Cruise travel insurance to float your boat
Oh Buoy! It’s easy to sea why more and more Australians are choosing the open waters for their holidays each year! Cruising can be a spectacular way to see the world with adventure water activities, new discoveries, beautiful beach destinations and partying at the Captain's table.
But, like any holiday, there are risks. With so much time spent on the water, and so much of your journey dependent on various port authorities, the only way to truly relax is to know you’re covered should something go wrong.
Having cruise insurance can protect your possessions on board; provide cancellation cover if the weather or port authorities cause you to miss a pre-paid tour; and offer 24/7 emergency medical assistance, covering medical costs should you or your travelling companion become sick or injured.
Pier pressure when you leave the port
Did you know that once your ship leaves port, even if you're cruising Australian waters, you’re no longer covered for hospital or medical expenses by Medicare or your usual private health care provider.
So to make sure you’re covered on an Australian cruise select ‘Pacific’ as your destination.
Don’t get all titanic with medical expenses
Health care costs on board a ship (or outside of the country) are very expensive. Hospital bills can be as much as $5,000 per day. Treatments, consultations and medications on board a ship are charged at private rates. Don't base your insurance decision on the assumption of 'it won't happen to me'. The unexpected does happen and the right cruise travel insurance can provide you with peace of mind.
If your travel plans include cruising for more than 4 consecutive days, depending upon your insurer, you may have to select Cruise Cover as an additional option to your standard international travel insurance policy. Some insurers automatically cover you whilst on a cruise, provided you have selected an international policy. Alternatively you can purchase from a provider specialising in cruise insurance.
Adventure for the adrenaline addict
With the ocean air in your face it’s easy to get into adventure mode. If you think you may join in on the adventure shore activities or sports (such as scuba diving or parasailing) or even some of the on-board activities like zip-lining or rock-climbing make sure you check your chosen policy covers these activities. You don’t want to get caught out with the wrong policy.
With cruise travel insurance you boat dwell if the worst should happen
A cruise policy will cover you from ship to shore – giving you peace of mind should the worst happen. Good cruise insurance will cover:
- Medical expenses: Cruise liners have doctors on board, but these are private. If you get a bout of sea sickness (or worse) expect to get a very expensive bill afterwards for any treatment you might need.
- Medical evacuation: If your condition is too serious to be treated on board, you may need to be evacuated to the nearest – which could cost thousands!
- Delays: Bad weather, strikes, or even civil unrest could lead to a delay in your plans.
- Cancellations: Things happen. Life happens. If your flight is cancelled due to bad weather and you miss your cruise, or you have a close family emergency and can no longer go on your cruise the right insurance can give you peace of mind.
- Luggage and personal items: Most people pack a schmick camera to take pics of all those amazing views. You can rest assured that your valuables are covered with the right travel insurance.
What’s not covered with cruise insurance?
Like all travel insurance policies, some things just aren’t covered. Most cruise polices wont cover you for the following:
- Being a tad tipsy: We know the unlimited supply of alcohol and treats is hard to say no to, however if you’re under the influence of alcohol and drop your clutch bag overboard, or slip on the deck you might find your insurer is less sympathetic than usual.
- Rainy days: If your trip wasn’t as sunny as you’d hoped, travel insurance won’t cover you just because it rained and you didn’t have a good time.
- Risky business: Perhaps your cruise liner has a zip-line going across the desk, or a surf machine? Check with your insurer before you leave home because some adventurous activities aren’t covered.
- Pre-existing medical conditions: normally conditions that exist before your holiday aren’t covered, but to be sure check your policy wording for a full list.
- Cancellations: If the cruise company cancels your pre-booked trip then it’s there responsibility to book you on another one, or offer a refund. Travel insurance doesn’t offer compensation when you’re already due reimbursement from the cruise carrier.
- Cruise company collapse: Many insurers have general exclusions to do with travel company insolvency, so if you think your cruise company is a bit crafty, consider an insurance policy that covers insolvency.
Even the best laid plans...
You know what they say about the best laid plans. Sometimes things get cancelled, and cover varies between insurers when it comes to cruise cancellations as we explained above.
It’s a good idea to check your cruise company’s cancellation policy and terms and conditions should the worst happen and your cruise is cancelled.
For example P&O allow you to have a full refund if the cancellation is made 181 days or more from the departure date. If the cancellation is made:
- 180 – 76 days, then the deposit amount is charged
- 75 – 43 days, then 25% of the total fare is charged
- 42 – 15 days, then 50% of the total fare is charged
- 14 days or less, then 100% of the total fare is charged
Living the dream with multiple destinations
So you’re going big and cruising to different locations, well you’ll need to make sure you select the right region based on your specific cruise destinations. Generally:
- Pacific: New Zealand, Bali, South West Pacific and Norfolk Island. (Also pick Pacific for Domestic cruises around Australia too!)
- Asia: Asia (Excluding Russia and Japan)
- Europe: Europe, Russia and the United Kingdom
- Worldwide: All destinations (including, Japan, USA, Canada, Africa, and the Middle East
Seas the day and know what’s covered on a cruise caper
Before you raise the anchor it’s vital to read the policy wording (PDS) to ensure you understand what is and isn’t covered. And if there’s something you don’t understand you can contact the provider directly.
Cruises are always on sail but not all bargains are created equal
Smart travellers will always spend time doing a cruise travel insurance comparison. Our site compares a platoon of reputable insurers with policies that cover you whilst on a cruise.
And don't forget, comparing online with us will give you the same competitive price as buying direct – but without the legwork of shopping around.
Save time, worry and loads of money! Comparing cruise travel insurance online will leave you plenty of time for boating fun!