Cruise Travel Insurance

Avoid financial disaster at sea with cruise ship insurance for international or domestic trips

Cruise travel insurance policies may offer additional cover for a range of cruise related losses including missed cruise departure, cancelled shore excursions, cruise delays and emergency medical transportation.

Am I covered for medical losses in Australian waters? According to the department of foreign affairs and trade, you will only be covered by medicare if travelling between two domestic ports with no intermediate stops outside of Australia and there is a Medicare-registered doctor on board. Note this IS NOT a requirement of cruise liners so you still risk being severely out of pocket if you suffer serious illness or injury. With the cost of receiving treatment on board as much as $5,000, the bill for a medical event can stack up extremely quickly!

Most insurers will require you to take out international cover for you to be covered for medical losses while out at sea. Depending on provider you choose, you may be required to select cruise insurance as an additional option. If travelling around Australia it is generally safest to choose the Pacific policy.

  • Keep reading to learn more of the benefits of cruise travel insurance and what to look for in a policy or compare different cruise policy options in the table below.

Travel insurance companies that cover cruise trips

InsureandGoYesPolicy with tailored cruise cover extension availableGet quoteMore info
Go InsuranceYesPolicy with tailored cruise cover extension availableGet quoteMore info
1CoverYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
AIGYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
AMEX Travel InsuranceYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
Budget Direct Travel InsuranceYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
Check-In Travel InsuranceYesCovered provided correct destination is selected. For cruises only to Australian ports, you must specify "Australia Cruise" as your destination.Get quoteMore info
Citibank Travel InsuranceYesCovered provided correct destination is selected.Get quoteMore info
DownunderYesCovered provided correct destination is selected. Plans A, C, H for cruises within Australian Waters.Get quoteMore info
Columbus DirectYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
CoverMoreYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
Easy Travel InsuranceYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
Fast CoverYesTravellers are required to purchase additional cover to be covered for cruise travelGet quoteMore info
iTrekYesCovered provided correct destination is selected.Get quoteMore info
MultiTripYesCovered provided correct destination is selected. For cruise in Australian waters, international cover must be selected for medical cover.Get quoteMore info
Simply Travel InsuranceYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
Southern CrossYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
STA LogoYesCovered provided correct destination is selected. For cruises in Australian waters, travellers should select international cover to be covered for medical expenses.Get quoteMore info
Tick Travel InsuranceYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
Travel Insurance DirectYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
Travel Insurance SaverYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
Travel InsuranzYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
Virgin MoneyYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
Woolworths-logoYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
Worldcare Travel InsuranceYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
youGoYesCovered automatically under international policy provided correct destination selectedGet quoteMore info
ZujiYesCovered automatically under international policy provided correct destination selected.Get quoteMore info

Provider Product Product Details Apply
InsureandGo Cruise Travel Insurance

Missed cruise departure cover up to $50,000

Unlimited medical cover including emergencies

Up to $8,000 in personal belongings and lost luggage cover

Up to $3,000 for resumption of journey

Get quoteMore info
Go Insurance Cruise Travel Insurance

$2,500 Pre-Paid Excursions Cover

$500 Missed Shore Visits

$2,000 Missed Port Connection

$2,500 Cabin Confinement

Get quoteMore info

But I'm only taking a short trip and staying in Australian waters?

As mentioned earlier, even if you are only taking a trip for say 2-3 days and staying in Australian waters, you will only be covered by Medicare for medical losses that occur while cruising between ports if there is a Medicare-eligible doctor on board. An international policy under the pacific region should cover you for these losses.

Please note that InsureandGo now offers a Domestic Cruise Travel Insurance Policy that will cover you for medical losses that occur while at sea in Australian waters. You will not be covered for any medical losses that occur while at port in Australia (this will be covered by Medicare of your private health insurance).

So what region do I choose if taking a cruise in Australian waters and am not covered under a domestic policy for medical losses?

Most providers will offer the Pacific Region - this will usually include New Zealand, Bali, South West Pacific & Norfolk Region. If you spend longer than the specific period of time outside of Australian waters, you will need to select the cover option that gives you the right cover.

Learn more about Domestic Cruise Travel Insurance

Why is it worth getting?

