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• Travel Insurance
• 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

Southern Cross Travel Insurance

Medical Cover

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.

Cruise travel insurance

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In this guide

Do you need special travel insurance for a cruise?

Is cruise travel insurance worth it, can you get travel insurance for covid on a cruise, compare cruise travel insurance benefits, how to find the best cruise travel insurance, cheap cruise travel insurance, frequently asked questions.

Destinations

What you need to know

• Aussies love cruises, with 26% of us considering taking a cruise soon.
• Alas, things can go wrong at sea, and costs like medical expenses can blow out quickly.
• Travel insurance that covers cruising is kind of essential, but not too expensive.

'Cruise travel insurance' is typically a normal travel insurance policy with cover for cruising added onto the policy. You'll get all the standard travel insurance benefits, such as cover for cancelletions and medical care, but it offers some extra, cruise specific coverage. This might include:

• Onboard medical expenses,
• Emergency evacuation,
• Missed ports,
• Missed cruise departure,
• Cabin confinement,
• Formal cruise attire,
• Marine rescue diversion, and more.

Travel insurance is almost always worth it, and cruise travel insurance is even more so. The main reason for this is because you will really want medical coverage on your trip.

You're probably won't be covered by Medicare on a cruise, so all medical bills will ahve to be paid out of your own pocket. Medical bills can reach the thousands when they're not subsidised, and cruise ships charge a premium for everything. Cruise insurance can reimburse you if something goes wrong. If something goes really wrong, you can also get cover for evacuation expenses to get you to an Aussie hospital quickly.

Yes, lots of travel insurance policies now cover COVID-related expenses if you catch the virus. This can include onboard medical expenses, medical evacuation and cancellation or rearrangement costs. For example, if you catch COVID before your cruise, you can cancel and get reimbursed for your trip, usually up to $5,000.

A small proportion of Australians (10%) say they don't plan to book a cruise in the next 12 months because COVID has ruined it, according to a 2023 Finder survey.

COVID still makes up 11% of all claims. On average we are paying out claims for cancellation and travel disruption due to COVID to the value of $1,500, which is a sizeable cost.

Jo McCauley CEO - Southern Cross Travel Insurance

Based on our research, we believe these are the most important features of a cruise travel insurance policy.

Note: This information was last updated March 2024 * Missed port cover: Cover if your cruise skips a scheduled port due to weather restrictions or mechanical breakdowns. ** Cabin confinement: Cover if you're confined to you cabin (usually for more than 48hrs) due to a serious illness.

The best cruise travel insurance is a policy that is most suited to your individual needs. It's not just one specific policy. To help you find the best cruise travel insurance, follow the simple steps below.

Choose a single trip or annual multi-trip policy. Think about all the trips you'll be taking over the next 12 months. If there are 2 or more, an annual policy will save you money and time.

Compare brands. Some brands cover more than others and come with higher limits for certain benefits.

Choose a brand you trust. If you've never bought cruise travel insurance, look at forums for reviews . Just be careful, since reviews are written by the general public and are heavily influenced by negative outcomes.

Buy your cruise travel insurance as early as possible. Most insurers will cover your cancellation fees if you have to cancel due to unforeseen circumstances, so it pays to buy early .

If you're travelling on a budget and need an affordable policy, getting cheap cruise travel insurance is possible but you might have to sacrifice a few benefits. The most important thing is to have cover for medical treatments and emergency evacuation. Anything on top of that is a bonus.

The table below shows how the cheapest policies usually cover medical and emergency assistance only on cruises. It also shows the price difference among the cheapest, and why paying a bit more money for a policy gives more benefits for your cruise.

We got these prices in November 2023 for a 30-year-old going on a South Pacific cruise for 14 days, with a standard excess of $200.

Meet our travel expert Angus Kidman

Angus Kidman is the international editor-at-large at Finder. He's an award-winning journalist, avid travel enthusiast and passionate frequent flyer. Angus appears regularly on Sunrise, Today, The Project, Seven News and other TV and radio shows to share his expert tips.

Angus's top cruise insurance tips

• Remember, you're not covered by Medicare on a cruise, even if it's only in Australian waters. Make sure you get cover - on-ship treatment is super-pricey.
• Comprehensive insurance should cover missed connections, but reduce the risk by allowing plenty of time for connecting flights if you're not cruising from your home city.
• Drinks package warning: travel insurance likely won't cover your for inuries that occur while you're drunk.

Why you can trust Finder's travel insurance experts

We're experts

We're independent

We're here to help

Do i need cover for each location i visit.

You don't need separate policies, but you do need to tell your insurer every place you will be visiting by sea or by land. This helps them work out the price of your quote.

Most travel and cruise insurance policies provide automatic cover for stopovers of up to 48 hours.

Does cruise travel insurance cover me if I get sick?

Yes, cruise travel insurance covers your medical expenses while onboard. It can also give you an allowance if you're confined to your cabin for more than 48 hours due to a sickness such as gastroenteritis. This benefit is called cabin confinement.

What if I'm just taking a short cruise as part of a longer holiday?

