7 Emergency Assistance.

Flexibility to adjust your coverage even when you’re away in real-time.

In-app travel safety alerts to keep you safe.

Southern Cross Travel Insurance

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Cabin Confinement Cover

Covered for covid, missed ports cover.

InsureandGo offers a specific cruise insurance policy to its customers which is available to those aged up to 79 years old on the bare essentials cruise policy and 100 years old for the more comprehensive cover. There is unlimited medical cover on-board (including for diagnoses and treatment related to Covid), and a $5,000 cancellation cover if travellers need to cancel due to contracting the virus. Furthermore, cabin confinement is covered up to a total of $2,500 with $75 towards every completed 24-hour period.

Missed ports cover is also included with $100 for each port up to a total of $1,000, which is paid if your cruise docks at fewer ports than what is scheduled on your original cruise itinerary. There is also compensation for cruise delays, and InsureandGo regularly runs online discounts for consumers to find the best deal.

• Cabin confinement covered up to $2,500
• Unlimited medical including Covid
• Regular online discounts
• No specific cover for formal wear
• No live chat functionality
• Only covered up to 79 on bare essentials cruise policy

To be insured for a cruise via 1Cover, you will need to purchase a cruise pack on top of an existing policy. If you’re cruising in Australia, you’ll need to purchase a domestic policy and if you’re cruising in Australia as well as international waters, you’ll need to purchase a comprehensive policy. You will then need to add a cruise pack to each of these.

While all ages are covered with 1Cover, there is a $3,000 excess for travellers over 80 years old and a maximum coverage length of six months. There is unlimited medical and dental cover while onboard, and cover related to Covid-19 diagnosis, pending certain conditions.

• Missed ports cover
• Covid included in unlimited medical cover
• Positive customer reviews
• No online discounts
• $3000 excess for travellers over 80 years old
• No livechat functionality

Allianz offers its cruise insurance via a cruise pack on both domestic and international policies. All ages are covered, medical cover while cruising is unlimited (including for Covid), and cancellation due to Covid is also recognised. Allianz also covers cabin confinement up to $500 if you are confined for more than a 48-hour period.

Unfortunately, Allianz does not offer any compensation for missed ports, however, there is cover for missed shore excursions. This means if you pre-paid for an excursion on-shore and then are unable to go for either medical reasons or reasons outside of your control (such as not docking at the port), you will be reimbursed up to $1,000.

• Covid is covered under medical expenses
• Cover for missed onshore activities cover
• No missed ports cover
• Must be purchased as an add-on to existing policy

With Budget Direct, you can only take out a cruise insurance policy if you first purchase an international travel insurance policy and then add on the cruise pack. The cruise pack covers all ages, nearly 30 pre-existing medical conditions, and unlimited medical treatment. It also includes dental treatment onboard up to $2,000 and cabin confinement up to $1,500.

Budget Direct also offers compensation for missed ports cover if you cannot dock due to unforeseen circumstances, as well as missed shore excursions for any tours or activities that were pre-paid. At the time of writing, Budget Direct is offering a 15% online discount.

• Unlimited medical cover
• Some poor customer reviews
• No specific formal wear cover

If you purchase a domestic or international travel insurance policy with Bupa, you will have the option to purchase an additional cruise pack, which is available to all ages. It offers unlimited medical cover, including overseas medical and hospital expenses in the event that you are diagnosed with Covid; cancellation cover for Covid; and $500 for cabin confinement in the event that you are confined for more than a 48-hour period.

Unfortunately, there is no missed ports cover with the Bupa cruise pack. However, there is a marine rescue diversion cover which is paid out if your cruise must divert in order to complete a marine rescue. Additionally, there is cover up to $1,000 if you miss a pre-paid on-shore excursion due to unforeseen circumstances.

• Cancellation cover for Covid
• All ages are covered
• Must purchase cruise pack as an add-on
• Cabin confinement capped at $500

While Medibank allows all ages to purchase its cruise pack (when purchased in addition to an international travel insurance policy) it has reduced coverage for those aged over 70. For those under 70, there are 34 pre-existing conditions automatically covered, unlimited onboard dental and medical (including Covid), medical evacuation for Covid and cabin confinement up to a total $1,500 for more than 24 hours ($100 per day).

Missed port cover is also included up to a total of $1,000 for unforeseen circumstances, and missed shore excursions are covered up to $1,000, granted they were pre-paid and are non-refundable. While there is currently a 15% online discount, it is only available to Medibank members.

• Many preexisting conditions automatically included
• Unlimited medical and dental
• $1,500 cabin confinement cover
• Cover is reduced for those over 70
• Discount only available for Medibank members
• Average customer reviews

Cruise cover is available as an add-on to Cover-More’s international travel insurance plan and is available for those aged up to 99 years of age, pending acceptance via set criteria. There are 32 pre-existing conditions that are automatically covered, as well as unlimited medical and dental cover, including for Covid. There is also cancellation cover related to Covid, with the amount depending on whether the cruise has already departed.

Meanwhile, cabin confinement is covered up to $100 per day when the period of confinement is more than 24 hours, up to a maximum cover of $1,500. Missed ports and missed excursions are also covered up to $1,000 each.

• No online discount
• Tougher criteria for older travellers

Whether you are travelling domestically or internationally on your cruise, you will need to purchase the cruise ‘boost’ plan to Freely’s international travel insurance policy. The plan is available up to 99 years of age, with unlimited on-board medical and dental. There is also cover available for Covid, however, an excess applies for medical and cancellation cover related to the virus. Cabin confinement is also covered up to a maximum of $1,500 (if not related to Covid).

Missed ports cover and missed on-shore excursions cover are also insured up to $1,000 each. As Freely is new on the market, it does not have a large amount of reviews online, and has only scored 1.0 stars out of 5 from fewer than 10 reviews, at the time of writing. More reviews would be required to form an accurate picture of Freely’s customer satisfaction levels.

• Cover up to 99 years
• No discounts
• Covid not covered under ‘cabin confinement’
• Small number of reviews

Cabin Confinement

With Southern Cross travel insurance, cruise cover can be added to both the domestic and the international travel insurance policies depending on where you are travelling. Cover is up to age 118, although there are no pre-existing conditions that are automatically covered (assessment is required for all). There is, however, unlimited medical cover with certain sub-limits applying, as well as emergency dental and Covid cover.

Unfortunately, there is no specific cover available for cabin confinement, nor is there any cover for missed ports or missed on-shore excursions. There is cover for special events under cancellation cover, although this again requires meeting certain criteria.

• Positive online reviews
• Cover up to 118 years old
• Preexisting conditions not automatically included
• No cabin confinement cover
• No missed ports or onshore excursions cover

In order to choose our top picks for the best travel insurance for cruises, Forbes Advisor Australia looked at and analysed nearly 30 different travel insurance providers. In doing so, we found the top nine ranking providers after carefully considering a range of factors.

These factors, and the details of such, were:

• The underwriter: who underwrites the insurance policy;
• Cruise cover type: if it is a standalone policy or an optional add-on;
• How the cruise insurance needs to be purchased: whether you need to purchase a domestic or international policy before you can add cruising, or if it can be purchased individually;
• Maximum age covered: what ages are covered by the policy, and if there are any conditions for travellers above a certain age (such as a higher excess);
• Pre-existing conditions: how many, if any, pre-existing conditions are automatically covered, and what requirements are necessary to have other pre-existing conditions covered;
• Onboard medical and dental treatment: whether or not the onboard medical cover is unlimited and, if so, whether dental is included within that medical treatment or if it has its own sublimit;
• Medical Covid cover: if Covid is included within the unlimited medical cover, or any conditions that would make it void;
• Cabin confinement cover: whether or not you are compensated for cabin confinement due to medical reasons or unforeseen circumstances, as well as how long the confinement must be to qualify and the total compensation amount;
• Emergency evacuation: if you are covered for emergency evacuation due to a worsening medical condition onboard when not nearby to a port;
• Stolen items cover: cover for any stolen items such as laptops or phones;
• Formal wear cover: cover for any damage or theft of formal wear, due to the popularity of black tie events on cruises;
• Lost luggage cover: general lost luggage cover, including sub-limits of items;
• Missed ports cover: whether you’re covered if your cruise misses a port if you are unable to dock due to unforeseen circumstances;
• Missed on-shore excursions cover: whether or not there is any compensation and reimbursement for activities and excursions that are pre-paid and missed, whether due to medical reasons or due to not being able to port;
• General cancellation cover: any general cancellation cover available, such as if you have to cancel the trip prior to embarking or due to Covid;
• Average consumer rating: what the average consumer rating out of 5 is from customers via Australia’s independent review site, ProductReview;
• Online discounts: any online discounts available at the time of writing, and whether there are conditions in order to receive such discount (such as being a customer of the insurer already); and
• Customer service: the customer service capabilities of the company, including any emergency lines and ease of making claims.

About Star Rankings

You will note that we have included a star rating next to each product or provider. This rating was determined by the editorial team once all of the data points above were considered, and the pros and cons of each product attribute was reviewed. The star rating is solely the view of Forbes Advisor editorial staff. Commercial partners or advertisers have no bearing on the star rating or their inclusion on this list. Star ratings are only one factor to be considered, and Forbes Advisor encourages you to seek independent advice from an authorised financial adviser in relation to your own financial circumstances and investments before you decide to choose a particular financial product or service.

It depends on the insurer. As there are certain events unique to cruises, as well as certain risks associated with travelling by sea, many travel insurance companies offer cover that’s tailored to cruising. Others simply cover cruising as part of their comprehensive plans, addressing the terms and conditions of cruising in the pds.

Among those who offer cruising as separate from other travel insurance, there are two main ways to ensure you’re covered for cruising: some providers allow you to directly purchase a distinct cruise policy, while others require you to purchase an add-on or a ‘cruise pack’ as an adjunct to one of their pre-existing policies.

When analysing the above policies, we also looked at how these were offered by each provider, and considered what the cruise pack was called (if it was an additional add-on), and the level of difficulty for the consumer in understanding their cruise cover.

Domestic Cruise Cover

If you are cruising in Australian waters, you may think that an Australian domestic policy would cut it: but that isn’t necessarily the case. While some policies will allow you to add a cruise pack to a domestic policy if only travelling in domestic waters, it is common for insurance providers to offer the international policy instead—and then ask you to pick ‘domestic cruise’ as the cruise destination under the international policy.

This is because once your ship leaves the port, you’re no longer covered for hospital or medical expenses by Medicare–meaning you won’t be covered for any expenses incurred on-board the ship even if you are travelling in Australian waters. You’re also not covered by Medicare or private health when you’re on land for cruise excursion even if you’re in an Australian state or territory–instead you will need to pay for the onboard medical staff who are not Medicare registered GPs and often very expensive.

This is why a domestic travel insurance policy isn’t enough coverage; you need, at the very least, international comprehensive insurance, with unlimited medical cover.

Travel insurance is encouraged when travelling overseas, and cruising is no exception. With a different travel style comes different travel needs, so here is a brief outline of some of the common events and coverage unique to cruise insurance.

Weather can be unpredictable at the best of times, and can play havoc with cruising schedules. While your itinerary will have planned ports to stop at, allowing you to go onto land and visit different destinations, changes may be made to your itinerary due to unforeseen circumstances, such as weather restrictions, natural disasters or mechanical failures.

If you are unable to dock at your designated port or ports, some insurers may offer compensation–known as missed ports cover. Commonly, there is an amount of cover for each port missed (such as $250, for example) and a total maximum cover. This is commonly $750 across the insurance market.

You will usually need a written statement from the cruise company confirming the reason for missing the port, and proof that the port was part of your original itinerary, in order to make a claim with most insurance providers.

Missed On-Shore Excursions

Similar to missed ports cover, missed on-shore excursion cover is for excursions and activities that you cannot attend at a port: whether because the port was missed, or due to other unforeseen conditions.

These unforeseen conditions included cabin confinement, medical reasons, circumstances outside of your control or other unexpected events as covered under the particular policy.

There is usually a limit to the amount of cover the insurer will provide (commonly around $1000), and it can only be put towards the nonrefundable cost of a pre-paid excursion.

Stolen or Damaged Formal Wear

It’s a common occurrence on cruises to have formal evenings, including Great Gatsby-themed nights and black tie events. Because of this, the majority of cruise-goers often have formal attire in their luggage, from tuxedos and evening gowns to expensive jewellery.

As with all insurance policies, the details of the formal wear cover will vary from provider to provider. Commonly, you’ll have a monetary value of cover if your formal wear is stolen, accidentally damaged or permanently lost, however, some other providers may provide cover if your formal wear is delayed before the time of vessel departure and also cover the cost to hire or replace the formal wear in the meantime.

Some policies do not have formal wear cover specifically, but rather include formal wear as a sub-limit with the general lost luggage cover included in the policy.

As we learnt during the height of the Covid-19 pandemic, cruise ships can be a breeding ground for infections. The Ruby Princess was a clear indicator of this, with the Australian cruise ship playing host to more than 850 infected passengers.

Cruise ships have since had to adapt–as have cruise insurance policy providers–to ensure travellers are protected should an outbreak of a Covid happen again (or of any other virus, for that matter).

Commonly, cruise providers will offer a cabin confinement allowance if you are confined to your cabin or in a medical facility for a certain period, up to a maximum amount. This can cover a daily stipend for you to use on room service or for any needs you require while confined.

The maximum cover is usually around $1,500, so anything around that ballpark is considered a good cabin confinement offer.

Most cruise insurance policies offer unlimited medical cover while on board the ship, and most ships have extensive medical facilities to help protect you should you fall ill or injure yourself. But in this day and age, Covid is something all travellers would want to be covered for, too.

Of the top nine cruise insurance providers Forbes Advisor Australia chose, all of them offered Covid cover. Any insurer that didn’t offer this specification was ranked lower, due to the increased need for Covid cover in general–but especially while sailing at sea.

The level of cover for Covid varies across providers, but it is expected that travellers are covered for hospital and medical needs under the unlimited medical cover. Some providers may have certain excess requirements for certain Covid-related claims, and may also cover cabin confinement should you fall ill with the virus.

More premium providers will also include Covid as a reason for cancellation prior to embarking on your trip, and a reason to be able to claim missed ports cover or missed on-shore excursions. There may be excess requirements with these claims, or certain sub-limits depending on the provider.

It’s essential that you read the product disclosure statement before taking out a cruise insurance policy so you know exactly what you’re covered for, Covid-related and otherwise.

Should you have travel insurance for a cruise?

Yes, if you are going on a cruise, you should purchase travel insurance. In fact, most cruise companies will not allow you to embark on the cruise without a travel insurance policy. As cruises have different requirements for travel insurance, you will need to ensure your international comprehensive cover includes cruising, purchase a policy that is specific to cruising, or an add-on a cruise pack to your regular policy. You can find out how to purchase the policy through your travel insurance provider, as they each have different processes.

What type of insurance do you need for a cruise?

To travel on a cruise you need a cruise-specific travel insurance, travel insurance which offers cruise cover as an add-on or comprehensive travel insurance that includes cruising.

Which companies offer cruise insurance?

There are many different insurance companies that offer specific cruise insurance, including health insurance companies, such as Medibank and Bupa, to newer insurance startup companies focused on travel insurance, such as Freely.

Is there specific travel insurance for cruises?

Yes, there is specific travel insurance available for a cruise, which is sometimes called a ‘cruise pack’ and can be added onto your travel insurance, as well as dedicated cruise cover that is all-encompassing. Some insurers don’t offer special cruise policies or packs, but simply include it in their comprehensive policies.