Any holiday can bring with it unforeseen losses but cruise holidays particularly bring to surface some expensive reasons to take out cover. Consider these points:

  • Medical expenses incurred on cruises can be extremely expensive - The price of receiving treatment in a medical facility while on a cruise can be extremely high, often up to $5,000 a day
  • What if you suffer an emergency at sea - If you suffer a severe medical condition at sea and need to be evacuated to a medical facility, the bill may end up in the hundreds of thousands of dollars
  • Cruise holidays can be subject to cancellations - Travelling at sea can mean that you are subject to unexpected changes to itinerary if the weather turns ugly. Cruise travel cover can ensure you are reimbursed for any cancellations.
  • What if you miss the boat? - Missed planes, bad traffic and bad weather among other events may lead to you being late to the port. Ensure you are covered if you have to cancel your cruise or you miss the departure.
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So what does it cover?

Features will vary between travel insurance providers so it is critical you know exactly what you will be covered for. Most international travel insurance policies that cover cruise trips will provide the same level of cover for medical, baggage, cancellation losses. It is possible to find policies that will provide specific cover for cruise related losses including;

  • Medical expenses if you become sick or injured. 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 to a land-based medical facility. 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.
  • If you miss your cruise. Provides cover for additional expenses incurred if you miss your cruise.
  • If shore excursions are cancelled. Provides reimbursements for shore excursions that are cancelled/interrupted by the cruise liner.
  • If your cruise is delayed. Provides cover for delays if your commencing or returning journey has been delayed for unforeseen reasons.
  • Your confined to your cabin. Provides a daily allowance (usually between $50 - $100) if you are confined to your cabin for medical reasons.
  • Your trip is interrupted. 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.
  • You miss your cruise. 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.
  • You need to cancel your trip. 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.
  • Your baggage is lost or delayed. 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.
  • Your cruise liner goes bankrupt. 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 won't my cruise policy cover?

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:

  • Incidents related to drugs or alcohol. 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.
  • Claims while docked in an Australian port. Some providers will not cover you for incident's that have occurred while you have been booked in an Australian port for more than 48 hours.
  • Claims in countries advised against travel. Most providers will exclude claims that have occurred in countries that have had travel warnings issued by the Department of Foreign Affairs and Trade.
  • Certain 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. Always best to check your policy to see exactly what activities you are covered for.
  • Certain pre-existing medical conditions. These may be excluded, unless you’ve made a specific arrangement with the insurer. See the list below for conditions that won't usually be automatically covered.
  • Other common exclusions. 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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Can I get cruise travel insurance for pre-existing medical conditions?

Like when taking out travel insurance for any trip, you will need to let your insurer know of any pre-existing conditions that you have. If you have a medical condition it may;

  • Be covered automatically
  • Require you to provide more information to the insurer about the condition
  • Result in you paying a higher premium to get cover
  • Be excluded from your policy

How your condition is treated may vary between insurers so always read the PDS and call your insurer if you are not sure.

What is a Pre-Existing Medical Condition?

  • Ongoing medical or dental condition that you are aware of or are aware of the symptoms
  • Medical or dental condition currently being treated
  • Conditions that you take prescribed medication for
  • Condition that you have undertaken surgery for
  • Condition that has required you to see a medical specialist
  • Pregnancy

What Conditions Generally Won’t Be Covered?

  • If you have been diagnosed with a terminal illness. In some cases an insurer will stipulate that the policyholder have a prognosis of, for example, more than 24 months to live.
  • If you have AIDS or HIV.
  • If the claim is in relation to a condition for which you sought treatment and were hospitalised or had to be taken into the hospital emergency ward. Again, insurers stipulate a timeframe for whence this had happened.
  • If the condition was symptomatic. This means that you will not be covered if you were aware of symptoms even if you did not go to a doctor, had gone to a doctor who was investigating the illness or, you were awaiting a specialist's opinion,
  • If you have undergone surgery for the condition in a timeframe as specified by your insurer.
  • If you have been diagnosed with, suffer from or received treatment for a cardiovascular condition. These conditions may include: angina, a pacemaker, TIA and congestive heart failure.
  • If you have high cholesterol or high blood pressure in conjunction with diabetes or cardiovascular disease.
  • If you suffer a pulmonary embolism or deep vein thrombosis
  • If you suffer from diabetes and you have been diagnosed in the 12 months prior to travel. If you have Type 1 diabetes and are over the age of 50. You will also not be covered for diabetes related injuries that result in kidney, nerve, eye or vascular complications. You will not be covered if you have diabetes and a cardiovascular disease.
  • If you suffer from a sexually transmitted disease.
  • If you suffer from any type of cancer or secondary cancer.
  • If you suffer from recurring or chronic pain.

