Cover for adventures on the high seas
Whether you're relaxing on a cruise around the South Pacific or embarking on an Alaskan adventure way off on the horizon, we offer cover should your cruise head into choppy waters.
Learn how our travel insurance plans could help before you set sail into the sunset.
What's covered by travel insurance on a cruise
Our travel insurance policies offer coverage for cruise related events, including, but not limited to:
- Sudden illness or injury – if your holiday is ruined by sea-sickness, or you’re injured being tossed around in rough seas, our policies can cover emergency medical treatment, both on board and on shore.
- Medical evacuation – we offer cover if you need to be evacuated to medical assistance, or if you need to return to Australia. Keep in mind that once you’re home in Australia, we’re not able to cover ongoing medical costs.
- Unexpected delays - if your flights are delayed on the way to your cruise, our policies may cover trip delay.
- Lost stolen, or damaged luggage - if your bags are accidentally lost, stolen or damaged we may cover replacement or repair of your items.
- Cancellation – if your pre-paid shore activity is cancelled because of severe weather, natural disaster, strike and other events, we may cover the non-refundable portion.
You're covered for publicly available international river cruises, and ocean cruises within Australian waters or International waters*.
The features and benefits described are a summary of cover only and cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement.
*What do we mean by International waters? When setting of on your next cruise please be aware that we define International waters as, “the open seas of the world outside the territorial waters of any nation”. In case you were wondering, travelling in international waters in a private sail vessel or privately registered sail vessel is not covered.
Travel insurance plans
Our range of plans means you can choose the level of cover you need to suit the trip you're taking.
From a week in New Zealand to a month in Europe, we may offer cover for all types of overseas adventures.
Cover for a weekend up the coast, a campervan trip across the country, or somewhere in between.
Year-round cover for overseas and domestic travels from your home in Australia for trips of up to 45 days.
Cover that takes you across the seas^
Cruise cover is included in all plans. For ocean cruises, international and domestic river cruises.
Cruise cover
Cover for publicly available cruises, including international ocean or river cruises, and domestic river cruises depending on the plan.
Existing medical conditions
Get automatic cover for more than 40 existing medical conditions, provided all criteria for the condition are met.
Luggage and personal effects
Cover for accidental damage, theft or permanent loss of your luggage and personal effects.
Cancellation costs
If you select trip cancellation, pick the limits that best suit your travel plans.
^ Coverage is subject to the terms, conditions, limitations and exclusions for each policy, as contained in the Product Disclosure Statement. This is a brief summary of cover and does not include the full terms, conditions, limitations and exclusions. Please read the international and domestic Product Disclosure Statement (PDS).
What’s not covered?
While we offer extensive coverage, there are some exclusions, including:
- Travelling against medical advice or while unfit to travel.
- Incidents related to excessive alcohol or drug consumption.
- Engaging in reckless behaviour that puts you in danger.
- Leaving luggage or personal items unattended.
- Failing to seek refunds or compensation from service providers before claiming expenses.
Does my policy have cruise cover?
Frequently asked questions about cruise cover
If you’re cruising within Australian waters, you must select an international travel insurance plan for onboard medical coverage. Our domestic plans only covers inland river cruises.
Yes, you can claim online even while on your trip. Ensure you keep all necessary documentation, such as medical reports, receipts, and itineraries.
Filing a claim is simple:
- For medical claims: Obtain doctor’s reports, hospital records, and receipts for treatments.
- For lost baggage or cancellations: Keep receipts, itineraries, and proof of cancellations or delays.
- Submit online: Claim while you’re travelling by submitting documents through your account.
Cover is subject to the full terms, conditions, limitations and exclusions outlined in the PDS. Read your policy carefully and contact us if you have any queries.