Do I need cruise travel insurance on a domestic cruise?

Yes, you do. This comes as a surprise to many, but even if you are only cruising in Australian waters, once your ship leaves the port, you’re no longer covered for hospital or medical expenses by Medicare. Furthermore, even during shore excursions in Australia, you are not coveerd by Medicare or private health entitlements, and instead must rely on privately funded onboard medical staff. That is why cruise travel insurance is important.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

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Which travel insurers cover you for cruises?

Cruises are officially back on the cards and people are queuing up to get on board. here's how to make sure you're covered..

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Need to know

• Most travel insurers cover cruises but there are some exclusions and fine print to be aware of
• For example, you won't be able to claim for events that occur because you've had too much to drink
• You need to make sure you declare your pre-existing medical conditions

With the restrictions on cruises finally lifted post-pandemic, the industry has bounced back in a big way this year and is more popular than ever.

But some people lost thousands of dollars on cancelled cruises during the COVID-19 travel bans and some cruise lines might not even let you on board without travel insurance.

So if you're planning a cruise, read on to discover how to choose the travel insurance policy that's best for you.

On this page:

Travel insurance for overseas cruises

Which travel insurers cover international cruises, what cruise travel insurance won't cover, do i need insurance for australian cruises, when to buy travel insurance for a cruise.

Most travel insurers cover international cruises that start and end in Australia, usually as an optional extra (we haven't looked at cover for cruises that start and/or end overseas). 

Some providers also offer tailored cruise travel insurance, which can give you access to additional inclusions that are unique to cruising and that may not be covered in standard policies, such as cover for missed ports, missed departures, or cabin confinement due to illness.

When choosing a policy, it's important to make sure the region you're visiting is covered and that it suits your needs and itinerary.

Check the policy age limit, as some policies cover you up to the age of 100 but others only cover you up to 69. 

It's also worth noting that if you want cancellation coverage in case a relative in Australia becomes ill or dies, the relative will also need to meet the age limit on the policy and satisfy the existing medical condition requirements.

Australian authorities no longer require people to prove they've had a COVID-19 vaccination in order to board, but it may be required for some destinations such as New Caledonia, and cruise ships are still a higher risk setting for diseases like gastroenteritis and respiratory infections, including influenza (flu) and COVID-19. So check if you have medical and cancellation cover for COVID-19 and other illnesses.

Existing medical conditions and pregnancy

As with other types of travel insurance, some pre-existing medical conditions may not be covered, and others will need to be disclosed in order to be covered. If in doubt, contact the insurer to discuss your needs.

It's also worth noting that pregnancy is considered an existing medical condition. Some insurance policies cover pregnancy up to 30 weeks, but most cruise lines won't allow you on board if you're more than 24 weeks pregnant.

Travel insurance and alcohol

Some people liken cruises to a floating RSL club, but the combination of alcohol and a seagoing vessel can cause accidents. 

In an Australian Financial Complaints Authority (AFCA) case, Phil* fell down a flight of stairs on a cruise ship and suffered a moderate brain injury, skull fracture and right lung contusion.

All travel insurers have a clause that excludes cover for claims resulting from a person being under the influence of alcohol

Phil said the area was not well lit and the steps would have been slippery, while his wife said he was walking steadily. He was taken to a hospital in Austria and a test showed that he had a blood alcohol content (BAC) of 0.198%.

The insurer had an exclusion for "any conduct engaged in whilst under the influence or effect of alcohol or drugs", and AFCA sided with the insurer, determining that Phil's claim for expenses should be denied.

All travel insurers have a similar clause that excludes cover for claims resulting from a person being under the influence of alcohol.

* Not their real name. Policyholder names are not disclosed in AFCA case records.

Even if you book a cruise that won't be leaving Australian waters, you may still need travel insurance as shipboard medical expenses might not be covered by Medicare. Check that your travel insurance does cover medical costs – you may need international or cruise-specific insurance. Domestic travel or health insurance won't cut it.

Doctors working on cruise ships don't need Medicare provider numbers, so check with your cruise line if they have a Medicare doctor on board. If they don't, and they treat you, you can't claim on Medicare or your private health insurance, even though you never left Australia. 

Domestic travel insurance doesn't cover medical costs, so you'd need either international travel insurance (check that it covers domestic cruises) or special 'domestic cruise' insurance, which is available from a few select insurers.

Cruises are often booked well ahead of time, so you could be forgiven for forgetting or delaying the purchase of your travel insurance. But if your cruise is cancelled ahead of time and you don't yet have cover, you could lose your money. The earlier you buy the policy, the better.

On the flip side, there aren't many insurers that cover you more than a year out from starting your trip. If you book your trip more than a year out, shop around for a policy that will cover you.

Stock images:  Getty, unless otherwise stated.

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Cruise travel insurance

Cruises provide a relaxed and unique holiday experience but there is nothing more stressful than being unprepared for an unexpected event. Bask in the sun and enjoy added confidence on your holiday with cruise insurance.

Why should you get travel insurance when taking a cruise?

If you're going on a cruise, even just around Australia, it's wise to consider travel insurance. Why? Because unexpected events can occur, and Medicare may not cover you onboard.

Any traveller who is planning to take a cruise should consider purchasing travel insurance, including those travelling with family, friends, or alone. It’s also important to consider how long your cruise is planned to be. A longer trip (over 7 days) provides a greater likelihood of encountering unexpected contingencies during the journey.

Travel insurance for cruises can come in handy in various scenarios, including lost or stolen luggage and belongings, cancelling a pre-booked cruise due to unforeseen circumstances, and accidents at sea.

What if I need medical assistance during the cruise?

Cruise ships, whether they are navigating domestic or international waters, are equipped with medical facilities and staff. However, it's important to note that the role of these onboard medical professionals is mainly to provide initial stabilisation in case of health emergencies.

In situations where a passenger requires urgent and extensive medical care while on a cruise, the response may involve a medical evacuation. This process involves transporting the individual from the ship to the nearest hospital for comprehensive treatment. The cost of such evacuations can vary greatly and often depends on the cruise's location in the world at the time of the emergency. This is a significant consideration, especially in remote or international waters, where evacuation logistics can be complex and expensive.

Does Medicare cover me while I’m on a cruise?

As with all other types of holidays, the unexpected can happen, and you may not be eligible for Medicare once your ship leaves port.

For cruises within Australian waters, it might be a good idea to have travel insurance as claims on Medicare or private health insurance may not be applicable, even on a domestic cruise. Check in advance whether the cruise ship provides access to a Medicare-registered doctor to ensure you have appropriate medical coverage during your journey.

Additionally, cruises travelling between an Australian port and a foreign port are not eligible for Medicare benefits, regardless of the practitioner, and the same goes for journeys between two foreign ports.

Does travel insurance cover existing medical conditions?

Typically, travel insurance policies may include automatic coverage for a range of pre-existing medical conditions. However, it's important to note that not all conditions fall under this automatic coverage . For those that don't, a medical assessment is required to confirm if coverage is available for an additional cost.

During this assessment, the insurer evaluates the risk associated with the specific medical condition and decides whether it can be covered under the policy. This process helps tailor the insurance to your individual health needs, for more comprehensive protection.

It's important to disclose all existing medical conditions and undergo any recommended assessments to secure the most appropriate and extensive coverage for your travel insurance policy.

Why should I get Australia Post’s cruise travel insurance?

While many cruise lines offer their own travel protection plans, these may only provide basic essentials or secondary cover, which might not be as comprehensive as standalone policies.

It may be a good idea to consider a policy backed by a global insurer, Zurich, through the travel insurance provided by Australia Post.

For journeys beyond Australian shores, consider our international travel insurance options.

Our policy includes emergency medical assistance, providing cover for both overseas medical and hospital expenses.

Before finalising any policy, thoroughly review its terms and conditions to clearly understand the coverage scope.

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Limits, sub-limits, conditions, exclusions and fees apply. Policies may not be available to all travellers. Australian Postal Corporation (ABN 28 864 970 579, AR No 338646) is the distributor of Australia Post Travel Insurance and is an Authorised Representative of Australia Post Services Pty Ltd (ABN 67 002 599 340 AFSL 457551). Travel insurance products are underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Consider your financial situation, needs and objectives and read the relevant Product Disclosure Statement and Target Market Determination before deciding to buy this insurance. For more information on these products, please contact us on 1300 728 015 or email [email protected]

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Travel Insurance for Cruises

Before you set sail into the sunset, consider whether you have the right travel insurance for cruises

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•   Things to know
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Important things to know about RACV Travel Insurance for cruises

Cruising can be a spectacular way to see the world or even just explore your own country in new, exciting ways. Whether you’re voyaging through the crystal-clear waters of the South Pacific, meandering through the Mediterranean or exploring Australia’s West Coast, cruise holidays can offer everything from total relaxation to action-packed adventure. RACV Travel Insurance includes limited COVID-19 cover #  on  RACV Comprehensive Travel Insurance  and  RACV Domestic Travel Insurance .

However, before you set sail into the sunset, you should consider whether you need travel insurance. If so, you should make sure you have the right  travel insurance  that covers you for cruises.

RACV Members get 15% off RACV Travel Insurance

Cruise cover

When you purchase a policy cruise option must be selected for all ocean voyages more than one night. This will determine the premium you pay.

Cover for international and domestic river cruising is included automatically in your Policy and you do not need to select the Cruise option.

Travel Insurance for Australian Cruises

If you’ve booked a cruise that’s only travelling around Australia and isn’t leaving Australian waters, you probably think that you won’t need travel insurance.

However, it’s important to consider travel insurance when cruising around Australia, as it can provide cover for cancellation fees and lost or delayed luggage as well as providing medical coverage while at sea. RACV International Travel Insurance policies include coverage for cruises in Australian waters.

If you are going on a cruise which is only in Australian waters or calling into ports in Australia, you may still require a policy which includes medical cover whilst you are on board the ship (check with your cruise provider) as the medical providers are not registered with Medicare. You will therefore need to select Australian Cruise as your country of destination. By selecting Australian Cruise as a destination you will be offered the international policy options and benefits. This will then provide cover for medical and evacuation benefit whilst at sea but not if you go to a medical provider whilst in port in Australia.

What is covered?

Depending on the type of cover chosen, RACV Travel Insurance policies may provide the following cover:

• Medical expenses and medical evacuation while on board the ship, from medical providers on board who are not registered with Medicare (Medicare or your private health insurer may cover you if you seek medical treatment on land, whilst the ship is in port)
• Lost or delayed luggage (sub-limits apply for the loss of specific items)
• Cancellation fees
• Lost deposits
• Emergency expenses,
• and so much more.

This cover provided by RACV Travel Insurance policies is subject to terms and conditions, limits (including sub-limits) and exclusions. For a comprehensive list of these and all the policy benefits on RACV Travel Insurance Australian Cruise coverage, as well as policy options and add-ons, click here .

RACV Travel Insurance policies for Australian Cruises

RACV Travel Insurance has a number of options to choose from for those looking to take a cruise that is only travelling in Australian waters. Just remember to apply for an International plan or an Annual Multi-Trip plan and select “Australian Cruise” as your destination – this ensures you have medical coverage on board the ship, where the medical providers are not registered with Medicare.

All RACV Members are also rewarded with 15% off their policy.

Insurance policies:

Comprehensive – for a more comprehensive cover which includes cancellation fees and lost deposits, overseas medical and hospital expenses and emergency overseas dental expenses.

• Essentials  – Mid-range cover with great inclusions such as emergency overseas dental expenses, cancellation fees and lost deposits and travel delay, overseas medical and hospital expenses.

Basics – Basic cover that includes key benefits like emergency overseas dental expenses, emergency expenses and lost luggage

• Annual-Multi Trip Plan – Planning on going away a few times over the next year? RACV Annual Multi-Trip Travel Insurance provides more comprehensive cover for an unlimited number of trips over 12-months.

International cruise travel insurance

By taking out an RACV International Travel Insurance  policy, you’re covered for cruises.

What does International Travel Insurance cover for cruises?

To be covered for cruising you must select Cruise option when purchasing your policy.

Depending on the type of cover chosen, RACV International Travel Insurance can cover:

• Overseas medical expenses and medical evacuation
• Cancellations (not available with Travel Care plans)
• Luggage (sub-limits apply for all items, and sets and pairs (including accessories are treated as one item))
• Limited COVID-19 cover #
• 24-hour emergency assistance
• Emergency expenses overseas
• A number of existing medical conditions and certain stages and conditions of pregnancy

International cruise coverage

There are a range of RACV International Travel Insurance policies to choose from.

If you would like to be covered for cruising you must select Cruise Option for all ocean voyages more than one night. This will determine the premium you pay.

Cover for international and domestic river cruising is included automatically in your policy and you do not need to select the Cruise option.

RACV International Travel Insurance:

Essentials – Mid-range cover with great inclusions such as emergency overseas dental expenses, cancellation fees and lost deposits and travel delay, overseas medical and hospital expenses.

Annual-Multi Trip Plan – Planning on going away a few times over the next year? Our multi-trip plan provides more comprehensive cover for an unlimited number of trips over 12-months.

When should you take out travel insurance?

Consider purchasing cover as soon as you pay for any part of your trip so that you’re covered in case you need to cancel due to unforeseen circumstances.

Luckily though, you can quickly and easily get RACV Travel Insurance online, up-to right  before you go . Even if you are at the airport ready to fly, there’s time to pack the added protection of RACV Travel Insurance for your trip.

• 2015 Australia Economic Impact Study -  Cruise Lines International Association 

Travel alerts, claims and policy documents

Travel alerts.

RACV Travel Insurance won't cover you for countries/regions with a DFAT travel advisory of "Do Not Travel".

• Smart traveller
• Recent travel alerts
• COVID-19 travel advice & FAQs

Review or manage your policy

For full details on how you’re covered, read the RACV Travel Insurance Product Disclosure Statement.

• Make a claim
• Find a policy document
• Contact us on 13 13 29

# Limits and sub-limits apply. Refer to the  Product Disclosure Statement  for full details.

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations . For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS.

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Cruise Insurance Quotes

Compare quotes and read reviews from Australia's leading travel insurance brands. Do your comparison online to save time, worry and loads of money.

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No hidden fees.

Travel agents and airlines charge huge commissions. We don’t! Our cruise insurance comparison is free. You'll be directed to the insurer's website to buy cruise insurance without sneaky charges.

On-board Medical Cover

Oh buoy, whether it’s a bout of food poisoning or a slip on the deck that sends you to the on-board doctor. you can rest assured your cruise policy will cover your expensive out-at-sea medical bills.

When You Go Off Course

Don’t fret if your flight is cancelled due to bad weather and you miss your boat setting sail – your cruise insurance will cover you for any pre-paid expenses you incur.

Product Choice

Ships ahoy! We compare cruise policies for all types of travellers from Australia’s reputable travel insurers. Compare 25+ brands including 1Cover, Amex, Budget Direct, Zoom Travel Insurance and more!

Cruisey Convenience

Don’t waste time visiting 10 websites separately. Using our cruise comparison will put you nautical miles ahead of the pack. Save yourself time and money by comparing your cruise insurance today.

Your Belongings

Aye aye captain! Most people pack a schmick camera on the boat to take pics of all those amazing views. Be confident all your valuables are covered with the right cruise cover.

travel insurance extraordinaire .css-1eehdh8{color:var(--chakra-colors-bananaLight);display:inline;} at your service

Need some help? Check out out handy FAQS to help with all your curly travel insurance questions.

cruising insurance .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} explained

Setting sail? You're not alone. Cruising is one of the fastest-growing holiday types amongst Aussie travellers. Whether you're cruising internationally or in domestic waters, medi-evacuations costing around $10,000 are just one reason you shouldn't leave home without cruise travel insurance.