Can I get cruise travel insurance if I am pregnant?

Terms and conditions from insurance providers around pregnancy can vary quite extensively so it's important to read the fine print before signing away. There are a number of insurers that will cover women up to 26 weeks pregnant, with a number of insurers offering cover until 32 weeks. If you are expecting, you can still purchase cover after the maximum gestation limit but you will not be covered for losses related to the pregnancy.

Some common exclusions applied for pregnancy include;

  • Complications that arise out of the pregnancy
  • Tip goes longer than the period of pregnancy permitted on policy schedule
  • Childbirth or healthcare of newborn child excluded

Learn more about travel insurance for pregnant women

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Case study: Banged up aboard

Cruise Ship Broken Ankle

Judy was travelling with her partner John on a two month cruise when she slipped down a set of stairs while walking on the cruise deck and broke her ankle. With the closest Australian port with a medical facility more that 2 days travel away, Judy was forced to recover in the cruise ships medical quarters until she was able to be transported off the cruise.

Judy was shocked to find that the daily cost of treatment on the cruise liner was nearly $5,000 a day and being in open waters between domestic ports meant that Judy was not covered under Medicare or Private Health Insurance. Luckily, Judy had taken out travel insurance prior to commencing her journey and was able to be reimbursed for the treatment on the cruise ship and transportation to the nearest medical facility.

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Can I get cover for a cruise if I am an Australian expat working overseas?

Unfortunately, most insurers will require for your trip to start and finish in Australia in order for cover to apply. There are some providers that offer "already overseas travel insurance" but again, most will require for your journey to end in Australia.

If you are an Australian expat currently living overseas and looking to take a cruise that does not start or end in Australia, there are still some options available for you;

  • Find a specialist insurer willing to provide cover even though you are already overseas
  • Take out cover with the cruise ship provider (conditions on providing cover to foreigners may vary between providers
  • Take out cover with a travel insurance provider based in the country you are boarding
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How am I covered for cancellation by the cruise company and travel insurance?

When will the cruise company cover me for cancellation?

All cruise company will have terms and conditions in place around when you will be covered for cancellation. This will vary between insurers but to give you an idea of how this may work, consider the example below from P&O cruises;

Dates prior to departure of cruise ship cancellation is madeCancellation charge applied
181 days or moreFull refund provided
180 - 76 daysDeposit amount charged
75 - 43 days25% of total fare charged
42 - 15 days50% of total fare charged
14 days or less100% of total fare charged

When will travel insurance cover me for cancellation charges from the cruise company?

Conditions will vary between insurers though generally you will be covered if you have to cancel your trip due to;

  • Your own or your relative, business associate or travelling companions unforeseeable death, injury or illness
  • Jury duty
  • Your duty to stay in Australia due to emergency as a member of armed forces, police, fire ambulance or nursing
  • You are made redundant and were unaware you were going to be made redundant when booking your trip
  • You have to stay in Australia due to natural disaster at your home or business on the day you leave
  • Your doctor advises you are unfit to travel due to a medical condition that has surfaced after you have booked your trip

Cancellation due to medical reasons of friend/family

You will not be covered for cancellation due directly or indirectly to medical conditions that affects a close relative or someone travelling with you that is not insured under the policy you knew about before taking out the policy

Bad weather and unexpected circumstances

While conditions will vary between different cruise companies, cruise companies will have a minimum number of guests required for shore excursions and trips may be cancelled if that number is not met. Shore excursions may also be cancelled due to bad wad weather. In this case, a full refund will usually be paid by the cruise company.

What if I decide to cancel my shore excursion?

Again this will vary between insurers but generally if you give 72 hours notice a full refund will be provided by the cruise company. Cancellations within 72 hours may mean that a portion of the charge must still be paid to the cruise company.

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What policy do I need if the cruise stops in multiple destinations?

