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Travel Insurance for your Cruise Holiday

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Whether you’re on a cruise to the Pacific Islands, a European river cruise, or sailing through the Caribbean, travel insurance can help protect your trip. At Cover-More, our goal is to provide you with cruise travel insurance to help keep you safe.

If you are going on a multi-night cruise (except for river cruises within Australia), you must add the Cruise Cover option to your policy and pay an extra premium.

Please note: our policies specifically exclude claims arising from or exacerbated by Existing Medical Conditions and related new infections. If you have any Existing Medical Condition, you can apply for additional coverage when you get a quote. Ensure you disclose all of your existing conditions to ensure you have the right cover.

If you have specific questions visit our Cruise Travel Insurance FAQs.

If you're still deciding whether to take a cruise or not, read our helpful guides on Choosing your Cruise, and Essential Information for your Cruise. (Plus, check out our useful holiday preparation list, too.)

Why do I need Cruise Travel Insurance?

Cruises are a great way to relax, bask in the sun and enjoy the sea breeze. So, it may come as a shock if your cruise experience isn’t always smooth sailing. From delayed luggage to falling seasick, it can be difficult to predict what will happen on board (let alone the money you might not be able to get back if you have to cancel your cruise before you leave home...). To enjoy the trip you deserve on your cruise, take out a travel insurance policy with our Cruise Cover option included for extra peace of mind.

Medical costs on board

Did you know cruise ships are not obligated to have an Australian (Medicare) doctor on board? This means even if you’re travelling in Australian waters, a visit to the ship doctor will leave you out-of-pocket. To protect your cruise ship, you need to add the Cruise Cover option to your policy, as this provides medical cover for expenses incurred on board the ship and if you are offloaded from the ship. Without this cover, you could be out of pocket hundreds or thousands of dollars for a medical incident that happens whilst on a cruise. Claims subject to approval.

One Cover-More customer visited their onboard cruise doctor after a sniffle which developed into influenza. Although quick, the visit resulted in a $700 medical fee. Luckily, they had a Cover-More policy with Cruise Cover, and we were able to settle their claim.

Emergency Evacuations

Cruise Cover is also vital to protect against more serious medical claims. If you’re in the middle of the ocean, it can be expensive to be transported to the nearest hospital.

In 2016, one of our customers fractured their leg on a cruise ship in the South Pacific. The air ambulance cost to bring them back to Australia for surgery totalled $86,000.

To give yourself peace of mind against potential medical costs, get a quote for travel insurance with our Cruise Cover option included today.

You or your luggage misses the boat

If your ship takes off without your bags, our delayed luggage cover may be able to help. This cover can reimburse you for any reasonable expenses incurred to replace delayed items. Additional cover may be required if you want to be insured for more expensive items which can be added when purchasing.

If you miss the boat due to a delayed connection, our Cruise Cover travel policy may be able to set you on your way again.

A group of Cover-More customers missed their cruise due to a delayed flight. To add to their worries, their luggage still hadn’t arrived by the time they landed in Auckland. By the time they reached the cruise terminal (without their luggage) it was too late to board their cruise. Missing the first segment of their trip, they opted to fly to Vanuatu, where they were able to meet their cruise. Cover-More settled their claim for extra travel costs of $1,560.

For more information regarding our delayed luggage cover and benefit limits, read the Product Disclosure Statement.

Recover non-refundable expenses

If sudden illness, injury or an unexpected weather event prevents you from experiencing your cruise, travel insurance can help. This includes recovering non-refundable, unused, prepaid expenses such as deposits or on-shore bookings.

One of our Cover-More customers was about to embark on a cruise to Sydney for their 50th birthday. Sadly, a few months before their trip, they were diagnosed with leukaemia. Advised against long-distance travel while undergoing chemotherapy, they cancelled their cruise immediately. As they purchased their policy with the Cruise Cover and Cancellation Cover options included - plus they had declared all existing medical conditions - Cover-More reimbursed the lost expenses of $1,500.

Frequently Asked Questions

No. Cruise ships are not obligated to have doctors registered to practice in Australia onboard. This means if you visit a doctor on board it won’t be covered by Medicare and you’ll end up with out-of-pocket expenses. Cover-More can provide cover for these expenses via our Cruise Cover option. This cover is mandatory if you are taking a multi-night cruise (except for river cruises within Australia).

Yes, you will go through the same medical assessment process that exists for general travel. If your online medical assessment is approved, and you pay the extra premium to us, we will be able to offer you cover. If you choose to declare some medical conditions and not others, you run the risk of a claim being denied.

Visit our existing medical page to view a comprehensive list of conditions we cover. Please note, if you are not approved for your existing medical conditions, we can still provide cover for lost luggage and travel documents, and any illness or injury not relating to your EMC.

Cruise ships offer medical assistance but are only there to stabilise your condition. If you require urgent medical attention, you may need to be evacuated from your cruise and taken to the hospital. Contact our 24-hour emergency assistance team if you are hospitalised.


Got more questions? Read our dedicated FAQs for Cruise Travel Insurance page!

Ready to cruise?

If that’s answered all your questions then it’s time to protect your cruise holiday. Get a quote and purchase a travel insurance policy today!

Sub-limits apply. Please refer to the policy wording.
^ Medical and dental cover will not exceed 12 months from the onset of the injury or illness. Reduced limits may apply for customers 70 years of age or over at the Relevant Time. Limits will be shown on the Certificate of Insurance.