With some brands, cruising is automatically covered in their comprehensive policy, while other insurers offer it as an optional add-on. We've taken the hunting around and guesswork out of it - simply enter your trip details with Cruise selected, and compare cruise travel insurance quotes from more than 25 of the top travel insurers. Remember to include the country of every port you are visiting, or regions like 'Pacific' or ' Europe' when entering your quote.

Why might you need cruise coverage? If you fall ill before you travel, you may have provision to claim back any lost deposits. If 20,000 leagues of sea get between you and your wallet, a comprehensive policy may cover lost cash, cards and replacing your all-important passport. And perhaps most importantly, when you're off exploring the world, it's important to know that you've got medical coverage should something unexpected happen.

medicare myth .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} stings aussies at sea

A common misconception is that Medicare covers cruisers in domestic water. When in fact Medicare coverage is restricted to around 20km from Australian ports, which means that once you’re out on the water; you’re on your own in terms of healthcare.

You are just as likely to fall ill, get injured or run into delays while cruising domestically as you are when travelling overseas. While cruise ships do have doctors on call, this doesn’t undermine the need for travel insurance. Infirmary bills can be as much as $5,000 per day and consultations and medications are usually charged at private, costly rates. In an emergency the facilities on board may not cut it, forcing you to evacuate to the nearest hospital. Without travel insurance, any medical fees and emergency transport expenses would be at your own cost.

If you consider the astronomical risks, cruise insurance is a no-brainer!

what does .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} cruise insurance cover?

Still not convinced you need cruise cover? Read on to find out why it's your ticket to 'sea' the world!

• Medical costs onboard: It's an unpleasant reality but we all fall ill and get injured, even while taking the dream cruise of a lifetime. Cruise travel insurance would provide cover for medical, surgical, hospital treatment and ambulance services. Your pre-existing conditions may also be covered, provided you cleared them with your insurer beforehand.
• Emergency evacuations: In the event that you fall ill or are injured and require emergency medical attention on land, cruise cover will pay for your emergency evacuation to the nearest hospital. Such costs can be exorbitant and far beyond the reach of most travel budgets so this benefit can’t be overlooked.
• Luggage and personal belongings: Lost, stolen or damaged belongings can put a huge dampener on your experience at sea. Provided you were taking reasonable care of your possessions, they’d be covered up to a set limit, depending on your cover level. Your policy may provide additional cover for valuables which is worth noting when travelling with high value items.
• Cancellations: Life sometimes gets in the way of your holiday plans. If you were to fall ill or were unable to board your cruise due to an unforeseen reason, travel insurance may cover your non-refundable cruise costs. Depending on your level of cover, you may be eligible to claim back all your lost costs. Cancellation cover kicks in as soon as you purchase your policy so it’s best to buy cover as soon as possible.
• Cabin confinement: Cabin confinement is a necessary evil when it comes to containing the spread of disease on board a cruise ship. It’s to everyone’s benefit that patients are quarantined to avoid contagion but it’s no picnic for the poor passengers forced to stay holed up in their cabins. Thankfully travel insurance can ease the pain by reimbursing you for each day you are confined up to the maximum amount outlined in your policy.
• Formal wear: Getting dressed up to the nines is part of the fun of cruising. But your black-tie and glam evening attire is probably on the pricier side, which can make it risky to take-on board. Some cruise policies cover your formal wear in the event of theft or damage, along with your other high-value belongings (i.e., phones, cameras and laptops). Check your policy to know your cover limits.
• Missed departure: Running late is never a nice feeling but missing your cruise departure date is especially unpleasant. Should you miss your cruise departure due to an accident, bad weather or mechanical breakdown, travel insurance will cover any additional travel and accommodation expenses you require before getting back on board.
• Pre-existing conditions: Having an illness or injury doesn't rule out your ability to get cover. Your pre-existing condition may be covered automatically or granted by application. It’s worth shopping around when comparing cruise policies as some insurers will cover a wider range of conditions, albeit at a premium.
• Missed port cover: While not all cruise policies feature this benefit, missed port cover reimburses passengers in the event that bad weather or mechanical breakdowns cause them to miss their port stop. This benefit can be hugely helpful in mitigating the disappointment of a missed port stop.

trending .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} cruise tips

Cruise Insurance: The Ultimate Guide

Like any holiday, there are risks. With so much time spent on the water, and so much of your journey dependent on various port authorities, the only way to truly relax is to know you’re covered should something go wrong.

What does cruise insurance cover?

What many people don't realise is that even if you're cruising Australian waters, once your cruise ship has left port, you are no longer covered for medical expenses by Medicare or your usual private health care provider.

Pre-existing Medical Conditions

Having pre-existing medical conditions doesn't mean you can't get cover or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.

cruise insurance .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} faqs

Am I covered automatically for going on a cruise?

It depends! Some insurers cover you for cruising automatically, others require you to purchase their cruise pack in order to be covered on land and sea. If you click 'more info' within the quote results, we tell you if the policy covers cruises automatically. Alternatively, when you are directed to your chosen insurer's site to buy, they will ask you if you want to add extras like cruise, activities, high value items and more. Make sure you select YES at this point if you are taking a cruise.

Do I need cruise insurance for domestic cruises?

Yes, you are required to purchase cover for cruising even when you're just sailing in domestic waters to be covered for any medical treatment you receive on board and for helicopter evacuation. You should select 'Pacific' in the quote process even if you're only cruising around Australia.

How much does it cost to visit the on-board doctor?

Even a quick trip to the on-board doctor can set you back a few bob! Consultations and medications on board are charged at private rates. These can amount to $250 for just a quick 10-minute appointment - so make sure you buy cruise insurance to cover you for any medical treatment you may require at sea.

Do I need to list every port we are visiting?

Yes, please include all destinations in your quote. If it's easier, you can opt to select a region. For example, if you are visiting Tonga, Fiji, New Caledonia, and Vanuatu. Instead of adding all destinations separately you can just select 'Pacific'.

What age can I buy travel insurance until?

Although you can compare seniors quotes up to the age 120 on Comparetravelinsurance.com.au, some insurers do have age limits you should be aware of. Our handy guide provides more details on seniors travel insurance age limits .

What pre-existing illnesses does seniors travel insurance cover?

Most insurers have a list of pre-existing medical conditions that are automatically covered for free like asthma, cataracts, some types of diabetes, hypertension which do not require an assessment or declaration form to be submitted. If you have a pre-existing medical condition not listed, you may be able to get cover for an additional fee. Depending upon the seriousness and recency of the condition, your application may require further assessment. See more about pre-existing conditions and medical assessments here .

Are golf clubs covered?

Not all travel insurance policies cover your golf clubs as standard, or luggage limits may apply. Make sure you do your research to make sure you are covered for clubs that are damaged in transit whilst in the hold. Or for damage to clubs whilst in use. See more information about who offers golf cover here .

Does seniors travel insurance cover hearing aids or false teeth?

Mid-range and Comprehensive policies provide cover for your items - but single item limits apply. Usually, you will be covered for around $750 per item. If your hearing aids or false teeth (or any other high-value item) are worth more than this, you'll need to tell your insurer so they can make sure you are properly insured.

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Choosing the best cruise travel insurance for you and your needs can be tricky - but our delightful customers are here to help. Thousands of Aussie travellers have reviewed their travel insurer so you can have the inside story on the policy, the customer service and the claims process before you buy.

Do you want to help your fellow travellers? Whether you're in love with your insurer or would rather leave them, review and rate them now.

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, Fast Cover Travel Insurance, InsureandGo, Ski-Insurance, Travel Insurance Saver, Tick, Zoom Travel Insurance. The directors and shareholders are common with companies Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590. 332 Kent Street, Sydney, NSW 2000 Australia.

• Travel Insurance Compare Our Plans Popular Benefits COVID-19 Benefits International Plans Domestic Plans Comprehensive Insurance Annual Multi-Trip Inbound Plan Cruise Ski & Snowboard Motorcycle & Moped Adventure Activities Seniors Medical Conditions
• Emergency Assistance
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• Manage Policy
• travel_explore Not sure? See region list.

Where are you going?

Enter the destination(s) you plan to visit or select them from the list of countries and regions in the dropdown.

Planning a stopover? If you’re in a country for less than 72 hours, you do not need to list it as a destination.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region, or you can select “Anywhere in the world”. Important: If selecting “Anywhere in the world”, your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with the “ Standing Travel Alert for High Risk and Sanctioned Countries ” when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? If your cruise is in inland Australia (e.g. on the Murray River) or in Australian coastal water (e.g. the Kimberley), enter or select “Australia”. If your cruise embarks and disembarks from Australia ports only without any stopover at a port outside of Australia (e.g. a “Sampler Cruise” or cruise from Sydney to Brisbane), enter or select “Domestic Cruise”. If your cruise is overseas (e.g. a European river cruise, a Caribbean cruise, or a cruise from Sydney to Hong Kong), enter or select the country or region you will spend the most time in during your trip.

Want to come to Australia on our Inbound Plan? Select “Australia Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on AEST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

Cruise Travel Insurance Benefits

Protect your cruise holiday from medical expenses and more

Whether you’re on a cruise to the Pacific Islands, sailing through the Caribbean, or exploring the seas of Australia’s tropical north, cruise travel insurance benefits can help protect your trip from costs if something goes wrong.

At Cover-More, our goal is to provide you with quality cruise insurance benefits to help keep you safe. If you’re going on a multi-night cruise on the sea or ocean, you must tell us about your cruise for Cruise Cover to be added to your policy and an extra premium will apply. (This cover is not required for river cruises within Australia or international destinations.)

Still deciding whether to take a cruise or not? Read our helpful guides on how to choose the best cruise for you , and essential travel advice for your cruise . (Plus, check out our useful holiday preparation list , too.)

If you have specific questions about our Cover-More cruise insurance benefits, read our Cruise Cover benefits FAQs .

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Why do I need cruise travel insurance benefits?

Will medicare cover me for a cruise in australia, what happens if i get sick on a cruise, does cover-more travel insurance include cruise insurance benefits, what are cover-more's cruise travel insurance benefits, how do i buy cover-more's cruise cover.

• Do Cover-More's cruise travel insurance benefits cover medical costs?

Do Cover-More's Cruise Cover benefits cover emergency evacuations?

Does cover-more travel insurance cover existing medical conditions on a cruise.

Cruises are a great way to relax , bask in the sun and enjoy the sea breeze while exploring new destinations. So, it may come as a shock if your cruise experience isn’t exactly smooth sailing.

From delayed luggage to falling seasick, it can be difficult to predict what will happen on board – let alone the money you may lose if you must cancel your cruise before you even leave home.

Cruise Cover benefits can provide cover for medical costs on board, help you if you need to be medically evacuated off the ship, and provide reimbursement for lost luggage and non-refundable expenses (up to the cancellation amount you have added to your policy).

To enjoy the cruise holiday you deserve, we recommend you consider travel insurance for cruising for extra peace of mind, and support when you need it most.

No. Cruise ships are not obligated to have doctors registered to practice in Australia on board. This means if you visit a doctor on board, it may not be covered by Medicare and you may end up with out-of-pocket expenses.

This is why you should consider travel insurance for any cruises you take in Australia.

At Cover-More, our International plans include overseas medical expenses cover when you enter/select “Domestic Cruising” as your travel area and when you tell us about your cruise when you purchase travel insurance.

Our Cover-More cruise insurance international plans can include cruise cover when you tell us you are travelling on a sea or ocean cruise for two or more nights.

Domestic and international cruise ships do offer onboard medical assistance, but the medical staff are only there to stabilise your condition.

If you require urgent medical attention while on a cruise, you may need to be evacuated from your cruise and taken to hospital – which can be extremely costly depending on where you are in the world.

That’s where cruise travel insurance benefits can help when cruise cover is added to your international plan.

With our Cover-More cruise insurance benefits included in your policy, we can not only assist with medical costs, but you’ll have our expert 24-hour Emergency Assistance team on hand to help if you are hospitalised.

Travel insurance benefits for cruising are automatically included in our Cover-More travel insurance plans when you tell us you are travelling for two or more nights on a sea or ocean cruise.

If you are taking a multi-night cruise (except for river cruises within Australia), you must answer “Yes” to the question “Will you be travelling on an ocean or sea cruise for two or more nights?” and pay the additional premium to be protected in the event something goes wrong on your cruise. (This cover is not required for river cruises within Australia or international destinations.)

To see full details of our cruise insurance benefits, read the PDS .

Our Cruise Cover provides travellers with many benefits to assist if an accident, mishap, or delay occurs on their cruise holiday.

Our Cruise Cover benefits and benefit limits per adult are as follows:

Please refer to the PDS for limits, sub-limits, exclusions, and conditions that may apply to our travel insurance benefits for cruising.

Ready to get a quote? You can generate one online now.

Ready to book your cruising holiday and purchase our Cruise Cover to protect it? You can buy a travel insurance policy with cruise benefits through our website or by calling us on 1300 72 88 22.

To get a cruise quote online:

• Enter the area of travel you want cover for in the quote box . For international trips with cruises, choose the country, region, or “Anywhere in the World”. For domestic trips with cruises, choose “Domestic Cruise” – not “Domestic” – and an international plan with overseas medical expenses will be available. Our Domestic plans exclude cover for any medical expenses in Australia. (See below for more details on choosing your destination.)
• Select the dates of your first trip.
• Enter in the ages of travellers.
• Click ‘Get Quote’ to go to the next page.
• Select the best plan for you from the options displayed on the screen, including whether you want a Single Trip policy or an Annual Multi-Trip policy if the option is available to you.
• You’ll then be asked if you are travelling for two or more nights on a sea or ocean cruise. By selecting “Yes”, an additional premium will be added to your policy, and the cruise benefits will be included when the Certificate of Insurance is issued.
• Continue down the page to fill in the rest of your details.
• Declare any of your existing medical conditions.
• Pay for your policy.

Additional helpful information on how to choose the correct destination when getting a quote:

• If you’re cruising within Australia on an inland waterway (e.g. a Murray River cruise) or within Australian coastal waters (e.g. a Kimberley cruise where the cruise does not leave these waters), please chose or enter “ Australia ” for a Domestic Plan.
• If you're cruising from a port in Australia to another port(s) in Australia that does not stop at a port outside of Australia (e.g. a cruise from Sydney to Brisbane or a Kimberley cruise that leaves Australian waters), please choose or enter “ Domestic Cruising ” for an International plan which includes SECTION 1: Overseas Medical and Dental (including emergency repatriation/evacuation).
• If you're cruising overseas, possibly stopping in many destinations (e.g. a European river cruise, a Caribbean cruise or a cruise from Hong Kong to Sydney) or from a port in Australia to another port or ports outside Australia (e.g. Sydney/ Singapore), please enter every country you will be travelling to or enter a region.

Before purchasing our cruise travel insurance, read the PDS to ensure a Cover-More policy is right for you.

Do Cover-More's cruise travel insurance benefits cover medical costs on board?

Yes, our Cruise Cover benefits can provide cover for medical expenses incurred on board the ship and if you are offloaded from the ship. Without this type of cruise insurance benefit, you could be out of pocket hundreds or thousands of dollars for a medical incident that happens whilst on a cruise.

