Compare Cruise Travel Insurance Policies Offering Additional Cover

Posted November 15th, 2013 and last modified December 22nd, 2014

Find Affordable Cruise Travel Insurance with the Bonus Cover You Require for Your Trip

Cruise Ship

Cruise travel insurance offers additional cover for a range of cruise related losses including missed cruise departure, cancelled shore excursions, cruise delays and emergency medical transportation. Many people don't realise that they won't actually be covered by Medicare or private health cover for any medical expenses if out at sea cruising between two domestic ports. With the cost of receiving treatment on board as much as $5,000, the costs can stack up extremely quickly!

If you are ready to receive a quote for cruise travel insurance, enter your trip details in the form below to compare policies from some of Australia's leading travel insurers. If you would like to learn more about Cruise Travel Insurance and what to look for in a policy, carry on reading our comprehensive guide.

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What Cover Does Cruise Travel Insurance Provide?

  • Medical expenses. Accidents do happen, and dealing with a medical emergency when you’re a long way from a hospital can be a nightmare. Cruise travel insurance covers expensive medical expenses that are incurred while on the ship or at a land-based medical facility.
  • Emergency evacuation. If you’re struck down by a serious illness or injury while travelling, for example a heart attack or stroke, your cruise travel insurance policy will cover medical evacuation by road or air to the nearest appropriate medical facility, which could even include transport back home to Australia.
  • Missed cruise departure. Provides cover for additional expenses incurred if you miss your cruise.
  • Shore excursions cancellations. Provides reimbursements for shore excursions that are cancelled/interrupted by the cruise liner.
  • Cruise delays. Provides cover for delays if your commencing or returning journey has been delayed for unforeseen reasons.
  • Missed port cover. Provides cover if your port call is cancelled due to bad weather or restrictions to the cruise timetable.
  • Cabin Confinement Cover. Provides a daily allowance (usually between $50 - $100) if you are confined to your cabin for medical reasons.
  • Trip interruption. What happens if you’re halfway into your cruise around the South Pacific when the ship develops a critical mechanical problem and the trip is cancelled? Cruise travel insurance covers you in situations like these and you’ll be able to recoup your out-of-pocket expenses.
  • Trip delay. Maybe you’re in a car accident on the way to the port, or perhaps your flight is delayed and you end up missing the ship. Travel insurance covers these sort of unfortunate delays and issues.
  • Trip cancellation. As mentioned above, if something happens and you are forced to cancel your holiday before it even begins — things like illness, accidents and job loss — travel insurance can cover your non-refundable trip costs so you don’t end up out of pocket.
  • Baggage delay/loss. What happens if an airline misplaces or loses your luggage, leaving you to board the ship with only the clothes on your back? Travel insurance can make sure your bags make it to the next port, or cover the loss if your bags are gone for good.
  • Financial default. If one of the travel providers you’ve booked your holiday through goes bankrupt, some policies will cover you. Make sure to read the fine print; don’t simply assume this feature will be included in your policy.
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What is Generally Excluded on Cruise Travel Insurance Policies?

When shopping for cruise travel insurance, it’s vital that you read the fine print first to make sure you know exactly what your coverage entails. You don’t want to find yourself stuck overseas somewhere trying to deal with an unforeseen problem, only to get the nasty surprise that your insurance policy will leave you high and dry. The following are generally not covered by cruise travel insurance policies:

  • Irresponsible behaviour. Don’t expect the insurance company to come to your rescue if you’ve done something reckless while under the influence of alcohol or left your baggage unattended. The same applies to problems resulting from illegal behaviour.
  • Weather. Inclement weather (ie, your meant-to-be-sunny Mediterranean cruise hampered by a week of rain and drizzle) is not covered by travel insurance, but coverage may be available if your trip is impacted by a cyclone.
  • Adventure activities. If you want to indulge in high-octane pursuits like BASE jumping, skydiving and hang gliding, feel free — just be aware that most policies don’t cover these activities.
  • Pre-existing medical conditions. These may be excluded, unless you’ve made a specific arrangement with the insurer.
  • Others. Acts of civil unrest, acts of war or acts of terrorism that disrupt your holiday will usually not be covered by travel insurance policies.

As always, shop around to make sure you’re getting the best type of coverage for your situation and the holiday you’re planning.

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Do I Need Travel Insurance for Cruises?

When the Carnival Triumph lost power and was stranded at sea for several days in early 2013, it ruined the holidays of many, and also quite clearly demonstrated how holidays don’t always run smoothly. Unforeseen problems can and often do arise, and investing in travel insurance can stop those problems from ruining your holiday.

Cruise travel insurance is designed specifically with cruise holidays in mind, offering tailored coverage for this type of holiday. It offers you security against the unexpected, protection against the possibility of losing the money spent on your holiday and, perhaps most importantly of all, peace of mind.