You will still need cruise insurance, but technically only for the length of the cruise. However, it can be tricky to find a single policy that lets you split your cruise and non-cruise portions. Here are your best options:

• Stick with a cruise policy for the whole trip. Remember, cruise insurance covers you on and off land, and you may find that this option is not much more expensive than a normal policy anyway.
• Double up by getting a standard policy and a cruise policy. If you're only out to sea for a couple of days, you might consider buying cruise insurance on top of the normal travel insurance that's covering the rest of your trip. You'll be paying twice, but hey, if you save a few bucks, you're still ahead. Just remember you won't be able to make the same claim on both policies.
• Work out an arrangement with the insurer. If you don't want to double up or pay for cruise insurance when you won't be using it, try contacting an insurer and see if they can create a custom policy for you.

Can I get insured for my cruise if I have a pre-existing medical condition?

Yes, it’s possible, especially if you can prove that your pre-existing condition is stable or you haven’t had any significant issues for at least 12 months.

Am I covered for activities that I'll be doing on the cruise such as snorkelling and other watersports?

Not necessarily, so check the fine print. You may need to purchase an additional adventure sports pack to make sure you have the cover you need.

What region should I include when getting cruise insurance?

When you take out travel insurance, include every country that you'll be visiting. If you miss one, any claim you make could be denied. If you're cruising domestically, probably select the Pacific region, which will usually include New Zealand, Bali, the south-west Pacific and Norfolk region, and the waters in between. If you're still unsure what region to select for your domestic cruise, check out your insurers product disclosure statement (PDS) for confirmation.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

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CRUISE Insurance Quotes

Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

We compare quotes from over 25 travel insurance brands in Australia. Do your comparison online to save time, worry and loads of money.

WHY COMPARE TRAVEL INSURANCE IS LOVED BY CRUISERS

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 Extraordinarie At Your Service

Don’t rock the boat baby! Eugene has the answers to all sorts of travel insurance queries . Use our quick search below to makes sure you’re covered from ship to shore. Aye aye captain!

cruisING insurance  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 stings Aussies at sea

What does cruise insurance cover.

• 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.

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Cruise travel insurance 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 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 covered on land and sea. If you click 'more info' within the quote results, we tell you if the policy covers for cruises automatically. Alternatively, when you are directed to your chosen insurers 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 your 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 destinatioins 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 medial 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 of false teeth (or any other high velue item) is worth more than this, you'll need to tell your insurer so they can make sure you are properly insured.  

Travel Insurance Reviews

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.

Our Travel Insurance Comparision Helps You

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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, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, 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.  Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

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• 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
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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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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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•   Australian cruise coverage
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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.

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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".

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• 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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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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Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE .

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.

Join the conversation

To share your thoughts or ask a question, visit the CHOICE Community forum.

Click here for our travel alert about the Israel – Gaza conflict. Due to the current conflict in Ukraine, our policies exclude coverage for any trips to Russia, Ukraine or Belarus. Check out latest travel alerts here before buying a policy.

Cruise Travel Insurance

With our tailored Cruise Travel Insurance, cruisers get all the benefits of the Single Trip policy^, plus additional inclusions that are unique to cruising, such as reimbursements for certain necessary additional expenses due to a cruise delay.

Our cruise insurance policy^ is available in three levels of cover; Bare Essentials, Silver and Gold, so you can choose coverage that suits your needs. All levels of cover provide you with access to an expansive global 24/7 emergency assistance network, with over 31,000 points of assistance across all continents, and an easy  online claims process .

Why Travel With Us for a Cruise Trip?

Cruise Travel Insurance Benefits:

• Trip Cancelation Before Departure:  If it is necessary and unavoidable to cancel your cruise, we will pay certain unrecoverable travel costs and expenses. This is available in our Cruise Silver and Gold levels of cover, and you should consider purchasing cover as soon as you book your cruise, in case of cancellation.
• Missed Cruise Departure:  Should you miss the scheduled departure of your pre-booked cruise from Australia due to certain events, we will cover you for certain reasonable and necessary additional travelling expenses to continue with your original itinerary.
• Medical Expenses:  We offer unlimited cover for necessary and reasonable medical expenses on board and onshore (outside of Australia) such as medical, surgical, hospital treatment and ambulance.
• Missed Port Cover:  If your cruise never docks at a port during a trip due to adverse weather restrictions or mechanical breakdown, we will pay for each scheduled missed port. This is available in the Cruise Silver and Gold policies.
• Personal Belongings & Baggage:  We provide coverage if your personal belongings are lost, stolen or damaged during your cruise, or up to 72-hours prior to your cruise departure in Australia. Sublimits apply.
• Reimbursements for Shore Excursions:  If it is necessary and unavoidable for your cruise to be cancelled or cut short, you may be covered for certain costs, subject to the level of cover selected.
• Cabin Confinement:  If you are confined to your cabin due to medical reasons as advised by a ship medical officer, InsureandGo will pay $75 for every 24 hours a passenger is confined up to the defined amount outlined in table of benefits in our Silver and Gold cruise policies.
• 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 for more than 12 hours. This cover is available in our Silver and Gold cruise policy and you will be reimbursed for each complete 12-hour period you are delayed. Limits and sublimits pay apply.
• Emergency Medical Transportation:  We provide certain cover (outlined in the policy wording) for passengers, if they require urgent transportation to a medical facility or need to return home for emergency treatment.

These benefits are a summary, so please see our  PDS  for full terms & conditions.