One Cover-More customer visited their onboard cruise doctor after a sniffle that developed into influenza. Although quick, the doctor’s visit resulted in a $700 medical fee. Luckily, they had a Cover-More policy with Cruise Cover, and we were able to settle their claim.

To find out how much it costs to protect your cruise, get a Cover-More quote online now.

Note: our claims are subject to approval.

Our cruise insurance benefits are vital in helping protect you against more serious medical claims, especially those that result in your emergency evacuation from a cruise.

It doesn’t matter if you’re on a cruise off the shores of Australia or on an overseas cruise, if you’re in the middle of the sea or ocean, it can be incredibly expensive to be transported to the nearest hospital via air or sea.

In 2016, one of our customers fractured their leg on a cruise ship in the South Pacific. The air ambulance cost to bring them back to Australia for surgery totalled $86,000.

To protect your cruise with Cover-More, get a quote online or call 1300 72 88 22.

Not all existing medical conditions are automatically included in our plans, so you will need to go through the same medical assessment process we use for general travel.

If all of your conditions do not meet the existing medical condition criteria to be automatically included, you will need to complete an online medical assessment and if the cover is approved, pay the extra premium to us for cover. Ensure you disclose all your existing conditions to ensure you have the right cover.

You can visit our existing medical conditions (EMC) page to view a comprehensive list of conditions we cover.

Please note: if you are not approved for your existing medical conditions, we can still provide cover for lost luggage and travel documents, and any illness or injury not relating to your EMC.

Got more questions? Find your answers over on our dedicated FAQs for cruise travel insurance page .

Want us to protect your cruise holiday?

Find our Cruise Cover and get ready to set sail.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.    ^Cover chosen applies per policy.    If you do not tell us about your cruise, claims in any way related to your multi-night cruise, and multi-night cruise travel or that arise while on a multi-night cruise are specifically excluded by this policy.

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Home » Travel Insurance » Reviews » Best Travel Insurance For Australian Cruises

Best Travel Insurance for Australian Cruises

Written by Antonio Cala

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Table of Contents

Going on an Australian cruise is a captivating experience, offering travelers the chance to explore into the diverse landscapes and wildlife of this vast continent. However, this remarkable voyage also presents its own risks and challenges, from varying weather conditions to remote areas that may be far from standard medical facilities.

This highlights the importance of selecting appropriate travel insurance that meets the specific needs of those cruising to Australia.

When travelers investigate insurance options for an Australian cruise, they should look beyond standard travel insurance policies. Sufficient coverage should include high limits for emergency medical expenses and evacuation, as the cost of medical transport from remote Australian regions can be quite high.

Moreover, it’s important to consider policies that cover trip cancellations and interruptions, which are vital for safeguarding against significant financial losses that could occur due to unforeseen changes in travel plans, often influenced by the variable Australian climate.

Additionally, it’s crucial to examine the specifics of a policy, including coverage for adventure activities that are popular during Australian cruises, such as scuba diving in the Australia pristine coral reefs or outback explorations.

For a comprehensive exploration of insurance options designed specifically for adventure travelers, be sure to explore our master guide The Ultimate Guide to Adventure Travel Insurance .

Quick Recommendations

If you want some quick recommendations, here is our infographic to help you choose the best insurance for your next adventure cruise to Australia. 

Australian Cruise Insurance Overview

Understanding travel insurance for australia.

While some cruises to Australia may offer medical and evacuation insurance as part of the booking, it’s highly recommended that you secure additional travel insurance to protect both yourself and your investment.

For most cruises around Australia, it’s crucial to have a policy that provides extensive trip cancellation/interruption coverage, as these trips can be quite expensive.

If your cruise package lacks medical/evacuation insurance, it’s important to acquire a policy that includes it, especially considering the remote destinations you may visit, such as the Kimberley coast or the islands of the Great Barrier Reef.

In the following section, we will dive into the details of what a standard insurance policy for an Australian cruise typically covers and what it may exclude.

What Does It Cover?

An insurance for a cruise to Australia works like a traditional travel insurance policy, offering you protection for the following:

Medical Expenses

If you experience an injury or illness while exploring the diverse landscapes on your Australian cruise, having specialized insurance becomes incredibly important. Tailored to meet the particular needs of voyages to various Australian destinations, this insurance ensures coverage for emergency medical expenses that may occur in these remote areas, including potential evacuation and treatment costs.

Such insurance encompasses a wide range of medical situations, from minor illnesses to critical emergencies. Whether you require fast medical aid or extensive care, a thorough insurance policy provides the financial backing to handle unforeseen health issues that might arise in the beautiful yet isolated Australian settings during your trip.

Baggage Coverage

Should your personal effects, like your camera or other valuables, become damaged, stolen, or lost during your Australian cruise, securing appropriate insurance is essential. Insurance policies intended for such incidents typically provide personal property coverage.

The extent of coverage can vary significantly, with protection ranging from modest amounts to substantial sums. This enables you to file a claim to assist with the costs associated with repairing or replacing your important equipment, which is crucial for your journey across the varied and occasionally demanding environments of Australia.

Trip Cancellation or Interruption

If an injury makes you cancel your Australian cruise, having specialized insurance for such situations is very important. This type of insurance offers the possibility to seek compensation for the segments of your journey that were unavoidably missed due to unexpected developments.

Emergency Evacuation

Undoubtedly, the most crucial form of insurance for any cruise to isolated areas, such as a cruise to Australia, is emergency medical evacuation coverage. This coverage guarantees that should you face a medical crisis, you will be rapidly transferred to the nearest appropriate medical center for care, or if necessary, repatriated to your home country.

What Doesn't Cover?

Every insurance provider sets their own parameters regarding the scope of their coverage and the exclusions that apply. Common limitations for an Australian cruise might include:

Adventurous activities: Some insurers may exclude coverage for specific high-risk activities that are offered on the most adventurous and specialized Australian cruises, such as scuba diving, free diving or spearfishing. It’s important to check whether the pursuits you intend to engage in during your cruise are covered or if you need to secure additional or specialized insurance.

Natural disasters: Australia can be prone to natural events like cyclones, bushfires, or floods. Insurance policies may have specific clauses regarding coverage in the event of trip cancellations or interruptions due to such natural disasters.

Remote area evacuation: Given the vastness of Australia and the remote nature of some cruise destinations, like the Kimberley region, evacuation can be complex and expensive. Policies may have limits on the cost of evacuation from remote areas, which is something to consider when choosing insurance.

Wildlife encounters: Australia is known for its unique wildlife, which can pose risks to travelers. Insurance policies might have exclusions for injuries or incidents involving wildlife, so it’s wise to understand the extent of coverage for such encounters.

It’s always recommended to thoroughly read the policy details and understand what is and isn’t covered, so you can make an informed decision about whether additional coverage is necessary for your Australian cruise.

Best Travel Insurance for Australian Cruises in 2024

Our Pick For

Americans who need high medical coverage

Nationalities:  Only US citizens and residents are eligible.

Pre-existing conditions:  Pre-existing conditions can be covered for Trip Cancellations and Interruptions, as long as you purchase your plan within 14 days of your initial trip deposit, and are medically able to travel when you purchase your plan.

Seniors Over 65:  There is no maximum age limit.

Trip Duration:  All plans cover trips up to 180 days.

Groups:  Insurance policies for solo travelers, couples and families are available.

• Pros & Cons

Reasons To Buy

The prices are very competitive.

Plans are very customizable with plenty of extras available and the option of removing items you don’t need.

Pre-existing medical conditions accepted.

24/7 chat available with the Faye Mobile App

Reasons To Avoid

Only available to American residents.

Emergency Medical Expenses: Up to $250,000. If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs, hospitalization and physician costs.

Emergency Evacuation: Up to $500,000. Coverage of transportation in the case of illness or injury that is acute, severe or life threatening when adequate medical treatment is not available in the immediate area.

Trip Cancellation: Up to 100%. If you need to cancel your trip for covered reasons, including if you get sick, contract COVID-19, or a travel provider goes bankrupt. We can cover flights, hotel bookings, tickets & activities, and quarantine accommodation.

Trip Interruption: Up to 150%. When you must unexpectedly cut your trip short or extend it for covered reasons, including if you contract COVID-19.

Trip Delay: Up to $4,500. Up to $300/day, for delays of more than 6 hours. When you’re stranded in transit due to reasons outside of your control such as flight delay or theft of passport.

Lost or damaged Belongings: Up to $2,000. Reimbursement for lost, stolen, or damaged luggage, including clothing, personal items and professional equipment like a phone or laptop.

Cancel for Any Reason: Up to 75% of Trip Cost. The ability to nix your trip for reasons other than those covered in your plan’s trip cancellation coverage, including fear of contracting COVID-19, as long as you purchase this coverage within 14 days of your initial trip deposit and cancel at least 48 hours in advance of your scheduled departure date.

Pet Care: Up to $2,500 in veterinary expenses & 
$250 for kenneling. Coverage of veterinary expenses if you take your furry friend along (including pet sickness or injury), or kenneling costs if you arrive back home later than expected.

Adventure & Extreme Sports: Up to $250K (international trips) or $50K (domestic trips) for accidental & sickness expenses. Medical and transportation coverage if you become injured while participating in an adventure or extreme sport, like skydiving, bungee jumping, motocross or free diving.

Faye insurance  provides American residents one of the biggest medical coverages on the market at a very competitive price. 

If you live in the US and your Australian cruise doesn’t include medical/emergency insurance with your booking, then Faye is the best option for you. It provides the highest medical coverage available (up to $250k) and 100% of your trip in case of cancellations.

We recommend  Faye  for Americans who  want a complete travel protection for their adventure cruise to Australia, including high medical coverage ($250k medical & $500k evacuation), trip protection cancellation & interruption, and baggage coverage.

Americans who don't need high medical coverage

Nationalities:  All nationalities are covered, as long as they are US residents. 

Pre-existing conditions:  Yes.

Seniors Over 65:  Senior travel insurance package is offered to seniors over 65.

Trip Duration:  Travel Select and Travel Basic plans cover trips up to 364 days. Travel America plan covers trips up to 14 days. 

Groups:  Individual and family plans available. 

Destinations covered:  Covers worldwide, except Ukraine, Syria, Iran, North Korea, Libya, Belarus, and Russian Federation.

The price is competitive.

Pre–existing conditions accepted.

Covers worldwide, except Ukraine, Syria, Iran, North Korea, Libya, Belarus, and Russian Federation.

Only available to US residents.

They receive mixed reviews online.

Emergency Accident & Sickness Medical Expense: Up to $50,000. It comes with a dental coverage sublimit of $500

Emergency Evacuation: Up to $500,000. It comes with an escort coverage limit of $25,000.

Trip Cancellation: 100% of insured trip cost. It comes with a limit of $50,000.

Trip Interruption: 150% of insured trip cost. It comes with a limit of $75,000.

Trip Delay: Up to $2,000. The policy comes with a daily sublimit of $200 and a minimum delay of 5 hours

Baggage & Personal Effects: Up to $1,000. Items sublimits apply.

Additional Medical Coverage. Increase your medical expenses coverage by $50,000 and up your medical evacuation coverage by $500,000.

Adventure Sports. Get protection for participating in professional athletic events, ziplining, skydiving, mountain climbing, and traveling on any air-supported devices.

Cancel for Any Reason. Protect yourself against the unexpected – whatever it maybe – and cancel your trip for any reason up to 48 hours before your scheduled departure date.

The Travelex Select Plan is the best option for American residents going on a cruise in Australian waters that already provides medical/evacuation insurance included with the trip. 

It covers 100% of your trip in case of cancellation (up to $50,000).

Travelex is particularly appealing for the less adventurous Australian cruises , where medical coverage is often included, and the priority is safeguarding your trip investment against potential cancellations.

Non Americans + Expensive cruises

Travel Guard

Nationalities:  Only residents of the United States, Canada, Hong Kong, Iceland, Israel, Italy, Japan, Malaysia, Norway, Sweden, Singapore, South Africa, Thailand and UAE can purchase a Travel Guard insurance policy. 

Seniors Over 65:  Travelers aged 65-75 are covered.

Trip Duration:  All plans cover trips up to 364 days.

Groups:  One children aged 17 and under is included with an adult policy at no extra cost.

Highest medical  expenses and trip cancellation/interruption coverage combined under the same policy.

Pre-Existing Medical Condition Exclusion Waiver Available (must be purchased within 15 days of the Initial Trip Payment).

Not all nationalities are covered.

Must be less than 75 years old.

Travel Medical Expense/Dental Expense: Up to $100,000/$500. Travel Medical Expense pays for medical expenses incurred due to a Sickness or Injury that happens while on a Trip. A $500 sub-limit applies for dental expenses.

Emergency Evacuation and Repatriation of Remains: Up to $1,000,000. Covers evacuation expenses as directed by a Physician to the nearest adequate medical facility or home in the event of death or if medically required.

Trip Cancellation: Up to 100% Insured Trip Cost. Reimburses nonrefundable, Unused payments or deposits if you must cancel your Trip due to an illness, Injury, or death of you, a Family Member, Traveling Companion or Business Partner, or for other covered reasons. Maximum of $150,000.

Trip Interruption: Up to 150% Insured Trip Cost: Reimburses nonrefundable, Unused payments or deposits if you must interrupt your Trip due to an illness, Injury, or death of you, a Family Member, Traveling Companion or Business Partner, or for other covered reasons. Maximum of $225,000

Trip Interruption – Return Transportation Only: Up to $1,000. Reimburses the additional Transportation expenses incurred by you to reach the Return Destination if your Trip is interrupted by one of the Unforeseen events shown in the Policy Trip Interruption section.

Trip Delay: Up to $1,000. Reimburses up to $200 per day for Reasonable Additional Expenses until travel becomes possible if your Trip is delayed for more than 5 hours due to covered reasons.

Baggage Coverage: Up to $2,500. Reimburses you if your luggage is lost, damaged, or stolen while on your Trip. Coverage is primary.

Trip Saver: Up to $5,000. Reimburses up to $5,000 for meals, Hotels and additional Transportation if the Insured must begin their Trip sooner than the originally scheduled Departure Date due to Inclement Weather or Common Carrier changes.

Baggage Delay: Up to $500. Reimburses you for the purchase of necessary personal effects if your bags are delayed for more than 12 hours.

Missed Connection: Up to $1,000. Reimburses you if Inclement Weather or Common Carrier causes cancellation or a delay to your point of departure of regularly scheduled airline flights for three or more hours. Does not apply if you do not leave adequate time between connecting flights.

Security Evacuation: Up to $100,000. Coverage for security evacuation, Flight Guard® and Trip Cancellation or Trip Interruption due to a riot or civil disorder.

Cancel for Any Reason Bundle. Reimburses up to the Maximum Limit shown on the Schedule of Benefits if you cancel your Trip for any reason, not otherwise covered under the Policy, up to 48 hours prior to your scheduled departure.

Adventure Sports Bundle. Removes the exclusions for adventure and extreme activities from all benefits on the Policy.

Pet Bundle. Daily benefit for boarding, and a medical expense coverage for illness or Injury of dog or cat while traveling. Includes coverage for Trip Cancellation or Trip Interruption if your Pet is in critical condition or dies within seven days prior to the Departure Date.

Wedding Bundle. Trip Cancellation due to wedding cancellation. Coverage does not apply if you are the bride or groom in the wedding.

The Travel Guard Deluxe plan is the best option for an Australian cruise if you don’t live in the USA and want a high trip cancellation coverage (up to $150,000), a medical coverage up to $100,000 and emergency evacuation up to $1,000,000. 

