We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Important:Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
- Some policies may not be available through Finder at this time
- It’s unlikely that your policy will cover expenses from border closures
Made a search before? Retrieve your search results
Type or Select your destination(s)
Why do I need travel insurance for my P & O cruise?
- No medicare cover: When you consider the things that could potentially go wrong during a holiday, overseas medical emergencies easily represent the most expensive risk. But what very few cruise travellers realise is that Australia’s Medicare system does not provide any cover for medical expenses incurred on board a cruise ship, even if you’re cruising in Australian waters. Learn more about the importance of getting cover for Australian cruises here.
- No private health cover: Your private health insurance also stops covering you once you leave port, so any consultations, treatment or medications you receive on board will either need to be paid by you or covered by your cruise insurance.
- No cover offered by P&O: While some cruise lines around the world will offer to sell you their own cruise travel insurance policies, P&O does not offer this option. Accidents and illness can strike at any time, and medical and hospital bills on board a cruise ship can set you back more than $5,000 a day.
With this in mind, international travel insurance that covers emergency medical expenses is the first thing you should pack for your cruise.Back to top
Will P & O reimburse me if I have to cancel my cruise?
Sometimes, disaster can strike at the most inopportune time and throw your travel plans into disarray. For example, what happens if your mum falls seriously ill just a few days before your cruise departs and you are forced to cancel your trip?
Under P&O’s booking terms and conditions, the refund you are eligible to receive and the cancellation charge that applies varies depending on the amount of notice you give before the cruise departs:
- If you notify P&O of your cancellation 181 days or more prior to cruise departure, no cancellation charges apply and you will receive a full refund.
- If you notify P&O between 180 and 76 days before departure, you will be charged a cancellation fee equal to your deposit amount.
- If you notify P&O between 75 and 43 days before departure, the cancellation charge is 25% of the total fare.
- If you notify P&O between 42 and 15 days before departure, the cancellation charge is 50% of the total fare.
- If you notify P&O 14 days or less before your cruise is due to depart, you’ll be charged 100% of the total fare.
However, if you have travel insurance, you’ll be covered for cancellation fees and lost deposits when unforeseen circumstances beyond your control force you to cancel your holiday before you leave home.Back to top
Where do I stand if my cruise itinerary is changed?
Another common problem experienced by cruise travellers is an unexpected change to their cruise itinerary. For example, you may be eagerly awaiting the day the cruise ship docks at a particular tropical paradise in the Pacific, but the ship is suddenly plagued by mechanical difficulties and is unable to make it to the planned destination. So what would happen in this situation?
Unfortunately, P & O quite clearly explains in its booking terms and conditions that itineraries are not guaranteed and do not form part of your contract with the cruise line. While P & O will always take reasonable steps to ensure that it provides a cruise in line with its published schedules and itineraries, this is not always possible. Mechanical breakdowns, inclement weather, civil unrest and a range of other unforeseen circumstances can result in changes to your itinerary. Unless you have cruise travel insurance in place, you will not be covered for any such disruptions.Back to top
So what can cruise travel insurance actually cover me for?
- If you have a medical emergency on board. The private medical treatment you receive on a cruise ship does not come cheap. Travel insurance covers the cost of your medical and hospital expenses while you’re on board the ship.
- If you need to be evacuated. In some cases, your medical condition may be too serious or complicated to be treated on board the ship. When this happens, travel insurance covers the cost of evacuating you to an appropriate medical facility on land.
- Trip delays and interruptions. Bad weather, mechanical difficulties and civil unrest at overseas ports can cause your cruise to be delayed or interrupted. When this occurs, cruise travel insurance allows you to recoup any additional expenses you incur due to the trip delay and also reimburses you for any money you lose due to cancelled shore excursions.
- Trip cancellations due to unexpected events. This benefit ensures that you are covered when unforeseen circumstances beyond your control force you to cancel your trip, such as a family member being struck down by a serious illness before you depart. Cruise travel insurance covers any resulting cancellation fees and lost deposits. Learn more about cancellation travel insurance here.
- Loss, theft or damage of luggage and personal belongings. If your luggage and personal items are lost, stolen or damaged during your trip, cruise travel insurance covers their repair or replacement costs.
- Cabin confinement due to injury or illness. Cruise travel insurance offers a daily allowance if you are confined to your cabin for medical reasons during a cruise.
- If you miss your cruise. If circumstances beyond your control, such as bad weather that delays your flight, forces you to miss the departure of your cruise, you’ll be covered for the additional expenses you incur to join the cruise after it has departed.
- If something happens to your formal wear. If your formal cruise attire is lost, stolen or damaged, you’ll be covered for replacement or hire costs.
- If you get in some legal trouble. You can also take advantage of personal liability cover if you are responsible for causing property damage or bodily injury to someone else.
More guides on Finder
Border closures travel cancellations: Can you get a refund?
When lockdowns strike, what are your options - and will your insurance help?
New Zealand travel bubble: Should I get travel insurance?
A quarantine-free travel bubble will allow Aussies to travel from 19 April. Before you book, here's what travel insurance will and won't cover you for.
Where can I travel from Australia in 2021?
Discover exactly what you need to know about leaving Australia.
You can finally get COVID-19 travel insurance (but what does it actually cover?)
We took a closer look at two travel insurance policies which offer COVID-19 cover, so you know what you're getting for your money.
6 best Black Friday cruise deals that can save Australians the big bucks
Up to $850 off, $99 deposits, free upgrades, flexible bookings and so much more with Princess Cruises, P&O Cruises and more.
As Australia reopens, don’t forget travel insurance
Travel insurance isn't just for overseas trips.
Queensland’s NSW and ACT travel ban: Everything you need to know
Had a trip to Queensland planned? We've got you covered on what to do next.
Airlines, cruises and tours waive change and cancellation fees due to coronavirus [Updated]
Qantas, Virgin Australia, Royal Caribbean and Contiki are among those letting you change your travel plans for free.
Australians advised not to travel: What to know [Updated]
All non-essential travel should be avoided, but for those with bookings, we've laid out your options.
Travelling during coronavirus? Here’s what you need to know [Updated]
Your options for travel explained.
Ask an Expert