Which destination to select for your cruise journey :

Please note:  Our policies do not cover claims arising directly or indirectly from travel in, to or through Afghanistan, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Myanmar, North Korea, Pakistan, Russia, Somalia, Sudan, Syria, Uganda, Venezuela, Yemen and Zimbabwe.

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.

Ready to cruise?

Get a travel insurance online quote now.

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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]

AusPost Travel Team

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Australia Post acknowledges the Traditional Custodians of the land on which we operate, live and gather as employees, and recognise their continuing connection to land, water and community. We pay respect to Elders past, present and emerging.

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Cover for overseas cruises

Our International Comprehensive policy has an optional add-on for cruises overseas, leaving you free to sit back, relax and enjoy the view.

From unexpected changes to tours and lost bags, to health emergencies and cancellations, our cruise cover travel insurance can help you and your family feel secure with our International Comprehensive policy, should something go wrong. Remember to read your Product Disclosure Statement  carefully, to ensure you’ll be looked after by our experts when you need it most.

Our International Comprehensive insurance also includes cover for:

• Unlimited medical and evacuation expenses
• Cancellation fees and lost deposits – with the option to increase your cover depending on the cost of your journey
• Damaged or lost baggage
• Personal items if they are stolen or damaged
• Rental vehicle excess
• Emergency dental treatment
• Funeral expenses

Included in your policy, you’ll get access to our worldwide emergency assistance team who are just a phone call away, and available 24 hours a day, 7 days a week.

For more details, including the terms and conditions, please read our travel insurance Product Disclosure Statement  to decide if International Comprehensive is right for you and your overseas cruise trip.

Cruise travel insurance

Considering a cruise for your next holiday.

There’s nothing better than exploring exciting destinations while enjoying the comfort and luxury of a cruise ship. But like any holiday there are risks involved, and these can be particularly expensive on a cruise…so why wouldn’t you make sure you’re covered if the unexpected happens?

Why choose a cruise?

When it comes to planning your next holiday, choosing the right type of adventure can make all the difference in creating a memorable and relaxing experience. While there are numerous options available, embarking on a cruise is a fantastic choice that offers a unique blend of convenience, exploration, and leisure. We’ve outlined some reasons a cruise could be ideal for your next trip away:

• Convenience & All-Inclusive: Enjoy a hassle-free holiday with accommodation, meals, entertainment, and transportation bundled into one, simplifying your travel experience.
• Diverse Destinations, One Trip: Explore multiple destinations in a single journey, from exotic islands to historic cities, making the most of your travel time.
• Unpack Once: Say farewell to constant packing and unpacking; on a cruise, you unpack just once, waking up in new destinations without moving your suitcase about.
• Variety of Activities: Find entertainment, relaxation, and adventure on board, from world-class shows to spa treatments, catering to travellers of all interests.

Explore our range of cruising insurance policies to find the right cover for you!

Cover for domestic cruises

Perhaps you’re after a shorter trip or just want to enjoy the beautiful coastline or waterways of Australia? Our Domestic policy has an optional add-on for cruise cover, so you can relax on your next cruise adventure.

Our Domestic cruise travel insurance also includes cover for:

• Cancellation fees and lost deposits – with the option to increase your cover depending on the cost of your journey
• Pet services
• Childcare expenses

For more details, including the terms and conditions, please read our travel insurance Product Disclosure Statement  to decide if our Domestic policy is right for you and your domestic cruise trip.

Top tips for cruise insurance

For more information on choosing travel insurance for a cruise, read our cruise tips and advice:

• Make sure you select the cruise add-on when buying your policy.
• Consider the total cost of your cruise when selecting your cancellation cover amount.
• If you are planning on participating in any water sport activities during your trip, such as diving or kayaking, please check the policy conditions to ensure these are covered.
• Don’t leave your travel insurance to the last minute. Buy your policy as soon as you’ve booked your cruise to ensure there's cover for unexpected cancellations or illness before you travel.
• Carefully read all policy conditions to ensure you purchase the best cruise travel insurance for you.

What you need to know

This page includes some information about our products but, as with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant Financial Services Guide (FSG), Product Disclosure Statement (PDS) and  Target Market Determination (TMD)  to ensure our travel insurance products are right for you.  

You can find the relevant documents here:  International Comprehensive , Annual Multi-trip ,  International Medical Only , Working Overseas ,  Domestic .

The content of this article is general and provided for information purposes only. Southern Cross Travel Insurance (SCTI) doesn’t guarantee or warrant the accuracy, completeness or currency of any article.

This article may contain hyperlinks to other websites owned or operated by third parties, or references to third party products or services. SCTI isn’t responsible for, and makes no recommendation about, the content or accuracy of any third party website, or for the suitability or performance of any product or service. The inclusion of a link in this article doesn’t imply that SCTI endorses the website or third party product/service.

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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.

TRAVEL INSURANCE

SET-SAIL WITH CRUISEABOUT'S TRAVEL INSURANCE

GET SUITABLE COVER FOR YOUR HOLIDAY

To ensure your cruise holiday goes as smoothly as possible, Cruiseabout has partnered with Cover-More Travel Insurance (AFSL 241713) to offer you a range of travel insurance policies that will cover you from the moment you book your cruise, until you’re safely back home.

