Cruise travel insurance

Cruise travel insurance can be a real lifesaver, and you can get it for as little as $1.78/day*.

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What is cruise travel insurance?

Cruise insurance is a specific type of policy that covers you while you're on a cruise holiday. In addition to what a normal policy covers, a cruise policy can cover specific cruise-related issues such as seasickness or gastroenteritis onboard, medical evacuations, missed port departures and more.

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If you're going on a domestic cruise, keep in mind that most insurers ask you to select New Zealand, Fiji or the South Pacific Islands as your destination so you can get medical cover included in your policy while cruising.

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DID YOU KNOW

  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover

Why get cruise cover?

In 2017, we conducted a survey to find out the number one fear that would stop Australians taking a cruise holiday. The survey uncovered eleven reasons why Aussies avoid going on cruises and interestingly enough, travel insurance would actually cover the majority of the reasons such as getting sick onboard or needing to be evacuated from the ship.

Cast away your fears and get cruise travel insurance for peace-of-mind.

#FearPercentage
1Getting food poisoning or gastro37%
2Big storms34%
3Seasickness33%
4Getting sick or injured and having to be airlifted to hospital22%
5The ship sinking/running ashore22%
6Not being able to get off the boat16%
7Pirates15%
8Lost/stolen luggage12%
9Hitting an iceberg12%
10Falling overboard11%
11The cruise leaving without me8%
Source: finder.com.au survey, May 2017

Domestic cruise travel insurance

Getting cover for your cruise in Australia is easy as long as you know what to look out for. Cruise providers insist you have enough medical cover with your travel insurance before you can board the ship. Since medical cover is not usually included in domestic travel insurance policies, you need to get an international policy instead.

Medicare will only cover you for medical assistance if;

  • You are cruising between domestic ports. Even if your ship is in Australian waters, you're not eligible if the ship departed from an international port.
  • If you are treated by a Medicare-approved doctor. Not all cruise-liners will have Medicare-approved doctors available onboard.

When cruising domestically, most insurers will prompt you to select the Pacific Region - this will usually include New Zealand, Bali, the South West Pacific and Norfolk Region. If you're still unsure what region to select for your domestic cruise, check out your insurers product disclosure statement (PDS) for confirmation.

Case Study:

We spoke with Craig Morison, the Chief Operating Officer for Fast Cover, and he revealed just how often cruise insurance has been utilised by Fast Cover customers.

In 2016, Carol and Vincent, a couple in their seventies from Brisbane, were getting ready to depart on a worldwide cruise. Unfortunately, in the week before they were meant to depart, Carol fell over in their yard and broke her ankle, which meant they would have to cancel their holiday. Because they had taken out a travel insurance policy that covered cancellation, for which they'd paid less than $800, they were able to be reimbursed for more than $20,000 worth of lost deposits.

Best cruise travel insurance

If you're after the best cruise travel insurance, then you want a policy with the most benefits. Cruising comes with its own set of risks, so getting a policy with a lot of cruising benefits will help safeguard you from unexpected mishaps. Here's a list of benefits you want to have if you're looking for the best cruise travel insurance.

  • Onboard medical treatment. Sea sickness and gastroenteritis are common illnesses while cruising. This benefit will cover you for treatment, but also for any other major health concerns that happen while you're onboard.
  • Emergency evacuation for medical assistance. This benefit will get you off the ship and to a hospital or medical facility if a medical practitioner deems this necessary. While you're at sea, that usually means by helicopter.
  • Cruise delay. Cover for additional expenses like meals and accommodation if your departure from a port is delayed due to circumstances outside of your control.
  • Missed port. Cover for your expenses if the cruise ship doesn't stop at a port due to reasons outside of your control such as bad weather or a mechanical break down.
  • Pre-paid shore excursions. This benefit covers you for the cancellation fees or loss of deposits if you've had to pre-pay for shore excursions and forced to cancel the activity.
  • Missed cruise departure. Cover up to a certain amount if you missed the scheduled departure of your cruise due to issues with your transportation to the port or natural disaster.
  • Lost, stolen or damaged baggage. Protects the value of your belongings before boarding or onboard.
  • Cabin confinement/ loss of enjoyment. Get a daily allowance if you suffer an injury or illness onboard and are forced to stay within your cabin for more than 48hrs.
  • Formal cruise attire lost, stolen or damaged. Covers the costs of repairing or replacing your formal clothes if it is lost, stolen or damaged on board.
  • Formal cruise attire delayed. This benefit covers the reasonable amount if your formal clothes are delayed or misdirected and you need to purchase or hire formal wear.
  • Marine rescue diversion. Cover if your ship is redirected to assist in a marine rescue.

Find the best cruise cover for you

Cheap cruise travel insurance

If you're traveling on a budget and need an affordable policy, getting cheap cruise travel insurance is possible but you might have to sacrifice a few benefits. The most important thing is to have cover for medical treatments and emergency evacuation, anything on top of that is a bonus.

The table below shows how the cheapest policies usually cover medical and emergency assistance only on cruises. It also shows the price difference between the cheapest, and paying a bit more money to get a policy that has more features for your cruise.
This table was priced on the 22nd September 2019 and is based on a 30 year old going on a South Pacific cruise for 14 days, with a standard excess of $200.

TickInsure4lessFast Cover
Policy typeBasic Medical Only Basic
Onboard medical assistance
Emergency evacuation
Cruise delay
Missed port
Pre-paid shore excursions
Missed cruise departure
Lost, stolen or damaged baggage
Cabin confinement/ loss of enjoyment
Formal cruise attire lost, stolen or damaged
Formal cruise attire delayed
Marine rescue diversion
Price $24.15$36.34$39.99

If you're only after medical and emergency assistance onboard, then our cheaper policies could be suitable for your trip. If you want value then it could be worth comparing your options and spending the extra dollars for way more coverage.

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Questions about travel insurance for a cruise

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*$1.78/day is based on a 35 year old traveling on a cruise for 14 days to the South Pacific Islands. Quoted on 23rd May 2019.
Picture: GettyImages

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