Please note Travel Guard doesn’t receive the best reviews online.

Non Americans + Budget + Not very expensive cruises

World Nomads

Nationalities:  Most nationalities can purchase insurance from World Nomads, including residents of the United States, Canada, the United Kingdom, India, Australia, or New Zealand. However, as of the current writing, most European residents are unable to buy a World Nomads policy.

Pre-existing conditions:  Not covered.

Seniors Over 65:  Travelers aged 70 and over are not covered.

Trip Duration:  All plans cover trips up to 365 days.

Prices and coverage vary greatly by the country of residence.

Some European nationalities are not covered.

Pre-existing medical conditions not covered

Max age is 70 years old.

Emergency Accident & Sickness Medical Expense: Up to $100,000. Coverage is for medical expenses for emergency treatment of an accidental injury that occurs during the trip. Emergency treatment must be medically necessary and performed during the trip. Refer to the certificate / policy for complete details.

Emergency dental treatment: Up to $750. Coverage is for emergency dental treatment for accidental injury to sound, natural teeth. The injury and treatment must occur during the trip.

Emergency Evacuation: Up to $500,000. Coverage is for an accidental injury or sickness occurring during the trip that results in your necessary emergency evacuation. An emergency evacuation must be ordered by a physician who certifies that the severity of your accidental injury or sickness warrants your emergency evacuation. Refer to the certificate / policy for complete details.

Trip Cancellation: Up to $10,000. Reimburses for prepaid, non-refundable cancellation charges if you must cancel your trip (after the effective date) due to covered sickness, accidental injury, or death of you, a family member or traveling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike or other covered reasons. Refer to the certificate / policy for complete details.

Trip Interruption: Up to $10,000. Reimburses for prepaid, non-refundable, unused expenses if you must interrupt your trip (after departure) due to a covered sickness, accidental injury, or death of you, a family member or traveling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike, or other covered reasons. Refer to the certificate / policy for complete details.

Trip Delay: Up to $3,000. Coverage is for unused portion of pre-paid accommodation or additional expenses, on a one-time basis, if you are delayed en route to or from the trip for 6 or more hours due to a defined hazard as explained in the certificate / policy.

Baggage & Personal Effects: Up to $3,000. Reimbursement is for loss, theft or damage during the trip to baggage and personal effects (including sporting equipment) owned by you, provided you have taken all reasonable measures to protect, save and recover the property. Per article limit of $500.

Activities covered based on 4 groups. You pay more for higher group. The Explorer plan includes more activities than the Standard Plan. Extreme activities not covered (cave diving, free soloing, etc)

The  World Nomads Explorer Plan  is a great option for non-Americans if your Australian cruise cost is under $10,000. This Australian company offers good medical coverage ($100k), emergency evacuation ($500k) and some equipment coverage (up to $3,000) under the same policy.

We recommend World Nomads if you’re looking for an affordable travel insurance for a cruise to Australia that is less than $10,000.

Comparison Table

When selecting insurance for your Australian cruise, it’s crucial to determine if your cruise operator provides complimentary medical and/or evacuation insurance as part of your package.

For American residents whose Australian cruise includes medical/evacuation coverage, Travelex – Select is an excellent choice. This plan offers comprehensive protection, reimbursing 100% of your trip cost in the event of cancellation (up to $50,000).

If you are an American resident and your Australian cruise package lacks medical/evacuation insurance, consider Faye as a superior option. It delivers extensive medical coverage, includes pre-existing conditions, has no age restrictions, and also covers 100% of your trip cost if you need to cancel.

Non-US residents going on a more affordable Australian cruise (under $10,000) might find the Explorer Plan from World Nomads fitting. It provides significant medical coverage at an affordable rate.

Lastly, for non-US residents on higher-end Australian cruises (over $10,000), Travel Guard – Deluxe is a potential choice. This policy can cover up to $150,000 for trip cancellation or interruption. However, it’s important to be aware that the reviews for this provider may vary online.

Other Adventure Cruise Destinations

If you would like to read more about insurance options for adventure cruises from around the world, you can check out the other articles we’ve written below:

• Travel Insurance for Antarctica Cruises
• Travel Insurance for Alaska Cruises
• Travel insurance for South Pacific Cruises
• Travel Insurance for Australia Cruises
• Travel Insurance for New Zealand Cruises
• Travel Insurance for European River Cruises
• Travel Insurance for Viking River Cruises

Other Travel Insurance Reviews

If you would like to read more about insurance options for other type of adventure trips, you can check out our other reviews below:

• Skiing &  Snowboarding
• Hiking Trips
• Mountaineering & High Altitude Trekking
• Mountain Biking,   Bike-touring  &  Bike-packing
• Rock Climbing ,  Ice Climbing  &  Bouldering
• Kayaking ,  White Water Rafting  &  Paddle Boarding
• Fishing  &  Spearfishing
• Diving Liveaboards &  Freediving
• Sailing ,  Kite Surfing  &  Surfing
• Adventure Cruises
• Adventure Motorcycling
• Travel Insurance for Seniors Over 65
• Travel Insurance for People with Pre-existing Conditions

Australia Cruise Insurance Reviews Online

During your research, you might want to consider reviewing articles from different sources that offer insights into the top insurance companies for cruises to Australia.

Below are a few articles that caught my interest.

Why Kimberley is one of the world’s hottest places to cruise this year – Explore

5 Reasons to Cruise the Kimberley in Australia – adventuresmithexplorations.com

About the Author

Antonio was born and raised in Southern Spain, and quit his job in 2013 to travel the world full-time with his wife Amanda for 10 years straight. Their passion for adventure took them to visit 150+ countries.

They cycled 25,000km + from California to Patagonia, sailed over 10,000NM around the Caribbean & Sea of Cortez, rode their motorbikes 30,000 kms+ across West Africa (Spain to South Africa) and visited Antarctica, among many other adventure expeditions.  Today, they’re still traveling,  currently around the USA with an RV.

Traveling to so many places, remote destinations and by different means taught them a lot about travel insurance, which policies to hold depending on the area and the type of adventure they were doing. Antonio now publishes regular content to help other travelers choose the best travel insurance for adventure trips.

Together, they also run the travel community Summit , the RV site Hitched Up , the boutique accommodation blog  Unique Places  and the popular newsletter Adventure Fix , where they share their knowledge about the places they’ve visited and the ones still remaining on their list.

Antonio Cala

Co-Founder of Adventure Fix

Privacy Overview

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We believe everyone should be able to make decisions with confidence. And while our site doesn’t feature every company or travel service available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.

Cruise travel insurance

Medibank health members save 15%.

Going on a sea or ocean cruise, or including one as part of your trip? Medibank Travel Insurance offers cruise insurance to help protect you whilst you're cruising.

What is cruise travel Insurance?

For an additional premium, you can add Cruise Cover to your travel insurance policy to help protect your cruise adventure. Cruise Cover is a mandatory add on if any part of your trip includes travel on a multi-night sea or ocean cruise. Without purchasing additional Cruise Cover, no cover is available for any event arising from, or related to your cruise travel. 

Cruise Cover is not required if you are travelling on a single-night cruise, or on a river cruise (e.g. European river cruise, or a Murray River cruise). Likewise, if you are travelling on a cruise that is only within Australian coastal waters (e.g. Kimberly Cruise) then Cruise Cover is not required. If your Australian cruise is going from port-to-port then you'll need to select 'Domestic Cruise' as your destination, which is an International Plan, to provide cover for your journey.

Cruise travel insurance benefits - get cruising with Medibank

$unlimited ship to shore and onboard medical & dental cover.

If you suffer a sickness, disease or disabling injury whilst you're on a cruise ship overseas or outside Australian costal waters then you will have:

$Unlimited onboard medical and emergency dental cover, including cover for onboard medical treatment should you suffer from sea sickness whilst travelling. 1

Cover also includes $unlimited costs for emergency transportation if onshore care is required. 2

Missed port cover

Should you miss the scheduled departure of your pre-booked cruise or a pre-booked connection to your cruise due to unforeseen circumstances outside of your control, we will cover you for reasonable costs (up to $1,000) to use alternative public transport services to catch up to your planned itinerary. 3  Excludes COVID-19.

Cabin confinement

Cover for up to $100 per day to a maximum of $1,500 should you be confined to your cabin for at least 24 hours due to sickness, disease or disabling injury. 3  Excludes COVID-19.

Missed shore excursions

Even when you're all set, trips to shore can unfortunately be missed. Should you miss a pre-booked shore excursion due to unforeseeable circumstances we could reimburse the non-refundable cost of the unused ticket(s) up to $1,000. 3  Excludes COVID-19.

Building your cruise insurance quote

Step 1: Select your area

Where you travel will influence your premium. You will need to choose the main destination/country based on where you will spend the most time travelling. Don't forget to take into consideration the 20% rule for the Africas and Americas detailed  here . 

If you are travelling on a multi-night cruise which leaves from one Australian Port to another, then you can enter 'Domestic Cruise' as the destination.

Step 2: Click on insurance type

Depending on your needs, you can select Single Trip or  Annual Multi-Trip cover. 

Step 3: Select additional cover

For an additional premium, you can choose to add cover for additional scenarios, like snow sports or moped riding . If you're travelling with valuables, you can also opt to increase your item limit(s) for luggage and personal effects. Read the  PDS  for more information.

When don't I need to add Cruise Cover?

You don’t need to add sea or ocean cruise cover, if you are:

• Travelling on a river cruise
• Not travelling on a cruise during your trip
• On a cruise for only one night
• Only taking a ferry trip
• Are cruising in Australia or in Australian coastal waters (this can include Kimberley Cruise or Murray River cruises.)
• Are sailing (sailing is not covered in International Waters).  

Cruise insurance FAQs

If i need to be evacuated, will medibank travel insurance with cruise benefits cover me.

If you are travelling on a multi-night (2 or more nights) cruise overseas or outside Australian Coastal Waters, you'll need to add and pay for the additional Cruise Cover to be insured for claims related to your cruise travel. 

If during your trip you suffer a disabling injury, sickness or disease (which first presents during the Period of Insurance), we will pay the usual and customary cost of emergency transportation provided outside of Australia by, or on the advice of, a qualified medical practitioner to evacuate you to the nearest onshore medical facility (unlimited on our  international travel insurance  policies with Cruise Cover).

Limits, sub-limits, exclusions and conditions apply. See the Combined PDS/FSG  for more information.

My cruise stops at multiple destinations, what Medibank Travel Insurance Policy should I buy?

You can purchase an International Comprehensive or International Medical Only Policy, and then add Cruise Cover to your selected policy. If travelling overseas or from a port in Australia to another port or ports outside Australia – please choose or enter the main area or destination/country based on where you will spend the most time on your trip. If the cruise travels between Australian ports, but travels outside of Australia Coastal Waters, you will need to select Domestic Cruising as a destination.

You can compare Medibank Travel Insurance policies on our  compare page .

If I miss the boat or lose luggage while on the cruise, does Medibank cruise insurance benefits cover me?

If you are travelling on a multi-night (2 or more nights) cruise overseas or outside Australian Coastal Waters, you'd need to add and pay for the additional Cruise Cover to be insured for claims related to your cruise travel. 

Missed port cover:  Should you miss the scheduled departure of your pre-booked cruise or a pre-booked connection to your cruise due to unforeseen circumstances outside of your control, we will cover you for reasonable costs (up to $1,000) to use alternative public transport services to catch up to your planned itinerary. 3  Excludes COVID-19.

Luggage and personal effects cover:  If you purchased an International Comprehensive Plan and added Cruise Cover to your policy, you will have luggage cover up to the limits specified in the  PDS  for any lost damaged or stolen luggage whilst cruising.

Unfortunately if you purchased an International Medical Only plan, no cover is available for lost, damaged or stolen luggage whilst you're on your trip.

Item limits and sub-limits apply. See the  Combined FSG/PDS  for terms, conditions and more information.

I'm travelling between Australian ports, is that a domestic cruise?

If you are travelling from a port in Australia to another port in Australia without any stopover at a port outside of Australia, (e.g. a cruise from Sydney to Brisbane) you should select 'Domestic cruising' as your destination. These cruises will go outside of Australian coastal waters so an 'International Plan' with Cruise Cover is required to be insured for claims related to your domestic cruise.  If you are only cruising within Australian coastal waters, (e.g. a Kimberley cruise) you do not need to add Cruise Cover to your  domestic travel insurance . If you are cruising overseas, (e.g. a Caribbean cruise) please choose the main area of destination country based on where you will spend most of your trip.

If you are unsure of which category your cruise might come under, contact Medibank Travel Insurance by  calling 13 41 90 .

Can I buy Medibank cruise insurance benefits when I'm already on the cruise?

Yes, you can purchase a travel insurance policy after your trip commenced, however you will be subjected to a 3-day no cover period. Cruise Cover must be purchased at the time of purchasing the travel insurance policy and cannot be added retrospectively.

Am I covered for COVID-19 related claims on an international cruise?

If you are diagnosed with COVID-19 on board a multi-night sea or ocean cruise, cover applies to: 

• On-board medical. 1
• Dental cover ship to shore medical cover. 2

Available on International Comprehensive and International Medical plans only if Cruise Cover has been added.

Does Medicare cover me on a cruise in Australian waters?

If you're on a cruise in Australian Waters, Medicare may not pay towards your medical cost on the cruise ship because the cruise ship may not have doctors onboard who are registered to practice in Australia. Check before your trip and consider getting travel insurance with Cruise Cover.

Emergency assistance whilst travelling

Every Medibank Travel Insurance policy comes with 24 hour emergency assistance. 

Our team of experienced doctors, nurses, travel consultants and case managers are ready to help you 24 hours a day, 365 days a year. We can help if you need support finding appropriate medical treatment, if you need to organise medical evacuation, or if you require assistance replacing lost travel documents and credit cards. 

Learn more about our 24/7 emergency assistance .

Things you should know

1  Available on the International Comprehensive and Medical Only Plans. Cover applies for a maximum of 12 months from the date of onset of injury or illness.

2  We will pay the usual and customary cost of emergency transportation provided outside Australia by or on the advice of a qualified medical practitioner to evacuate you to the nearest onshore medical facility.

3  Limits and exclusions apply. Available on the International Comprehensive and Medical Only Plans.

Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the  Combined FSG/PDS  to decide if this product is right for you. For information on the Target Market and  Target Market Determinations , visit  medibank.com.au/travel-insurance/help/

Request a call back

Leave your details and a Medibank expert will be in touch to take you through your options. In providing your telephone number, you consent to Medibank contacting you about health insurance.

We'll have someone call you soon to help with any questions you have.

COVID-19 Health Assist - Expression of interest

Complete this form to express your interest in one of our programs. If you're eligible, a member of our team will call you within 2-3 business days.

What program are you interested in?

Sorry, only members with current Hospital cover are eligible to participate in these programs

Eligible Medibank members with Extras cover are able to access a range of telehealth services included on their cover - you can find out more here . Alternatively, if you would like to talk to one of our team about your cover, we're here on 132 331 .

Your membership details

Please provide your details so we can know how to contact you.

Your contact details

By clicking Submit, I understand that Medibank or its subsidiaries may contact me to discuss my eligibility for the Covid-19 Heath Assist program(s), and will disclose my personal information within the Medibank Group of companies and to third party service providers. Please see Medibank’s privacy policy for further information about how Medibank will handle my personal information, and how to contact Medibank: https://www.medibank.com.au/privacy/

Thank you for expressing your interest in one of our COVID-19 Health Assist programs.