Nobody likes to think about what could go wrong when you’re on holiday, but unfortunate things can happen. And that’s where travel insurance comes in. When you choose Cruiseabout and Cover-More, you can rest assured throughout your cruise holiday knowing that may be beneficial if something goes awry. From misplaced passports and cancellations or delays, to emergency medical expenses, we’ll be here to help.

Set sail on your dream cruise and choose Cruiseabout Travel Insurance to protect your travels.

Smooth Sailing Starts with Smart Planning

A cruise holiday is a voyage into the unknown, filled with breathtaking destinations and unforgettable experiences. But, even the most meticulously planned journeys can encounter unforeseen curveballs, and that’s why you should consider purchasing travel insurance. Yes, it may be an extra expense, but if things go awry, travel insurance is an affordable cost that can potentially protect you from huge costs in the future. This includes the cost of cancelling your cruise for reasons yet unknown; the cost of emergency medical care when you’re overseas or even a medical evacuation from the ship to a hospital; or the cost of replacing your possessions if your baggage is delayed. We don’t like to think about what could go wrong, but unfortunately, they can – and do.

Here are a few instances where cruise travel insurance can be a holiday-saver:

⚓ Last-Minute Cancellations

“Hello cruise line, yes I need to cancel my holiday please, I’ve had a family emergency and can no longer go. And yes, a full refund would be good, thank you!”

Unfortunately, that conversation is unlikely to go like that. You may be lucky to get a partial refund but even that may depend on how far out you cancel your trip. But, with a comprehensive travel insurance policy, you can choose a cancellation cover amount that suits your needs to help  protect your investment should you need to cancel before you set sail.

⚓ Medical Emergencies

When you’re enjoying that cocktail on the sun deck, a medical crisis is the last thing on your mind. However, unforeseen medical issues during your cruise can quickly become very costly. Hospitalisation and medical evacuation costs outside of Australian coastal waters are very expensive and are not covered by Medicare or private health insurance. It’s crucial to ensure you have coverage for the destinations you visit, as well as any onshore activities and excursions. Medical attention in a foreign country can come with exorbitant costs, with daily hospital bills costing as much as AUD5,000 per dayAnd in the event of a serious emergency requiring a medical evacuation, such as being airlifted to the nearest hospital, expenses can soar up to $100,000 or even more (and that’s just for the helicopter ride).

Fortunately, you can easily alleviate the stress of something like this happening with a comprehensive plan that offers unlimited cover on coverable medical expenses and additional expenses if an emergency were to occur.

⚓ When You Literally Miss the Boat

Cruise ships won’t typically wait for all guests to be onboard before setting sail. They have a window of time to depart, and if you’re not on the ship before then, they’ll likely leave without you. And if you don’t have travel insurance, then you may find yourself up a creek without a paddle. From overnight hotel stays to transportation to meet your cruise ship at their next port of call, travel insurance can help save you from having to foot the bill for this yourself. Plus, the added benefit of 24-hour emergency assistance means that you’ll also receive help trying to figure out your next steps so that you can still enjoy the rest of your holiday.

⚓ Consider Travel Insurance for the Unexpected

You’re likely considering a cruise holiday because you need a true time-out. No cooking, cleaning, or driving – just unpacking once and letting your floating hotel transport you from A to B to Z. But it’s tough to enjoy that if you’re worried about bad weather, illness or international emergencies. That’s why smooth sailing starts with smart planning, and by having a travel insurance policy up your sleeve for when the unexpected happens, you can truly put your mind at ease knowing you have added protection if anything  comes your way. With a support crew back home to help you too.

Contact your Cruiseabout Consultant today for a free, no-obligation quote for your travel insurance, or browse our policies on offer below.

GET A QUOTE

Enter your travel details to get a quote and buy your insurance policy online.

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Terms and Conditions apply. Click here to read our Privacy Policy .

Limits, sub-limits, conditions and exclusions apply. Travel insurance is arranged and promoted by Flight Centre Travel Group Limited trading as Cruiseabout (ABN 25 003 377 188), managed and administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) and issued by Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Any information is general advice only and does not take into account your individual situation, needs or objectives. Obtain a copy of the Combined PDS/FSG here. For a copy of the Target Market and Target Market Determination visit here.

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What is travel insurance?

Travel insurance is designed to cover you for a range of unexpected events that could happen when you’re travelling overseas or in Australia. Allianz Travel Insurance can cover costs like travel delays or emergency medical treatment, or the cost of replacing items that were lost or stolen during your trip. 1

We have Basic, Comprehensive, Domestic, and Multi-Trip Plans to choose from, with varying levels of cover to help you when you need it most. Our plans are available for singles, duos or families. Read through our Product Disclosure Statement (PDS) for detailed information about our plans to see which level of cover is right for you.

Find the right cover for your trip

Basic Travel Insurance

• Overseas emergency assistance 1
• Overseas medical and hospital expenses 1
• Personal Liability 1

Comprehensive Travel Insurance

• Overseas emergency assistance, medical and hospital expenses 1
• Unexpected trip cancellation 3
• Loss of or damage to luggage and personal effects 1
• COVID-19 benefits 2

Domestic Travel Insurance

• Travel delay expenses 1
• Rental vehicle excess 1

Multi-Trip Travel Insurance

Additional cover options.

For an additional premium, you can choose to add an Adventure Pack, Cruise Pack, or Snow Pack to eligible plans. Increased Item Limits Cover can also be added to insure your luggage, personal effects or valuables should something happen to them while travelling.

