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Sail smoothly on your next cruise holiday

You might be enjoying paradise while island-hopping around the South Pacific or spotting wildlife on an Alaskan adventure or exploring Australia’s inland waterways on a Murray River houseboat. However, you’re cruising, we offer cover should you head into choppy waters.

We hope your cruise goes swimmingly, punctuated with no more than island stops, tropical snorkels and sunset dinners. But if you were to become unwell, have an accident or medical emergency overseas, or the weather messes with your plans, we’re here to help you navigate your way.

nib travel insurance can cover you for cruise-related events, such as:

1. Sudden illness
It’s all fun and games until someone eats a dodgy prawn, or life on the high seas messes with your tummy and seasickness joins you on your cruise. Depending on where your cruise is heading, Medicare may not be accepted even off the coast of Australia waters.
2. Unexpected delays
What would you do if your flight is delayed and you don’t think you’ll be able to join your cruise on time?
3. Lost luggage
Your bags containing that sequin gown and slingbacks for your Captain’s dinner is accidentally lost, stolen or damaged.
4. Out of work
You might be retrenched from your permanent employment in Australia before you start your cruise.
5. Bad weather
An unexpected storm means you miss a pre-paid shore excursion because your cruise is delayed.
6. Medical evacuation
All nib travel insurance plans include cover for medical evacuation and repatriation if we agree it’s medically necessary, up to the relevant benefit limit.
7. COVID-19

Cover for some coronavirus-related events is available on our plans (excl. the Cancellation and Additional Expenses Plan), but the types of benefits and benefit limits vary depending on the plan you choose.

The Coronavirus Travel Costs benefit is available on the International Comprehensive, Australian Travel and Annual Multi Trip plans. These plans can provide cover for several coronavirus related events, including cover for quarantine expenses and trip cancellation if you are diagnosed with coronavirus, up to the relevant benefit limit.

8. Home or away

When cruising just off the coast of Australia, there is cover for publicly available river and ocean cruises in international waters. You will need to choose one of our international plans. Additionally, our domestic plans can offer cover for inland river cruises. We define “International waters” as, ‘the open seas of the world outside the territorial waters of any nation’. Please be aware that travelling in international waters in a private sail vessel or privately registered sail vessel is not covered. For more information check out our article - Am I covered for cruising? 

9. International illness
We’ll help if you’re sick overseas with our Overseas Medical Benefit. All nib International Travel Insurance plans include cover for overseas medical expenses. As always, these are subject to the terms, conditions, limitations and exclusions around existing medical conditions.

Travel insurance plans

Our range of plans means you can choose the level of cover you need to suit the trip you're taking.
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International Travel Insurance

From a week in New Zealand to a month in Europe, we can offer cover for all types of overseas adventures.

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Domestic Travel Insurance

Cover for a weekend up the coast, a campervan trip across the country, or somewhere in between.

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Annual Multi-Trip

Year-round cover for overseas and domestic travels from your home in Australia for trips of up to 45 days.

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Cover that takes you across the seasˆ

Coronavirus

Cover for some coronavirus related events is available on all our international plans and our Australian Travel Plan.

Existing Medical Conditions

We can provide automatic cover for over 40 existing medical conditions, provided all the criteria for that condition are met.

Luggage & Personal Effects

We offer cover for accidental damage, theft or permanent loss of your luggage and personal effects.

Cancellation Costs

You can choose to be covered for trip cancellation up to a limit that best suits your plans.

^The above features and benefits are a summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement

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