Cruise travel insurance typically includes features such as financial reimbursement for trip cancellation or interruption, medical insurance and medical evacuation if you fall ill or are injured on the trip, and coverage for lost baggage.

Cover for unexpected medical events

      Large cruise liners have their own medical centres and medical treatment given on board is private, so you can expect to be charged as such. If the condition is too serious to be treated on board or wherever you may be, cruise travel insurance can also cover the cost of emergency evacuation. Some policies will also provide a daily allowance if you are confined to your cabin for medical reasons by a medical officer.

Cover for unexpected cancellations

Alternatively, what would happen if, for example, you had already booked and paid for your cruise holiday but then discovered you wouldn’t be able to travel due to health issues? Some companies refuse to offer full refunds once the trip has been booked and paid for, and without travel insurance you’d have little chance of seeing your money again. Could you afford to simply wave goodbye to a big chunk of cash for a holiday you never got to enjoy. In addition, some insurers will provide reimbursements for shore excursions that are cancelled by the cruise liner.

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Benefits and Drawbacks of Cruise Travel Insurance


      • Spending a little extra when booking can save you a lot of money (and stress) in the long run.
      • Things can and quite often do go wrong on holidays, and cruise travel insurance can protect you against unforeseen problems. Whether it’s a missed connection, lost baggage or even an emergency medical situation, travel insurance can come in very handy.
      • You’re safeguarded against financial loss. Travel insurance can help you recoup non-refundable trip costs when you’re forced to cancel your holiday.
      • Some policies will include cover for your children as well.
      • Some cruise companies will not even allow you to travel without having travel insurance for the entire length of your holiday. Not only is cruise travel insurance a wise investment, it’s also a necessary one.


      • Some policies include limits on valuables, so if your expensive laptop or tablet gets stolen while travelling, you might not be fully reimbursed for those items.
      • Keep an eye out for exclusions. Most travel policies will not cover you in certain situations, for example if you’re behaving recklessly or participating in adventure activities, so make sure you know exactly what your policy includes.
      • Travel insurance will not cover changes to your trip itinerary.
      • When examining the premium and excess you will have to pay, make sure the amount you are paying reflects the quality of the cover.
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How Much Does Cruise Travel Insurance Cost?

It’s not possible to put an average price on cruise travel insurance because the amount each person pays is influenced by a wide range of factors:

      • Your age
      • The destination you are travelling to
      • Any pre-existing medical conditions you may have
      • The duration of your trip
      • The type of policy and features chosen. Policy add-ons and features like upgraded coverage limits can affect the price.
      • The number of people covered under the policy
      • The total cost of your trip
      • The activities you will be participating in while travelling

It pays to shop around to find the right policy and the best deal for you, but don’t simply be sucked in by the provider offering the cheapest price. Make sure you know exactly what your policy covers so you don’t end up with a nasty surprise later on that will completely ruin your holiday.

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Tips to Compare Cruise Travel Insurance and Buy Quality Cover

      • Buy direct from the insurer. It’s no secret that travel agents get big commissions from insurers for selling their policies, so cut out the middle man and go direct to the insurer. Head online to find the right cruise travel insurance policy for you.
      • Read the fine print. Yes, it may be boring to the point of being physically painful, but take the time to read the Product Disclosure Statement thoroughly. Don’t be sucked in by the marketing slogans and flashy websites; read the policy booklet well and examine what is covered. You’ll likely be visiting multiple countries on a cruise, so check your policy will cover you at every destination.
      • Check the exclusions. “But I didn’t know it wasn’t covered” is an excuse that won’t fly with your insurer. If you’re an adventure junkie, does your policy cover things like skydiving and bungee jumping? If you’re planning on hiring a scooter or a motorbike at one of the ports you stop at, will this be included in your coverage? Also make sure to check the medical coverage closely when determining what is excluded from your policy. Sort this out first and you won’t get caught out later.
      • Medical expenses. Look for a policy with a high coverage limit on your medical care. You want to make sure your hospital bills are covered so you can get the best possible care. It also makes sense to look for a policy that covers emergency evacuation.
      • Plan ahead. It’s impossible to predict the future, but if you’re travelling to a notoriously unstable country or one perhaps famous for its volcanoes, check each policy to see what exclusions would apply in possible scenarios.
      • Read reviews and compare. Hit the online forums to see what other people have to say about their experiences with cruise travel insurance. Read product reviews and utilise comparison websites like
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Cruise Travel Insurance F.A.Qs

Q. Do I really need cruise travel insurance?

A. Yes. The old saying that “if you can’t afford travel insurance, you can’t afford to travel” is more than just a cliché. Travel insurance will save you money, time and a whole lot of stress should your best-laid holiday plans fall apart, and cruise travel insurance is specifically tailored to cover common problems that may occur on cruising holidays.

