Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
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 cruising holidays every year!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.
But do I have to include every destination on my insurance? What if I'm cruising in Australian waters? Or on a river? And what does cruising cover? There's so much to consider - but don't worry, we know a think or two about cruising...
Depending upon your insurer, you may have to select Cruise Cover as an add-on to your travel insurance policy, while some insurers automatically cover you whilst on a cruise, provided you have selected an international policy. When getting a quote with us, if you have the cruise button selected, it will be automatically included in the price you see.
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.
River cruising is a popular tour option in many regions, including Europe and China. Each insurer has different rules about whether you need cruise insurance when cruising on a river, or if you're only cruising for a couple of days. We've compiled their rules in our river cruise insurance table.
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.
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 the. We've compiled a list of which insurers cover adventure activities.
A cruise policy will cover you from ship to shore – giving you peace of mind should the worst happen. Events covered by cruise insurance include:
Like all travel insurance policies, some things just aren’t covered. Most cruise polices wont cover you for the following:
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 with that particular policy. And if there’s something you don’t understand you can contact the trip cover company directly. To see what the claims process is like, why not check out a few of the thousands of real customer travel insurance reviews.
Smart travellers will always spend time doing a cruise travel insurance comparison. Our site compares a platoon of reputable travel 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.
With a research and journalism background, and certified in Tier 2 General Insurance General Advice, Crystal is passionate about investigating customers’ tricky travel questions and helping them find the answers they’re looking for. A writer and filmmaker whose favourite trips have been to film festivals in Cuba and South Korea, and campervanning around the USA, she loves getting to know new people and seeing a glimpse of the world through their eyes.