If you are eligible, one of our health professionals will call you in 2-3 business days to discuss your situation and help to enrol you in the relevant program.

There is no cost to participate, however some referred services may incur an out of pocket cost.

• 1300 409 322 Australian Based Call Centre

Travel Insurance For Australian & International Cruise

Pack smart with cruise travel insurance.

Cruise travel insurance can provide you with cover in case of emergencies on-board the cruise ship as well as for onshore excursions.  

Whether you’re taking a cruise from Australia to the USA or the other way round, planning to enjoy a trip around Asia, or simply taking a domestic cruise, accidents and other unforeseen events like losing your luggage can happen. And that’s why many people consider travel insurance for cruises. Travel insurance that includes a cruise policy option means you can have a range of benefits available should you incur unexpected medical, hospital, evacuation and repatriation expenses whilst on the water.  

All of our cruise policies include unlimited access to an experienced Emergency Assistance team available 24 hours a day, 7 days a week and 365 days a year. If you run into trouble or need advice while on your cruise holiday, help is just a phone call away from anywhere in the world.  

And if you have an existing medical condition , we may be able to help - our travel insurance poli cies can provide cover for many existing medical conditions. Check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply*.

What types of cruises can be covered?

Fast Cover can provide cover for:  

• International cruises: both large (more than 200 passengers) and small ship cruising (less than 200 passengers).  
• Australian cruises in the sea or ocean: large ship cruises that take you out into the sea or ocean from a couple of days to several weeks or even months.  
• Australian cruises along the Australian coastline: small ship cruises that take you along the Australian coastline and can explore rivers and estuaries.

How do I know if I need to take out a cruise policy?

You must take out a cruise policy if you are travelling on a cruise ship and you are cruising in:  

• Australian waters, the New Zealand or the South Pacific Region for 1 night or more.   

For example: cruising to NZ and back, South Pacific Island cruise, overnight cruise from Melbourne to Hobart or Kimberley cruises.  

• Asia, Europe or Worldwide Regions for 4 nights or more.   

For example: cruising in the Greek islands, sail Croatia cruises, multi-night Halong Bay cruises or cruises around the world on the Queen Mary.  

We consider a ‘cruise ship’ to be a commercially operated ocean-going vessel that is licensed to carry paying passengers, has on-board accommodation and a trained medical practitioner or staff trained and accredited in advanced first aid (or the equivalent level in the country that you are travelling in).  

What cruises are automatically covered?  

You do not need to purchase a cruise policy if you are:  

• T aking a river cruise along a river such as the Danube or Seine  
• On a short day cruise on a bay, such as Halong Bay in Vietnam  
• Island hopping on a small boat that is not a cruise ship  
• Cruising for only a few hours and you are not sleeping on the boat  
• Taking a short one hour ferry ride to an island  
• On a houseboat on the river  

Am I covered for the time I spend on land during my cruise trip?

If you’re combining a land tour or side trip with your cruise, our specialist cruise travel insurance can provide cover for that part of your trip too! For example, if you go on a cruise trip, take an onshore excursion and then a 3 day train journey, we can provide you with cover for both the land and sea portions of your trip on the one cruise travel insurance policy.  

And if you’re taking multiple cruise holidays, you may have the option of purchasing a Frequent Traveller Saver travel insurance policy. This policy automatically includes cover for cruises, and you can go on as many cruise trips as you like within a 12 month period and for the duration that you choose (based on the options available under the policy) when you purchase your policy.

Will Medicare cover me for a cruise in Australia?

For cruise ships with an on-board doctor:  .

Many Australian travellers mistakenly believe that they’re automatically covered by Medicare if they’re cruising in Australian waters.  

However, Medicare card benefits may not apply on your cruise even if in domestic Australian waters unless there’s a Medicare registered doctor on-board the cruise ship, which is unlikely, as the large cruise lines aren’t usually owned by an Australian comp any .  

So , if a sickness or injury occurs on the cruise ship and requires medical attention, many people are surprised to find they could be charged at private rates. That’s why when taking a cruise which has a doctor on-board, you’ll find that many travellers arrange cruise travel insurance so that cover is available for their on-board medical expenses, the cost of emergency medical evacuation from the cruise ship by helicopter to the mainland and when overseas, their medical expenses.  

For cruises without an on-board doctor:  

Cruises along the Australian coast give you the advantage over an overseas cruise , as you'll be able to access Australian medical facilities. I f you’re seriously sick or injured in a remote location and medical treatment is not available on - board the cruise , cover is available under a cruise policy for you to be evacuated to a spot where an ambulance or Royal Flying Doctor Service can pick you up , and take you to an Australian hospital to be treated by Australian doctors. In circumstances such as these you may be able to use your Medicare card and your private health insurance to cover the medical expenses from the time you’re transferred to the ambulance or Royal Flying Doctor Service. 

Do I need Australian cruise travel insurance for cruises along Australian coastal waters?

Even if you’re simply taking cruises around the Australian coast, it’s a good idea to have cover just in case something unexpected happens: you may have to cancel your Australian cruise before you’re even able to leave your home due to an unexpected sickness or injury , not be able to continue your domestic cruise trip because you’ve injured yourself while embarking or disembarking , or accidentally drop and damage your phone while taking photos of the stunning view.  

Another reason to consider buying domestic cruise travel insurance - even if it’s just along the Australian coastline - is that you may be injured whilst visiting a remote location and need to be evacuated to where the Royal Flying Doctor Service (RFDS) or ambulance is able to pick you up to take you to a medical facility for treatment.  

Buying Australian domestic cruise insurance can reimburse you for your unexpected expenses or provide you with evacuation cover.

Cruise travel Insurance Benefits f or Domestic and International Cruises

Cruise travel insurance policy benefits.

The benefits available to you for your cruise trip will depend on the type of cruise policy that you purchase and can include:  

Overseas emergency medical and hospital expenses

If you’re unexpectedly sick or injured on your overseas cruise, or on-board your Australian cruise, cover is available for the medical expenses that you incur to see the on-board doctor.  

Medical Evacuation and repatriation expenses

In case of an emergency such as sickness or injury, you may be covered for the flight home or to get to the nearest hospital .

Trip Cancellation Expenses

The Cancellation benefit can reimburse you for the payments or deposits you’ve already made towards your trip, not just for the cruise itself, but also any domestic flights, accommodation, and excursions.  

This benefit provides you with cover before you leave for your cruise, and also during your cruise , if you have to cut your trip short due to a sickness or injury , or other circumstances that are covered under the policy .

Disruptions to your trip

If your cruise is disrupted because you, your travelling companion or a family member back home is seriously sick or injured or a natural disaster prevents your cruise from continuing its planned itinerary , you can claim for the additional transport and accommodation expenses that you incur.

Luggage and personal belongings

Cameras, hearing aids, phones and the other personal belongings that you bring with you on your domestic cruise can be covered under the luggage and personal belongings benefit .  

Travel delay expenses

Cover for additional food and accommodation expenses that you may incur if your scheduled transport is delayed for more than 6 hours.  

Special event transport expenses

Your booked transport to get to your cruise trip is delayed or cancelled? You may have cover to get to your cruise on time.

24-hour emergency assistance

Practical help when you need it most. Experienced medical advisors are just a phone call away, with 24-hour Emergency Assistance included in all our cruise travel insurance policies.

Optional Extras

We’ve built policies that include the benefits you may need on your cruise trip. However, we also know that every cruise holiday is different, so that’s why we offer optional add-ons that allow you to customise your travel insurance policy to suit the type of cruise trip that you’re taking.

Adventure Pack

For those wanting to turn their onshore cruising activities into adventures ranging from a bseiling and f lying f ox / z ip l ining to q uad b iking and w ater s kiing.

Specified High Value Items

If you’re bringing valuable items with you, you can declare and protect those items, and we won’t apply depreciation to it.

Rental Vehicle Insurance Excess

Make the most of onshore adventure time by hiring a car - and if you add this benefit to your policy, you can have cover for the rental vehicle insurance excess in your rental vehicle insurance with your car hire company. Rental vehicle insurance excess is not available under the Basics policy and is automatically included up to $5000 under a Domestic Plus policy.  

Motorcycle Pack

If you ’ re intending to ride or be a passenger on a motorcycle, moped or scooter, consider taking out the Motorcycle Pack (not available on the Domestic Plus policy) just in case you’re injured in an accident while you’re experiencing the cobbled laneways of Europe or the open roads of the USA a little differently with the help of a Vespa or Harley.

Make sure you consider the PDS for details on policy eligibility, terms, conditions, exclusions and limits that apply.  

Who Can Get Insurance Cover For Cruises ?

Whatever type of traveller you are, our travel insurance policies can provide you with a simple way to help protect yourself and your hard-earned money, both before you leave home and during your cruise trip.

Your cruise isn’ t smoo th sailing?  

Cruise cover for domestic coastal cruising can provide cover for you to be evacuated to a location where Australian emergency services can pick you up and transfer you to a hospital or medical facility for treatment.  

For overseas cruises or domestic cruises with a doctor on board the cruise ship, cover is available under the cruise policy for medical expenses incurred whilst on board the cruise ship or evacuation from the cruise ship i f you ’ re seriously injured or sick.  

Note that there is no cover for medical expenses or medical transportation provided on land in Australia.

Gathering as a group of family and friends on an international or domestic cruise is truly a once in a lifetime adventure. Your whole group can take out Fast Cover travel insurance, which means you’ll only have to remember one emergency assistance number should unexpected situations or emergencies arise.

Available to parents and their dependent children, or grandparents travelling with their grandchildren, the whole family can have cover whether you’re cruising in international waters or exploring the coastline of Australia.

Single travellers

Travelling alone? Just in case something goes wrong on your solo trip , the emergency assistance team can be contacted 24/7.

Whether using European waters as the perfect backdrop for a proposal or boarding a sampler cruise on Australian waters for a break from reality, every cruise should be special. However, unexpected events can happen - cruise travel insurance can provide cover just in case the unexpected happens, including:  

• Theft of your camera , provided you have complied with the terms and conditions of the policy, such as taking reasonable care to protect your camera and belongings at all times , including but not limited to, not l eaving them unsupervised or in a publi c place .  
• One (or both) o f you fall ill and need medical care .    
• If you’re on a domestic coastal cruise, cover is provided for you to be evacuated to a location where the ambulance or Royal Flying Doctor service can pick you up to transfer you to a medical facility for treatment .   
• On an international cruise , or domestic cruise with a doctor or medical facilities on board , cover is available for the medical expenses you incur whilst on board the cruise ship, or to be evacuated off the cruise ship for transfer to a hospital on land.    

Note that there is no cover for medical expenses or medical transportation provided on land in Aust ralia.

Make sure you consider the PDS for details on policy eligibility, terms, conditions, exclusions and limits that apply

What isn’t included in domestic cruise travel insurance?

If you ’ re taking a domestic Australian cruise, some of the things we are not able to cover include (but are not limited) to the following:  

Medical Cover  

Where you can use your Medicare Card or private health insurance to cover your medical expenses or hospitalisation, there’s no medical cover for domestic cruises (including for out -o f - pocket expenses).  

Delay of luggage and personal effects - final return leg of trip home  

If your luggage is delayed, misdirected or misplaced by your airline or cruise operator on the final return leg of your trip home from your cruise, you should contact your airline or the cruise line as soon as you can.  

Make sure you consider the PDS for details on other terms, conditions, exclusions and limits that apply.  

Cruise destinations that can be covered

1. Australia domestic  

Cruising around Australia offers a wealth of unique experiences and attractions that make it a compelling destination… even for ‘ locals’ !    

2. New Zealand  

So close and so amazing! Cruising to New Zealand’s north and south islands offers a plethora of unique experiences and breathtaking scenery that are difficult to find elsewhere.   

 3.  Asia  

  Embrace the rich culture, natural wonders and shopping metropolises of destinations like Singapore and Malaysia, Thailand and Vietnam, Indonesia and Bali, Japan and the Philippines and even Cambodia.   

 4.  Europe and the mediterranean  

From historic landmarks and world class beaches to unique dining experiences and cultural attractions, cruising around Europe and the Mediterranean is a once in a lifetime adventure. Think Amsterdam and Budapest, the French Riviera, the Greek Islands, and the Italian Coast.  

5. Middle East and Africa  

Perfect for adventure seekers and history buffs, Middle East cruising is all about exploring a different world. A world in which desert safaris are there to be wandered through and seemingly commonplace experiences like markets that need to be seen to be believed.   

 6.  South Pacific  

Complete with otherworldly natural landscapes and waters showcasing the deepest and clearest of blues, the pace of South Pacific cruising can be as relaxing or as fast paced as you’d like.    

Note: We are unable to offer travel insurance for cruising to every overseas country. To check which countries may be covered, enter your destination country in the quote.

Things you should know about Fast Cover Cruise Insurance Policy

• Just cruising in Australian waters? A cruise travel insurance policy can cover you for a range of unexpected on-board medical expenses.  
• Travel insurance policies for cruising can provide cover whether you’re on-board the cruise ship or while you’re travelling on land.  
• Evacuation or repatriation cover in medical emergencies is a benefit feature for both domestic and international cruises.  
• Depending on the policy that you choose for your cruise, y ou can be covered for unexpected cancellations to protect the deposits you’ve already paid for your trip .   
• Medical screening is available if you wish to apply for cover for your existing medical condition (s) .  
• A huge list of leisure and sport activities can be covered, including snorkelling, fishing, body boarding and helicopter rides.

Before you go... Read These Essentials

1. Safety Travel Advice  

International and domestic cruising is a great adventure. While it can be easy to get lost in the pace of life on a cruise ship, it’s important to keep safety at the fore. Something as simple as a slippery deck or a bad meal at the buffet can put a serious dent in your plans. Read on for the best cruise safety tips .  

2. How To Find Your Perfect Cruise  

With a seemingly never-ending list of cruising options, finding the best cruise can feel a little overwhelming. To choose the right adventure, refine your search by thinking about your list of must-see destinations and how long you would like to be away for. For more tricks to picking the best cruise, read our guide .    

Please note: any advice is general advice only and has not taken into account your individual objectives , financial situation or needs. Consider the PDS and TMD prior to deciding whether this policy is right for you.

Australian Cruise Travel Insurance FAQs

Do i need travel insurance for a domestic cruise in australian waters.

Even though your cruise may never leave Australian waters, or even the coastline, a cruise travel insurance policy may prove invaluable if something does go wrong on your cruise. This can include cover for emergency medical evacuation if you are seriously sick or injured on your cruise, cancellation expenses if you are not able to go on your cruise due to an unexpected situation, and stolen luggage.

