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Cruise insurance FAQs

Do I really need cruise travel insurance?

Yes you do. Cruise travel insurance will cover you for any unforseen emergencies that may arise. Standard travel insurance might not give you the adequate cover you need, cruise insurance is specifically designed to cover common issues that arise on cruising holidays.

I’m only going to be in a country just for a day, do I really need cruise insurance for that destination?

Yes, for example, if your cruise is going around the Pacific Islands but you’re only stopping in Hawaii for a day, you will still need insurance that covers you in America.

What does cruise travel insurance cover?

  • Emergency evacuation to the nearest hospital if you become seriously ill on board
  • Cancellation – if you can’t make your cruise due to illness, travel delays, bad weather and more
  • Medical fees if you become ill on board or onshore
  • Luggage and personal effects for loss, theft or delay
  • And much more...

I have a pre-existing medical condition, can I still get cruise insurance?

Yes you can. Read your chosen insurers small print to find out exactly what medical conditions they cover. If yours is not on the list then you might need to have a medical evaluation done before you travel. Even if you can’t get cover for that particular condition, you would still be covered for any unrelated medical emergencies and of course all the other benefits of a travel insurance policy.

When should I buy cruise travel insurance?

As soon as possible, that way if you need to cancel your trip you will be covered.

Does cruise insurance cover me for scuba diving and other activities?

Most travel insurance policies cover beach activities such as snorkelling, surfing, water skiing and windsurfing; but some restrictions may apply for adventure shore activities such as parasailing and scuba diving. If you are participating in activities on board the cruise ship - make sure your insurance covers it. Always read the insurers PDS to see what is and isn’t covered.

I’m still not convinced I need cruise insurance

Medical treatment on board large cruise liners are typically private practices, which can be very expensive. Ask yourself would you rather pay as little as $100 for a cruise insurance policy, or thousands of dollars in medical fees if you were to fall ill?

How do I make a claim?

This will usually involve filling out a claim form. Speak to your insurance provider about where to get a copy of the form — it is usually available through the provider’s website.

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