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 the provider you choose, you may be required to select cruise insurance as an additional option. It's worth checking with the company when applying to see what destination you should choose if cruising in Australian most cases it will be 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.

Which travel insurance brands cover cruise trips?

Brands With Cruise Specific Cover

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
Virgin Money Cruise Pack

Unlimited medical cover while cruising

Unlimited evacuation cover

$500 cabin confinement cover

$1,000 pre-paid shore excursion cancellation cover

Get quoteMore info
Go Insurance Cruise Insurance Extention

$2,500 pre-paid excursions cover

$500 missed shore visits

$2,000 missed port connection

$2,500 cabin confinement

Get quoteMore info

Brands That Cover Cruise Trips

ProviderCovered?Conditions for Cruise TravelApply
1Cover LogoYesMust purchase Plan A (selecting Geographical Region 4 - Pacific) if taking a domestic cruise in Australian waters in order to be covered for emergency medical assistance and emergency medical and hospital expenses.Get quoteMore info
AIG Travel Insurance LogoYesTravellers on domestic cruises may take Bronze plan in order to be covered for overseas medical cover. Travellers in the South Pacific region should purchase the Bronze Plan.Get quoteMore info
AMEX Travel InsuranceYesCovered automatically under international policy provided correct destination selected. Cover will be based on your chosen geographical region.Get quoteMore info
Budget Direct Travel InsuranceYesMust purchase Comprehensive, Essential, Last Minute or Annual Multi-Trip Policy if you are taking a domestic cruise and would like to be covered for medical expenses.Get quoteMore info
Check-In Travel Insurance LogoYesCovered provided you state each of the countries you are visiting on your cruise. For cruises only to Australian ports, you must specify "Australia Cruise" as your destination when purchasing cover in order to be covered for any on-board or overseas medical expenses.Get quoteMore info
Citibank Travel InsuranceYesCovered automatically under international policy provided correct destination is selected.Get quoteMore info
Downunder Travel Insurance LogoYesMust purchase either plans A, C, H for cruises within Australian Waters to ensure cover is available for emergency medical assistance and hospital expenses.Get quoteMore info
Columbus DirectYesCovered automatically under international policy provided correct destination is selected.Get quoteMore info
CoverMoreYesCovered automatically under international policy provided correct destination is selected. You must purchase international cover if you are taking a cruise in Australian waters and wish to be covered for medical expenses.Get quoteMore info
Easy Travel InsuranceYesCovered automatically under international policy provided correct destination selected. If travelling on a cruise in domestic waters, medical expenses will only be covered under an international policy.Get quoteMore info
Fast CoverYesYou must choose Region 3 Pacific Cruise if you are going on a cruise in Region 1 Domestic or Region 2 Pacific. If you are cruising in Australian waters, you must select Plans A, D, E, F, G (selecting Region 3) in order to be covered for medical transfer or evacuation.Get quoteMore info
iTrekYesCovered automatically under international policy provided correct destination is selected.Get quoteMore info
Multi Trip LogoYesCovered provided correct destination is selected. International cover must be purchased in order to be covered for medical losses for cruises in Australian waters.Get quoteMore info
Simply Travel InsuranceYesIf you are travelling on a domestic cruise in Australian waters, you must purchase Plan A (selecting region - Pacific in order to be covered for emergency medical and hospital expenses.Get quoteMore info
Southern CrossYesCovered automatically under international policy provided correct destination is selected.Get quoteMore info
STA Travel InsuranceYesFor cruises in Australian waters, you must purchase international cover to be covered for medical expenses.Get quoteMore info
Tick Travel InsuranceYesCovered automatically under international policy provided correct destination selected. In order to be covered for emergency medical and hospital expenses travellers should select pacific region for cruises in Australian territorial waters.Get quoteMore info
Travel Insurance DirectYesCovered automatically under international policy provided correct destination selected.Get quoteMore info
Travel Insurance Saver LogoYesThe Australian plan will provide cover for any medical, hospital, ambulance or dental expenses incurred onboard a cruise ship in Australian waters.Get quoteMore info
Travel InsuranzYesYou must select the area of travel as "South Pacific" to ensure you are covered for emergency medical and hospital expenses if taking a cruise within Australian ports.Get quoteMore info
Woolworths Travel InsuranceYesIf visiting overseas countries on your cruise, you must list every country you are visiting when purchasing cover. If your cruise trip is within Australian waters, you must select "Australian Cruise" as your destination to ensure you are covered for emergency medical and hospital expenses.Get quoteMore info
Worldcare Travel InsuranceYesYou must state all countries outside of Region 2 Pacific you are stopping at for longer that 48 hours. You must select Plan A for cruises within Domestic Waters in order to be covered for emergency medical and hospital expenses.Get quoteMore info
youGoYesCovered automatically under international policy provided correct destination is selected. International cover must be selected in order to be covered for overseas medical and dental expenses in Australian waters.Get quoteMore info
ZujiYesCovered automatically under international policy provided correct destination is selected.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. NOTE: Cruise lines are not required to have Medicare-eligible doctors on board.

