Lifebuoy on its stand in the tropics

P&O Cruises Travel Insurance

Got an upcoming trip with P and O Cruises? Make sure you pack your travel insurance.

P&O does not offer their own travel insurance cover and strongly recommends that you take out adequate travel insurance whenever you book and pay for a P&O Cruises itinerary. Read on to find out how you can find the right cruise insurance policy for your trip.

Compare travel insurance for your P&O cruise

Provider What does cruise cover include? Are cruises covered in all plans, or is it an add-on? Apply
  • Unlimited medical
  • Unlimited cancellation
  • Luggage and personal items
  • Weather delays
  • Family emergencies
  • Formal wear
  • Cabin confinement
  • Missed departure
Add-on Get quote

  • Emergency medical assistance
  • Emergency overseas medical
  • Hospital expenses (at international ports)
Add-on Get quote
boomers-travel-insurance
  • Unlimited medical
  • Evacuation cover (Ship to shore)
  • Cabin confinement
  • Pre-paid shore excursion cancellation
  • Formal cruise attire (lost, damaged or delayed)
  • Marine rescue diversion
Add-on Get quote
  • Overseas medical and hospital expenses
  • Cancellation and amendment fees
  • Luggage and personal effects
  • Additional expenses
Automatically included in international policies Get quote
  • Overseas or onboard medical costs
  • Medical emergencies and repatriation
  • Missed departure
  • Lost, stolen or delayed baggage
  • Available for up to 84-year-olds and 30 weeks of pregnancy
Add-on Get quote
  • Medical costs on board
  • Emergency evacuations
  • Lost luggage
  • Missed departure
  • Non-refundable expenses (like shore excursions and deposits)
Add-on Get quote
  • Cruise cancellation
  • Lost deposits
  • Emergency medical expenses
  • Emergency assistance
Add-on Get quote
insure4less
  • Not available online
Automatically cover cruises Get quote
  • Missed cruise departure
  • Missed port cover
  • Delays, loss, theft and damage to your luggage
  • Unlimited medical expenses (onboard and at international ports)
  • Reimbursements for missed shore excursions
  • Cabin confinement
  • Cruise delays
  • Emergency medical transportation
Add-on Get quote
  • Medical cover while cruising
  • Evacuation cover
  • Cabin confinement
  • Pre-paid shore excursion cancellation
  • Lost, damaged or delayed formal cruise attire
  • Marine rescue diversion
Add-on Get quote
SCTI
  • Unlimited medical and evacuation expenses
  • Cancellation fees and lost deposits
  • Damaged or lost baggage
  • Lost or stolen personal items
  • Rental car excess
  • Emergency dental
  • Funeral costs
Add-on Get quote
  • Same conditions as standard international policies
Automatically cover cruises Get quote
  • Medical treatment onboard (including Australian waters if you select "Australian waters" as a destination)
  • Medical evacuation
  • Overseas medical expenses
  • Loss, theft or damage to your luggage and personal effects
  • Accidental death
  • Total permanent disability
Add-on Get quote
  • Overseas medical cover
  • Comprehensive additional expenses
  • Cancellation cover
  • Dependent child cover
  • 24/7 emergency assistance
Automatically cover cruises Get quote
  • Emergency medical assistance
  • Expenses
Automatically cover cruises Get quote
virgin travel insurance logo
  • Medical cover while cruising
  • Emergency dental expenses
  • Evacuation cover (Ship to shore)
  • Cabin confinement
  • Pre-paid shore excursion cancellation
  • Lost, damaged or delayed formal attire
  • Marine rescue diversion
Add-on Get quote
  • Medical cover while cruising
  • Emergency dental expenses
  • Evacuation cover (Ship to shore)
  • Cabin confinement
  • Pre-paid shore excursion cancellation
  • Lost, damaged or delayed formal attire
  • Marine rescue diversion
Add-on Get quote
  • Medical cover while cruising
  • Evacuation cover (Shop to shore)
  • Cabin confinement
  • Pre-paid shore excursion cancellation
  • Lost, damaged or delayed formal attire
  • Marine rescue diversion
Add-on Get quote
zoom logo
  • Same conditions as standard international policies plus:
  • Medical treatment onboard (domestic or international)
  • Helicopter evacuation
Add-on Get quote
Easy
  • Cruise catch-up
  • Delayed cruise return (International)
  • Medical and dental expenses on a cruise (in Australian waters)
  • Cruise cancellation
  • Cabin confinement
  • Pre-paid shore excursion cancellation
  • Delayed cruise return
Autimatically included in all travel plans Get quote

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.

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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.

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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.

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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.

Picture: Shutterstock

William Eve

Will is a personal finance writer for finder.com.au specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

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