Q. What sorts of things does cruise travel insurance cover?

A. Cruise travel insurance policies will typically cover things like:

      • Your medical expenses if you fall ill or are injured while travelling
      • Emergency evacuation if you need to be transported to hospital
      • Trip interruption and delay due to things like missed connecting flights
      • Trip cancellation due to factors like illness or job loss
      • Baggage delay and/or loss

Q. What if I have specialist needs?

A. The best thing to do is to read the fine print and speak to your insurer. Some policies won’t cover things like adventure activities or if you are pregnant, so you may need to look into adding additional coverage to make sure you’re protected.

Q. When should I buy cruise travel insurance?

A. Your best bet is to take out cover as soon as you have booked and paid for your trip, or at least forked out for a deposit. This way you are covered if you are forced to cancel the trip of if your travel company or airline goes broke, allowing you to recoup your prepaid costs and deposits.

Q. How do I make a claim?

A. This will usually involve filling out a claim form. Speak to your insurance provider about where to get a copy of the form — it is usually available through the provider’s website.

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Looking to Apply for Cruise Travel Insurance?

If you are gearing up for your next cruise holiday and are not quite sure what policy to apply for, you can compare policies from the providers featured in the table above and receive a preliminary quote. Once you have found a policy suitable for your situation and are happy with the price, you can purchase your cover securely online in a matter of minutes. Before rushing to your wallet to hand over your card details, recommends you take the time to read through the product disclosure statement to ensure you are happy the policies terms and conditions.

Compare quotes for cruise travel insurance

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Read more on this topic

  • Cheap Cruise Insurance

    Why would you need travel insurance for an ocean cruise? What could possibly go wrong on a ship of that size? If you’ve ever asked yourself that question, this guide will show you the other side of the cruising coin and why cheap cruise insurance is such an important thing to have.

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12 Responses to Compare Cruise Travel Insurance Policies Offering Additional Cover

  1. Default Gravatar
    kenneth | December 15, 2014


    I will be flying to Sydney to join a 35 day cruise to Hawaii and return Sydney and back to nz in April.

    I have a pre-existing medical condition CABG operation 1994 Their is no form to fill in re this online I notice what else do I need to find this info for a quote

    • Staff
      Richard | December 15, 2014

      Hi Kenneth,

      Thanks for your question. Unfortunately, is a comparison website and not an insurer. Each insurer differs on pre-existing cover. You will need to contact each insurer directly and ask them whether or not they’ll provide cover.

      I hope this was helpful,

  2. Default Gravatar
    rob | December 11, 2014

    cruising singapore to brisbane after 3 night in s/pore
    what do i apply for world wide – asia ????

    • Staff
      Richard | December 12, 2014

      Hi Rob,

      Thanks for your question. The type of policy you need to purchase depends on the region as defined by the insurer. Please use the comparison to find an compare appropriate policies from our panel providers.

      I hope this was helpful,

  3. Default Gravatar
    Jerome | November 23, 2014

    We’re going on a cruise next year – Honolulu to Sydney. We plan on spending 3 days in Honolulu before the cruise. Does cruise insurance cover just the actual cruise or will it also cover these 3 extra days?

    • Staff
      Richard | November 24, 2014

      Hi Jerome,

      Thanks for your question. Cruise travel insurance policy may differ between providers but generally, yes, you will be covered for when you go ashore.

      I hope this was helpful,

  4. Default Gravatar
    shirley | November 4, 2014

    do Worldcare travel insurance cover Cruises

    • Staff
      Richard | November 4, 2014

      Hi Shirley,

      Thanks for your question. Worldcare Travel Insurance do provide cruise but you need to check the correct region. Please have a look at the policy options provided by Worldcare:
      Worldcare Travel Insurance.
      I hope that this was helpful,

  5. Default Gravatar
    Glenys | April 2, 2014


    My husband takes warfarin and the notes say the doctor’s letter must be dated 21 days or less prior to travel. We are travelling 27/6 but need to get the insurance organised preferably sooner rather than later. I am not a member yet but I hope to be soon. He is fit to travel and we don’t take any risks.

    • Staff
      Shirley | April 3, 2014

      Hi Glenys,

      Thanks for your question.

      For any direct enquiries related to Cruise Travel INsurance, please contact them directly as we don’t handle the applications ourselves.


  6. Default Gravatar
    su | February 3, 2014

    Do I need domestic or international travel insurance for a cruise to Moreton Island

    • Staff
      Marc | February 4, 2014

      Hello Su,
      thanks for the question.

      Moreton Island is part of the City of Brisbane, so this would require domestic travel insurance.


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