You have the option to vary the base excess when you buy your policy (premium adjustment will apply depending on the excess selected). The choice is yours.

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Choose what suits your needs, single cover, family plan, ready to get started, frequently asked questions.

Without travel insurance, you run the risk of incurring some significant expenses that may take years to pay off.

If you’re travelling overseas, travel insurance is an important consideration for unexpected medical bills and hospitalisation. Other unforeseen expenses could include the replacement of lost or stolen luggage, delays or cancellations to your trip, and many other unfortunate scenarios.

We don’t cover medical expenses under our Domestic Travel Insurance policy. However, you may wish to take out insurance for domestic flight changes or cancellations, lost or stolen baggage, or rental vehicle excess. Refer to the Product Disclosure Statement (PDS) for more information.

Travel insurance may cover you for a range of unexpected events that may affect your trip, such as emergency medical assistance if you become ill or injured while travelling overseas, including arranging your evacuation if needed.

Other incidents that travel insurance may cover include costs due to unexpected delays and cancellations, rental vehicle excess, and personal liability. You also have the option to purchase additional cover for activities such as adventure sports or skiing, although this isn’t available on all plans.

Cover limits vary from insurance provider to insurance provider, as do policy terms, conditions, limits and exclusions, so it’s important to read the Product Disclosure Statement to make sure you fully understand what’s covered, the limits applying to the policy, and to make sure the policy is appropriate for your needs.

The length of your Travel Insurance policy is largely dependent on the travel dates you supply. When obtaining a quote, or buying a policy, you’ll be prompted to enter in your departure and return dates – this will be the period of cover for all benefits except the cancellation benefit, which begins from the date your policy is issued.

The period of cover is also shown on your Certificate of Insurance, which is sent to you at the time of purchase. You may want to extend the length of your holiday abroad (and therefore need an extension of your period of cover) and you may be able to do this within specified timeframes.

If you think you may travel more than once a year, you may wish to consider a Multi-Trip policy . Different start and end dates apply, refer to the Product Disclosure Statement for full details.

It’s up to you when you buy Allianz Travel Insurance, however, keep in mind these three things:

• You can buy our Travel Insurance up to 12 months in advance.
• You must buy Allianz Travel Insurance before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to begin travel.
• Depending on the plan you choose you may have trip cancellation cover, which covers unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued. So, consider buying our Travel Insurance as soon as you’ve booked and paid for some or all your trip as you may be covered for such events before you depart.

Yes, if you change your mind after you buy your Travel Insurance policy, you may cancel it within 14 days of your Certificate of Insurance being issued.

You’ll be given a full refund of the premium you’ve paid, provided you’ve not started your journey and don’t intend to make a claim or exercise any other right under your policy.

When considering which policy is right for you, make sure you consider your needs, as well as your financial situation. Reading the Product Disclosure Statement and Target Market Determination (TMD) is a good place to start as they will give you more detail, so you can decide if the plan is right for you.

Allianz Travel Insurance offers a number of travel insurance plans – Basic , Comprehensive , Domestic , Non-Medical or Multi-Trip Travel Insurance . You can see more detailed information on our Compare Cover Options page .

This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.

However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19.

Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

Note: There is no cover under any benefit of this policy if your claim arises because you did not follow advice or a warning that has been issued by the Australian Government or a reliable mass media source. This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

If you have any questions call us on 13 1000 .

If you need to shorten your journey while travelling, or are prevented from travelling due to a COVID-19 border closure or mandatory quarantine period, you may be entitled to receive a partial or full refund on your premium. Refer to the Product Disclosure Statement for more information.

Eligibility criteria applies. Contact us on 1800 440 806 or email us .

There is no cover under any benefit of this policy if your claim arises because you didn’t follow an advice or warning that a reasonable person would have been aware of, that has been issued by the Australian government (when a ‘reconsider your need to travel’ or ‘do not travel’ alert is in place), which can be found on Smartraveller ; or which was published in a reliable mass media source.

Before buying travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).

Note: This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

Tip: Subscribe to Smartraveller to get travel alerts and advisory updates by email.

Refer to General Exclusions in the Product Disclosure Statement for a full list of exclusions.

If you have any questions, call us on 13 1000 .

A general exclusion, sometimes referred to as a policy exclusion or exclusion, is an exclusion that applies to all policy benefits.

Should a general exclusion apply, your travel insurance policy won’t provide cover for the specified event, activities or circumstances.

Refer to General Exclusions in the Product Disclosure Statement provided at the time of purchase for a full list of exclusions.

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Give us a call, or send us a message, follow us on, *conditions apply.

• Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to the Product Disclosure Statement for full details.
• Policy terms, conditions, limits, exclusions, and sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Product Disclosure Statement to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
• Terms, conditions, limits, exclusions and sub-limits apply. Cancellation cover is only available on Comprehensive, Domestic and Multi-Trip Plans. Refer to Cancellation and General Exclusions sections of the Product Disclosure Statement for full details.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

^The 5% off Travel Insurance ‘TRAVEL5’ discount is available from 12:01am AEST 06/05/2024 until 11:59pm AEST 30/06/2024 by entering the valid promo code. The discount applies to new policy purchases and is based on standard premium rates (including optional extras). It applies automatically upon successful input of the promo code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Not to be used in conjunction with any other offer.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

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

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

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

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

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

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

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

What does travel insurance cover when you cruise?