For Australian cruises with a medical practitioner and medical facility onboard Unless there's a Medicare registered doctor on-board the cruise ship, you won't be able to use your Medicare card if you have to see the doctor. As most cruise ships are owned by American companies, it's unlikely you'll be able to use your Medicare card, which means you'll be charged for the service. While cruise ships have on-board medical facilities, they may not be equipped to deal with serious medical situations, and in an emergency, you may need to be evacuated off the ship and back onto land, so that you can be transported to a hospital for treatment. However, please note that there is no cover for medical costs in Australia, including air ambulance (plane or helicopter), the Royal Flying Doctor Service or road ambulance as the cruise is a domestic cruise. For Australian cruises with only staff trained and accredited in advanced first aid If you require medical evacuation and you are in a remote location (as is sometimes the case on cruises to the Kimberley region), there is cover under our domestic cruise policies for any necessary private transport (such as a tourist helicopter) to transfer you to medical transport. However, please note that there is no cover for medical costs in Australia, including air ambulance (plane or helicopter), the Royal Flying Doctor Service or road ambulance as the cruise is a domestic cruise. Note: If you require medical evacuation, you MUST contact our Emergency Assistance Team on 02 8320 7999 to organise this, or the AMSA (Australian Maritime Safety Authority) on 1800 641 792 / +61 2 6230 6811 to arrange the evacuation. A helicopter or seaplane company should NOT be contacted directly prior to speaking to Fast Cover Emergency Assistance or AMSA. Failure to do so may result in your claim being unpaid. What region do I choose if I am doing a cruise in Australian waters? If you will be cruising in Australian waters or coastline, choose ‘Australia’ or ‘Australia (domestic)’ and select 'Yes' when asked if you are going on a cruise. What can I be covered for on my Australia cruise? The level of cover that you have depends on the type of cruise ship you are going on, and the policy you have chosen for your trip, and can include cover for: Cancellation expenses due to unexpected and unforeseen cancellations. Onboard medical expenses (for Australian cruises with a medical practitioner and medical facility onboard) Transfer to medical transport to convey you to a hospital. Lost, stolen or accidentally damaged luggage. Travel Delay Expenses Special Event Transport Expenses Theft of cash from your person while you are on the boat itself. There is no cover for cash not on your person at the time they were stolen and not locked secured in a safe. Can I get a medical only policy for my domestic cruise? Depending on the type of domestic cruise you are going on, you may be able to purchase our Basics travel insurance policy which provides you with medical, evacuation and repatriation cover. However, if your cruise trip involves you paying a large deposit a few months in advance of your cruise trip, flights, on-shore excursions or a land tour, you may consider looking into our other policies, which can provide you with additional benefits including cover in case you need to unexpectedly cancel your trip due to illness, your luggage being stolen, or your flights being delayed due to severe weather. If you have a medical condition, check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply*. What type of Australian cruises can be covered? Kimberley cruises Cruises along the Australian coastline Around Australia cruises Sydney to Hobart and many more... Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS) . Please note: any advice is general advice only and has not taken into account your individual objectives, financial situation or needs. Consider the PDS prior to deciding whether this policy is right for you. Read more about cruising holidays: Australian cruise travel insurance Cruise health and safety guide Cruise travel insurance guide What should my travel insurance policy for a cruise include?

The benefits that are frequently looked for in cruise travel insurance include cover for:

• Cancellation costs if you have to unexpectedly cancel your trip due to reasons including sickness or injury,
• Evacuation and repatriation if you are seriously sick or injured on your cruise,
• Disruptions to your trip including natural disasters and severe weather, and
• Lost or damaged luggage.

You should also consider the type of trip you're taking, and your particular situation, including: 

• If you're pregnant and considering going on a babymoon cruise, you should check our Pregnancy Travel Insurance Guide to see if you can be covered for the stage of pregnancy you're in.
• If you're intending to do adventure activities such as snorkelling, diving, fishing or helicopter flights, you should check to see if the activity is covered or if you need to add the Adventure Pack to your policy for the activity to be covered.

Please note: any advice is general advice only and has not taken into account your individual objectives, financial situation or needs.

Consider the PDS and TMD at Fastcover.com.au prior to deciding whether this policy is right for you, as policy terms, conditions, exclusions and limits apply.

How much is travel insurance for cruises?

The cost of a cruise travel insurance policy depends on the type of cruise trip that you will be taking amongst other factors.

There are many considerations in the cost of travel insurance for cruising, including but not limited to:

• The number of travellers
• The ages of the travellers
• Where the cruise is going to
• The duration of the whole trip
• The other types of activities that you may be planning to do: riding a motorcycle, moped or scooter, adventure sports, whether you'll be hiring a rental vehicle or bringing your bike with you.
• If you would like to reduce your Standard excess or increase the cover for your valuable items.
• The type of policy you choose for your trip.

To find out how much it would cost for a travel insurance policy for your cruise holiday, get a quote and see the options available to you.

What is cruise cover?

Cruise cover extends the benefits of our normal policies which provide cover for air and land trips, to include cover while you are on a cruise ship. This means that a cruise travel insurance policy can provide cover for the land, sea and air portions of your trip.

^ Price as at 20/03/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

† Fast Cover has a referral arrangement with this company.

The entity that referred you does not act for Fast Cover and may receive remuneration from us. You can ask them or us for more details. Make sure any information listed in any quote provided remains accurate and if not, please change it on our website or you can contact us .

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Travel Insurance for Australian Cruises

Q: If I’m only going on a cruise around Australia, I won’t need travel insurance right?

A lot can happen when you’re on cruise, especially if you don’t have your sea legs! That’s why it’s such a smart idea to protect yourself and your family with a travel insurance policy while on your cruise. 

Some people don’t believe they need cover for Australian cruises, but this is not necessarily correct. As many Australian cruises cross into international waters, it’s actually an international travel insurance policy that you require. Domestic policies do not cover any medical or hospital expenses. Here’s why it’s better to have RAC Travel Insurance cover.

• Many cruise lines require passengers to have travel insurance and will deny boarding if it’s mandatory. Best to check with your cruise line prior to departure. 
• Your personal items and luggage are protected. You could accidentally drop your wallet into the Pacific Ocean, or your luggage is stolen or damaged on board. 
• You could you could fall ill before you even set sail and miss the trip altogether. Cancellation is a section of cover under certain travel insurance policies
• Get covered for a range of activities: there are cruise ships out there these days that offer skydiving, wave riding and ice-skating onboard. Plus off-ship shore excursions can include jet skiing, snorkeling and more. Make sure you’re covered for these activities. 
• Reimbursements for shore excursions: If it is necessary for your cruise to be cancelled or cut short due to your sudden injury or illness, you will be covered for the cost of excursions, tours and activities which you have pre-paid for and which you cannot recover from any sources.
• Cover for cruise delays: We will reimburse the cost of your necessary additional meals and accommodation expenses, if during a trip your departure by sea vessel is delayed due to reasons outside of your control, including poor weather conditions. 

The cost of seeing a doctor onboard can be a costly exercise. Travel insurance covers medical treatment on cruise ships even if that ship is within Australian territorial waters. In the worst case scenario that you need serious medical attention, you may need an emergency evacuation to be airlifted off of the ship to the nearest hospital. You can only imagine how expensive this would be, but is also covered by most travel insurance policies.  What about Medicare?  According to the Department of Foreign Affairs and Trade (DFAT), Medicare benefits are only available if you're travelling between two Australian ports, and services are provided by a Medicare-eligible doctor. The cruise operator may not bring an eligible doctor on board. This means Medicare benefits are not available for journeys between an Australian port and a foreign port, or between two foreign ports.

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Cover for your next great experience

Australians overseas.

Our insurance is appropriate if you’re an Australian resident overseas and intending to return to Australia on the date your policy ends. There is however, no cover in place for the first 48 hours from the policy start date.

Backpacker Travel Insurance

Never mind your age, whether away for a week or a year, we’ve got product options for you. We’ll even provide cover for your non-manual, non-hazardous work and over 130 different sports or activities. So pack your bags and get ready for the trip of a lifetime!

Cruise Holidays

Going on a cruise? Rest easy knowing your overseas medical costs will be taken care of. We can even cover missed excursions due to illness and our emergency assistance company is on hand to evacuate you to shore in an emergency and if possible. 

Families & Groups

Time to finally take that long awaited holiday? Whether travelling as a family, a school excursion or simply a group of friends, choose from a range of affordable travel insurance products for you and your travelling companions.

Frequent Travellers

Regular jet setter? With Travel Insuranz Annual Multi Trip policies you can save money by travelling unlimited times a year on one single policy. What’s more, we even include 23 days of free snow sports cover.

Snow Sports

Don't let an injury dampen your trip! Whether you are snowboarding or simply skiing, make sure you hit the slopes with great travel insurance in place. Simply tell us when you plan to ski and get covered straight away.

Student Travel Insurance

Whether on an exchange program, volunteering or taking a gap year, Travel Insuranz has a range of budget travel insurance options to protect your adventure. We can even cover students under 18 and travelling alone.

Things we cover

Epidemics & pandemics.

Take a look at other travel insurance providers and you’ll see that most exclude medical claims from an epidemic or pandemic. So for example, if you travelled on a plane and sat next to someone with COVID-19, and as a result were taken ill while overseas – you would not be covered. But with Travel Insuranz, you would be covered for your overseas medical costs. Please note that cover is applicable to overseas medical expenses only.

Travel delays

Delays at airports are becoming more and more frequent. Caused by various unavoidable factors including weather, air traffic control, security, cancellations, diversions and late arrivals, delays are frustrating but are also a part of life when travelling. Our travel insurance provides compensation if you are delayed for more than 12 hours.

Overseas medical expenses

This is one of the most important parts of all the best travel insurance policies, so you should ensure that the cover provided will adequately protect you when you need it most. Travel Insuranz not only covers your surgical and hospital costs if you are taken ill or injured but, if it is serious, will also arrange for a friend or family member to be flown over to be with you while you recover.

Missed connections

Are you flying in Australia to catch your international flight? What if your first plane is late and you miss the BIG one?  Our Missed Departure/Connection section pays the extra flight and hotel costs to get you to your destination so you won’t be sitting at the airport wondering what to do next.

Covers evacuations

Sometimes local medical care is not appropriate to treat your illness – our 24/7 medical assistance team will monitor your condition and if necessary will arrange for you to be evacuated to a better medical facility – this can sometimes be in another country or they’ll arrange for you to come back to Australia. Our medical experts take your health as top priority.  

Covers cruises

No extra to pay if you’re going on a cruise. If you are cruising in Australian waters, but want to ensure that you are covered for medical expenses, you should select your area of travel as Australia - Cruise.

Cover for gadgets

No doubt you’ll be taking a few gadgets such as a laptop or phone on your trip. Our plans provide different levels of cover depending on their values. Check this out carefully to ensure you take the most appropriate plan.

Working overseas

Planning on working overseas during your travels? Non-manual jobs such as teaching English as a foreign language, office, bar and restaurant work, even fruit picking is covered. Combine work and travel for the optimum overseas experience.

Volunteering overseas

Planning on Volunteering? Whether to gain some valuable work experience, help others less fortunate than yourself or simply experience a new culture, then it’s important that you have the right travel insurance to support you if things go wrong. Assuming that you are volunteering in a non-manual way such as teaching, then cover is included.

Frequent Flyers points

Paid for your airfares by frequent flyer points such as Qantas, Velocity, Asia Miles etc. and can’t travel because of an illness or an accident? Travel Insuranz will refund you the cash value for these points so you won’t be out of pocket.

Covers terrorism

Watch out - Most travel insurers exclude terrorism completely. So you wouldn’t be covered if you had been involved in the recent terrorist attack in Paris and Tunisia. So long as you are not travelling to a country where the Australian Government says ‘do not travel’, then you would be covered for medical expenses.

Riding scooters / motorbikes

Motorbike – Yes, covered if you have a valid Australian motorbike licence. Moped/Scooter – Yes, covered if you have a valid Australian drivers licence. Travel insurance is not motorbike insurance. It covers you for medical expenses if you have an accident.

Hundreds of activities covered free

A huge range of sports and activities - from bungee jumping to zorbing are included at no extra cost. So if the worst should happen and you’re injured, you’ll have peace of mind knowing that you’re covered.

For full details of terms and conditions, sub limits and exclusions that apply, please read the Product Disclosure Statement and our Target Market Determination before purchasing this insurance product.

Love this company

I have used Travel insuranz for all my trips & thankfully I have only ever had to use them once and everything went smoothly, I can’t recommend you enough. Thank you for having my back whilst traveling!

My Boyfriend Got His Phone Replaced Quick and Easy!

My boyfriend got his phone stolen in Barcelona and Travel Insuranz paid him for it quite quickly - within a week or two from memory! Very happy with the service and response. Thanks!

Very Cheap but comprehensive enough

Good value for money. The website was very easy to navigate. I will surely keep an eye on this company for future use and would recommend it to my relatives and friends.

Awesome Company!

Really good value for money. Amendable snow sports cover periods. Have yet to claim and hope I never have to. All communication with the customer service team arranging cover while Overseas has been exemplary.

Simple, straightforward policies

Easy policy to understand and simple process to purchase. This is my second trip with this company, and I won't use anyone else. Customer service is excellent when making a claim. Fast claims resolution.

Very easy to set up. first time user for a trip in 2020. price is very competitive with excellent cover. Looking forward to travelling and hoping NOT to use our insurance but knowing we have good cover is great peace of mind.

Don't Worry. Just Travel.

The team at Travel Insuranz has not only arranged travel insurance for over 2 million travellers but has paid out more than $30 million in claims.

Travel Insuranz is 100% Australian owned and its travel insurance policies are issued by Chase Underwriting Solutions Pty Ltd and Underwritten by certain underwriters at Lloyd's, providing global strength to give you peace of mind.

In addition to our 14 day money back guarantee, all valid, fully documented claims are guaranteed to be paid within 10 business days.

Making A Claim

Any occurrence or loss, which may give rise to a claim, should be advised immediately to our claims team.

Medical Emergencies

Our emergency service hotline is available 24 hours a day, 365 days a year for assistance with medical emergencies.

Why Choose Travel Insuranz?

Covers one-way travel.

Are you travelling overseas but with no plans to return? Most travel insurers require you to hold a return ticket before you can buy their travel insurance. Not us. Simply enter your final destination and you are good to go!

Buy from overseas

It happens all the time. People forget to take insurance before they leave home, or they have a policy through another insurer which has expired. If you are an Australian resident overseas returning to Australia at the end of the policy period, then our Australians Overseas plan may be for you.

Extend from overseas

Don’t know when you’ll be coming home? No worries – you can always extend your policy from overseas. The cost? The same as it would have been if you had taken that duration before leaving. Compare that with other insurers.

Kids under 18 go free with parents

Take out a single trip family plan and all your accompanying dependents are covered for free. This leaves you with more cash to spend on your holiday and gives you the peace of mind that each child is covered up to the same amount as an adult.

Annual multi-trip option

Travelling more than once this year? Check out our annual multi trip insurance – it offers great value for money and includes 23 days snow sports cover for free. Our Deluxe plan also allows your partner and kids to travel independently of each other and all our plans include cover within Australia.

Choice of plans to suit budget

Travel Insuranz offers a range of plans to suit every budget. Whether you are venturing on a cycling holiday or simply visiting relatives, make sure you choose the plan that offers benefits that best suit your needs. Because every adventure is unique! Safe travels!

Covers groups

You’ll find it hard to find a more user friendly system for large groups – whether on a school study tour or for guests & family at an overseas wedding or an overseas conference.

Kids travelling on their own

Overseas study and volunteering trips are becoming more common with kids these days. Travel Insurance is a must at any age, but even more so with younger kids who can be prone to mishaps whilst travelling. Send your kids off with the peace of mind that Travel Insuranz has them covered.

14 Day Money Back Guarantee

If you are not completely satisfied by the policy you have purchased let us know within 14 days and as long as you haven’t started your trip and you don’t have a claim we will refund your premium in full.

All FAQs and comparing of travel insurance

Epidemic and pandemics, is there a money back guarantee, do you cover skiing and snowboarding, do you cover motorcycling.

Will my medical costs be covered if I am diagnosed with Covid-19 during my journey? 