The region will depend on where you are travelling to on the cruise. You will need to select the appropriate region for your cruise based on the destinations you are travelling to. Selecting the domestic cover option will not be enough as you will not be covered by Medicare or private health care on the cruise ship so international cover will be needed.

  • Worldwide: All destinations (including, Japan, USA, Canada, Africa, and the Middle East)
  • Europe: Europe, Russia and the United Kingdom
  • Asia: Asia (Excluding Russia and Japan)
  • Pacific: New Zealand, Bali, South West Pacific and Norfolk Island

Am I covered for the flights, and accommodation for the days before I leave port?

This will depend on policy you choose and the period of cover you have selected on your insurance. Provided you extend travel cover period for the days before your cruise also, you will be covered for losses that occur prior to your cruise trip commencing that you are eligible to claim for. This may include;

  • Cancellation of connecting flights to the destination that your cruise departs from
  • Cancellation of accommodation booked for nights prior to your cruise departure
  • Loss/theft or damage to your belongings in the period leading up to departure

It's important to note that you will not be covered for any medical losses while still in Australia, this will be covered under medicare or your private health insurance.

The actual cover provided for losses incurred prior to the cruise in Australia, may vary between insurers so it's best to check your PDS before travel to know exactly what you are covered for.

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How much should I pay?

If you are taking a cruise for longer than a weekend, the cost of a basic policy usually falls between 5 and 9% of the cost of the cruise trip. That said, prices vary between providers and will be dependent on a number of different factors including;

      • 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

To get an idea of what you may pay for cover, consider the example quotes for a 10 day cruise from Insureandgo in the table below;

RegionNew Zealand, Pacific and BaliNew Zealand, Pacific and BaliNew Zealand, Pacific and BaliNew Zealand, Pacific and Bali
Trip Duration10 days10 days10 days10 days
Cover TypeComprehensiveComprehensiveBasicBasic
Age of Traveller55755575

 *Prices accurate March 2015 and are subject to change

Learn more about what impacts the cost of travel insurance

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How do I choose between policies?

      • Automatically covered: As mentioned earlier, some providers will offer cruise cover automatically while others will charge an additional premium. Find out exactly what you are covered for and make sure the price matches the quality of cover.
      • Watch out for potential commission charges. It’s no secret that travel agents charge big commissions on top of insurance policies, so it's advisable to 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 excess charges. 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.
      • Know your excess charge. Excess charges can vary greatly between insurers with some providers charging as much as $500 per claim. Know exactly what you will be charged and if there is the option to remove the charge at the beginning of your trip.
      • 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

More Tips on Comparing Travel Insurance Policies

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Purchasing cover

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 do travel insurance companies recognise as a cruise?

A. A cruise is travel on sea, ocean or river by a boat, commercial ship or any other vessel

Q. What happens if the cruise company reschedules my trip?

A. Contact your insurance provider and they can assist you in adjusting the dates of your policy.

Q. What happens if I miss the departure of the cruise?

A. most policies will cover you for missed departure and pay for any necessary additional accommodation and travel expenses if you miss the departure of your cruise for reasons outside of your control.
Q. Am I covered if I loose my luggage or it is stolen before I board the cruise?

A. You will generally be covered for a period of 72 hours for loss of luggage from the time that you leave your residence to the time that you board your cruise. Conditions for when you will be covered may vary between insurers.

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. Will I be covered for scuba diving/snorkelling and other sports on my cruise?

Most travel insurance companies will provide automatic cover for a range of activities including:

  • Waterskiing
  • Swimming
  • Surfing
  • Scuba diving
  • Rowing
  • Jet skiing

Most insurers will not provide automatic cover for open-water sailing. If you plan on doing this on your trip you may be required to take out additional cover.

Q. If my cruise stops in a country for one day, do I need cover for that one country?

Yes, it is best to look at taking out a worldwide policy to ensure you are covered across different regions

Q. Can I get cruise travel insurance for a one way trip?

Yes. There are a number of insurers that offer travel insurance for one way trips where your trip does not finish in Australia. Conditions may vary between insurers so be sure to check the PDS prior to travelling

Q. Do I need cruise travel insurance if I am taking a trip on my own boat?

No. You can take out international single trip or annual multi-trip cover. You will not be covered for the additional losses faced by passengers on commercial vessels.