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

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

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

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

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

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

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

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

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

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

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

Where to find a cruise travel insurance policy

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

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

Third-party insurance companies

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

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

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

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

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

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

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

Credit cards with travel benefits

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

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

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

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

Related: The best credit cards for booking cruises

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

Cruise lines

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

Related: A beginners guide to picking a cruise line

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

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

Cruise line policies also can be more restrictive.

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

How much does cruise insurance cost?

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

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

Related: What's included in your cruise fare?

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

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

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

Should I buy travel insurance for a cruise?

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

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

You might not be covered by regular medical insurance while cruising

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

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

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

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

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

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

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

Getting evacuated for a medical condition is expensive

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

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

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

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

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

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

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

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

You can't predict the weather

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

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

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

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

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

Costs can mount quickly when things go wrong

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

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

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

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

The government probably won't bail you out

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

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

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

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

You may need more assistance than you think

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

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

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

You want to be careful if you have preexisting conditions

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

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

Bottom line

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

Planning a cruise? Start with these stories:

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

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

GOBankingRates works with many financial advertisers to showcase their products and services to our audiences. These brands compensate us to advertise their products in ads across our site. This compensation may impact how and where products appear on this site. We are not a comparison-tool and these offers do not represent all available deposit, investment, loan or credit products.

3 Reasons You Should Get Cruise Insurance and 1 Reason You Should Avoid It

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Cruising the high seas is a favorite way to explore the world for many. 31.7 million travelers took a cruise last year, according to  Statista , and by 2027, that number is expected to climb to 39.4 million. Cruises are a fun way to meet new people and enjoy delicious food and onboard activities while experiencing new travel adventures.

It all sounds great — until there’s a problem. What if there is a delay, interruptions, medical situation, or other problems during the cruise? You can always check with the cruise company to see what’s covered on their end and read the fine print. However, cruise insurance might be the answer for most cases except one.

Trip Cancellation, Delays and Interruption

Anything from unexpected sickness to severe weather conditions can interfere with your cruise. “This kind of coverage is essential any time of the year, but especially during hurricane season when storms can impact your travel plans,” per U.S. News and World Report.

Medical Emergencies

Nobody ever plans for a medical emergency on vacation, but it can happen. Health insurance often won’t cover medical costs while traveling, especially internationally.

According to the  U.S. Department of State , “The U.S. government does not provide insurance for U.S. citizens overseas. We do not pay medical bills or unexpected medical costs. We highly recommend that you buy insurance before you travel.”

So having cruise insurance that covers medical emergencies could save you big bucks.

Lost, Stolen or Delayed Baggage

Not having your luggage on a cruise is not a great way to start a vacation, but having insurance can give you peace of mind. “Coverage for baggage is important for cruises just like any other trip,” according to U.S. News and World Report. “This type of insurance can pay for essential items you need to buy if your bags are lost or stolen and don’t make it on the ship.”

Credit Card Travel Insurance

You may not need to buy cruise insurance if your credit card offers travel insurance. Many cards provide this service, but the Chase Sapphire Reserve card has the best travel insurance overall, according to  AP.

Benefits include the following:

• Up to $10,000 per person and $20,000 per trip for trip cancellation coverage
• Up to $10,000 per person and $20,000 per trip for trip interruption coverage 
• Trip delay coverage is worth up to $500 per ticket (a six-hour delay is required)
• Baggage delay coverage worth up to $100 daily for five days
• Up to $3,000 per passenger for lost luggage reimbursement
• Up to $1 million for travel accident insurance 
• Up to $75,000 for primary rental car coverage 
• Up to $2,500 when you’re at least 100 miles from home for emergency medical and dental benefits 
• Up to $100,000 for emergency evacuation coverage

Buying travel insurance for your cruise can be worth it to help alleviate concerns and with the right plan can protect you if things go awry.

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.

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Explained: How Australia's new innovation visa could be a boon for Indians

The new australian innovation visa will replace the global talent visa programme, set to end in late 2024.

Photo: Shutterstock

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Dunki explained: what is the donkey flight illegal immigration method, after australia, new zealand tightens work visa rules for immigrants, women's premier league: mumbai indians swot analysis, schedule for wpl 2024, new zealand tightens visa rules: how will it impact indian job seekers, uk's graduate route visa to continue: key benefits for indian students, how indians travel and spend: amsterdam, london top summer destinations, online insurance nightmare: 61% trapped in policies they can't cancel, china introduces visa-free entry for cruise tourists: what you must know, planning destination wedding abu dhabi to offer visa support to indians, watch: sitharaman's viral reply on broker's tough question on tax burden.

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First Published: May 17 2024 | 2:16 PM IST

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Travel Insurance in Australia: How to Get It and Why

Featured image by your label.

The world is a vast and varied place, and we are lucky if we get a chance to explore it. Yet nothing can ever be perfect, and international travel is not without its frustrations, dangers, and annoyances. Apart from having a large helping of common sense and a sixth sense when things don’t seem right, what else can we do, as responsible travelers, to protect ourselves on our overseas adventures? The answer, of course, in Australia as elsewhere, is travel insurance.