If I am diagnosed with Covid-19 whilst on my journey, can I claim for quarantine or additional travel expenses? 

What if my travelling companion is diagnosed with Covid-19 whilst on our journey? Will my quarantine and additional travel costs be covered? 

What if I (or my travelling companion) am diagnosed with Covid-19 before I/we commence our journey? 

Why does your Product Disclosure Statement not specifically refer to Covid-19? 

Will Travel Insuranz cover me if I am not vaccinated? 

I need confirmation that I have Covid-19 medical cover in order to enter a country I am visiting; will this be on my documentation? 

Over the last few years there have been some serious pandemics affecting travelers. These include Bird Flu, SARS, Ebola and now COVID-19. Travel Insuranz provides Unlimited Overseas Medical Expenses resulting from an epidemic or pandemic. This extends to include emergency medical, surgical and hospital treatment, transportation and the cost of repatriation. It is important to note the disease must be contracted whilst on your journey and cover does not extend to your normal country of residence or where reciprocal health agreements are accessible. Please refer to the Product Disclosure Statement for full terms and conditions.

We are so confident that you will be satisfied with our travel insurance, that we even offer a 100% Money-Back Guarantee. If, having purchased the policy, you want to cancel it, you can do so within 14 business days and obtain a full refund, provided you have not made a claim and your trip has not commenced.There are no refunds available after the initial cooling off period.

All Travel Insuranz travel insurance policies automatically include cover for cruises. Travellers on domestic cruises within Australian waters should select their area of travel as 'Australia (Cruise)' to ensure that cover is available for emergency medical assistance and expenses.

If you are planning to ski or snowboard whilst you’re travelling simply enter the dates when you will be taking part when you get a travel insurance quote. This will ensure that you are covered for any medical expenses whilst skiing or snowboarding. The annual multi-trip travel insurance gives up to 23 days ski and snowboarding cover automatically free of charge.

If you don't know the dates when you'll be skiing or snowboarding at the time of taking out the insurance, drop us an email when you have the details and we will arrange with you to add cover.

You are covered, subject to the policy terms and conditions, if you are in control of a Motorcycle and have a current Australian motorcycle licence, or you are a passenger travelling on a Motorcycle that is in the control of a person who holds a current motorcycle licence valid for the country you are travelling in. You are also covered if you are in control of a Moped or Scooter and have a current Australian motorcycle or drivers licence, or you are a passenger travelling on a Moped or Scooter that is in the control of a person who holds a current motorcycle or drivers licence valid for the country you are travelling in.  

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RACQ Travel Insurance

Members save 15% on travel insurance

Get your quote

Enjoy happy holidays with RACQ Travel Insurance

Enjoy the freedom of trekking around New Zealand, witness the beauty of Japan's cherry blossoms or cruise the South Pacific. Finally go on that epic outback adventure or visit family or friends overseas. RACQ Travel Insurance can help protect from the unexpected when you’re away from home. See more of the world knowing that you’re covered with RACQ.

• Our members can enjoy 15% discount on policies
• We’re chosen by over 70,000 travellers each year*
• We’re available to help 24/7, wherever you are in the world
• We offer a choice of excess from $0 to $1,000 depending on your plan type
• We provide coverage for the important things like lost, stolen, or damaged luggage, smartphone, tablets, and computers^^

Be prepared for the unexpected with RACQ Travel Insurance.

International travel insurance

• Feel prepared when you adventure overseas

Unlimited** overseas medical and hospital cover Unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit.

Domestic travel insurance

• Experience uninterrupted enjoyment Australia-wide

Lodge your claim or request the answers you need online.

Choose from a range of excess options and add optional extras to your travel insurance.

RACQ Travel Insurance won the 2023 and 2024 Mozo Experts Choice Award for Exceptional Quality.

Manage your insurance

Get more out of your next trip with racq member perks ~ ~, explore more with racq.

Travel insurance FAQs

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.

Things to note

*Figure based on 70,435 passengers on new policies issued in FY23.

^^Limits (including sub-limits), conditions and exclusions apply. This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. Please read the Product Disclosure Statement (PDS) and any applicable Supplementary PDS before making a decision about this product and read the Target Market Determinations (TMDs)  before determining whether this product is suitable for your circumstances. 

** ‘$Unlimited’ means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including that arising from a terrorist act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. Medical treatments must be provided by a legally qualified medical practitioner. You must notify us as soon as practicable of your admittance to hospital.

Specific terms and conditions, limits (including sub-limits) and exclusions apply to each of our policies and the different benefits. Please read the ' RACQ Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement ' for full details. 

RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, please consider the RACQ Travel Insurance Product Disclosure Statement (PDS)  and the Target Market Determinations (TMDs)  that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMDs outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMDs also outline matters involving the distribution and the review of these products. The PDS, Supplementary PDS and TMDs for each travel product can be found  here .

Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Terms, conditions, fees, charges and lending policies apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents  for your selected product or service, including the Financial Services Guide and the Terms and Conditions, and consider if appropriate for you before deciding.

Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.

# Conditions apply. Offer available at participating Caltex and Puma Energy service stations. Visit racq.com/caltex for details.  

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Going on a cruise.

Before you go on a cruise, make sure you take steps to be prepared, and reduce your risks of things going wrong. This will help you to have a safe and hassle-free journey. Explore this page to learn about:

• taking care of your health
• cruise-specific travel insurance
• passports and visas
• severe weather and tsunami risks
• staying safe on board
• shore visits
• piracy and conflict
• worst case scenario
• where to get help

This page is for Australians preparing to travel overseas. If you're already travelling and need help, see our information on what to do when things go wrong .

Carefully consider the risks of international travel before you book. Ensure you understand the local risks and requirements before you make a final decision.

Taking care of your health

Infectious diseases can spread quickly onboard cruises. You're more at risk of exposure than in other settings due to the large number of passengers living and socialising in close quarters over a long period.

You could fall seriously ill if you're exposed to an infectious disease, and the cost of your medical care could exceed your travel budget. If you need medical help on a cruise, you may need to pay your medical bills immediately. In serious cases, you may need to pay for medical evacuation from your ship. It's important to ensure you have access to emergency funds if needed. The Australian Government won't pay your medical bills.

When you're planning for your cruise, think about the following:

• Health checks and vaccinations. Before you go, get a health check and any vaccinations your doctor recommends. It reduces your risk of getting infected or developing severe disease.
• Pre-existing conditions. You're more likely to need medical assistance overseas if you have a pre-existing medical condition. Talk to your doctor about your cruise plans before you commit.
• Medications . If you take medication, pack enough to see you through any potential delays. Learn more about travelling with medications .
• Personal hygiene. Infectious diseases like COVID-19, influenza and gastroenteritis are common on cruise ships. Practice good personal hygiene while you're away. Learn more about preventing infectious diseases . Pack masks and hand sanitiser.

If you get sick

If you fall ill while on a cruise, you'll usually be treated in the medical facilities on board. If it's too serious to treat on board, they may transfer you to a hospital at the next port or medically evacuate you while in transit.

Standards on board may not be as good as in Australia. Talk to your cruise operator about facilities and costs on board.

COVID-19 and cruising

COVID-19 remains a global health risk. Carefully consider the risks of international travel before you book.

If an outbreak of COVID-19 happens while on a cruise, your ship may be prevented from docking. You may have to quarantine on board. Local authorities may restrict consular access if your ship is quarantined, limiting the services we can provide.

Read the travel advice for your ports of call . Ensure you understand the local risks and requirements before you make a final decision.

Read more general advice on how to take care of your health .

Cruise-specific travel insurance

Insurance policies don't always cover cruises. Make sure you choose a travel insurance policy that covers you for cruising and any activities you do on shore. Some cruise ships won't even allow you to board without cruise-specific insurance.

There are some things you should consider before choosing your insurance:

• Your onshore destination. Make sure you're covered. Check the advice level . If it's level 3 or 4, your policy may exclude that destination.
• Australian waters . If your cruise isn't leaving Australian waters, you still need travel insurance for your health. You may be unable to claim Medicare or private health insurance on the ship. Check before you go if your ship has a Medicare-accessible doctor on board.
• Your planned activities. Your insurance needs to cover your onshore activities and shore excursions. Adventure activities may not have the same safety standards as Australia.
• Medical evacuations . Make sure you're covered for medical evacuation at sea. The cost of medically evacuating a patient from a cruise ship by helicopter can be in the $100,000s.

No matter how healthy and fit you are, if you can't afford travel insurance, you can't afford to travel. The Australian Government won't pay for your medical expenses overseas or medical evacuation costs.

Learn how to choose the right cover for cruises. Read the travel insurance buyers guide  and CHOICE advice on which travel insurers cover cruises .

Passports and visas

Before you go, organise your passport and any visas you'll need.

• Pack your passport. If you're entering a foreign country's waters, you may be asked to show it, even if you don't plan to disembark in the country. Learn more about passports.
• Get your visas for all destinations. Check visa requirements with your cruise operator or holiday provider well before your planned departure. Learn more about visas .

Severe weather and tsunami risks

Most cruise lines will have processes in place for severe weather.

It can cause rough seas and impact your itinerary. They may reroute the ship if the weather event is too dangerous to navigate safely. Follow the instructions of the ship's crew and put your safety first.

• Check the weather. Know what to expect. Especially if you're travelling somewhere that experiences cyclones.
• Know what to do in a crisis. This includes severe weather and tsunamis .

Staying safe on board

Treat your personal safety and security on a cruise ship the way you would in any other travel destination.

• Reduce the risk of theft. It only takes one thief to ruin your trip by stealing your things when you're not looking. Lock your cabin door, use the safe for valuables and stay alert on board. See more about theft and robbery .
• Party safely. Many cruise liners are famous for their bars, nightclubs and cocktails by the pool. Take the same precautions as you would onshore. Don't swim while drunk. Don't do drugs. Know your limits, watch for spiking and take care of others. See more about partying safely .
• Prevent assault. Socialise safely with strangers and look out for your mates. See our advice on reducing the risk of assault and sexual assault .

Read more advice about staying safe and avoiding danger.

Shore visits

Shore visits are a highlight of any cruise. Just be mindful that the risks in each destination can be unique.

• Research the destination. Know the safety and health risks there. Read the travel advisory for the destination .
• Protect your passport. Unless the local law says you must have it on you at all times, keep it on the boat in your room's safe. Always protect your passport.
• Protect your property. Professional thieves target passengers on shore visits who let their guard down. Especially passengers who look like inexperienced travellers. Protect yourself from theft .
• Look after your health. Research the activity you plan to do. Find out if it commonly leads to particular health problems, especially injuries. Find out if you can get medical assistance while onshore.
• Wear safety gear. Riding bikes, scooters, and other adventure activities are popular extras for cruise passengers. Always wear the correct safety gear for your activity. Also, make sure your insurance covers you for it. Just in case things go wrong.

Piracy and conflict

Piracy is a risk in some parts of the world. Ask the cruise company about their security measures if you're going through a piracy-prone area. Find out about their policies and procedures in the event of a pirate attack.

Conflict in the countries surrounding your cruise route can make traversing the waters more dangerous. Be aware of current events in the region you're cruising through. Ask your cruise company if there are any safety concerns. They may reroute your cruise if the risks are too high.

Worst case scenario

Cruises have policies for what happens if a passenger dies on board.

We strongly advise you to have travel insurance that covers death and repatriation of your remains. It often costs 1000s of dollars.

If you die, the cruise line won't pay for these services. Neither will the Australian Government. It will be your estate or your loved ones that get stuck with the bill.

Learn more about what happens if you die overseas .

Where to get help

On your cruise liner, your first port of call for help is the crew. You can also get help from:

• ship's security
• ship's doctor
• travel companions
• your travel insurer.

If you're onshore:

• the tour guide
• local authorities
• local hospital

The Australian Government

In some circumstances, consular officials may be able to help. However, there are limits.

It's important you understand our limits and how and when we can help. Read the Consular Services Charter .

• See the travel advisory for all your destinations , including shore visits and territorial waters. Know what each advice level means.
• Also see our advice for travelling by boat .
• Learn about piracy , terrorism and kidnapping .
• See what to do if you need help while you're away.
• See the list of Australian embassies and consulate overseas (DFAT)
• Read about the Vessel Sanitation Program (VSP), US Centers for Disease Control and Prevention (CDC) (US Government)
• Read the travel insurance buying guide , guide to planning a cruise trip and safety tips for cruise ship holidays (CHOICE).

Related content

Piracy is a major issue around the world. Explore this page to learn about high risk areas for piracy, how to reduce your risk and where to get help.

This page will help you understand the risks and take appropriate precautions before you head out on the water.

Do You Need Travel Insurance for a Cruise in Domestic Waters?

• August 18, 2023
• Travel Tips

Have you got a cruise coming up in Australia? Wondering whether you need travel insurance for a cruise in domestic waters? Here’s why it’s probably a good idea:

Do you need travel insurance for a domestic cruise?

If your cruise isn’t going overseas you might not think it’s necessary to buy travel insurance. But there are a few reasons why it’s actually a really good idea to get travel insurance:

Medicare Doctors

In Australia you are covered by medicare if you go to the hospital or see a doctor. However if you need to see a doctor onboard the cruise, there is no guarantee they will be a Medicare provider. You can check with the cruise line to see if they have a Medicare doctor on board. If they don’t you could end up having to pay hefty fees and you won’t be covered by Medicare.

Medical Evacuation

If you need a medical evacuation from the ship you could end up having to pay hundreds of thousands of dollars. Travel Insurance will cover this in the unlikely event it happens to you.

Lost and Damaged Luggage

While the chances of losing luggage is probably less than taking an international flight, it still happens on a cruise. And if you’re flying into your departure port there is a risk of setting sail without luggage. Travel insurance can cover lost luggage and reimburse you in the event you need to replace items you can also get covered for damage (i.e dropping your phone). Not every travel insurance policy covers lost and damaged luggage so it’s best to check with your provider and also read the fine print to see up to what value you’re covered.

Cancellations

Travel Insurance can reimburse your travel costs in the event you need to cancel your cruise. Things like illness, family tragedies and even sick pets can prevent you from travelling. Many cruise lines have non-refundable tickets. Travel insurance can cover you if you’re unable to make the cruise.

The cancellation policy in your insurance will most likely not be unlimited and you may require a doctors certificate or other documentation to prove you were unable to take the trip.

While you probably don’t need medical coverage for a trip on a ferry like Spirit of Tasmania , but you might benefit from the cancellation coverage. A cruise will be much more expensive and cancellation protection is often a good deal.

Cruise Line Requirements

Some cruise lines will require travel insurance. While this isn’t common for domestic cruises, it’s definitely common for international trips. There are also certain countries like New Caledonia that require travellers to have travel insurance.

Cruise Travel Insurance Tips

Check your policy.

Not all travel insurance covers cruises. So make sure you check what’s covered before buying travel insurance. For example if you were to but a flight centre travel insurance policy, you need to tick a box saying you’re going on a cruise. Depending on the provider it could be more expensive, where as others include cruise coverage at no extra cost.

See if Covid is Covered

Cruises are more likely to be effected by Covid, than other forms of holiday. Make sure you check if your travel insurance has Covid coverage.

Shop Around

While you can often get travel insurance when booking a cruise, it’s not always the best deal. Travel Agents make a commission when they sell a policy and this often means you pay a little more. You can often get a cheaper price by buying the insurance direct from the provider.

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• August 17, 2023

The Best Cruise for Young Adults: Australian Guide

• August 7, 2023

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• September 21, 2023

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