Q. When should I purchase cover for my cruise trip?

It is best to purchase cover as soon as you make any bookings for your trip. This does not mean that you will pay from the date that you purchase cover, just for the days of your trip

Q. I'm heading away on a long overseas trip...Will I be covered for my cruise?

If you’re heading overseas for an extended period of time, it may be worthwhile checking whether or not you’ll be covered for cruise travel. Many insurers do not cover cruise travel as a standard option on their single or annual multi-trip policies, which is why it’s important to check before you head overseas.

Find out more about travel insurance for extended stays overseas

Cruise travel Insurance claims - What to do if you have an emergency on board or on shore?

Q. What do I do if I get sick or injured on board?

A. Notify a member of crew immediately and receive appropriate medical attention via the cruise ships medical facility. If necessary, you may be transported to the nearest land-based medical facility. It is best to contact your insurer as soon as possible to let them know about your condition and find out exactly what evidence they may require in order for your claim to be approved. It is likely you will be required to obtain documentation from a representative of the crew.

Most insurers will cover you for costs incurred while you are confined to the cruises medical facility and/or your cabin while you reach the nearest port.

Q. What if my condition means that I have to be repatriated?

A. Again, most insurers will cover you for medical repatriation from your cruise ship if necessary. If possible, contact your insurer of your situation and try to find out what information they will require from you for your claim to be successful.

Q. Will I be paid for additional costs if my condition requires me to be confined to my cabin?

A. If the nature of your injury/illness means that you are confined to your cabin for a number of days, most insurers will cover the necessary additional costs to a maximum daily limit.

Q. How do I actually make a claim?

  1. Contact your insurer - either by phone, email or online chat
  2. Obtain a claim form from insurers website
  3. Complete claim form and return either online or by mail with any necessary documentation
  4. Provide any additional information insurer may require to verify your claim
  5. Await for response from insurer
  • Most insurers will require you to submit your claim within a certain period of having returned home - usually about 30 days
  • It's worth checking with your insurer to find out exactly what information may be required in the event of a claim
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Handy cruise travel tips

  • Find out what region your cruise will be heading to
  • Compare different policy options and make sure the price matches the cover provided
  • Get a clear understanding of the schedule of your ship - know when you will be departing so you don't get left behind at port!
  • Know the ships emergency procedures
  • Give yourself plenty of time to get to the departure terminal
  • Register your trip with SmartTraveller
  • Let someone back home know about your travel plans
  • Print out a copy of your itineracy and policy document
  • Make sure you cover any expensive items in your insurance policy
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Who can apply for cover? Maximum age?

How old can I be to take out cruise cover? Can I get cover if I am over 65?

Age limits may vary between providers but generally cover is available to anyone up to 100 years of age. That said, travellers over the age of 50 will usually be required to pay a higher premium in order to take out cover.

Travellers over the age of 70 will usually be required to complete a manual pre-existing medical condition form for their insurance provider before being approved for cover.

Applicants must be over the age of 18 to purchase cover. If you are under the age of 18, your guardian may be able to purchase cover on your behalf.

Can I take out cover if I am already overseas?

Some Australian insurers will offer cover for Australian’s that are already travelling overseas. There are some key points to be aware of if you are considering this option;

  • Some (not all) providers will require your trip to end in Australia
  • There is usually a waiting period applied for claims related to injury or illness. This is usually around 5 days
  • Excess may not be able to be removed
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Need to find a cruise before you find insurance? Here are some worth considering

P & O Cruises

P & O have long been a popular cruise line in Australia and today they average around 100,000 passengers a year on their Pacific Island cruises. Their fleet consists of the Pacific Dawn, based in Brisbane, the Pacific Jewel, based in Sydney and the Pacific Pearl, which cruises between Sydney and Auckland NZ.

P&O Cruises Australia is part of Carnival Corporation, one of the world's biggest vacation companies. Operating for more than 80 years now, P & O’s destinations include Australia, New Zealand, the Pacific Islands, Papua New Guinea and Asia.

Princess Cruises

Sister line to P & O Cruises, Princess Cruises is the third largest cruise line in the world, carrying 1.7 million passengers a year to destinations around the globe. They have two ships based in Australia, the Dawn Princess and Sun Princess, both of which offer cruises around Australia and to Tasmania, New Zealand and the Pacific Islands.