Few things are more exciting or life-changing than the opportunity to travel this glorious planet and experience its delights and marvels. From the cultural highs of witnessing historical traditions to the palate-tingling range of cuisines, you are sure to experience thrilling sights and amazing scenery that you will not easily forget.

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Travel Insurance in Australia

Obtaining travel insurance in Australia before setting off on any overseas trip is an essential step. Luckily, the regulations surrounding the industry prevent sneaky tactics and misleading factors from taking hold. Therefore, it is relatively straightforward and affordable to avail yourself of comprehensive travel insurance in Australia.

But what features of the policy should you focus on? Are there mitigating factors you must consider or discuss with your chosen provider before purchasing a policy? First, let’s look at what are likely the non-negotiable coverages any travel insurance in Australia must offer.

Fundamental Elements of Decent Travel Insurance in Australia

Medical emergencies and other treatments.

This is the most crucial item on the list, making all others seem meaningless by comparison. Nothing is more important than your health. Moreover, without comprehensive travel insurance in Australia, you risk losing access to the best treatment available. It simply is not worth the risk to travel internationally without it. What’s more, the consequences of doing so don’t even bear thinking about.

Cancellations Covered by Travel Insurance in Australia

Whether you’re traveling to a critical business conference or gets cancelled or heading to see your favorite singer who suddenly can’t perform because of illness, comprehensive travel insurance in Australia has you covered. If the cancellation is outside your control, and you have incurred costs directly, you should have no problem getting a reimbursement.

Loss of Luggage and Personal Belongings Covered by Travel Insurance in Australia

The worry of losing your belongings when your flight lands has changed little over the years, except to say that international standards have risen dramatically. The chances are extremely high that you will breathe that sigh of relief as you see your luggage drop onto the carousel at the airport. In other words, everything will be fine. If it isn’t, and you were smart enough to avail yourself of travel insurance in Australia, the loss will only be a temporary one.

Decent policies will even cover you for replacing your lost items at the new location. Therefore, if you packed your business suit and were expecting to wear it for an important meeting, you won’t have to show up in your pajamas.

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Additional Expenses

This is a rather vague catch-all phrase that applies in specific situations where you have been affected financially and incurred unwanted costs. Examples might be additional nights you spend in hotels when your schedules changed unexpectedly. (However, this will not apply if you choose to change your schedule yourself.) This will probably require a more in-depth conversation with your insurance provider. You will need to determine precisely what they will and will not cover.

Credit Card Fraud Covered by Travel Insurance in Australia

Most credit card providers will protect you if you are a victim of fraud. But sometimes, travel insurance from Australia will give you another layer of protection if necessary.

Personal Liability and Excess on Rental Vehicles

The dreaded fine print on any rental agreement is long and meticulous. With comprehensive travel insurance from Australia, you will likely have coverage against any excesses you incur that significantly boost your personal liability or diminish third-party capabilities.

Flight Cancellations and Delays

Tight schedules can sometimes be affected by unavoidable changes and cancellations on the part of the airline. What’s more, the airline might also be powerless to influence the decision. A Zen attitude and decent travel insurance from Australia are sure ways to ease the tension and get through the frustration.

Lost Income

Again, this phrase needs to be clarified with your insurance provider and the exact details worked out. But if any of the situations you find yourself encountering unexpectedly result in a loss of income for you, you should be able to get that money back from your provider.

Final Thoughts

The bottom line with travel insurance in Australia is that you need it to mitigate the risks of international travel. Give yourself the best support possible if things go awry. Neglecting something like travel insurance is easy, but unfortunately the consequences can be dire. The peace of mind that comes from knowing you have a professional company with the resources to assist when you need it is worth both the effort and the price of the premium.

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New Caledonia

Political unrest has escalated this week, with political demonstrations and protests occurring in New Caledonia and a state of emergency being declared in New Caledonia on Wednesday 15 May 2024. A curfew is in place for the Noumea metropolitan area between 6PM and 6AM and local authorities have advised to strictly limit movement throughout the day.

The La Tontouta International Airport has closed and flights have been cancelled until at least Friday 17 May 2024.

The Australian Government have now raised their warning level to 'Exercise a high degree of caution' in New Caledonia overall due to protests and travel disruptions and 'Reconsider your need to travel' in metropolitan Noumea and the RT1 road to La Tontouta Airport due to civil unrest, travel disruptions and limited essential services.

Are you overseas and need emergency help? If you need emergency help, contact our Emergency Assistance team.

• Phone: +61 2 8320 7999
• E-mail: [email protected]

The Australian Government also offers 24-Hour Consular Assistance for travellers overseas:

• Phone: +61 2 6261 3305
• SMS: +61 421 269 080
• 1300 409 322 Australian Based Call Centre

Political Unrest in New Caledonia

Important travel insurance information for Fast Cover travellers about these events, issued at 4:00pm on the 16/05/2024.

• Travel Alerts
• Political Unrest in New Caledonia 16 May 2024

Political unrest has escalated this week, with political demonstrations and protests occurring in New Caledonia and a state of emergency being declared in New Caledonia on Wednesday, 15 May 2024. A curfew is in place for the Noumea metropolitan area between 6PM and 6AM and local authorities have advised to strictly limit movement throughout the day.