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 and 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. The table above lists the recommended regions to select for cruises in Australian waters to ensure you are covered for emergency medical expenses.

Learn more about getting cover for cruises in Australian waters

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:

  • You won't be covered by health insurance in Australian waters - As stated previously, you will not be covered for emergency medical expenses if you are injured or become ill while travelling in Australian waters.
  • 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.

Is cruise travel insurance different to regular travel insurance?

While most international travel insurance policies will automatically cover cruise trips, there are a number of policies that offer additional cover for cruise related losses. Some providers will require you to purchase this "Cruise Pack" in order to be covered for cruise trips. Additional cover features can include;

  • 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.
  • You're 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 formal cruise attire is lost or damaged. This will provide cover for replacement or hire costs if your formal wear is stolen, damaged or accidentally lost. Cover will only be provided if the attire was intended to be worn on the cruise.
  • 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.

Am I also covered for flights and time spent before, during or after my cruise?

Yes, your cruise policy works much the same as any other travel insurance policy. You are covered for the regions listed on your policy for the dates that you have selected. This means you will be covered for:

  • Flights overseas to the country you will board the cruise.
  • Days leading up to the cruise departure in that destination.
  • Days following in your "drop-off" destination.

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 you will be covered for. 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 drugs or alcohol on your trip.
  • 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.
  • Luggage left unattended. You will not be covered for lost/stolen luggage and personal items if you leave your luggage unattended.
  • 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.

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

Expat living overseas? Find out what travel insurance options are available

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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 and 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, the cruise company will usually pay a full refund.

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.

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. Most insurers will recommend you select Pacific as your region if taking a cruise in Australian waters in order to be covered for Emergency Medical Expenses.

  • 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

You will be covered automatically for stopovers up to 48 hours. If you are in a region for longer than 48 hours, you must ensure it is also listed on your policy.

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.

How much does Cruise Travel Insurance cost?

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;

  • Whether you get a policy with cruise-cover extension.
  • 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

How do I choose between policies?

  • Is cruise travel automatically covered or offered as additional cover? 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.
  • What region do you need to choose? 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.
  • What won't you be covered for? “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.
  • Are you covered for emergency medical expenses and evacuation? 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.
  • How much will you be charged for a claim? Travel insurance 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.
  • How has other peoples experience been dealing with the cruise line? 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 for your cruise

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” rings true for cruise travel. 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. Learn more about when to book travel insurance.

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. I'm taking an international cruise and stopping in multiple countries? Do I need cover for each location?

Travel insurance provides automatic cover for stopovers up to 48 hours. If your cruise stops in different regions for longer than 48 hours, you will need to ensure that region is also covered on your policy.

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. 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
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Handy cruise travel tips

  • Find out what region your cruise will be heading to.
  • Determine what the correct region is to select for your travel insurance.
  • 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 itinerary 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 would 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

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.

Compare quotes for cruise travel insurance and purchase cover securely

*$19 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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36 Responses to Cruise Travel Insurance

  1. Default Gravatar
    Rhonda | November 24, 2015

    Hi am looking for insurance for 13 day cruise from melbourne to New Zealand. That covers everything

    • Staff
      Richard | November 25, 2015

      Hi Rhonda,

      Thanks for your question. is a comparison service and not an insurer and we are not permitted to make product recommendations. However, if you select the Brands That Cover Cruise Trips tab at the top of the page, it lists the providers in our panel that offer cruise cover and the conditions for domestic travel.

      I hope this was helpful,

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    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,

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    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,

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    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,

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    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,

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    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,

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    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,

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    | 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,

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    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,

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    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,

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