Please Note - If you are cruising around Australia you need to select Pacific.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
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.
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.
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.
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.
A cruise policy will cover you from ship to shore – giving you peace of mind should the worst happen. Good cruise insurance will cover:
Like all travel insurance policies, some things just aren’t covered. Most cruise polices wont cover you for the following:
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:
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:
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.
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!