The Australian Government have now raised their warning level to ‘Exercise a high degree of caution' in New Caledonia overall due to protests and travel disruptions and 'Reconsider your need to travel' to in metropolitan Noumea and the RT1 road to La Tontouta Airport due to civil unrest, travel disruptions and limited essential services.

Are you overseas and need emergency help?

If you need emergency help, contact our  Emergency Assistance  team.

• E-mail:   [email protected]

The Australian Government also offers 24-Hour Consular Assistance for travellers overseas.

Information about your policy

The below information was issued on 16 May 2024 and applies to your travel insurance policy with Fast Cover, underwritten by Certain Underwriters at Lloyds. 

As per our current  Product Disclosure Statement  one of the General Exclusions (General Exclusion 16) on our policies provides as follows:

"to the extent permissibly by law we will not pay under any circumstances if: 

16. Your claim arises from any act of war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power. "

Select from the options below to find information for your current situation.  

I’m already travelling.

• Should you need medical advice or emergency medical assistance , please contact DFAT or alternatively you can also contact our   24/7 Emergency Assistance Team .
• Please follow the advice from local authorities and media.
• If your trip has been disrupted, we recommend  getting in touch with your travel agent, airline, accommodation provider etc. They might offer you the flexibility to modify your travel arrangements without any additional costs, or even the possibility of a refund.  

In the event of a claim, we will assess each claim on a case by case basis as everyone’s situation is different. Refer to the PDS  for full terms, conditions, exclusions and limits that apply.

I purchased travel insurance before this event occurred, but haven’t left home yet

• We recommend   getting in touch with   your travel agent, airline, accommodation provider etc. They might offer you the flexibility to   modify   your travel arrangements without any   additional   costs, or even the possibility of a refund.  
• You can contact us via email  [email protected]  or call us on  1300 409 322  to discuss your options with regards to your policy. 

In the event of a claim, we will assess each claim on a case by case basis as everyone’s situation is different. Refer to the PDS   for full terms, conditions, exclusions and limits that apply.

I purchased travel insurance after this event occured OR I haven’t purchased travel insurance yet

There is no cover under your policy in this situation.    

Exclusions in our PDS that may apply to your situation

As per our current    Product Disclosure Statement , some of the General Exclusions (General Exclusion s 4, 16 and 41) on our policies provide as follows:    

" to the extent permissible by law, we will not pay under any circumstances if:      

4. Your claim arises from you being aware at the time of purchasing the policy of something that would give rise to you making a claim under this policy.  

16. Your claim arises from any act of war, invasion, acts of foreign enemies,   hostilities   or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising,   military   or usurped power.

41.Your claim arises from an event where a Travel Alert for that event was issued by us prior to the issue of your certificate of insurance. Events include (but is not limited to): strike, riot, hijack, civil protest, severe weather, natural disaster or contagious disease.”  

Why we do not provide cover in this situation

Insurance does not cover losses caused by something you were aware of when you purchased your policy. For example, this would be like trying to purchase car insurance   after   being involved in an accident.

Therefore, we will NOT pay any claim caused by or in any way related to this event if your policy was purchased after the above time and date.

Please note

1.  If you have not purchased travel insurance yet, you are still able to, but you need to be aware the policy does not provide cover for any claims related to the event.

2. If you want to change or reschedule your trip, we suggest contacting your travel agent or travel provider (hotel, airline, cruise company, tour company etc) directly for assistance. They may offer to change your trip free of charge or for a small fee.

What can I claim for?

As per our current     Product Disclosure Statement   one of the General Exclusions (General Exclusion 16) on our policies provides as follows:

"to the extent permissibly by law we will not pay under any circumstances if: 

16. Your claim arises from any act of war, invasion, acts of foreign enemies,   hostilities   or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising,   military   or usurped power."

We recommend getting in touch with your travel agent, airline, accommodation provider etc. They might offer you the flexibility to modify your travel arrangements without any additional costs, or even the possibility of a refund.

How do I make a claim?

If you need to make a claim, you can submit your claim online.  Visit our  Claims   page for information.

As everyone's situation is different, we will assess each claim on a case by case basis, and in accordance with the   PDS   and your Certificate of Insurance. Cover will depend on the type of policy you purchased and your particular circumstances.

Remember to:

• Take reasonable steps to minimise your claim. Contact your airline or travel provider for assistance if you need to rearrange your travel plans.
• Keep your receipts and any other supporting documentation e.g. travel provider cancellation letters. If you are claiming for additional meal, accommodation, and travel costs, please ensure you retain copies of all of your expense receipts.
• T ake measures to act in a responsible way to protect yourself and do everything you can to   reasonably reduce   your loss as much as possible.

General Advice

For details about what your policy covers, please refer to your PDS . Policy terms, conditions, limits, sub limits and  exclusions  may apply under your policy.

We will assess all claims in accordance with your  PDS  and your Certificate of Insurance. Your cover will depend on the type of plan you purchased and your particular circumstances.

Question or enquiries?

If you have any questions or need help with your policy or have a new or existing Claim , please:

• Visit:   Frequently Asked Questions
• Phone: 1300 409 302  (9am and 5pm (AEST) Monday to Friday excluding Public Holidays)
• Email:  [email protected]

Useful Links for Travellers

• Australian Government 24 Hour Consular Assistance
• Smartraveller  (Download the   Smartraveller App  for regular updates)

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^ 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 .