An innovator in cruising, Princess pioneered the concept of the affordable balcony and today their 18-ship fleet boasts one of the highest percentages of balcony cabins in the industry. Princess Cruises sail to six different continents and their destinations include Australia, the Caribbean, Alaska, Panama Canal, Europe, Mexico, South America, Canada, Hawaii, Tahiti, Asia, India and Africa.

Cunard Line

With their famed White Star Service, Cunard stands for everything that is elegant and refined about cruising the high seas. Their three luxuriously appointed liners, the Queen Elizabeth, the Queen Mary 2 and the Queen Victoria, all offer first class facilities and the widest range of entertainment and leisure options of any cruise company.

As well as Australasia and the Pacific Islands, Australians can cruise to a variety of exotic destinations with Cunard, including Hawaii, America, Canada, the British Isles, North West Europe, the Baltic, Scandinavia, Iceland, Canary Islands, the Caribbean, Mediterranean, Africa and the Far East.


The world’s largest cruise company, Carnival is known as ‘the fun ship’ for good reason, with all 24 of their luxury liners offering continuous day and night entertainment including stage shows, musical performances, casinos and more. And they cruise to a range of fun destinations including the Bahamas, Caribbean, Europe, Mexican Riviera, Alaska, Hawaii, Canada, New England and Bermuda.

Carnival has two ships in their Pacific fleet, the Carnival Spirit which departs from Sydney and the Carnival Legend, which departs from Honolulu and both cruise to Australia, New Zealand and the Pacific Islands.

Windstar Cruises

Voted World’s Best Small Ship Cruise Line, Windstar Cruises offers a unique way to cruise the world. Their fleet of small luxury cruise ships (each carrying 310 passengers or less) offers an intimate yacht-style cruising experience, visiting small and exotic ports throughout Europe, the South Pacific, the Caribbean and Central America.

With three recently renovated all-suite sailing yachts joining their fleet, Star Pride, Star Breeze and Star Legend, Windstar has effectively doubled the size of their fleet and the additional capacity has opened up new itineraries to exotic destinations like Southeast Asia, Arabia and Iceland.

Royal Caribbean

Despite its name, Royal Caribbean sails to a surprising number of destinations other than the Caribbean, cruising to 72 different countries on 6 different continents. Renowned for their shipboard innovations, the Royal Caribbean fleet boasts a range of unique onboard attractions including surf simulators, rock climbing walls, zip lines and ice skating rinks.

Royal Caribbean has 25 ships in seven classes travelling to 233 different destinations, including Alaska, Canada, Europe, Mexico, Hawaii, The Caribbean, Bermuda and the Bahamas. They also offer 12 and 14-night cruises to Australia, New Zealand and the Pacific Islands, with ports of call including Sydney, Melbourne, Wellington, Christchurch and Hobart.

Celebrity Cruises

With a fleet of seven luxury liners, Celebrity Cruises is known for its commitment to combining classic, elegant cruising with modern day luxury. Having spent nearly $200 million refurbishing their fleet, a Celebrity cruise offers high quality, spacious accommodation, grand style, attentive service and exceptional cuisine.

Celebrity Cruises merged with Royal Caribbean International in 1997 to form Royal Caribbean Cruises Ltd and now offers cruises to all continents, along with Cruise/tour experiences in Alaska, Australia, New Zealand, Canada, Europe and South America.

Disney Cruise Line - Disney Cruise Line offers the ultimate family holiday, with four ships; Disney Dream, Disney Magic, Disney Wonder and Disney Fantasy sailing regularly to Europe, the Mediterranean, the Caribbean, the Bahamas, Alaska, Mexico and the Panama Canal. Like floating theme parks, Disney cruises offer great fun for the kids, with all their favourite Disney characters onboard, plus quiet getaway areas so parents can enjoy a great holiday as well.

And while Disney Cruise Lines don’t venture as far south as Australia, if you’re planning a holiday to the USA, a Disney cruise can be as much fun as a trip to Disneyland, without the queues and for an all-inclusive price.

9 Top cruise destinations around the world?

Everyone has their favourite cruises, but when you compare the published lists, a handful of destinations get the thumbs up more than most.

  1. Antarctica - a once in a life time chance to see penguin colonies, huge glaciers and giant icebergs and to follow in the footsteps of our famous explorers. Very expensive compared with other cruises, but worth every cent if you’re a nature lover.
  2. Galapagos Islands – made famous by Charles Darwin, who formed his theory of evolution based on his visits here, these 21 wild and beautiful islands boast an abundance of ocean life and are renowned for the vast number of unique species found nowhere else on earth.
  3. Mexican Riviera – the party capital of the world, where you can enjoy a margarita in Acapulco, listen to a mariachi band and dance the night away surrounded by some of the best nightlife in the world. Water sports like snorkelling, kayaking, stand up paddle boarding, scuba diving and parasailing are popular pastimes and the cliff diving in Acapulco is well worth seeing.
  4. Hawaiian Islands - a year round destination for cruises, Hawaii boasts lush natural scenery and several active volcanoes. Cruise highlights include the chance to see historic Pearl Harbour and to swim with giant turtles. There’s something for every holidaymaker and when you cruise Hawaii, you get to experience many of the attractions of its eight islands, from surfing at Waikiki to whale watching at Maui.
  5. New Zealand - one of the most magical countries on earth, with stunning scenery around every corner, unique wildlife, a rich Maori culture and plenty of man-made enticements including bungee jumping, skydiving and white water rafting. Lord of the Rings fans can visit the stunning locations where much of the fantasy trilogy was filmed and the geysers and hot mud pools are a must see in Rotorua.
  6. Mediterranean – includes many exciting regions, such as the French Riviera, the stunning Greek Islands and the Spanish Costa del Sol. Cruise the crystalline waters of the Mediterranean and bask in perfect sunshine on soft sandy beaches and explore cities rich in tradition and wonders of the modern world> Highlights include the ruins of Rome, the Renaissance treasures of Florence, the canals of Venice and Topkapi Palace in Istanbul, home of one of the world’s largest diamonds.
  7. South Pacific – visit idyllic destinations like the lush tropical paradises of Moorea and Bora Bora in French Polynesia.  Discover the delights of island living and enjoy breath taking sunsets in Fiji, dramatic natural landscapes in Vanuatu and the rich French heritage of New Caledonia. From the Cook Islands and Tonga to the Solomon Islands and Papua New Guinea, the South Pacific is a cruiser's dream destination.
  8. Baltic Sea – has a smorgasbord of Scandinavian cities to explore including Copenhagen, Helsinki and Stockholm. The capitals of the Baltic combine old world charm with a thriving arts and entertainment scene and have architectural styles that span the ages. Highlights of any Baltic cruise include glorious St Petersberg with its treasure-filled Hermitage and the medieval architecture of Tallinn.

Still looking to book your cruise? Save with these cruise deals

Ready to purchase cover for your cruise?

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.

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*$30 price is based on a 2 day cruise for 1 adult aged 25 years of age in with cover for New Zealand, Pacific and Bali

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34 Responses to Cruise Travel Insurance

  1. Default Gravatar
    Lyn | August 14, 2015

    We are flying to Sydney from Melbourne and staying in Sydney for a night before we cruise. Does cruise insurance cover the flight and hotel stay.

    • Staff
      Richard | August 17, 2015

      Hi Lyn,

      Thanks for your question. is a comparison a service and not an insurer. Every policy is different, which means it’ll depend on the policy you have chosen as to whether or not you’ll be covered for your flights and hotel stay. Generally, if you have taken out a comprehensive policy, this will cover things like cancellation, delays and additional expenses.

      I hope this was helpful,

  2. Default Gravatar
    Gillian | July 3, 2015

    we are looking at a 23 day cruise that includes a flight to Sydney then cruising to 6 islands including Hawaii then cruising to Seattle. 1 night in Seattle. Flying from Seattle to Honolulu. 1 night in Honolulu and flying back to Melbourne. My husband had a heart attack in 2000. He is fine now but is taking medication. I have a torn ligament in my left knee but don’t need any ongoing treatment. What sort of policy should we purchase?

    • Staff
      Richard | July 4, 2015

      Hi Gillian,

      Thank you for your question. is a comparison service and not an insurer, and we are not permitted to provide personalised advice.

      When it comes to pre-existing conditions, it can be tricky to get cover. However, InsureandGo claim to consider all conditions and they also offer a cruise policy. CoverMore may also be able to help as they assess medical conditions prior to travel issuing travel insurance.

      These are just two providers from our panel that may be able to help and there may be other insures out there who are suitable to your needs.

      I hope this was helpful,

  3. Default Gravatar
    Jo | June 6, 2015

    Hi. Do any policies cover natural disasters such as cyclone, or if you are confined to your cabin due to severe weather?

    • Staff
      Richard | June 9, 2015

      Hi Jo,

      Thanks for your question. It depends on the situation and the policy. Many policies cover you if your trip is interrupted by a natural disaster and will pay a benefit for cancellation.

      I hope this was helpful,

  4. Default Gravatar
    Leanne | May 30, 2015

    I am going on a cruise with my mother(78yo) my son (15yo) and his mate (15yo), Can we get a family policy?

    • Staff
      Richard | June 1, 2015

      Hi Leanne,

      Thanks for your question. It will depend on the insurer but generally your family can be include your spouse, your legally recognised de facto, your children and your grandchildren.

      I hope this was helpful,

  5. Default Gravatar
    janice | May 23, 2015

    I am going on a cruise from Sydney. ports are
    Airlie beach
    Lombok (lumbar),
    Bali (Genoa)
    Singapore. one day in Singapore then fly back to Sydney.
    I’m not sure what region i need.
    could you please advise me.
    Thank you

    • Staff
      Richard | May 25, 2015

      Hi Janice,

      Thanks for your question. The region you’ll need to select will depend on the insurer. As you’ll be travelling to Asia, it’s likely that that will be the region you’ll need to select.

      I hope this was helpful,

  6. Default Gravatar
    Anna | March 27, 2015

    I am taking a shore excursion(Husky dogs sledge ride)in Alaska . Does the cruise travel insurance cover that? Or is it consider a winter sport activity and need an extra cover?
    Thanks and regards, Anna

    • Staff
      Richard | March 27, 2015

      Hi Anna,

      Thanks for you question. Unfortunately, is a comparison service and not an insurer. What is and isn’t covered by your cruise travel insurance depends on the insurer. You need to make sure the policy covers the region you are travelling to and dog sledging (you’d be surprised how many policy include this cover at no extra cost e.g. 1Cover and Cover-More).

      I hope this was helpful,

  7. Default Gravatar
    | March 18, 2015

    Cruise to Bali.
    Return 30/12/2015
    Age 81

    • Staff
      Richard | March 18, 2015

      Hi May,

      Thanks for your query. Unfortunately, is a comparison service and not an insurer. If you would like to compare insurers in our panel, you can either compare the options available at the top of the page or enter you travel details into the travel form on the home page.

      I hope this was helpful,

  8. Default Gravatar
    Jeremy | March 7, 2015

    Hi What family policy would I need to take out for the following:

    Holiday to London, Italy, Cruise from Italy (to Spain, Morocco, Portugal), Holiday to New York, Holiday to Dubai.

    Total trip length 25 days

    Regards Jeremy

    • Staff
      Richard | March 9, 2015

      Hi Jeremy,

      Thanks for your question. Unfortunately, is a comparison service and not an insurer. However, if you would like to compare quote for travel insurance, please enter your holiday details into the travel form at the bottom of the page.

      I hope this was helpful,

  9. Default Gravatar
    Heidi | March 3, 2015


    Does the cruise cover policy cover you for scuba diving and staying on a island including medical evacuation if necessary?


    • Staff
      Richard | March 4, 2015

      Hi Heidi,

      Thanks for your question. Not knowing the exact policy, I cannot tell you definitively yes or no. However, many policies do cover amateur sports including scuba diving. It would be wise to consult the relevant PDS to know exactly what you’re covered for.

      I hope this was helpful,

  10. Default Gravatar
    Glenda | January 16, 2015

    My husband and I are flying from Perth to Sydney and staying there for 1 night before cruising to New Zealand for 16 nights, we will be returning to Perth with the cruise. Many thanks.

    • Staff
      Richard | January 19, 2015

      Hi Glenda,

      Thanks for your question. If you are wanting to be covered for any loss or damages during your night in Sydney, you will need to purchase cover for the entirety of your trip.

      I hope this was helpful,

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